1993 Ford Crown Victoria Insurance Rates

Are you regretting buying overpriced insurance? Trust us, there are many consumers feeling the pinch from expensive insurance.

Big companies like Progressive, Geico and Farmers Insurance constantly bombard you with TV and radio ads and consumers find it hard to see through the deception and do the work needed to find the best deal.

Consumers should take time to do rate comparisons yearly because prices are rarely the same from one policy term to another. Just because you had the lowest rates for Crown Victoria insurance six months ago there may be better deals available now. Block out anything you think you know about insurance because you’re about to find out the fastest way to get good coverage at a lower rate.

How insurance companies calculate Ford Crown Victoria insurance costs

An important part of buying insurance is that you know a few of the rating criteria that help determine the price you pay for insurance. When you know what positively or negatively impacts premium levels, this helps enable you to make changes that can help you get lower insurance prices.

The list below includes a few of the things used by insurance companies to determine prices.

  • Keep prices low by being claim-free – Car insurance companies give most affordable rates to drivers who are not frequent claim filers. If you’re an insured who likes to file claims you can pretty much guarantee either a policy non-renewal or much higher rates. Insurance coverage is designed for the bigger claims that can’t be paid out-of-pocket.
  • High deductibles lower rates – Insurance for physical damage, also called comprehensive and collision insurance, covers your vehicle from damage. Some instances where coverage would apply would be running into the backend of another car, damage from fire, and rolling your vehicle. The deductibles you choose define how much you are required to spend before your insurance pays a claim. The more of the claim you are required to pay out-of-pocket, the lower your rates will be for Crown Victoria insurance.
  • Does your vocation raise your insurance rates? – Occupations like real estate brokers, social workers and financial analysts tend to have higher premiums than the average policyholder in part from intense work-related stress and lots of time spent at work. On the other hand, occupations such as scientists, students and the unemployed pay the least for Crown Victoria insurance.
  • Don’t skimp on liability insurance – Your policy’s liability coverage provides coverage when you are found to be at fault for damages caused by your negligence. This coverage provides legal defense which can be incredibly expensive. This coverage is relatively inexpensive compared to physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • Avoid tickets and save – Having just one speeding ticket or other violation may increase your cost forty percent or more. Careful drivers tend to pay less for car insurance as compared to careless drivers. People who have careless citations like DUI or reckless driving may be required to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to prevent their license from being revoked.

Buy auto insurance online

When comparison shopping, there are several ways to compare quotes from local auto insurance companies. The fastest way to find affordable 1993 Ford Crown Victoria insurance rates involves getting comparison quotes online. This is quite simple and can be completed by using one of the methods below.

  1. Hands down the most simple method to compare a lot of rates at once would be an industry-wide quote request form click to view form in new window. This easy form keeps you from doing repetitive form entry to each individual auto insurance company. One quote request compares rates from multiple companies.
  2. A less efficient way to compare prices is going to the website for every company you want to comare and repeat the quote process. For examples sake, we’ll pretend you want to see prices from Liberty Mutual, Progressive and Farmers. You would have to go to every website to input your insurance information, and that’s why the first method is more popular.

    For a handy list of car insurance company links in your area, click here.

You can use whichever method you prefer to find lower rates, just try to keep equivalent coverage limits and deductibles on every quote. If the quotes have mixed coverages it will be impossible to determine the best price for your Ford Crown Victoria. Just a small difference in coverage limits may result in large price differences. Keep in mind that making a lot of price comparisons will increase your chances of finding the best rates. Not every company provides online quotes, so you should also compare rates from the smaller companies as well.

Drivers who switch save $394 a year? Really?

Car insurance providers like Allstate and Progressive seem to constantly run ads in print and on television. They all seem to advertise claims that drivers will save a bundle if you switch your coverage to them. That’s great but how can every company make almost identical claims? It’s all in the numbers.

Insurance companies can use profiling for the type of driver that will add to their bottom line. A good example of a preferred risk could be between the ages of 40 and 55, has no driving citations, and drives a safe vehicle. Any driver that fits those parameters will get very good rates as well as save quite a bit of money when switching.

Insureds who may not quite match the ideal profile will be quoted higher rates and ends up with the customer buying from someone else. If you listen to the ad wording, they say “customers that switch” but not “all drivers who get quotes” save the amount stated. That’s why companies can truthfully make those statements. Different companies use different criteria so you really need to do a rate comparison at every renewal. It is just not possible to predict the company that will have the best auto insurance rates at this point in time.

