Cheaper 1999 Ford Crown Victoria Insurance Cost

Are you tired of robbing Peter to pay Paul to pay your auto insurance bill each month? You are in the same boat as many other drivers.

Many car insurance companies compete for your hard-earned dollar, and because of this it can be hard to compare car insurance companies and get the definite best rate

If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using these techniques. Finding the best rates is not rocket science. But drivers must comprehend how big insurance companies market on the web because it can help you find the best coverage.

Ford Crown Victoria insurance rates can be cheaper

Many things are part of the equation when premium rates are determined. Some are obvious such as your driving record, but other factors are not as apparent like your vehicle usage or how financially stable you are.

  • Multiple policies with one company – Some companies will award discounts for people who carry more than one policy, otherwise known as a multi-policy discount. Discounts can add up to ten or even up to twenty percent in some cases. Even if you already get this discount, it’s in your best interest to compare other insurance prices to verify if the discount is saving money.
  • Reduce car insurance rates by driving safer vehicles – Vehicles that have high safety ratings can get you lower premiums. Vehicles engineered for safety reduce occupant injuries and any reduction in injury severity means your insurance company pays less which can mean better rates for you. If your Ford scored at minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • Don’t cut corners with liability insurance – The liability coverage on your policy will protect you when you are found to be at fault for physical damage or personal injury to other. Your policy’s liability insurance provides for a legal defense which can be incredibly expensive. Liability insurance is pretty cheap compared to physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • Gender is a factor – The statistics show that females tend to be a little less risky than males. Now that doesn’t mean women are better drivers. Males and females have at-fault accidents at a similar rate, but guys tend to have higher claims. Men also statistically get higher numbers of serious violations like driving under the influence (DUI).
  • Where do you drive? – The more miles you rack up on your Ford annually the more you will pay for car insurance. A lot of insurance companies rate vehicles based on how the vehicle is used. Autos that are left in the garage receive better premium rates than vehicles that have high annual mileage. Having an incorrect usage rating on your Crown Victoria is just wasting money. It’s a good idea to make sure your declarations sheet is showing the correct usage for each vehicle, because improper ratings can cost you money.
  • Single vs. married – Your spouse can actually save you money compared to being single. It generally demonstrates drivers are more stable financially and it’s statistically proven that being married results in fewer claims.
  • Responsible drivers pay less – Whether or not you get tickets has a lot to do with how much you pay for insurance. Good drivers have lower premiums than their less careful counterparts. Having a single speeding ticket can bump up the cost to the point where it’s not affordable. Drivers who have received flagrant violations such as DUI or reckless driving are required to maintain a SR-22 to the state department of motor vehicles in order to prevent their license from being revoked.

More discounts mean cheaper premiums

Insurance can cost an arm and a leg, but there may be some discounts that you may not even be aware of. Most are applied at the time of purchase, but once in a while a discount must be specially asked for before you will receive the discount.

  • College Student – who live away from home to go to college and do not take a car to college may be insured at a cheaper rate.
  • Safe Driver Discounts – Drivers who don’t get into accidents may receive a discount up to 45% for Crown Victoria coverage compared to rates paid by drivers with frequent claims.
  • Professional Organizations – Participating in certain professional organizations could trigger savings on your bill.
  • Auto/Home Discount – If you have multiple policies with one insurance company you could save at least 10 to 15 percent or more.
  • Drive Less and Save – Low annual miles can earn substantially lower car insurancerates.
  • No Claims – Claim-free drivers pay much less as opposed to accident-prone drivers.
  • Sign Online – A few companies may give you up to $50 shop auto insurance on their website.
  • Use Seat Belts – Buckling up and requiring all passengers to use their safety belts may be able to save a few bucks off the personal injury premium cost.
  • Employee of Federal Government – Having worked for a branch of the government could qualify for a slight premium decrease for Crown Victoria coverage depending on your company.
  • Early Switch Discount – A few companies give discounts for buying a new policy prior to the expiration date on your current policy. It’s a savings of about 10%.

It’s important to understand that most of the big mark downs will not be given to all coverage premiums. A few only apply to the cost of specific coverages such as comprehensive or collision. So even though they make it sound like all the discounts add up to a free policy, nobody gets a free ride.

Companies and some of the discounts are outlined below.

  • American Family offers premium reductions for early bird, accident-free, air bags, Steer into Savings, and multi-vehicle.
  • State Farm has savings for multiple policy, Steer Clear safe driver discount, driver’s education, multiple autos, and Drive Safe & Save.
  • 21st Century offers discounts including early bird, good student, homeowners, student driver, anti-lock brakes, and automatic seat belts.
  • Travelers discounts include hybrid/electric vehicle, IntelliDrive, good student, student away at school, multi-car, save driver, and new car.
  • Geico offers discounts for anti-theft, emergency military deployment, federal employee, seat belt use, and anti-lock brakes.

When comparing rates, check with all the companies which discounts they offer. Some of the discounts discussed earlier may not be available in your area. To locate insurers that offer discounts, follow this link.

It’s not one size fits all

When it comes to buying proper insurance coverage, there isn’t really a “perfect” insurance plan. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that may help highlight whether you might need professional guidance.

  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • When should I not file a claim?
  • Is my dog or cat covered if injured in an accident?
  • Do I have coverage for damage caused while driving under the influence?
  • When can my company non-renew my policy?
  • Am I covered when pulling a rental trailer?
  • Do I need PIP (personal injury protection) coverage in my state?

If you’re not sure about those questions then you might want to talk 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.

Detailed coverages of your car insurance policy

Understanding the coverages of car insurance helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement. Shown next are the usual coverages found on most car insurance policies.

Collision coverages – Collision insurance pays for damage to your Crown Victoria resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as hitting a parking meter, crashing into a ditch, damaging your car on a curb, backing into a parked car and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for surgery, EMT expenses and ambulance fees. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Auto liability – This protects you from damage or injury you incur to other’s property or people in an accident. This coverage protects you against claims from other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 which means a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims such as attorney fees, bail bonds and loss of income. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

Comprehensive protection – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as hitting a bird, damage from getting keyed, a tree branch falling on your vehicle, damage from a tornado or hurricane and a broken windshield. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist 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 as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Be Smart and Buy Smart

You just learned a lot of ways to shop for 1999 Ford Crown Victoria insurance online. The key concept to understand is the more rate quotes you have, the better your chances of lowering your car insurance rates. Consumers could even find that the lowest rates come from an unexpected company. Regional companies may often insure only within specific states and give getter rates than their larger competitors like Progressive or Geico.

When getting auto insurance quotes online, it’s a bad idea to skimp on coverage in order to save money. In many instances, consumers will sacrifice uninsured motorist or liability limits only to discover later that their decision to reduce coverage ended up costing them more. The aim is to find the BEST coverage at the lowest possible cost, but do not sacrifice coverage to save money.

Cheap 1999 Ford Crown Victoria insurance is attainable both online and with local insurance agents, so you need to quote auto insurance with both to have the best selection. Some auto insurance companies may not offer rates over the internet and many times these regional insurance providers sell through independent agents.

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