Lower Your 1991 Ford LTD Crown Victoria Car Insurance Quotes

Want better insurance rates for your Ford LTD Crown Victoria? Trying to find better insurance prices for a Ford LTD Crown Victoria can turn out to be a painful process, but you can learn a few tricks and make it easy.

There are both good and bad ways to find insurance online and you need to know the best way to get price quotes for a new or used Ford and get the cheapest rates either online or from local insurance agents.

Smart consumers take time to quote other rates periodically due to the fact that insurance prices go up and down regularly. Just because you found the best rate on LTD Crown Victoria insurance two years ago a different company probably has better premium rates today. Ignore everything you know about insurance because you’re about to learn the fastest and easiest way to find great coverage at a great price.

Ways to get insurance rate quotes

Shopping for lower insurance rates can be a daunting task if you don’t know the most efficient way to do it. You can waste a lot of time driving to agents in your area, or you could use online quoting for quick rates.

Most of the larger companies belong to an insurance system where prospective buyers submit one quote, and every company returns a competitive quote for coverage. This eliminates the need for quote requests for every insurance company.

To access this free quoting program, click here (opens in new window).

The one downside to using this type of form is that you can’t choose the providers you want to price. So if you prefer to choose specific insurance companies to compare rates, we have assembled a list of companies who write insurance in your area. Click here for list of insurance companies.

However you get your quotes, make darn sure you compare exactly the same quote data for each price quote. If you compare different values for each quote it’s impossible to make a fair comparison for your Ford LTD Crown Victoria.

Affordable car insurance rates with discounts

Auto insurance companies do not list all possible discounts in an easy-to-find place, so we break down both the well known and also the lesser-known car insurance savings.

• Bundled Policy Discount – If you insure your home and vehicles and insure them with the same company they may give you a discount of approximately 10% to 15%.
• Save with a New Car – Adding a new car to your policy can save up to 30% because newer models keep occupants safer.
• Safety Restraint Discount – Requiring all passengers to wear their seat belts could save 15% off the PIP or medical payment premium.
• More Vehicles More Savings – Drivers who insure multiple cars with the same car insurance company could earn a price break for each car.
• Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts of up to 25% or more.
• Driver Education Discount – Cut your cost by having your teen driver take driver’s ed class as it will make them better drivers and lower rates.

Discounts lower rates, but most discount credits are not given the the whole policy. Most only reduce individual premiums such as comp or med pay. So even though it sounds like all the discounts add up to a free policy, you aren’t that lucky. Any qualifying discounts should help lower your car insurance premiums.

A list of car insurance companies and a partial list of their discounts are:

• Geico offers discounts for federal employee, anti-lock brakes, air bags, anti-theft, five-year accident-free, military active duty, and multi-vehicle.
• USAA may offer discounts for safe driver, good student, new vehicle, vehicle storage, and family discount.
• Progressive may have discounts that include homeowner, multi-vehicle, online quote discount, online signing, continuous coverage, and good student.
• American Family discounts include early bird, mySafetyValet, good student, defensive driver, bundled insurance, and Steer into Savings.
• Esurance may include discounts for online shopper, emergency road assistance, homeowner, safety device, and DriveSense.
• Farmers Insurance offers premium reductions for switch companies, pay in full, electronic funds transfer, mature driver, youthful driver, and business and professional.
• State Farm includes discounts for passive restraint, good student, Steer Clear safe driver discount, accident-free, driver’s education, and anti-theft.

Before buying, ask all companies you are considering which discounts they offer. All car insurance discounts might not apply everywhere. To find insurance companies that can offer you the previously mentioned discounts, click this link.

Informed consumers know how to find insurance more affordably

Lots of factors are used in the calculation when quoting car insurance. Some are pretty understandable such as traffic violations, but other factors are not as apparent such as your marital status or how financially stable you are.Consumers need to have an understanding of the rating factors that play a part in calculating the price you pay for insurance. If you know what impacts premium levels, this allows you to make good choices that may result in cheaper rates.