Discount auto insurance rates

Auto insurance companies don’t necessarily list every possible discount very clearly, so the following list contains both well-publicized and also the lesser-known credits that may apply to you. If you aren’t receiving every discount you qualify for, you are not getting the best rate possible.

  • Low Mileage Discounts – Low mileage vehicles may allow you to get lower rates on the low mileage vehicles.
  • Homeowners Savings – Owning your own home or condo can earn you a little savings since home ownership means you have a higher level of financial diligence.
  • Telematics Discount – Policyholders that allow driving data submission to look at vehicle usage by using a telematics device in their vehicle such as Drivewise from Allstate or Snapshot from Progressive may get a rate reduction if they are good drivers.
  • New Vehicle Savings – Buying a new car model can save up to 30% compared to insuring an older model.
  • 55 and Retired – Mature drivers can get a small decrease in premiums for Crown Victoria insurance.
  • Multi-Vehicle Discounts – Having more than one vehicle with the same auto insurance company could earn a price break for each car.
  • Government Employees – Active or former government employment can save as much as 8% for Crown Victoria insurance with certain companies.

Don’t be shocked that many deductions do not apply the the whole policy. Some only reduce individual premiums such as collision or personal injury protection. Even though it may seem like all those discounts means the company will pay you, you aren’t that lucky. Any amount of discount will bring down your overall premium however.

A list of auto insurance companies and some of their more popular discounts are detailed below.

  • State Farm offers premium reductions for Steer Clear safe driver discount, safe vehicle, good student, student away at school, accident-free, and Drive Safe & Save.
  • Geico may include discounts for military active duty, good student, federal employee, seat belt use, and multi-vehicle.
  • SAFECO offers discounts for teen safety rewards, homeowner, safe driver, accident prevention training, drive less, multi-car, and bundle discounts.
  • Farmers Insurance has savings for homeowner, pay in full, alternative fuel, mature driver, electronic funds transfer, good student, and youthful driver.
  • AAA may have discounts that include good student, anti-theft, pay-in-full, multi-policy, AAA membership discount, and education and occupation.
  • USAA may offer discounts for loyalty savings, driver training, multi-vehicle, good student, new vehicle, and vehicle storage.

When comparing rates, check with every company what discounts are available to you. Some of the earlier mentioned discounts may not apply to policyholders everywhere. To find companies who offer online auto insurance quotes, click this link.

Tailor your insurance coverage coverage to you

When it comes to choosing coverage, there isn’t really a cookie cutter policy. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that might help in determining whether you may require specific advice.

  • Should I bundle my homeowners policy with my auto?
  • Does my medical payments coverage pay my health insurance deductible?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Do I need more liability coverage?
  • What is the ISO rating for a 1993 Ford Crown Victoria?
  • What companies insure drivers after a DUI or DWI?
  • Are my tools covered if they get stolen from my vehicle?
  • What is roadside assistance coverage?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.

Auto insurance policy specifics

Learning about specific coverages of your auto insurance policy can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement. These are the normal coverages available from auto insurance companies.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as damage to your 1993 Ford Crown Victoria.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Liability car insurance

This coverage protects you from damage or injury you incur to people or other property that is your fault. This insurance protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability insurance covers things like pain and suffering, legal defense fees, loss of income, medical services and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but consider buying higher limits if possible.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for things like doctor visits, ambulance fees and prosthetic devices. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible

Comprehensive coverage

This will pay to fix 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 can pay for things such as vandalism, a broken windshield and theft. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverage protection

This coverage covers damage to your Crown Victoria resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as crashing into a building, driving through your garage door, scraping a guard rail and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

In Summary

Cost effective 1993 Ford Crown Victoria insurance is available from both online companies and also from your neighborhood agents, so you should compare both so you have a total pricing picture. Some insurance providers may not have price quotes online and usually these small, regional companies sell through independent agents.

We just showed you many tips how you can shop for 1993 Ford Crown Victoria insurance online. The key thing to remember is the more price quotes you have, the better your chances of lowering your premium rates. Drivers may discover the best price on insurance is with some of the smallest insurance companies. They may cover specific market segments cheaper than their larger competitors like State Farm and Allstate.

When buying insurance coverage, it’s a bad idea to buy lower coverage limits just to save a few bucks. In too many instances, an insured cut comprehensive coverage or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. Your focus should be to get the best coverage possible for the lowest price, but do not sacrifice coverage to save money.

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