View 1999 Ford Crown Victoria Insurance Cost

Nobody looks forward to buying insurance, especially when they could get a better deal.

Consumers have many car insurance companies to buy insurance from, and although it’s nice to have multiple companies, more choices can make it harder to find a good deal.

It’s a good habit to get comparison quotes as often as possible because rates are constantly changing. Even if you got the lowest rate for Crown Victoria coverage a few years ago you can probably find a better price now. Ignore everything you know about insurance because I’m going to let you in on the secrets to how to quote online to buy cheaper insurance.

Finding the best rates is easy if you know what you’re doing. Just about every driver who has to buy insurance will more than likely be able to find lower rates. But vehicle owners need to learn the way insurance companies price insurance differently and use this information to your advantage.

Insurance premium influencing factors

One of the most helpful ways to save on car insurance is to to have a grasp of some of the things that are used to determine the rates you pay for car insurance. When you know what positively or negatively impacts premium levels, this enables you to make decisions that may result in cheaper rates. Many things are used when premium rates are determined. Some are obvious such as traffic violations, although some other factors are not as apparent such as whether you are married or your vehicle rating.

• Responsible credit saves on car insurance – Having a bad credit history is likely to be a major factor in determining your rates. So if your credit score can be improved, you could save money insuring your 1999 Ford Crown Victoria by taking the time to improve your credit score. People with very high credit ratings tend to be less risk to insure than drivers who have worse credit.
• Low physical damage deductibles mean high premiums – Physical damage deductibles tell how much you are required to pay if a covered claim is submitted. Physical damage protection, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Examples of some claims that would be covered are a windshield broken by a bird, collision with a deer, and having a roll-over accident. The more you have to pay, the lower your rates will be for Crown Victoria coverage.
• Liability claims can be big – Your car insurance policy’s liability coverage kicks in in the event that you are ruled to be at fault for an accident. Your policy’s liability insurance provides legal defense up to the limits shown on your policy. Liability insurance is pretty cheap as compared to coverage for physical damage, so insureds should have plenty of protection for their assets.
• Employer can influence rates – Did you know your career choice can influence rates? Careers like lawyers, executives and dentists usually pay higher rates than average in part from high stress levels and incredibly demanding work hours. On the flip side, occupations like professors, students and the unemployed pay the least for Crown Victoria coverage.
• Premiums drop with age – Inexperience drivers are statistically proven to be inattentive with other occupants in the car so car insurance rates are higher. Parents adding a first-time driver onto a policy can break the bank. More mature drivers tend to be more responsible, are lower risk to insure , and usually have better credit.
• Big cities mean more claims – Having an address in a small town is a good thing when insuring your vehicles. Residents of big cities regularly have more road rage incidents and much longer commute distances. Fewer drivers on the road translates into fewer accident claims and lower theft and vandalism rates.
• Pay more by driving carelessly – Having just one citation can increase the cost of insurance twenty percent or more. Drivers who don’t get tickets pay less for auto insurance compared to drivers with tickets. Drivers who have flagrant violations such as DUI, reckless driving or excessive speeding may be required to complete a SR-22 to the state department of motor vehicles in order to legally drive.
• Single drivers take more risk – Your spouse may save some money on your car insurance policy. Having a spouse means you’re more stable financially and insurance companies reward insureds because married couples file fewer claims.

Discounts can really help lower premiums

Some providers don’t necessarily list every possible discount very clearly, so the following is a list of a few of the more well known and the harder-to-find discounts that may be available.

• Mature Driver Discount – Drivers that qualify as senior citizens may be able to get a discount up to 10% for Crown Victoria coverage.
• Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use their safety belts can save 10% or more off PIP or medical payments premium.
• Discounts for Multiple Vehicles – Drivers who insure primary and secondary vehicles on the same insurance coverage policy may reduce the rate for each vehicle.
• Driver Safety – Completing a defensive driver course can save you 5% or more depending on where you live.
• Discount for Life Insurance – If the company offers life insurance, you could get a discount if you purchase auto and life insurance together.
• Discounts for Safe Drivers – Insureds without accidents may save up to 50% more for Crown Victoria coverage than drivers with accidents.

