2001 Ford Crown Victoria Insurance Quotes – 6 Ways to Save

Searching for cheaper car insurance rates for your Ford Crown Victoria? There isn’t a single person who enjoys paying for car insurance, especially knowing it costs too dang much. Many auto insurance companies vie for your insurance dollar, so it can be very hard to choose a insurer and get the best coverage at the lowest cost out there.

You need to price shop coverage yearly due to the fact that insurance prices are adjusted regularly by insurance companies. If you had the best rate for Crown Victoria coverage a year ago you can probably find a lower rate today. Forget all the misinformation about car insurance because you’re about to learn the best way to save money, get proper deductibles and limits, all at the lowest rate.

If you have a current auto insurance policy or need new coverage, you can use these tips to find the best rates while maintaining coverages. Finding affordable coverage is not that difficult. Drivers only need to know the best way to compare company rates over the internet.

How to get free auto insurance quotes online

All major auto insurance companies provide price estimates on their websites. The process doesn’t take much effort because it’s just a matter of typing in your coverage information into the quote form. When the form is submitted, the quote system pulls credit information and your driving record and returns a price based on many factors. Online price estimates makes comparing rates easy, but the time it takes to visit each company’s website and repetitively fill out multiple forms can be a bit repetitive. Unfortunately, it is important to get many rate quotes in order to find a lower rate.

There is a better way to compare rates

A less time-consuming method to locate the lowest prices requires only one form that analyzes rates from multiple companies. The form is fast, helps eliminate reptitive entry, and makes online quotes a lot less work. As soon as the form is sent, it is quoted and you can choose any one of the quote results.

If the quotes result in lower rates, you simply finish the application and buy the new coverage. The entire process takes less than 15 minutes and you will find out if you’re overpaying now.

If you want to fill out one form to compare multiple rates now, click here to open in new window and enter your vehicle and coverage information. If you have a policy now, it’s recommended you duplicate coverages and limits exactly as shown on your declarations page. This guarantees you are getting comparison quotes for similar coverage.

These six discounts can slash car insurance rates

Car insurance is expensive, but you may find discounts to reduce the price significantly. A few discounts will be applied at quote time, but lesser-known reductions have to be asked about before being credited.

• Sign Online – A few larger online companies will give a small break for completing your application on your computer.
• Anti-lock Brake System – Cars, trucks, and SUVs that have steering control and anti-lock brakes can avoid accidents and earn discounts up to 10%.
• Early Payment Discounts – By making one initial payment instead of making monthly payments you may have a lower total premium amount.
• Fewer Miles Equal More Savings – Low annual miles may allow you to get lower rates due to less chance of an accident.
• Good Student – Maintaining excellent grades may save you up to 25%. Earning this discount can benefit you up to age 25.
• Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% for Crown Victoria coverage compared to accident prone drivers.

Don’t be shocked that most credits do not apply to your bottom line cost. The majority will only reduce individual premiums such as liability and collision coverage. Despite the fact that it seems like all the discounts add up to a free policy, companies don’t profit that way.

Larger car insurance companies and a selection of discounts can be read below.

• Progressive may offer discounts for continuous coverage, homeowner, online quote discount, multi-policy, and good student.
• SAFECO discounts include accident prevention training, safe driver, homeowner, teen safety rewards, and drive less.
• American Family includes discounts for accident-free, TimeAway discount, multi-vehicle, air bags, good driver, and early bird.
• MetLife has discounts for claim-free, multi-policy, accident-free, good student, defensive driver, good driver
• Geico has savings for air bags, five-year accident-free, defensive driver, anti-lock brakes, membership and employees, and multi-policy.
• The Hartford may include discounts for vehicle fuel type, bundle, defensive driver, good student, anti-theft, and air bag.

If you want affordable car insurance quotes, ask every prospective company which discounts they offer. Some discounts may not be offered in your state. To see companies that offer some of these discounts, click here.

When do I need an agent’s advice?

When buying the best insurance coverage for your personal vehicles, there is no one size fits all plan. Every insured’s situation is different and a cookie cutter policy won’t apply. For example, these questions could help you determine if your insurance needs would benefit from professional advice.

• Am I covered when driving on a suspended license?
• Is my nanny covered when driving my vehicle?
• Do I have any recourse if my insurance company denies a claim?
• Why do I need rental car insurance?
• Why am I be forced to buy a membership to get insurance from some companies?
• Does my insurance cover my expensive audio equipment?
• How can I get high-risk coverage after a DUI?
• Will I lose any money if I cancel my policy before it expires?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Insurance coverages 101

Knowing the specifics of your insurance policy can help you determine appropriate coverage for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Shown next are the normal coverages found on most insurance policies.

Collision coverage – This covers damage to your Crown Victoria caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as damaging your car on a curb, sideswiping another vehicle and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Liability car insurance – This provides protection from damage that occurs to other’s property or people by causing an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims like loss of income, legal defense fees, repair costs for stationary objects and pain and suffering. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical expense insurance – Med pay and PIP coverage kick in for expenses for things like ambulance fees, nursing services, hospital visits, EMT expenses and pain medications. They can be used to fill the gap from your health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Comprehensive (Other than Collision) – This covers 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 protects against claims like a tree branch falling on your vehicle, falling objects, hitting a bird, hitting a deer and damage from getting keyed. The maximum amount your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Most of the time these limits do not exceed the liability coverage limits.

A penny earned…

As you go through the steps to switch your coverage, it’s a bad idea to skimp on coverage in order to save money. In many cases, an insured dropped physical damage coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your aim should be to find the BEST coverage at the best price while still protecting your assets.

Low-cost 2001 Ford Crown Victoria insurance is attainable both online and also from your neighborhood agents, so you need to quote car insurance with both to get a complete price analysis. Some insurance coverage companies do not offer online quoting and usually these small, regional companies work with independent insurance agents.

For more information, feel free to browse these articles:

• Shopping for a Safe Car (Insurance Information Insitute)
• Insurance Losses by Make and Model (iihs.org)
• Your Car has been Stolen: Now What? (Allstate)
• How to Avoid Buying a Flooded Car (Insurance Information Insitute)