View 2002 Ford Crown Victoria Insurance Quotes

Having to pay for expensive insurance can stress out your budget and put the squeeze on your family’s finances. Doing a rate analysis can be a smart way to reduce premiums and put more money in your pocket.

Big companies like State Farm, Progressive and Geico continually hit you with ads and it is challenging if not impossible to see through the deception and take the time to shop coverage around.

Get lower rates by taking advantage of discounts

Car insurance is neither fun to buy or cheap, but there are discounts available to help bring down the price. Certain discounts will be triggered automatically at the time of quoting, but a few must be requested specifically before they will apply.

• Professional Organizations – Participating in a qualifying organization may earn a discount when shopping for car insurance.
• Switch and Save Discount – Select larger companies give a discount for buying a new policy early. It’s a savings of about 10%.
• Distant College Student Discount – Older children who attend college more than 100 miles from home and won’t have access to an insured vehicle can receive lower rates.
• Save with More Vehicles Insured – Insuring all your vehicles with one company can get a discount on all vehicles.
• Senior Citizens – Older drivers can get a small discount on rates for Crown Victoria insurance.
• Save with a New Car – Insuring a new car can save you some money because newer vehicles keep occupants safer.

Keep in mind that most of the big mark downs will not be given the the whole policy. Some only apply to specific coverage prices like comprehensive or collision. Even though it may seem like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

If you would like to see a list of providers that offer multiple discounts, click this link.

Finding insurance coverage

Effectively comparing insurance coverage prices can take time and effort if you don’t utilize the fastest way to get free quotes. You can waste a few hours (or days) driving to insurance agencies in your area, or you could save time and use online quotes to get prices fast.

Most car insurance companies are enrolled in a marketplace that enables customers to submit one quote, and every company returns a rated price based on the submitted data. This prevents consumers from doing quote forms to every company. To find out how much you’re overpaying now click here to open in new window.

The one downside to pricing coverage this way is buyers cannot specifically choose the providers to receive prices from. So if you want to select from a list of companies to compare, we put together a list of low cost insurance coverage companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but double check that you are using identical coverages on every price quote you get. If your comparisons have different deductibles it’s not possible to truly determine the lowest rate. Slightly different coverages could skew the results. It’s important to know that obtaining a wide range of quotes helps you find the best price. Not every company allows you to get quotes online, so you also need to get price estimates from those companies as well.

How much auto insurance do I need?

When it comes to buying the best auto insurance coverage for your personal vehicles, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions might point out if your situation will benefit from professional help.

• Should I have combined single limit or split liability limits?
• If my pet gets injured in an accident are they covered?
• Will I be non-renewed for getting a DUI or other conviction?
• I have a DUI can I still get coverage?
• Is borrowed equipment or tools covered if stolen or damaged?
• Are rock chip repairs covered?
• Can I get a multi-policy discount?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Insurance coverage specifics

Knowing the specifics of your insurance policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring. Shown next are the normal coverages found on most insurance policies.

Comprehensive auto coverage – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as theft, vandalism and falling objects. The maximum amount your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverages – This covers damage to your Crown Victoria caused by collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as backing into a parked car, hitting a parking meter, sustaining damage from a pot hole and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible to bring the cost down.

Coverage for liability – Liability insurance can cover injuries or damage you cause to people or other property. This insurance protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability can pay for claims like emergency aid, loss of income, funeral expenses, medical expenses and structural damage. How much coverage you buy is your choice, but consider buying higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Ford Crown Victoria.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical payments and PIP coverage – Med pay and PIP coverage reimburse you for expenses such as pain medications, nursing services and rehabilitation expenses. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible

In Summary

As you quote car insurance, don’t be tempted to buy less coverage just to save a little money. There have been many situations where drivers have reduced liability coverage limits and learned later that the savings was not a smart move. Your strategy should be to get the best coverage possible at the best cost, but do not sacrifice coverage to save money.

The cheapest 2002 Ford Crown Victoria insurance is attainable on the web and also from your neighborhood agents, so you need to shop car insurance with both so you have a total pricing picture. There are still a few companies who do not provide price quotes online and many times these small, regional companies only sell coverage through independent insurance agencies.

More tips and info about insurance coverage can be read in the articles below:

• Teen Driving Statistics (iihs.org)
• Five Mistakes to Avoid (Insurance Information Insitute)
• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• Vehicle Insurance in the U.S. (Wikipedia)