Policy discounts save money, but most credits do not apply to your bottom line cost. Some only apply to individual premiums such as collision or personal injury protection. So even though you would think you would end up receiving a 100% discount, nobody gets a free ride.

Large insurance coverage companies and the discounts they provide are shown below.

• Travelers may include discounts for payment discounts, hybrid/electric vehicle, continuous insurance, IntelliDrive, good student, and multi-car.
• 21st Century may offer discounts for homeowners, good student, driver training, anti-lock brakes, and student driver.
• State Farm has savings for multiple autos, driver’s education, accident-free, Drive Safe & Save, and good driver.
• Geico offers premium reductions for seat belt use, federal employee, military active duty, emergency military deployment, and multi-policy.
• SAFECO policyholders can earn discounts including anti-lock brakes, safe driver, teen safety rewards, drive less, accident prevention training, anti-theft, and teen safe driver.
• AAA has discounts for pay-in-full, multi-car, good student, anti-theft, education and occupation, good driver, and AAA membership discount.

When comparing rates, check with every prospective company how many discounts you can get. A few discounts may not be offered in your area. For a list of insurance companies who offer online insurance coverage quotes, click here to view.

Will just any policy work for me?

When it comes to choosing proper insurance coverage for your vehicles, there really is no single plan that fits everyone. Everyone’s situation is a little different so this has to be addressed. These are some specific questions might help in determining whether or not you could use an agent’s help.

• Does having multiple vehicles earn me a discount?
• Am I insured when driving a different vehicle?
• Do I need roadside assistance coverage?
• Is my 1999 Ford Crown Victoria covered for flood damage?
• Does car insurance cover theft of personal property?
• Why do I only qualify for high-risk insurance?
• Is my camper covered by my car insurance policy?
• Do I have coverage when using my vehicle for my home business?
• Are there companies who specialize in insuring high-risk drivers?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Coverage specifics

Having a good grasp of a car insurance policy can be of help when determining the best coverages for your vehicles. Car insurance terms can be ambiguous and nobody wants to actually read their policy. Below you’ll find typical coverages available from car insurance companies.

Auto liability

Liability coverage can cover damage that occurs to people or other property. It protects YOU from claims by other people, and does not provide coverage for 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. As an example, you may have liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims such as emergency aid, repair bills for other people’s vehicles and funeral expenses. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

Collision insurance

This coverage pays to fix your vehicle from damage from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as sustaining damage from a pot hole, backing into a parked car, hitting a parking meter, driving through your garage door and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like EMT expenses, nursing services, chiropractic care and X-ray expenses. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Ford Crown Victoria.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive insurance

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like falling objects, rock chips in glass, damage from flooding, damage from a tornado or hurricane and a tree branch falling on your vehicle. The most you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Make an honest buck

Lower-priced 1999 Ford Crown Victoria insurance is available from both online companies as well as from independent agents, so you need to quote auto insurance with both in order to have the best price selection to choose from. Some insurance companies may not offer the ability to get a quote online and these small insurance companies only sell through independent agents.

We just covered quite a bit of information on how to lower your 1999 Ford Crown Victoria insurance premium rates. The key thing to remember is the more companies you get prices for, the better your chances of lowering your prices. Consumers could even find that the lowest priced car insurance comes from some of the smallest insurance companies. Regional companies can often insure niche markets at a lower cost than the large multi-state companies such as Allstate, Geico and Progressive.

Much more information about car insurance is located at these links:

• Collision Coverage (Liberty Mutual)
• Vehicle Insurance (Wikipedia)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• Young Drivers: The High Risk Years Video (iihs.org)
• Speed and Speed Limit FAQ (iihs.org)