1991 Ford LTD Crown Victoria Car Insurance Rates – 8 Tips for Cheapest Quotes

Searching for lower insurance coverage rates for your Ford LTD Crown Victoria? Wish you could get out of an expensive insurance coverage policy? You’re preaching to the choir because there are lots of residents who feel the same. There is such a variety of insurers to choose from, and although it’s nice to have multiple companies, too many choices makes it more difficult to adequately compare rates.

You need to compare prices before your next renewal because prices are adjusted regularly by insurance companies. Even if you got the lowest rates for LTD Crown Victoria coverage a few years ago the chances are good that you can find a lower rate quote today. Ignore everything you know about insurance coverage because you’re about to learn how to quote online to save money, get proper coverage and the best rates.

This article will introduce you to the most effective way to quote insurance and some tricks to saving. If you have car insurance now, you should be able to cut costs considerably using this information. Drivers only need to know the most efficient way to get comparison rates over the internet.

How to get car insurance rate quotes

Cutting your car insurance rates doesn’t have to be difficult. You just need to spend a little time comparing free insurance coverage quotes provided by online insurance companies. This can be done in a couple of different ways.

The first (and easiest) way consumers can analyze rates is an all-inclusive rate comparison click here to open form in new window. This form keeps you from doing separate quotation requests for every company. A single, simple form gets prices estimates from multiple low-cost companies.

A more difficult way to find better pricing is spending the time to visit each individual company website and go through the quote process again. For example, we’ll assume you need rates from Progressive, Geico and American Family. You would need to spend time on each company’s site and enter your policy data, which is not fast way to get rate quotes. To view a list of companies in your area, click here.

The least recommended method to find lower rates is making phone calls or going to insurance agencies in your area. The ability to quote online eliminates the middleman unless you want the professional assistance of an agent trained in personal lines coverage. Although you can price shop online and have a local agent actually service the policy.

The method you choose is up to you, but make darn sure you compare apples-to-apples coverage limits with every price quote. If the quotes have higher or lower deductibles you will not be able to decipher which rate is best.

Eight discounts for affordable insurance rates

Companies offering auto insurance don’t always advertise every possible discount in a way that’s easy to find, so the following list contains some of the more common as well as some of the hidden savings tricks you should be using when you buy insurance coverage online. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

No Accidents – Insureds who avoid accidents and claims pay less compared to insureds who have frequent claims or accidents.
Discounts for Government Workers – Having worked for a branch of the government could qualify for a slight premium decrease for LTD Crown Victoria coverage depending on your company.
Discounts for Seat Belt Usage – Buckling up and requiring all passengers to buckle up before driving could cut 10% or more off PIP or medical payments premium.
Passive Restraint Discount – Factory air bags or automatic seat belts may qualify for discounts as much as 30%.
Clubs and Organizations – Belonging to specific professional or occupational memberships or organizations can get you a small discount on your next insurance statement.
Discount for Low Mileage – Keeping the miles down on your Ford could qualify for better rates on cars that stay parked.
Bundled Policy Discount – When you have multiple policies with one company you may save at least 10% off all policies.
Telematics Discount – Drivers that enable their company to study driving habits through the use of a telematics system such as State Farm’s In-Drive could possibly reduce rates if they exhibit good driving behavior.

Drivers should understand that most discounts do not apply to all coverage premiums. Most only apply to specific coverage prices like collision or personal injury protection. So when the math indicates adding up those discounts means a free policy, you aren’t that lucky.

Some companies that may include many of the previously listed discounts include:

If you are trying to find inexpensive insurance coverage quotes, ask every company which discounts you may be entitled to. Some of the discounts discussed earlier may not be offered in your area. If you would like to see a list of insurance companies who offer discounts, click here.

You may need specialized car insurance coverage

When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Everyone’s needs are different and your policy should reflect that. For example, these questions could help you determine whether your personal situation might need professional guidance.

Is my 1991 Ford LTD Crown Victoria covered for flood damage?
If my 1991 Ford LTD Crown Victoria is totaled, can I afford another vehicle?
When should I drop full coverage on my 1991 Ford LTD Crown Victoria?
Why am I be forced to buy a membership to get insurance from some companies?
Who is covered by my policy?
Are there companies who specialize in insuring high-risk drivers?
Do I need PIP (personal injury protection) coverage in my state?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

Insurance coverages and their meanings

Knowing the specifics of your policy can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. These are the usual coverages available from insurance companies.

Liability coverages

This coverage protects you from damages or injuries you inflict on a person or their property that is your fault. It protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as medical services, court costs and pain and suffering. How much coverage you buy is your choice, but you should buy as much as you can afford.

Collision coverage

Collision insurance covers damage to your LTD Crown Victoria caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things like hitting a parking meter, sustaining damage from a pot hole, backing into a parked car, crashing into a building and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Comprehensive coverage

This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as theft, damage from a tornado or hurricane, rock chips in glass, vandalism and damage from flooding. The most a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist coverage

This provides protection when other motorists either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your 1991 Ford LTD Crown Victoria.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits are set the same as your liablity limits.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for immediate expenses like EMT expenses, ambulance fees, hospital visits and rehabilitation expenses. They are used to fill the gap from your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Better coverage you can count on

As you quote insurance coverage, don’t be tempted to skimp on coverage in order to save money. In many instances, drivers have reduced liability limits or collision coverage only to discover later that a couple dollars of savings turned into a financial nightmare. The proper strategy is to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.

You just read a lot of tips how to compare 1991 Ford LTD Crown Victoria insurance prices online. It’s most important to understand that the more rate quotes you have, the higher your chance of finding the cheapest insurance coverage. You may even find the lowest prices are with a small mutual company. Smaller companies may only write in your state and offer lower rates compared to the large companies like Allstate and Progressive.