• Premiums impacted by vehicle usage – The more you drive every year the more it will cost to insure it. A lot of companies price each vehicle’s coverage based upon how much you drive. Cars that are left in the garage receive lower rates than vehicles that are driven to work every day. It’s a good idea to make sure your vehicle rating shows the right rating data. An improperly rated LTD Crown Victoria can cost quite a bit.
• Multiple policies with one company – The majority of insurance companies provide discounts to people who have multiple policies with them, otherwise known as a multi-policy discount. This can amount to ten percent or more. Even with this discount applied, you still need to compare rates to ensure the best deal. Consumers may save more without the discount even if you insure with multiple companies
• Deter theft and pay less – Choosing a vehicle with advanced anti-theft systems can help bring down rates. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help stop auto theft.
• Premiums are affected by your credit rating – Having a good credit score can be an important factor in determining premium rates. People with excellent credit tend to be more responsible and file fewer claims than those with worse credit. So if your credit history is not that good, you could save money insuring your 1991 Ford LTD Crown Victoria by improving your rating.
• Occupation can influence premiums – Occupational choices like doctors, executives and accountants tend to have the highest rates because of intense work situations and lots of time spent at work. On the other hand, professions such as professors, athletes and the unemployed pay the least on LTD Crown Victoria insurance.
• Pay more of a claim out-of-pocket – Protection for physical damage, termed comprehensive and collision coverage on your policy, covers your vehicle from damage. Some instances where coverage would apply are a windshield shattered by a rock, hail damage, and rolling your vehicle. The deductibles you choose represent how much money the insured will be required to pay if a claim is determined to be covered. The more damage repair cost you pay before a claim is paid (deductible), the less your company will charge you for insurance on LTD Crown Victoria insurance.
• Higher insurance rates for insurance lapses – Not maintaining insurance is a big no-no and any future policy may cost more because you let your coverage cancel without a new policy in place. In addition to paying higher premiums, being ticketed for driving with no insurance could result in fines or a revoked license. You may need to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.

Tailor your insurance coverage coverage to you

When it comes to buying coverage for your vehicles, there really is no cookie cutter policy. Everyone’s situation is unique.

These are some specific questions may help you determine whether you may require specific advice.

• When should I not file a claim?
• Should I have combined single limit or split liability limits?
• Am I insured when driving a different vehicle?
• Am I covered if I hit a deer?
• How many claims can I have before being cancelled?
• Does coverage extend to a rental car in a foreign country?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and can help protect your family.

Why you might not save $434 a year

Consumers constantly see and hear ads that promise big savings for switching by State Farm, Geico and Progressive. They all seem to advertise claims that drivers can save some big amount if you switch your auto insurance policy to them.

How is it possible that every company can make almost identical claims? It’s all in how they say it.

Different companies have a certain “appetite” for the right customer that will generate a profit. A good example of a profitable insured may be a married male, has never had a claim, and has a short commute. Anybody who matches that profile gets the lowest car insurance rates and therefore will save money with a new company.

Insureds who fall short of these criteria will get a higher premium and the customer not purchasing. The ads state “customers that switch” not “everyone that quotes” can save as much as they claim. This is how companies can truthfully advertise the way they do.

Because of this risk profiling, you really should compare as many free auto insurance quotes as you can. It’s just too difficult to predict which auto insurance company will provide the lowest premium rates.

Auto insurance 101

Having a good grasp of your policy can help you determine appropriate coverage and proper limits and deductibles. Car insurance terms can be difficult to understand and reading a policy is terribly boring.

Collision coverages – Collision insurance pays to fix your vehicle from damage resulting from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like colliding with another moving vehicle, damaging your car on a curb, hitting a mailbox, crashing into a ditch and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Liability – Liability coverage can cover damage that occurs to people or other property in an accident. It protects YOU against other people’s claims. It does not cover damage sustained by your vehicle 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. Your policy might show values of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability can pay for things such as bail bonds, structural damage and medical expenses. How much liability should you purchase? That is your choice, but buy as much as you can afford.

Comprehensive (Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as damage from flooding, rock chips in glass, a broken windshield and hail damage. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Protection from uninsured/underinsured drivers – This protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your 1991 Ford LTD Crown Victoria.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Medical expense insurance – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like hospital visits, prosthetic devices, doctor visits and X-ray expenses. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. PIP is not available in all states and may carry a deductible

In conclusion

More affordable car insurance is definitely available online in addition to local insurance agencies, so you should compare both to have the best selection. There are still a few companies who do not provide internet price quotes and these small insurance companies only sell coverage through independent agents.

As you prepare to switch companies, you should never buy less coverage just to save a little money. There have been many situations where consumers will sacrifice uninsured motorist or liability limits to discover at claim time they didn’t purchase enough coverage. Your aim should be to buy enough coverage at the lowest possible cost but still have enough coverage for asset protection.

You just read some good ideas how you can shop for 1991 Ford LTD Crown Victoria insurance online. It’s most important to understand that the more rate comparisons you have, the better your chances of lowering your rates. You may even discover the lowest prices come from a small local company.

Additional detailed information is located at these sites:

• Alcohol Impaired Driving FAQ (iihs.org)
• Teen Driving Statistics (Geico)
• Property Damage Coverage (Liberty Mutual)
• Vehicle Safety Ratings (iihs.org)
• What is Gap Insurance? (Insurance Information Insitute)
• Learn About Car Insurance (Geico)