Compare 1997 Ford Crown Victoria Insurance Rates

Looking for cheaper car insurance rates for your Ford Crown Victoria? No car owner likes having to buy car insurance, especially knowing the cost is too high. Big companies like Progressive, Geico and Farmers Insurance continually hit you with ad campaigns and it is challenging if not impossible to separate fact from fiction and do the work needed to find the best deal.

Cheap insurance price quotes online

Performing a rate comparison can be challenging if you don’t utilize the most efficient way. You can spend countless hours talking to insurance companies in your area, or you could use online quotes to maximize your effort.

The majority of car insurance companies participate in a marketplace where prospective buyers send in one quote, and at least one company provides a quote based on that information. This prevents consumers from doing repetitive form submissions for each company you want a rate for.

To use this form to compare rates click here (opens in new window).

The only downside to comparing rates this way is you can’t choose the providers you want to price. So if you want to select specific providers to receive pricing from, we have assembled a list of insurance companies in your area. Click here for list of insurance companies.

The method you choose is up to you, but be sure to compare identical coverage data on every price quote you get. If you are comparing unequal deductibles or liability limits it’s impossible to truly determine the lowest rate.

Don’t listen to company ads

Consumers constantly see and hear ads that claim the best prices by companies like State Farm and Allstate. All the companies advertise claims that you’ll save big just by switching your insurance policy to them.

How does every company save you money? This is the trick they use.

Different companies look for specific characteristics for a prospective insured that makes them money. A good example of a profitable customer could be between 30 and 50, has no claims, and drives newer vehicles. Any customer who fits those characteristics receive the lowest rate quotes and will cut their rates substantially.

Potential customers who do not meet these stringent criteria will be charged a higher rate which usually ends up with business not being written. If you pay close attention to the ads, they say “customers who switch” not “everyone that quotes” save that much when switching. That’s the way companies can truthfully make it sound like they have such great car insurance rates.

Because every company is different, you need to get price quotes at each policy renewal. It is just not possible to predict which company will fit your personal profile best.

How you can control Ford Crown Victoria insurance prices

Lots of factors are used in the calculation when you get a price on insurance. A few of the factors are predictable such as traffic violations, but some are not quite as obvious such as your marital status or your vehicle rating.

• Theft deterrents lower prices – Choosing to buy a car with an alarm system can help bring down rates. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help stop your vehicle from being stolen.
• When should you not file a policy claims? – Companies award the lowest premiums to drivers who file claims infrequently. If you are the type of insured that files lots of claims you can definitely plan on increased rates or even have your policy non-renewed. Your car insurance is intended to be relied upon for major claims that would cause financial hardship.
• Lower rates for cars with good safety ratings – Safer cars tend to be cheaper to insure. Highly rated vehicles reduce injuries and better occupant protection translates into savings for insurance companies which can mean better rates for you. If your Ford has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may be receiving a better rate.
• Bad credit hurts insurance premiums – Your credit history can be an important factor in determining what you pay. People with good credit tend to be more responsible than those with bad credit. If your credit history is not that good, you could pay less to insure your 1997 Ford Crown Victoria by repairing your credit.
• Rates for men may be higher – The statistics show women tend to be less risk to insure than men. This data doesn’t prove that males are worse at driving than females. They both tend to get into fender benders at about the same rate, but men cause more damage. They also get higher numbers of serious violations such as DWI and reckless driving. Males from age 16 to 21 are most likely to cause an accident and therefore pay the highest rates.
• Big city or small town – Choosing to live in a rural area is a positive aspect if you are looking for the lowest rates. Lower population translates into fewer accident claims and also fewer theft and vandalism claims. People who live in big cities have more aggressive driving styles and higher rates of accident claims. Longer commute distances means more chances of being involved in an auto accident.

Insurance companies offer many types of discounts

Companies don’t always list every disount available very well, so the list below gives a summary of both the well known in addition to some of the lesser obvious credits that may apply to you. If you check and find you aren’t receiving every discount possible, you are just wasting money.

