2011 Ford Crown Victoria Insurance Rates – 9 Discounts for Best Quotes

Looking for the cheapest car insurance rates for your Ford Crown Victoria? Finding the cheapest insurance for a Ford Crown Victoria could be a painful process, but you can learn a few tricks and make it easy.

There are both good and bad ways to shop for car insurance and we’ll show you the best way to price shop coverage for a new or used Ford and get the lowest possible price either online or from local insurance agents.

You should take the time to do price comparisons quite often because prices are rarely the same from one policy term to another. Even if you think you had the best deal for Crown Victoria insurance a couple years back you can probably find a better rate now. There is a lot of bad information regarding car insurance on the web, but in a few minutes you can learn some excellent ideas to find cheap car insurance.

Pricing the cheapest auto insurance coverage is simple if you know the tricks. If you have a current auto insurance policy or need a new policy, you will benefit by learning to cut your premiums while maximizing coverage. Vehicle owners just need to know the proper way to shop for auto insurance on the web.

How to buy insurance online

All the larger insurance companies like State Farm, Allstate and Geico allow consumers to get coverage prices directly from their websites. The process is quite easy because it’s just a matter of typing in the coverage amounts you desire as requested by the quote form. When complete, the quote system automatically orders information on your driving record and credit history and quotes a price based on the information you submitted.

Online price quotes makes comparing rates easy, but having to visit different websites and type in the same information is a big time waster. But it’s absolutely necessary to do this in order to get the best price possible.

Keep reading for an easier way to compare prices

A less time-consuming method to find better insurance pricing is to use a quote form that gets prices from multiple companies. This type of form saves time, requires much less work on your part, and makes online price comparison much easier. Once the form is submitted, it gets priced and you can choose any or none of the resulting price quotes.

If a lower price is quoted, you can simply submit the application and purchase coverage. The whole process can be completed in less than 10 minutes and may save quite a bit of money.

To compare rates now, click here and complete the simple form. If you have your current policy handy, we recommend you input the limits and deductibles identical to your current policy. Using the same limits helps guarantee you will be getting a fair comparison using the same coverage and limits.

Car insurance companies offer money-saving discounts

Insuring your fleet can be pricey, but there could be available discounts that you may not even be aware of. Many of these discounts will be applied automatically at the time of purchase, but occassionally some discounts must be asked about before you get the savings.

  • Low Mileage – Driving less could qualify for lower car insurancerates due to less chance of an accident.
  • Federal Employees – Being employed by or retired from a federal job could qualify for a slight premium decrease for Crown Victoria insurance with certain companies.
  • Clubs and Organizations – Being a member of specific professional or occupational memberships or organizations could qualify you for a break on your bill.
  • Policy Bundle Discount – If you can combine your homeowners and auto policy and insure them with the same company you may save 10% to 20% off each policy.
  • Early Renewal Discounts – Select larger companies give a discount for buying a new policy before your current coverage expires. It can save you around 10%.
  • Homeowners Pay Less – Owning a house may trigger a policy discount on car insurance since owning and maintaining a home is proof of financial responsibility.
  • Senior Discount – If you qualify as a senior citizen, you could receive better car insurance rates for Crown Victoria insurance.
  • Theft Prevention Discount – Cars that have factory anti-theft systems can help prevent theft and will save you 10% or more.
  • Driver Training Discounts – Successfully completing a course in defensive driver could save 5% or more and also improve your driving technique.

A little note about advertised discounts, some credits don’t apply to all coverage premiums. Some only apply to the price of certain insurance coverages like comp or med pay. So even though they make it sound like you could get a free car insurance policy, you’re out of luck.

Insurance companies that possibly offer these discounts may include but are not limited to:

When getting a coverage quote, ask every insurance company which discounts you may be entitled to. Some discounts listed above might not be offered in your area. To see a list of insurers who offer discounts, click here to view.

Do I just need basic coverages?

When choosing the right insurance coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is unique.

For instance, these questions might point out whether your personal situation will benefit from professional help.

  • Can I make deliveries for my home business?
  • I don’t drive much so do I pay less?
  • Where can I get insurance after a DUI in my state?
  • What can I do if my company denied a claim?
  • Is my ex-spouse still covered by my policy?
  • Am I covered if I wreck a rental car?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form. It’s fast, free and you can get the answers you need.

Insurance coverage specifics

Knowing the specifics of a insurance policy helps when choosing the right coverages and proper limits and deductibles. Insurance terms can be difficult to understand and nobody wants to actually read their policy.

Liability auto insurance – Liability coverage protects you from damage that occurs to other people or property. 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 commonly see liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for claims like emergency aid, bail bonds and funeral expenses. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.

Collision coverages – Collision coverage will pay to fix damage to your Crown Victoria resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims like sustaining damage from a pot hole, hitting a mailbox and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to choose a higher deductible to bring the cost down.

UM/UIM Coverage – This protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time these limits are set the same as your liablity limits.

Medical costs insurance – Med pay and PIP coverage kick in for short-term medical expenses like prosthetic devices, nursing services, doctor visits, chiropractic care and rehabilitation expenses. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision – This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as rock chips in glass, fire damage, damage from flooding and hail damage. The maximum amount your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.