2007 Ford Crown Victoria Insurance Cost

Searching for cheaper auto insurance rates for your Ford Crown Victoria? Nobody that owns a car anticipates paying for auto insurance, especially when they are aware that their premiums are through the roof. With so many companies and agents to choose from, it can be diffult for drivers to pick the right insurance company.

It’s a good idea to compare rates at least once a year since rates change frequently. Just because you found the best rate for Crown Victoria coverage a year ago there is a good chance you can find better prices now. Ignore everything you know about auto insurance because you’re about to learn the tricks you need to know to reduce your cost while improving coverage.

How to compare insurance quotes

Comparing insurance rates can take hours if you don’t understand the easiest way. You can waste hours discussing policy coverages with local insurance agents in your area, or you can stay home and use online quotes to get pricing more quickly.

The majority of car insurance companies take part in a program where prospective buyers submit one quote, and every company can give them a price. This prevents consumers from doing repetitive form submissions for each company you want a rate for.

To fill out one form to compare multiple rates now click here (opens in new window).

The one downside to comparing rates this way is that you can’t choose which companies you want pricing from. So if you prefer to choose from a list of companies to request quotes from, we have a page of companies who write insurance in your area. View list of insurance companies.

You can use whichever method you prefer to find lower rates, just double check that you are using exactly the same coverage limits with every price quote. If you compare unequal deductibles or liability limits it’s not possible to decipher which rate is best.

Auto insurance can be complex

When buying the right insurance coverage, there really is not a best way to insure your cars. Everyone’s needs are different so your insurance should reflect that Here are some questions about coverages that can help discover whether or not you would benefit from an agent’s advice.

• Which companies will insure high-risk drivers?
• Does my policy pay for OEM or aftermarket parts?
• Can my teen drive my company car?
• What is UM/UIM insurance?
• Is a new car covered when I drive it off the dealer lot?
• I have a DUI can I still get coverage?
• Should I waive the damage coverage when renting a car?
• How does medical payments coverage work?
• Is my custom paint covered by insurance?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.

Coverages available on your policy

Learning about specific coverages of your car insurance policy can help you determine appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on most car insurance policies.

Comprehensive protection – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things like theft, vandalism and a broken windshield. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Auto liability insurance – This protects you from damages or injuries you inflict on other’s property or people. This coverage protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability insurance covers things like funeral expenses, legal defense fees, repair costs for stationary objects, emergency aid and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as much as you can afford.

Medical expense coverage – Med pay and PIP coverage provide coverage for immediate expenses for things like surgery, dental work and rehabilitation expenses. They are utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay

Uninsured or underinsured coverage – This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Ford Crown Victoria.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Collision coverages – This coverage pays for damage to your Crown Victoria from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like scraping a guard rail, sideswiping another vehicle, hitting a mailbox, damaging your car on a curb and crashing into a ditch. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible in order to get cheaper collision rates.