Cheaper 2003 Ford Crown Victoria Car Insurance Cost

Finding better rates for auto insurance is challenging for people who are new to buying insurance online. Drivers have so many choices that it can turn into a real hassle to compare prices.

The best way to compare insurance rates in your area is to know most of the larger companies participate in a system to give free rates quotes. To get started, all you need to do is provide information including your job, if your license is active, the year, make and model of vehicles, and marital status. Your information is submitted instantly to many highly-rated insurers and you will receive price estimates quickly.

To get price quotes for your 2003 Ford Crown Victoria, click here and find out if you can get cheaper insurance.

Buyer beware of auto insurance advertising tricks

Companies like Allstate, GEICO and Progressive consistently run television and radio advertisements. All the ads have a common claim about savings if you change to their company. But how can every company say the same thing?

Insurance companies are able to cherry pick for the type of driver that is profitable for them. A good example of a profitable customer might be between 25 and 40, is a homeowner, and has a short commute. A propective insured who matches those parameters is entitled to the best price and therefore will save a lot of money.

Potential insureds who don’t measure up to the “perfect” profile must pay higher prices and ends up with the customer not buying. The ads say “customers that switch” not “everyone that quotes” save that much money. That’s why companies can advertise the way they do. This illustrates why you need to get as many quotes as possible. Because you never know which auto insurance company will give you the biggest savings on Ford Crown Victoria insurance.

Discounts can save BIG

Auto insurance companies don’t always advertise every discount very well, so the following is a list of some of the more common and the more hidden ways to save on car insurance.

  • College Student – Kids in college living away from home attending college and do not have a car may qualify for this discount.
  • New Car Discount – Buying coverage on a new vehicle is cheaper compared to insuring an older model.
  • Anti-theft Discount – Vehicles with anti-theft systems prevent vehicle theft and earn discounts up to 10%.
  • Seat Belt Usage – Requiring all passengers to wear their seat belts could save 15% on the medical payments or PIP coverage costs.
  • No Claims – Drivers with accident-free driving histories pay less compared to bad drivers.
  • Discount for Good Grades – This discount can earn a discount of 20% or more. Earning this discount can benefit you up to age 25.
  • Defensive Driving Course – Successfully completing a driver safety course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Passive Restraint Discount – Vehicles equipped with air bags can qualify for discounts of 20% or more.
  • Discounts for Safe Drivers – Safe drivers can get discounts for up to 45% lower rates on Crown Victoria insurance than drivers with accidents.
  • Military Rewards – Being deployed with a military unit could mean lower rates.

Consumers should know that most discount credits are not given to the entire cost. A few only apply to the cost of specific coverages such as collision or personal injury protection. So even though it sounds like you could get a free car insurance policy, companies don’t profit that way.

Insurance companies who might offer these discounts include:

It’s a good idea to ask each insurance company which discounts they offer. Discounts might not apply in every state.

Will just any policy work for me?

When it comes to buying the best car insurance coverage, there really is no single plan that fits everyone. Everyone’s needs are different.

Here are some questions about coverages that may help highlight whether you will benefit from professional help.

  • Am I covered if I crash into my own garage door?
  • Does having multiple vehicles earn me a discount?
  • What if I don’t agree with a claim settlement offer?
  • Do I need rental car coverage?
  • What is covered by UM/UIM coverage?
  • When do I need to add a new car to my policy?
  • Does coverage extend to Mexico or Canada?
  • Do I need special endorsements for business use of my vehicle?
  • Does medical payments coverage apply to all occupants?

If you can’t answer these questions but you know they apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form.

Auto insurance coverages and their meanings

Learning about specific coverages of a auto insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Ford Crown Victoria.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Liability coverages

This can cover damages or injuries you inflict on people or other property. This insurance protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things such as emergency aid, funeral expenses and repair costs for stationary objects. How much coverage you buy is your choice, but buy as large an amount as possible.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for pain medications, rehabilitation expenses, chiropractic care and nursing services. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Collision protection

Collision coverage pays for damage to your Crown Victoria caused by collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like backing into a parked car, colliding with a tree, sideswiping another vehicle, crashing into a building and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive insurance

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as falling objects, fire damage, hail damage, rock chips in glass and vandalism. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Get your money’s worth

We just covered many ways to compare 2003 Ford Crown Victoria insurance prices online. The key thing to remember is the more you quote, the better chance you’ll have of finding lower rates. Drivers may discover the best prices are with a company that doesn’t do a lot of advertising.

Cost effective insurance is possible on the web and also from your neighborhood agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance providers may not provide online price quotes and these smaller companies work with independent agents.

Consumers leave their current company for many reasons like policy cancellation, questionable increases in premium, an unsatisfactory settlement offer or even delays in responding to claim requests. Regardless of your reason, choosing a new company can be pretty painless.

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