Cheap 2004 Ford Crown Victoria Insurance Cost

Shoppers have lots of choices when shopping for the best price on Ford Crown Victoria insurance. They can either spend hours driving around getting price quotes or save time using the internet to compare rates.

There is a better way to find auto insurance online and we’ll show you the absolute fastest way to price shop coverage on a Ford and locate the lowest price from local insurance agents and online providers.

Use discounts on insurance coverage

Insurance coverage is expensive, but you may be missing some discounts to help bring down the price. Certain discounts will be applied at the time of purchase, but occassionally some discounts must be asked for before you get the savings.

• Good Student – Being a good student can earn a discount of 20% or more. The discount lasts well after school through age 25.
• Cautious Driver Discount – Drivers without accidents can pay as much as 50% less on Crown Victoria insurance compared to rates paid by drivers with frequent claims.
• Employee of Federal Government – Employees or retirees of the government could qualify for a slight premium decrease on Crown Victoria insurance with some insurance coverage companies.
• College Student – who attend college more than 100 miles from home without a vehicle on campus may be able to be covered for less.
• Discount for Passive Restraints – Vehicles equipped with air bags or automatic seat belts can receive discounts of more than 20%.
• Use Seat Belts – Using a seat belt and requiring all passengers to wear their seat belts may be able to save a few bucks off the PIP or medical payment premium.
• Active Service Discounts – Being deployed with a military unit may lower your rates slightly.
• Bundle and Save – If you insure your home and vehicles with one company you could save 10% to 20% off each policy.
• Senior Citizen Discount – If you qualify as a senior citizen, you are able to get better insurance coverage rates on Crown Victoria insurance.

Just know that most credits do not apply to the entire policy premium. Most only reduce the cost of specific coverages such as collision or personal injury protection. So even though you would think you could get a free insurance coverage policy, you’re out of luck.

Some companies that may have some of the above discounts include:

• State Farm
• Geico
• Liberty Mutual
• The Hartford
• MetLife
• Progressive

If you need lower rates, check with every prospective company to apply every possible discount. Depending on the company, some discounts might not be offered on policies in your area. To see companies who offer discounts, click this link.

How much does car insurance cost?

There are several ways to compare car insurance quotes, but there is one way that is easier and takes less work. You can waste a few hours (or days) talking about coverages with local insurance agents in your area, or you could save time and use online quotes to get pricing more quickly.

Most major companies are enrolled in a marketplace that enables customers to send in one quote, and each company then returns a price quote based on the submitted data. This saves time by eliminating form submissions to each individual car insurance company.

To access this free quoting program, click here to open in new window.

The one disadvantage to doing it this way is buyers cannot specifically choose which insurance companies to get pricing from. If you would rather choose from a list of companies to receive pricing from, we have a page of low cost car insurance companies in your area. Click here to view list.

How you compare quotes is your choice, just ensure you’re using exactly the same coverage data on every price quote you get. If you compare mixed coverages it will be impossible to determine the best price for your Ford Crown Victoria.

Tailor your insurance coverage coverage to you

When it comes to choosing the right insurance coverage, there really is not a perfect coverage plan. Each situation is unique.

Here are some questions about coverages that might help in determining whether your personal situation would benefit from an agent’s advice.

• Am I insured when driving a different vehicle?
• Is my teen driver covered when they drive my company car?
• What vehicles should carry emergency assistance coverage?
• Do I need replacement cost coverage on my 2004 Ford Crown Victoria?
• How does medical payments coverage work?
• What is an SR-22 filing?
• Who is covered when they drive my 2004 Ford Crown Victoria?
• Can I make deliveries for my home business?
• Does my personal policy cover me when driving out-of-state?

If you don’t know the answers to these questions then you might want to talk to an agent. To find an agent in your area, complete this form. It is quick, free and may give you better protection.

Specific coverage details

Knowing the specifics of your insurance policy can help you determine which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Liability insurance – Liability coverage will cover damages or injuries you inflict on a person or their property by causing an accident. This insurance protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability insurance covers things like medical services, funeral expenses, structural damage and emergency aid. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Ford Crown Victoria.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive insurance – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, vandalism, hitting a deer and hitting a bird. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage kick in for immediate expenses such as pain medications, hospital visits, funeral costs, surgery and ambulance fees. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and may carry a deductible

Collision coverages – This covers damage to your Crown Victoria caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things such as sustaining damage from a pot hole, colliding with a tree and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Take this to the bank

Insureds change insurance companies for any number of reasons including being labeled a high risk driver, policy non-renewal, questionable increases in premium or even policy cancellation. Regardless of your reason, switching insurance companies can be easy and end up saving you some money.

When you buy auto insurance online, don’t be tempted to skimp on critical coverages to save a buck or two. There are a lot of situations where someone dropped physical damage coverage only to discover later that the few dollars in savings costed them thousands. Your goal is to buy enough coverage at the best cost but still have enough coverage for asset protection.

In this article, we presented quite a bit of information on how to reduce 2004 Ford Crown Victoria insurance car insurance rates online. The key concept to understand is the more price quotes you have, the better your comparison will be. You may even discover the best price on insurance is with a lesser-known regional company.

Additional detailed information can be read in the articles below:

• Medical Payments Coverage (Liberty Mutual)
• Auto Crash Statistics (Insurance Information Insitute)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• Five Mistakes to Avoid (Insurance Information Insitute)
• Prepare your Teens for Safe Driving (InsureUonline.org)