• Discounts for Multiple Vehicles – Buying a policy with several vehicles with the same insurance company may reduce the rate for each vehicle.
• Employee of Federal Government – Employees or retirees of the government could cut as much as 10% off on Crown Victoria coverage with certain companies.
• Bundle and Save – If you have multiple policies and insure them both with the same insurance company you may save at least 10 to 15 percent or more.
• Anti-theft Discount – Vehicles that have factory anti-theft systems are less likely to be stolen and qualify for as much as a 10% discount.
• Memberships – Belonging to certain professional organizations could earn you a nice discount when getting a car insurance quote.
• Life Insurance Discount – If the company offers life insurance, you could get a small discount if you purchase auto and life insurance together.
• Own a Home and Save – Owning a home can earn you a little savings because maintaining a house is proof that your finances are in order.
• Discounts for Cautious Drivers – Drivers without accidents can get discounts for up to 45% lower rates on Crown Victoria coverage than their less cautious counterparts.
• Pay Now and Pay Less – If you pay your entire premium ahead of time instead of making monthly payments you can avoid monthly service charges.

You should keep in mind that most discount credits are not given to the entire cost. Most only reduce specific coverage prices like medical payments or collision. Despite the appearance that you would end up receiving a 100% discount, you aren’t that lucky.

A list of companies and some of the premium reductions they offer are detailed below.

• Geico offers premium reductions for anti-theft, multi-policy, multi-vehicle, defensive driver, and anti-lock brakes.
• USAA may have discounts that include military installation, new vehicle, vehicle storage, defensive driver, and multi-vehicle.
• Progressive has savings for online quote discount, homeowner, multi-vehicle, good student, and continuous coverage.
• American Family includes discounts for good student, accident-free, mySafetyValet, TimeAway discount, and air bags.
• Esurance offers discounts including anti-theft, defensive driver, multi-policy, paid-in-full, Switch & Save, and Pac-12 alumni.
• Farmers Insurance has discounts for homeowner, bundle discounts, distant student, alternative fuel, and electronic funds transfer.
• State Farm policyholders can earn discounts including passive restraint, Drive Safe & Save, accident-free, anti-theft, good driver, Steer Clear safe driver discount, and defensive driving training.

Double check with each company the best way to save money. A few discounts may not apply to policies in your area. To locate companies that offer the discounts shown above, follow this link.

Do I just need basic coverages?

When choosing the best auto insurance coverage for your vehicles, there really is not a best way to insure your cars. Everyone’s situation is unique so this has to be addressed. These are some specific questions can help discover whether you would benefit from professional advice.

• Do I benefit by insuring my home with the same company?
• Is my state a no-fault state?
• Can my teen drive my company car?
• I don’t drive much so do I pay less?
• What vehicles should carry emergency assistance coverage?
• Is my cargo covered for damage or theft?
• Am I covered if my car is in a flood?
• Why does it cost so much to insure a teen driver?
• Do I have coverage when pulling a U-Haul trailer?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.

Coverage specifics

Knowing the specifics of your policy aids in choosing appropriate coverage and proper limits and deductibles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types found on the average insurance policy.

Collision coverage

This will pay to fix damage to your Crown Victoria resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as colliding with another moving vehicle, damaging your car on a curb and crashing into a ditch. This coverage can be expensive, so you might think about dropping it from older vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Liability car insurance

Liability insurance can cover damage that occurs to a person or their property in an accident. It protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Occasionally you may see a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like emergency aid, repair costs for stationary objects, medical expenses and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but consider buying as large an amount as possible.

UM/UIM Coverage

Your UM/UIM coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 1997 Ford Crown Victoria.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea. Normally these coverages do not exceed the liability coverage limits.

Medical costs insurance

Med pay and PIP coverage provide coverage for short-term medical expenses for things like X-ray expenses, funeral costs and dental work. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like hitting a bird, falling objects, a tree branch falling on your vehicle and hail damage. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Buy online or local, you save

Low-cost 1997 Ford Crown Victoria insurance is attainable on the web and also from your neighborhood agents, and you should compare price quotes from both in order to have the best chance of saving money. A few companies do not offer rate quotes online and usually these smaller providers prefer to sell through independent insurance agencies.

In this article, we covered some good ideas how to lower your 1997 Ford Crown Victoria insurance car insurance rates. The most important thing to understand is the more providers you compare, the better your comparison will be. Consumers could even find that the best price on insurance coverage is with some of the smallest insurance companies. They may only write in your state and offer lower premium rates compared to the large companies like Progressive and Geico.

For more information, link through to the resources below:

• Side Impact Crash Tests (iihs.org)
• Understanding Rental Car Insurance (Insurance Information Insitute)
• Crash Avoidance Technologies FAQ (iihs.org)
• Distracted Driving Extends Beyond Texting (State Farm)
• How to Avoid Staged Accidents (State Farm)