1995 Ford Crown Victoria Car Insurance Quotes – 9 Tips for Cheapest Rates

Have you had enough of not being able to scrape enough together to buy insurance? You’re in the same situation as the majority of other vehicle owners.

Vehicle owners have many auto insurance companies to pick from, and although it’s nice to be able to choose, more choices can make it harder to compare rates.

More affordable rates with these nine insurance coverage discounts

Some insurance providers don’t necessarily list every policy discount in a way that’s easy to find, so the list below gives a summary of a few of the more well known and the more hidden savings tricks you should be using when you buy auto insurance online.

• Drive Less and Save – Keeping the miles down on your Ford may enable drivers to earn discounted premium rates on garaged vehicles.
• No Claim Discounts – Drivers who stay claim-free are rewarded with significantly better rates on auto insurance quote when compared with accident-prone drivers.
• Homeowners Savings – Just being a homeowner may trigger a policy discount on insurance coverage because maintaining a house demonstrates responsibility.
• Full Payment Discount – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save 5% or more.
• Multiple Cars – Purchasing coverage when you have all your vehicles with the same company can reduce rates for all insured vehicles.
• Passenger Safety Discount – Factory air bags can get savings of 25 to 30%.
• Service Members Pay Less – Being on active deployment in the military could trigger a small discount.
• Senior Citizens – Seniors could receive a slight reduction on a auto insurance quote on Crown Victoria insurance.
• Student Discounts – Performing well in school can be rewarded with saving of up to 25%. Most companies allow this discount until age 25.

Please keep in mind that most discounts do not apply to the entire cost. The majority will only reduce the cost of specific coverages such as liability and collision coverage. If you do the math and it seems like it’s possible to get free car insurance, companies wouldn’t make money that way.

A few companies that possibly offer many of the previously listed discounts are:

• State Farm
• Farmers Insurance
• Progressive
• Geico
• Auto-Owners Insurance
• The Hartford
• Farm Bureau
• USAA

Check with all the companies how you can save money. Some credits might not apply in your area.

Auto insurance can get complicated

When it comes to buying the right insurance coverage, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs and your policy should reflect that. For instance, these questions can aid in determining whether or not you may require specific advice.

• Should I sign the liability waiver when renting a car?
• How much underlying liability do I need for an umbrella policy?
• Will filing a claim cost me more?
• Do I pay less for low miles?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Do I need more liability coverage?
• What if I don’t agree with a claim settlement offer?
• Is there coverage for injuries to my pets?
• How does medical payments coverage work?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an agent. To find an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area.

Car insurance coverages 101

Understanding the coverages of your policy can be of help when determining the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverages found on most car insurance policies.

Collision coverage

This pays to fix your vehicle from damage resulting from colliding 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 can pay for claims such as sideswiping another vehicle, driving through your garage door, backing into a parked car and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Ford Crown Victoria.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Usually these coverages are identical to your policy’s liability coverage.

Liability coverages

Liability insurance protects you from damage that occurs to people or other property by causing an accident. It protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined limit which limits claims to one amount without having the split limit caps.

Liability coverage protects against things like court costs, emergency aid, structural damage and funeral expenses. How much coverage you buy is a decision to put some thought into, but you should buy higher limits if possible.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as theft, vandalism, hitting a deer, damage from getting keyed and falling objects. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like surgery, ambulance fees, prosthetic devices, EMT expenses and dental work. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Final considerations

Lower-priced car insurance is attainable online and from local insurance agents, and you need to price shop both to get a complete price analysis. A few companies may not offer the ability to get a quote online and most of the time these regional insurance providers only sell through independent agents.

We’ve covered some good ideas how you can compare 1995 Ford Crown Victoria insurance premium rates online. The key concept to understand is the more providers you compare, the better your comparison will be. You may even discover the lowest premium rates come from a small mutual company. Smaller companies often have lower prices on specific markets compared to the large companies like Geico and State Farm.

Additional car insurance information can be found on the following sites:

• Medical Payments Coverage (Liberty Mutual)
• A Tree Fell on Your Car: Now What? (Allstate)
• What is Full Coverage? (Allstate)
• Avoiding Deer Collisions (Insurance Information Insitute)
• Understanding Car Crashes Video (iihs.org)