Lower Your 1997 Ford Crown Victoria Car Insurance Quotes

No sane person likes buying car insurance, in particular when they could find better prices if they shop around.

With so many options when it comes to car insurance, it is very difficult to find the right insurance company.

It’s important to quote other rates as often as possible because prices are adjusted regularly by insurance companies. If you had the lowest quotes on Crown Victoria coverage at your last renewal you will most likely find a better rate today. Ignore everything you know about car insurance because you’re going to get a crash course in one of the best ways to remove unneeded coverages and save money.

Buying car insurance is not that difficult. In a nutshell, every driver who carries auto insurance will be able to cut their insurance bill. But consumers do need to know how the larger insurance companies price insurance differently and take advantage of how the system works.

Compare car insurance quotes online

Most of the larger companies allow you to get prices for coverage direct online. Doing online price comparisons is pretty painless because you just enter your personal and coverage information as detailed in the form. After you submit the form their quoting system requests your credit score and driving record and generates a price based on the data you entered. Online price estimates simplifies rate comparisons, but the process of having to visit a lot of sites and enter the same data into a form is monotonous and tiresome. Unfortunately, it is important to perform this step in order to find the lowest possible prices on car insurance.

Quote rates the easy way

A quicker way to get multiple rate quotes uses one form that gets price quotes from a lot of companies. It saves time, requires less work, and makes quoting online much simpler. As soon as you send your information, your coverage is rated and you are able to buy any one of the quotes that you receive. If a lower price is quoted, you simply finish the application and buy the policy. It takes less than 15 minutes and you will find out if you’re overpaying now.

If you want to find out what other companies charge, click here and complete the simple form. If you have a policy now, it’s recommended you copy the limits and deductibles just like they are on your policy. Doing this guarantees you are getting comparison quotes based on the exact same insurance coverage.

Do you qualify for discount insurance coverage?

Insuring your vehicles can cost a lot, but you might already qualify for some discounts that you may not even know about. Some discounts will apply when you quote, but a few must be inquired about before they will apply. If you do not double check each discount available, it’s possible you qualify for a lower rate.

• Club Memberships – Belonging to qualifying employment or professional organizations can get you a small discount on insurance coverage.
• Defensive Driver Discounts – Completing a driver safety course may get you a small discount and easily pay for the cost of the class.
• Telematics Data Discounts – People who choose to allow companies to look at where and when they drive through the use of a telematics system such as Progressive’s Snapshot could possibly reduce rates if they show good driving skills.
• Discount for Swiching Early – Some companies reward drivers for switching to them before your current coverage expires. It’s a savings of about 10%.
• Lower Rates for Military – Being on active duty in the military may lower your premium rates slightly.

While discounts sound great, it’s important to understand that most of the big mark downs will not be given to the entire cost. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like all the discounts add up to a free policy, you aren’t that lucky. Any amount of discount will cut your premiums.

Companies and the discounts they provide are:

• State Farm offers premium reductions for safe vehicle, passive restraint, accident-free, defensive driving training, driver’s education, and good driver.
• American Family offers discounts for TimeAway discount, defensive driver, air bags, early bird, mySafetyValet, and good student.
• AAA discounts include anti-theft, good driver, multi-policy, multi-car, and pay-in-full.
• Geico has savings for daytime running lights, five-year accident-free, multi-vehicle, multi-policy, and defensive driver.
• Mercury Insurance includes discounts for ease of repair, anti-theft, low natural disaster claims, annual mileage, type of vehicle, and accident-free.
• Farmers Insurance policyholders can earn discounts including pay in full, multi-car, youthful driver, bundle discounts, early shopping, good student, and alternative fuel.
• Progressive may have discounts that include good student, online signing, continuous coverage, multi-vehicle, online quote discount, and multi-policy.

Check with each company which discounts you qualify for. Some discounts listed above might not apply in your area. For a list of companies offering insurance coverage discounts, click here to view.

What insurance coverages do I need?

When it comes to buying proper insurance coverage, there isn’t really a single plan that fits everyone. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that could help you determine whether your personal situation may require specific advice.

• Do I have any recourse if my insurance company denies a claim?
• Am I insured when driving a different vehicle?
• Is my state a no-fault state?
• Is a fancy paint job covered?
• Does coverage extend to a rental car in a foreign country?
• If my 1997 Ford Crown Victoria is totaled, can I afford another vehicle?
• Do I need to file an SR-22 for a DUI in my state?
• Am I covered when driving on a suspended license?
• How does medical payments coverage work?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with 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.

Educate yourself about insurance coverages

Learning about specific coverages of your policy helps when choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are the normal coverages found on the average insurance policy.

Liability

Liability insurance can cover damage that occurs to other people or property that is your fault. This coverage protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against claims like attorney fees, bail bonds, medical expenses, medical services and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Crown Victoria.

Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Collision coverage protection

This coverage will pay to fix damage to your Crown Victoria from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like rolling your car, hitting a mailbox, backing into a parked car, hitting a parking meter and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Comprehensive insurance

This coverage 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 can pay for things like theft, damage from flooding and damage from a tornado or hurricane. The maximum payout your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for bills for things like ambulance fees, pain medications and chiropractic care. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible