Feel like you’re a prisoner to an underperforming, overpriced car insurance policy? Trust us, many consumers are feeling buyer’s remorse and feel like there’s no way out. Many car insurance companies compete for your hard-earned dollar, so it’s not easy to compare every insurer and get the best coverage at the best rate
Smart consumers take time to check car insurance prices occasionally because car insurance prices are rarely the same from one policy term to another. Just because you found the best rate for Crown Victoria coverage on your last policy you can probably find a better premium rate now. You can find a lot of information about car insurance online but you can learn some of the best techniques to save money.
If you have a current auto insurance policy or are shopping for new coverage, you can follow these tips to reduce the price you pay while maintaining coverages. Choosing the best insurance company for you is easy if you know what you’re doing. Drivers only need an understanding of the tricks to shop their coverage around on the web.
Cutting your insurance coverage rates is pretty simple and can save money. All you need to do is take a couple of minutes comparing rate quotes provided by online insurance companies. Rate comparisons can be done using a couple different methods.
For a list of companies in your area, click here.
It doesn’t matter which method you choose, just ensure you are comparing equivalent coverage data for each price quote. If you have different deductibles it’s impossible to make a fair comparison for your Ford Crown Victoria.
Insurance is not inexpensive, but you may find discounts that can drop the cost substantially. Many discounts should be triggered at the time of purchase, but some may not be applied and must be manually applied in order for you to get them.
Keep in mind that many deductions do not apply to the overall cost of the policy. Most only apply to specific coverage prices like medical payments or collision. If you do the math and it seems like you can get free auto insurance, that’s just not realistic.
The best insurance companies and the discounts they provide are included below.
If you are trying to find cheaper auto insurance quotes, ask each company or agent which discounts you may be entitled to. Depending on the company, some discounts may not be offered in your state. To view insurers with the best discounts, click here to view.
When it comes to buying proper insurance coverage for your vehicles, there is no “best” method to buy coverage. Each situation is unique so your insurance needs to address that. These are some specific questions can help discover if your insurance needs could use an agent’s help.
If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.
Learning about specific coverages of your insurance policy can be of help when determining which coverages you need for your vehicles. Policy terminology can be confusing and nobody wants to actually read their policy. Below you’ll find the normal coverages available from insurance companies.
Liability coverage – This protects you from damage or injury you incur to other’s property or people. This insurance protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000.
Liability coverage protects against claims such as medical services, repair costs for stationary objects and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but buy as high a limit as you can afford.
Collision coverage – Collision insurance will pay to fix damage to your Crown Victoria caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.
Collision insurance covers things like colliding with another moving vehicle, damaging your car on a curb, rolling your car, crashing into a ditch and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.
Coverage for medical expenses – Med pay and PIP coverage provide coverage for bills such as chiropractic care, X-ray expenses, rehabilitation expenses and pain medications. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to being hit by a car walking across the street. PIP is only offered in select states but can be used in place of medical payments coverage
Comprehensive insurance – This coverage covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage protects against things like hitting a deer, damage from flooding and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.
Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Ford Crown Victoria.
Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.