2006 Ford Crown Victoria Insurance Quotes – 6 Tips for Best Rates

Having to pay for overpriced insurance coverage can dwindle your savings account and make it hard to pay other bills. Comparison shopping is a great way to tighten up your finances.

You have so many insurance companies to purchase coverage from, and although it’s nice to have multiple companies, it makes it harder to compare rates and cut insurance costs.

It’s important to price shop coverage periodically since insurance rates are constantly changing. If you had the lowest rates on Crown Victoria insurance last year you can probably find a better price now. Forget all the misinformation about insurance coverage because you’re about to find out the easiest way to find better coverage at a better price.

The best way to compare policy rates is to know auto insurance companies pay for the opportunity to give free rates quotes. To get started, all you need to do is provide information including whether the vehicles are used for commuting, driver ages, deductibles desired, and what your job is. The data is instantly sent to many different companies and you will receive price estimates within a short period of time.

To check rates for your 2006 Ford Crown Victoria, click here and find out if lower rates are available.

How much can you save with these six discounts?

Properly insuring your vehicles can get expensive, but companies offer discounts that you may not even be aware of. Some discounts apply automatically at quote time, but lesser-known reductions have to be asked for before you get the savings.

  • Braking Control Discount – Vehicles equipped with ABS or steering control can reduce accidents and therefore earn up to a 10% discount.
  • Claim Free – Drivers with accident-free driving histories pay much less compared to bad drivers.
  • Use Seat Belts – Requiring all passengers to wear their seat belts could cut 10% or more off your medical payments premium.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10%.
  • Government Employees – Employees or retirees of the government can save as much as 8% on Crown Victoria insurance depending on your company.
  • Drive Safe and Save – Safe drivers may save up to 50% more on Crown Victoria insurance than their less cautious counterparts.

It’s important to understand that most credits do not apply to all coverage premiums. Most only apply to individual premiums such as medical payments or collision. So when it seems like adding up those discounts means a free policy, it just doesn’t work that way. Any amount of discount will help reduce your overall premium however.

To see a list of providers who offer insurance coverage discounts, click this link.

How much car insurance do I need?

When buying the best insurance coverage for your vehicles, there is no “perfect” insurance plan. Each situation is unique so this has to be addressed. These are some specific questions might point out whether your personal situation could use an agent’s help.

  • Does my policy cover my teen driver if they drive my company car?
  • Is my babysitter covered when using my vehicle?
  • Should I buy only the required minimum liability coverage?
  • Am I covered when using my vehicle for business?
  • Are there companies who specialize in insuring high-risk drivers?
  • Do I need roadside assistance coverage?

If you can’t answer these questions but a few of them apply then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.

Auto insurance policy specifics

Having a good grasp of auto insurance aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types found on the average auto insurance policy.

Collision coverage

This covers damage to your Crown Victoria caused by collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like colliding with another moving vehicle, scraping a guard rail, sideswiping another vehicle, hitting a mailbox and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also raise the deductible in order to get cheaper collision rates.

Comprehensive auto insurance

This will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like hitting a bird, hail damage and fire damage. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability auto insurance

This will cover damages or injuries you inflict on people or other property in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as attorney fees, court costs, repair costs for stationary objects and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Ford Crown Victoria.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Usually these limits are set the same as your liablity limits.

Coverage for medical expenses

Med pay and PIP coverage kick in for immediate expenses like ambulance fees, dental work and hospital visits. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible