1990 Ford LTD Crown Victoria Car Insurance Cost – 10 Tricks for Cheaper Prices

Looking for the cheapest insurance rates for your Ford LTD Crown Victoria? Have you had enough of sacrificing other expenses to pay insurance each month? You have the same problem as millions of other vehicle owners.

Many insurance companies compete to insure your vehicles, and it can be difficult to compare rates and get the definite best price available.

How to find cheap insurance

Shopping for lower insurance rates can be challenging if you don’t understand the most efficient way to do it. You can waste a lot of time driving to agents in your area, or you could save time and use the internet to get rates in a matter of minutes.

All the larger companies enroll in a system where insurance shoppers enter their coverage request one time, and each company returns a rated price determined by their information. This prevents consumers from doing quotation requests for every insurance company.

To participate in this free quote system, click here to start a free quote.

One minor caviat to using this type of form is buyers cannot specifically choose which insurance companies to get pricing from. So if you prefer to choose specific providers to compare, we have a page of insurance companies in your area. Click here for list of insurance companies.

You can choose any of those ways to find more affodable coverage, but do your best to use apples-to-apples information with every price quote. If each company quotes higher or lower deductibles you will not be able to find the best deal for your Ford LTD Crown Victoria. Just slight variations in coverage limits can result in a big premium difference. It’s important to know that comparing all the rates in your area helps improve the odds of finding the best offered rates.

Why you might not save $449 a year

Well-known auto insurance companies like State Farm, Geico and Progressive constantly bombard you with ads on TV and radio. They all seem to convey the message that you’ll save big just by switching your auto insurance coverage to their company. That’s great but how can every company make almost identical claims? This is the trick they use.

Most companies quote their best rates for the type of driver that is profitable for them. For instance, this type of driver might be described as between the ages of 30 and 50, has a low-risk occupation, and drives a lower-performance vehicle. Any customer that hits that “sweet spot” will get low premium rates and will probably save some money.

People who don’t measure up to this ideal profile will probably be forced to pay a higher premium with the end result being the customer buying from a different company. If you pay close attention to the ads, they say “drivers that switch” not “everybody who quotes” save that much when switching. This is how insurance companies can make those claims. Because of these techniques, you really should get price quotes at each policy renewal. Because you cannot predict which insurance companies will give you the biggest savings.

Find discounts to get cheap insurance coverage rates

Insurance coverage is not inexpensive, but there’s a good chance there are discounts that may help make it more affordable. Certain discounts will be triggered automatically at the time you complete a quote, but less common discounts must be specially asked for before you get the savings.

• Passive Restraints and Air Bags – Factory air bags or automatic seat belts may qualify for discounts up to 30%.
• Distant Student Discount – Kids who live away from home at college and don’t have a car could get you a discount.
• Auto/Life Discount – Not all companies offer life insurance, but some may give you a discount if you purchase life insurance.
• Seat Belt Discounts – Drivers who require all occupants to buckle up can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
• Telematics Devices – Insureds that choose to allow driving data submission to monitor where and when they drive by using a small device installed in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system might get better premium rates if they show good driving skills.
• Senior Citizens – If you’re over the age of 55, you are able to get reduced rates for LTD Crown Victoria insurance.
• Multiple Cars – Purchasing coverage when you have multiple cars on a single policy can get a discount for every vehicle.
• Low Mileage Discounts – Low mileage vehicles could earn cheaper insurance coveragerates.
• Discount for Swiching Early – A few companies give discounts for switching to them before your current policy expires. The savings is around 10%.
• Bundle and Save – When you combine your home and auto insurance with the same insurance company you could save 10% to 20% off each policy.

One last thing about discounts, most discounts do not apply to the overall cost of the policy. The majority will only reduce specific coverage prices like medical payments or collision. Despite the fact that it seems like having all the discounts means you get insurance for free, that’s just not realistic.

A few popular companies and their offered discounts are included below.

• Progressive discounts include multi-vehicle, homeowner, multi-policy, continuous coverage, online signing, and online quote discount.
• Farmers Insurance includes discounts for pay in full, bundle discounts, switch companies, homeowner, multi-car, and good student.
• Farm Bureau may offer discounts for multi-vehicle, youthful driver, 55 and retired, good student, and multi-policy.
• State Farm has savings for Steer Clear safe driver discount, defensive driving training, accident-free, Drive Safe & Save, multiple autos, driver’s education, and good student.
• Geico offers premium reductions for membership and employees, air bags, defensive driver, seat belt use, anti-theft, and multi-policy.
• SAFECO may have discounts that include drive less, safe driver, teen safe driver, teen safety rewards, anti-lock brakes, and multi-car.
• Liberty Mutual has discounts for good student, multi-policy, preferred payment discount, new vehicle discount, exclusive group savings, and hybrid vehicle.

When quoting, ask every company which discounts you may be entitled to. Some of the earlier mentioned discounts may not be available in your area. To choose insurance companies who offer online insurance coverage quotes, click here to view.

Tailor your insurance coverage to you

When it comes to buying adequate coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. These are some specific questions could help you determine whether you will benefit from professional help.

• Will I be non-renewed for getting a DUI or other conviction?
• Can I still get insurance after a DUI?
• Should I carry comprehensive and collision coverage?
• Am I covered when driving in Canada or Mexico?
• Is my vehicle covered by my employer’s policy when using it for work?
• How high should deductibles be on a 1990 Ford LTD Crown Victoria?
• Am I covered if I break a side mirror?
• Should I buy more coverage than the required minimum liability coverage?
• Does my insurance cover a custom paint job?
• Is my nanny covered when driving my vehicle?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

What auto insurance coverages do you need?

Learning about specific coverages of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring. Shown next are the normal coverages offered by auto insurance companies.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like hospital visits, dental work, prosthetic devices and funeral costs. They are used to fill the gap from 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 being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Auto collision coverage

This coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as crashing into a ditch, hitting a parking meter, scraping a guard rail and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection from other motorists when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Liability coverages

Liability coverage can cover damage or injury you incur to people or other property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for things such as attorney fees, repair costs for stationary objects, legal defense fees, pain and suffering and court costs. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as vandalism, a broken windshield, damage from flooding, damage from a tornado or hurricane and a tree branch falling on your vehicle. The maximum amount your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

In conclusion

When trying to cut insurance costs, make sure you don’t buy lower coverage limits just to save a few bucks. In many instances, an accident victim reduced liability coverage limits and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your aim should be to find the BEST coverage at the best cost, but don’t skip important coverages to save money.

Lower-priced 1990 Ford LTD Crown Victoria insurance is possible from both online companies in addition to local insurance agencies, and you should compare rates from both in order to have the best price selection to choose from. Some insurance providers do not offer the ability to get quotes online and many times these regional insurance providers sell through local independent agents.

Additional articles

• What to do at the Scene of an Accident (Insurance Information Insitute)
• Vehicle Safety Ratings (iihs.org)
• Understanding Limits and Deductibles (Allstate)
• Tools for Teen Driving Safety (State Farm)