How Much Does 2001 Ford Crown Victoria Car Insurance Cost?

Shoppers have lots of choices when shopping for the best price on Ford Crown Victoria insurance. You can either waste hours contacting agents to get rate comparisons or save time using the internet to compare rates. There is a better way to compare insurance coverage rates and we’ll show you the quickest way to price shop coverage on a Ford and locate the cheapest rates from local insurance agents and online providers.

If you have a current car insurance policy or need new coverage, you can use this information to find better prices and still get good coverage. The purpose of this article is to teach you the most effective way to quote insurance and some money-saving tips. Consumers just need to understand the proper methods to shop for car insurance online.

How to compare insurance coverage rate quotes

Finding a lower price on 2001 Ford Crown Victoria insurance can be relatively painless. The only requirement is to spend a few minutes to compare free insurance coverage quotes provided by online insurance companies. It’s really simple and can be done by using one of the methods below.

  1. The recommended way consumers can analyze rates is an all-inclusive rate comparison (click to open form in new window). This easy form keeps you from doing boring form submissions for every prospective company. In just a few minutes this one form gets prices estimates direct from many companies. It’s definitely the quickest method.
  2. A more difficult way to get comparison quotes is going to the website for each individual company and fill out a new quote form. For instance, we’ll assume you want comparison quotes from Nationwide, Progressive and Farmers. To do that, you would have to spend time on each company’s site to enter your coverage information, which can take a lot of time.

    For a list of companies in your area, click here.

  3. The last way to compare rates is driving to different agent offices. Shopping for insurance coverage online eliminates this option unless you’re the type of person who wants the professional advice that can only be provided by a licensed insurance agent. You can, however, comparison shop your insurance online but buy the policy through an agent.

Take whichever approach you prefer, but compare the exact same coverages with each company. If your comparisons have different deductibles it will be next to impossible to determine which rate is truly the best.

Insurance rates and discounts

Insurance can be pricey, but you can get discounts that could help you make your next renewal payment. Some discounts will apply when you complete an application, but some must be requested specifically in order for you to get them.

  • Lower Rates for Military – Being deployed with a military unit may lower your prices slightly.
  • Claim-Free Discount – Drivers who stay claim-free have much lower rates in comparison to drivers who are more careless.
  • Auto/Life Discount – Companies who offer life insurance give a discounted price on car insurance if you buy some life insurance in addition to your auto policy.
  • Good Driver Discounts – Insureds without accidents can pay as much as 50% less for Crown Victoria insurance compared to rates paid by drivers with frequent claims.
  • ABS and Traction Control Discounts – Cars, trucks, and SUVs equipped with ABS or steering control can stop better under adverse conditions and earn discounts up to 10%.
  • Discount for Multiple Policies – When you combine your home and auto insurance and insure them both with the same insurance company you may earn at least 10% off all policies.
  • Discounts for Multiple Vehicles – Buying coverage for multiple vehicles with the same insurance company can reduce rates for all insured vehicles.
  • Passive Restraint Discount – Options like air bags and/or automatic seat belt systems can get savings of 20% or more.
  • Paper-free Discount – Many insurance companies will discount your bill up to fifty bucks for buying your policy digitally online.

We need to note that many deductions do not apply to the entire cost. Most only cut specific coverage prices like liability and collision coverage. If you do the math and it seems like all those discounts means the company will pay you, it just doesn’t work that way.

A list of insurance companies and their offered discounts are:

  • State Farm discounts include multiple policy, good student, driver’s education, passive restraint, and student away at school.
  • Farmers Insurance offers discounts for mature driver, early shopping, pay in full, alternative fuel, business and professional, and distant student.
  • Geico may have discounts that include federal employee, military active duty, five-year accident-free, daytime running lights, and good student.
  • American Family may offer discounts for multi-vehicle, Steer into Savings, air bags, accident-free, good driver, and good student.
  • Nationwide includes discounts for defensive driving, good student, family plan, Farm Bureau membership, and anti-theft.
  • Progressive has savings for homeowner, online quote discount, continuous coverage, multi-policy, good student, and online signing.

Double check with each company to apply every possible discount. All car insurance discounts may not be available everywhere. To see a list of insurance companies that offer some of these discounts, click here to view.

Informed consumers can reduce their insurance prices

Lots of factors are part of the equation when you get a price on insurance. Some are pretty understandable such as traffic violations, although some other factors are not quite as obvious like where you live or how financially stable you are.The best way to find cheaper insurance coverage is to take a look at a few of the rating criteria that help calculate insurance coverage rates. If you know what positively or negatively impacts your premiums, this enables you to make decisions that may reward you with lower insurance coverage prices.

