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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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 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.
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.
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 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.
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.
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