Lower Your 2006 Ford Crown Victoria Insurance Quotes

Nobody I know enjoys paying for insurance, especially when the price is too high. Having so many choices of insurance companies, it can be hard to locate the most cost effective company.

Discounts can really help lower premiums

Car insurance companies don’t list all possible discounts very well, so here is a list some of the more common in addition to some of the lesser obvious discounts that you may qualify for. If they aren’t giving you every credit possible, you are paying more than you should be.

  • Air Bag Discount – Cars that have air bags or motorized seat belts may qualify for discounts of 20 to 30 percent.
  • Discounts for Safe Drivers – Insureds without accidents may save up to 50% more on Crown Victoria insurance than drivers with accident claims.
  • Multiple Vehicles – Buying coverage for multiple cars with one company may reduce the rate for each vehicle.
  • Seat Belt Usage – Drivers who require all occupants to use a seat belt can save a little off PIP or medical payments premium.
  • Sign Early and Save – A few companies give discounts for buying a new policy prior to your current policy expiring. It could save around 10% when you buy auto insurance online.
  • First Accident Forgiveness – Not really a discount, but a handful of insurance companies will turn a blind eye to one accident before your rates go up if your claims history is clear for a set time period.
  • Senior Citizens – Drivers that qualify as senior citizens are able to get a discount up to 10% on Crown Victoria insurance.

Don’t be surprised that most discount credits are not given to all coverage premiums. Some only apply to the cost of specific coverages such as comp or med pay. So despite the fact that it appears all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

Larger car insurance companies and some of the premium reductions they offer can be found below.

  • Geico policyholders can earn discounts including five-year accident-free, anti-theft, anti-lock brakes, daytime running lights, defensive driver, good student, and membership and employees.
  • MetLife includes discounts for claim-free, good student, defensive driver, good driver, accident-free, and multi-policy.
  • State Farm may have discounts that include Steer Clear safe driver discount, multiple autos, Drive Safe & Save, accident-free, good student, multiple policy, and student away at school.
  • Progressive offers premium reductions for online quote discount, multi-vehicle, good student, multi-policy, continuous coverage, and homeowner.
  • Mercury Insurance offers discounts including anti-theft, low natural disaster claims, good driver, ease of repair, and accident-free.
  • 21st Century has discounts for driver training, student driver, theft prevention, 55 and older, good student, early bird, and anti-lock brakes.
  • Allstate offers discounts for farm vehicle, safe driver, new car, 55 and retired, anti-lock brakes, and premier plus.

Before purchasing a policy, check with all the companies how many discounts you can get. A few discounts may not apply in your area. If you would like to choose from a list of providers that can offer you the previously mentioned discounts, click here.

Cheapest car insurance price quotes

Finding low cost car insurance rates is an easy way to save money. All that’s required is to spend a few minutes on the computer to compare free auto insurance quotes from different insurance companies. This can be accomplished in several different ways.

The best way consumers can make multiple comparisons is a comparison rater form click to view form in new window. This style of form prevents you from having to do boring form submissions for each company. One quote request will return quotes from many national carriers.

A harder way to find lower rates requires a trip to each company’s website and repeat the quote process. For examples sake, let’s assume you are doing a rate comparison from Nationwide, State Farm and Travelers. To get each rate you have to take the time to go to each site and repeatedly enter your information, which explains why we recommend starting with the first method. To view a list of companies in your area, click here.

It’s up to you how you get prices quotes, just make sure you are using the exact same coverages for every quote you compare. If the quotes have different limits and deductibles on each one you will not be able to find the best deal for your Ford Crown Victoria.

Smart buyers can cut their insurance premiums

Smart consumers have a good feel for some of the factors that play a part in calculating your premiums. If you have a feel for what controls the rates you pay, this allows you to make good choices that can help you get lower rates.

  • Cheaper rates with safer cars – Safe vehicles are cheaper to insure. The safest vehicles have better occupant injury protection and reduced instances of injuries translates into savings for insurance companies and cheaper rates on your policy.
  • Allowing your policy to lapse raises premiums – Letting your insurance expire can be a guaranteed way to bump up your auto insurance costs. In addition to paying higher premiums, failure to provide proof of insurance could earn you fines and jail time. Then you may be required to prove you have insurance by filing a SR-22 with your state department of motor vehicles.
  • How your age affects premiums – Beginning drivers tend to be inattentive when at the wheel of a vehicle so they pay higher auto insurance rates. Older, more experienced drivers are more cautious drivers, tend to file fewer claims , and usually have better credit.
  • Is car insurance cheaper for males or females? – Over the last 30 years, statistics show that women are safer drivers than men. Now that doesn’t mean females are better drivers. Women and men cause auto accidents at about the same rate, but the men cause more damage. Men also get ticketed for serious violations like DWI (DUI) or reckless driving. Teenage male drivers generally have the highest accident percentage and thus pay the highest rates.
  • Use one insurance company and save – Most larger auto insurance companies provide better rates to customers who have multiple policies with them such as combining an auto and homeowners policy. Discounts can add up to ten or even fifteen percent. Even though this discount sounds good, it’s still a good idea to comparison shop to ensure the best deal.
  • Careless drivers pay higher prices – Getting just one citation may cause rates to rise by as much as thirty percent. Good drivers get better rates as compared to those with violations. Drivers who have received serious tickets such as reckless driving, hit and run or driving under the influence may need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to legally drive a vehicle.
  • Prevent theft and save money – Choosing a vehicle with a theft deterrent system can help lower your rates. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping vehicle theft.

Will just any policy work for me?

When it comes to buying proper insurance coverage, there really is not a “best” method to buy coverage. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine whether you may require specific advice.

  • Is other people’s property covered if stolen from my vehicle?
  • Will my rates increase for filing one claim?
  • Are all vehicle passengers covered by medical payments coverage?
  • How can I force my company to pay a claim?
  • Can my teen drive my company car?
  • Why do I need rental car insurance?
  • Does my policy cover me when driving someone else’s vehicle?
  • Do I pay less if my vehicle is kept in my garage?
  • What is UM/UIM insurance?
  • Is upholstery damage covered by car insurance?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.

Insurance policy coverages for a Ford Crown Victoria

Knowing the specifics of insurance aids in choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on most insurance policies.

Medical expense insurance

Med pay and PIP coverage kick in for bills such as nursing services, prosthetic devices and dental work. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants as well as being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as hail damage, falling objects, a tree branch falling on your vehicle, theft and hitting a bird. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverage

Collision insurance pays for damage to your Crown Victoria resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as colliding with another moving vehicle, crashing into a building and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to save money on collision insurance.

Auto liability insurance

This protects you from injuries or damage you cause to people or other property that is your fault. It protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 that means you have 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. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as emergency aid, repair costs for stationary objects and loss of income. How much liability should you purchase? That is a decision to put some thought into, but consider buying as much as you can afford.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as damage to your Ford Crown Victoria.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Usually the UM/UIM limits do not exceed the liability coverage limits.

Saving money makes a lot of cents

More affordable auto insurance is possible from both online companies as well as from insurance agents, so you need to shop auto insurance with both in order to have the best price selection to choose from. Some insurance companies may not provide rates over the internet and most of the time these regional insurance providers prefer to sell through independent agents.

As you go through the steps to switch your coverage, don’t be tempted to buy lower coverage limits just to save a few bucks. There are too many instances where someone sacrificed collision coverage only to find out that their decision to reduce coverage ended up costing them more. Your focus should be to purchase plenty of coverage for the lowest cost, but do not skimp to save money.

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