The items below are some of the most rate-impacting factors used by insurance companies to determine your prices.

  • Your address can affect rates – Choosing to live in small towns and rural areas has definite advantages when talking about insurance coverage. Fewer drivers and short commutes means a lower chance of having an accident and also fewer theft and vandalism claims. Residents of big cities have much more traffic and more severe claims. More time behind the wheel can result in more accidents.
  • Is your vehicle theft-ready? – Driving a car that has an advanced theft prevention system can save you some money. Anti-theft features such as OnStar, LoJack tracking, and tamper alarms help track and prevent your car from being stolen.
  • Males are more aggressive – Over the last 50 years, statistics have shown that women are safer drivers than men. That doesn’t necessarily mean that women are BETTER drivers than men. Women and men are in auto accidents in similar percentages, but guys tend to have more serious accidents. In addition to higher claims, males also get more serious tickets such as DWI and reckless driving. Youthful male drivers are several times more likely to be in an accident and thus pay the highest rates.
  • When should you not file a insurance claims? – Auto insurance companies provide the lowest premiums to people who are claim-free. If you file claims often, you can definitely plan on higher premiums or even policy non-renewal. Insurance coverage is designed for the large, substantial claims.
  • Consolidate policies and save – Some insurance coverage companies apply lower prices to buyers that purchase more than one policy, otherwise known as a multi-policy discount. Even if you qualify for this discount already, you may still want to compare rates to confirm you are receiving the best rates possible. Consumers may save even more by splitting coverages up.
  • Cars with good safety ratings mean better prices – Vehicles with good safety scores tend to be cheaper to insure. Vehicles built for safety result in less severe injuries and any reduction in injury severity means less money paid by your insurance company and cheaper rates on your policy.
  • Marriage equates to better costs – Having a spouse actually saves money on your insurance coverage policy. It translates into being more stable financially and insurance companies like that married couples file fewer claims.
  • Never let your policy expire – Driving your car without having proper coverage is a misdemeanor and companies may charge more for letting your insurance lapse for non-payment. Not only will rates go up, getting caught without coverage could result in fines and jail time.

Situations that may require an agent’s advice

When it comes to choosing adequate coverage for your vehicles, there really is not a single plan that fits everyone. Everyone’s situation is unique.

These are some specific questions might point out if your insurance needs will benefit from professional help.

  • Does my policy cover my teen driver if they drive my company car?
  • Do I have coverage when making deliveries for my home business?
  • When should my teen driver be added to my policy?
  • Are rental cars covered under my policy?
  • Should I waive the damage coverage when renting a car?
  • Are my friends covered when driving my car?
  • Can I drive in Mexico and have coverage?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, complete this form. It is quick, free and may give you better protection.

Insurance policy specifics

Knowing the specifics of your policy aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance pay for immediate expenses such as nursing services, pain medications, dental work, hospital visits and chiropractic care. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is not available in all states but can be used in place of medical payments coverage

Liability – Liability coverage can cover damages or injuries you inflict on other people or property. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things like structural damage, repair bills for other people’s vehicles, funeral expenses and pain and suffering. How much liability should you purchase? That is a personal decision, but consider buying higher limits if possible.

Comprehensive coverage – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like fire damage, a broken windshield, damage from flooding, hitting a bird and vandalism. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as damage to your Ford Crown Victoria.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Collision coverage – Collision coverage pays to fix your vehicle from damage resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as sustaining damage from a pot hole, backing into a parked car, damaging your car on a curb, sideswiping another vehicle and colliding with a tree. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

What is YOUR best insurance company?

Consumers who switch companies do it for many reasons like being labeled a high risk driver, delays in paying claims, not issuing a premium refund or even policy cancellation. It doesn’t matter what your reason, switching companies is actually quite simple.

As you shop your coverage around, it’s not a good idea to reduce needed coverages to save money. In too many instances, someone sacrificed liability limits or collision coverage and discovered at claim time that it was a big error on their part. Your goal should be to buy enough coverage at the best possible price, but don’t skip important coverages to save money.

We covered a lot of techniques to save on 2001 Ford Crown Victoria insurance. The key concept to understand is the more times you quote, the better likelihood of getting low cost insurance coverage. You may even find the biggest savings come from a small mutual company.

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