2011 Ford Crown Victoria Car Insurance Cost

Drivers have lots of choices when trying to find affordable Ford Crown Victoria insurance. You can either spend your time driving around to compare prices or save time using the internet to make rate comparisons.

There is a better way to buy insurance and you need to know the absolute fastest way to compare rates for a new or used Ford and locate the lowest possible price from local insurance agents and online providers.

Consumers should take time to take a look at other company’s rates at least once a year since insurance rates change regularly. Just because you had the lowest price for Crown Victoria insurance on your last policy there is a good chance you can find better rates now. There is a lot of wrong information about insurance online, so I’m going to show you a bunch of ideas how to reduce your insurance bill.

Insurance Coverage Quote Comparison

Reducing your 2011 Ford Crown Victoria insurance rates is a fairly straight forward process. Consumers just need to spend a few minutes to compare quotes online from several insurance companies. This is very easy and can be done using a couple different methods.

  1. The most efficient way to get quotes for comparison is to use a rate comparison form (click to open form in new window). This type of form prevents you from having to do separate forms for each company you want a rate for. Taking the time to complete one form will get you price quotes from several companies. This is by far the quickest method.
  2. A more difficult way to get comparison quotes is to manually visit the website for each individual company and complete a new quote form. For example, we’ll assume you want to compare State Farm, Progressive and Farmers. To get rate quotes you would need to take the time to go to each site and enter your policy data, which is why the first method is quicker. For a list of links to companies insuring cars in your area, click here.
  3. The least recommended method to get comparison rates is driving around to different agent offices. Buying insurance online makes this process obsolete unless you have a need for the professional advice that only a license agent can provide. However, consumers can compare the best prices online but still have the advice of a local agent. We’ll cover that shortly.

It’s up to you which method you use, but ensure you’re using exactly the same coverage limits and deductibles for every quote you compare. If the quotes have different liability limits it’s not possible to determine the lowest rate for your Ford Crown Victoria.

Don’t miss out on these money-saving discounts

The cost of insuring your cars can be expensive, but there are discounts available to help offset the cost. Most are applied when you complete an application, but some must be specifically requested before you will receive the discount. If you aren’t receiving every discount possible, you’re paying more than you need to.

  • Drive Safe and Save – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for Crown Victoria insurance than drivers with accidents.
  • Distant Student – Any of your kids who attend school more than 100 miles from home without a vehicle on campus can receive lower rates.
  • Accident Free – Claim-free drivers pay much less as compared to drivers who are more careless.
  • Driver’s Ed – Require your teen driver to enroll in driver’s education in high school.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or automatic seat belts can qualify for discounts up to 30%.

Keep in mind that most credits do not apply to all coverage premiums. Some only reduce individual premiums such as physical damage coverage or medical payments. Just because you may think all those discounts means the company will pay you, companies wouldn’t make money that way. But all discounts will help reduce your overall premium however.

For a list of insurers with discount insurance coverage rates, click here.

Do I need special coverages?

When it comes to buying adequate coverage for your personal vehicles, there is no single plan that fits everyone. Every situation is different.

For example, these questions can aid in determining if you will benefit from professional help.

  • Is my dog or cat covered if injured in an accident?
  • Is my trailer covered?
  • I have good health insurance, so how much medical payments coverage do I need?
  • When can I cancel my policy?
  • What can I do if my company won’t pay a claim?
  • Does coverage extend to a rental car in a foreign country?
  • Do I need special endorsements for business use of my vehicle?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and you can get the answers you need.

These factors can influence Ford Crown Victoria insurance rates

Consumers need to have an understanding of the rating factors that come into play when calculating the rates you pay for insurance coverage. Having a good understanding of what controls the rates you pay allows you to make educated decisions that can help you get better insurance coverage rates.

The list below includes a partial list of the pieces companies use to determine your rates.

  • Never go without insurance – Driving with no insurance can get your license suspended and your next policy will cost more because you let your coverage have a gap. Not only will rates go up, but being ticketed for driving with no insurance can result in a steep fine or even jail time.
  • You might want pay the small claims yourself – Auto insurance companies award cheaper rates to policyholders who do not file claims often. If you file claims often, you can pretty much guarantee either policy cancellation or increased premiums. Auto insurance is designed for larger claims.
  • Theft deterrents lower rates – Owning a car with an alarm system can help lower your rates. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent car theft.
  • Your location is important – Living in a rural area is a positive aspect when it comes to insurance coverage. Less people living in that area means a lower chance of having an accident and a lower car theft rate. Urban drivers have to deal with more traffic problems and a longer drive to work. More time on the road translates into higher accident risk.

Auto insurance coverages

Knowing the specifics of a insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your 2011 Ford Crown Victoria.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Usually the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive insurance

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like theft, fire damage, a tree branch falling on your vehicle, hitting a deer and vandalism. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for bills for things like dental work, EMT expenses, rehabilitation expenses, hospital visits and surgery. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Coverage for collisions

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like damaging your car on a curb, hitting a parking meter and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Liability coverage

Liability coverage can cover damage or injury you incur to other’s property or people by causing an accident. This coverage protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined limit that pays claims from the same limit without having the split limit caps.

Liability can pay for claims like loss of income, pain and suffering, structural damage and court costs. How much liability should you purchase? That is up to you, but buy as much as you can afford.

Have money to burn

Cost effective 2011 Ford Crown Victoria insurance can be found on the web and also from your neighborhood agents, and you should be comparing both to have the best chance of lowering rates. Some insurance companies may not provide the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

We just showed you many ideas to get a better price on insurance. The key concept to understand is the more companies you get rates for, the better likelihood of reducing your rate. Consumers could even find that the lowest priced car insurance comes from some of the smallest insurance companies.

People who switch companies do it for many reasons like an unsatisfactory settlement offer, being labeled a high risk driver, policy cancellation or even delays in paying claims. Whatever your reason, finding the right car insurance provider is not as difficult as it may seem.

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