Cheaper 2003 Ford Crown Victoria Insurance Quotes

Trying to find better insurance prices for a new or used Ford Crown Victoria can normally be a lot of work, but you can learn these tips to make it easier.

There are both good and bad ways to shop for auto insurance and you need to know the absolute fastest way to get price quotes for a Ford and locate the best price possible either online or from local insurance agents.

How to get auto insurance price quotes

Finding low cost auto insurance rates is not rocket science. Consumers just need to spend a few minutes on the computer comparing price quotes to see which company has cheaper auto insurance quotes. This can be done in a couple of different ways.

  1. The first (and easiest) way consumers can analyze rates is an all-inclusive rate comparison click here to open form in new window. This style of form prevents you from having to do repetitive form submissions for each company. One simple form will return quotes from many national carriers. Recommended for those who want to invest the least amount of time.
  2. A more time consuming way to get comparison quotes is to manually visit each company website and complete a new quote form. For instance, let’s assume you want comparison quotes from Nationwide, Allstate and Liberty Mutual. You would need to spend time on each company’s site to input your insurance information, and that explains why we recommend the first method. To view a list of companies in your area, click here.

You can choose any of those ways to find more affodable coverage, but make sure you are using the exact same quote data on every price quote you get. If you compare different data you can’t possibly make a fair rate comparison.

Lower your auto insurance rates with discounts

Companies don’t necessarily list the complete list of policy discounts in an easy-to-find place, so the following is a list of both well-publicized and the harder-to-find discounts you could be receiving when you buy auto insurance online. If you do not double check each discount available, you could be paying more than you need to.

  • Payment Discounts – By paying your policy upfront instead of monthly or quarterly installments you can actually save on your bill.
  • Student Driver Training – Cut your cost by having your teen driver sucessfully take a drivers education course if it’s offered in school.
  • Driver Training Discounts – Completing a class that teaches driver safety techniques is a good idea and can lower rates and easily recoup the cost of the course.
  • Auto/Home Discount – When you have multiple policies with the same company you could get a discount of at least 10 to 15 percent or more.
  • Discount for Low Mileage – Fewer annual miles on your Ford can earn better premium rates on cars that stay parked.
  • Resident Student – who live away from home at college and do not take a car to college can be insured at a reduced rate.
  • Sign Online – A few auto insurance companies will discount your bill up to fifty bucks for buying a policy and signing up over the internet.
  • Homeowners Savings – Owning your own home or condo can get you a discount because it demonstrates responsibility.

Discounts save money, but please remember that most of the big mark downs will not be given to your bottom line cost. Most only cut individual premiums such as physical damage coverage or medical payments. If you do the math and it seems like having all the discounts means you get insurance for free, it’s just not the way it works.

The best auto insurance companies and their possible discounts can be read below.

  • 21st Century has discounts for driver training, anti-lock brakes, air bags, theft prevention, and automatic seat belts.
  • Progressive policyholders can earn discounts including homeowner, online quote discount, multi-vehicle, continuous coverage, and online signing.
  • State Farm has savings for accident-free, good driver, Drive Safe & Save, multiple autos, and Steer Clear safe driver discount.
  • Nationwide offers discounts for good student, accident-free, defensive driving, anti-theft, family plan, and multi-policy.
  • Esurance includes discounts for safety device, renters, DriveSense, Switch & Save, emergency road assistance, claim free, and defensive driver.
  • The Hartford may have discounts that include driver training, bundle, good student, vehicle fuel type, anti-theft, and air bag.

If you need lower rates, check with all the companies which discounts can lower your rates. Some of the earlier mentioned discounts might not be offered in your area.

You are unique and your insurance coverage should be too

When it comes to buying proper insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Everyone’s needs are different.

These are some specific questions could help you determine if your situation could use an agent’s help.

  • If I drive on a suspended license am I covered?
  • Is upholstery damage covered by car insurance?
  • How high should my uninsured/underinsured coverage be in my state?
  • When should I buy a commercial auto policy?
  • Am I covered when pulling a rental trailer?
  • Should I drop comprehensive coverage on older vehicles?
  • Is my teenager covered with friends in the car?
  • Are my friends covered when driving my 2003 Ford Crown Victoria?
  • Can I rent a car in Mexico?

If you can’t answer these questions but you know they apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and may give you better protection.

What car insurance coverages do you need?

Knowing the specifics of your car insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like hitting a deer, fire damage, damage from getting keyed and vandalism. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision protection

Collision insurance pays for damage to your Crown Victoria resulting from a collision with an object or car. You have to pay a deductible 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 and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to increase the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your 2003 Ford Crown Victoria.

Because many people have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Auto liability insurance

Liability insurance can cover damages or injuries you inflict on other people or property in an accident. It protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Another option is one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things such as medical services, loss of income, repair costs for stationary objects and court costs. The amount of liability coverage you purchase is up to you, but consider buying as much as you can afford.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like prosthetic devices, hospital visits and EMT expenses. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Save your cold hard cash

Discount 2003 Ford Crown Victoria insurance can be sourced from both online companies in addition to local insurance agencies, and you need to comparison shop both so you have a total pricing picture. Some companies do not provide rates over the internet and usually these small insurance companies work with local independent agencies.

As you shop your coverage around, it’s very important that you do not buy lower coverage limits just to save a few bucks. Too many times, someone sacrificed liability limits or collision coverage only to regret that it was a big mistake. The ultimate goal is to buy enough coverage at the best possible price while not skimping on critical coverages.

Insureds change insurance companies for a variety of reasons including denial of a claim, delays in paying claims, delays in responding to claim requests and lack of trust in their agent. No matter why you want to switch, finding a new company is not as hard as you think.

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