Compare 2008 Ford Crown Victoria Insurance Rates

Did you make the mistake of buying an overpriced insurance policy? It’s quite common and many drivers have buyer’s remorse.

There is such a variety of insurance companies to insure vehicles with, and even though it’s nice to have multiple companies, it can be more difficult to compare rates.

How to get affordable insurance

All major insurance companies like State Farm, Geico and Progressive give pricing on their websites. The process is fairly straightforward as you simply type in the amount of coverage you want as requested by the quote form. Upon sending the form, their quoting system collects your driving and credit reports and returns pricing information determined by many factors. Online quotes streamlines rate comparisons, but the time required to go to different websites and complete many quote forms gets old quite quickly. But it is imperative to perform this step if you want to find the lowest insurance rates.

Isn’t there an easier way to compare rates?

The easiest way to get multiple rate quotes makes use of a single form to return rates from several companies at one time. It saves time, helps eliminate reptitive entry, and makes online quotes much simpler. After sending the form, your coverage is rated and you are able to buy any of the price quotes you receive.

If a lower price is quoted, you simply finish the application and purchase the new policy. It takes just a few minutes to complete and you will find out if you’re overpaying now.

To fill out one form to compare multiple rates now, simply click here to open in new window and begin entering your coverage information. To compare your current rates, we recommend you replicate exactly as they are listed on your policy. Using the same limits helps guarantee you will get a fair comparison using the exact same coverages.

Cheap auto insurance rates with discounts

Auto insurance is not cheap nor is it fun to buy but there may be some discounts that may help make it more affordable. Certain credits will be shown at the time you complete a quote, but some need to be specifically requested in order for you to get them.

• First Accident Forgiveness – Not necessarily a discount, but companies like State Farm, Progressive and Geico will allow you to have one accident without the usual rate increase if you have no claims for a specific time period.
• Low Miles Discount – Low annual miles could be rewarded with cheaper prices.
• Theft Prevention Discount – Anti-theft and alarm system equipped vehicles can help prevent theft and qualify for as much as a 10% discount.
• Bundled Policy Discount – If you combine your home and auto policies with the same insurance company you will save over 10 percent off each policy depending on the company.
• Accident Free – Drivers with accident-free driving histories can earn big discounts as opposed to policyholders that have many claims.
• Smart Student Discounts – Getting good grades may save as much as 25% on a car insurance quote. The discount lasts up to age 25.
• Renewal Discounts – A few companies give discounts for buying a new policy before your current coverage expires. It could save around 10% when you buy car insurance online.
• Discount for Life Insurance – If the company offers life insurance, you could get a lower auto insurance rate if you buy a life insurance policy as well.
• Early Payment Discounts – If you pay your entire premium ahead of time rather than paying in monthly installments you may reduce your total bill.

You can save money using discounts, but most credits do not apply to your bottom line cost. Most only cut individual premiums such as physical damage coverage or medical payments. Even though the math looks like all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

A few of the larger companies and the discounts they provide are included below.

• Geico includes discounts for emergency military deployment, anti-lock brakes, military active duty, multi-policy, five-year accident-free, and federal employee.
• Auto-Owners Insurance discounts include anti-lock brakes, company car, paid in full, paperless, safe driver, and mature driver.
• American Family may include discounts for defensive driver, TimeAway discount, early bird, accident-free, mySafetyValet, and multi-vehicle.
• Esurance offers discounts including good driver, homeowner, online quote, DriveSense, paid-in-full, emergency road assistance, and Switch & Save.
• Progressive has savings for online quote discount, good student, multi-vehicle, online signing, continuous coverage, and homeowner.
• State Farm has discounts for Steer Clear safe driver discount, student away at school, passive restraint, multiple autos, and Drive Safe & Save.
• AAA policyholders can earn discounts including multi-car, anti-theft, multi-policy, AAA membership discount, good student, and good driver.

If you want cheaper car insurance quotes, ask all the companies what discounts are available to you. Savings might not be offered in your area.

Components of your Ford Crown Victoria insurance premiums

Multiple criteria are taken into consideration when pricing auto insurance. Some are obvious like your driving record, although some other factors are more transparent like your continuous coverage or how financially stable you are.The best way to find cheaper auto insurance is to take a look at the factors that are used to determine your policy premiums. When consumers understand what determines premiums, this empowers consumers to make smart changes that will entitle you to big savings.

• Lower rates with a multi-policy discount – Most major auto insurance companies will give better rates to people who have multiple policies with them in the form of a multi-policy discount. Even if you qualify for this discount already, it’s always a smart idea to compare other insurance prices to make sure you are getting the best deal. Consumers may find better rates even if you insure with multiple companies
• Allowing your auto insurance to lapse raises premiums – Having a gap between insurance policy dates is a quick way to increase your rates. In addition to paying higher rates, not being able to provide proof of insurance could result in fines or a revoked license. You may then have to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
• Women pay lower costs – Over the last 50 years, statistics have shown that men are more aggressive behind the wheel. That doesn’t necessarily mean that males are worse at driving than females. Both sexes are in at-fault accidents at a similar rate, but males tend to have higher claims. They also have more aggressive citations like reckless driving and DUI.
• Alarms and GPS tracking lower premiums – Purchasing a vehicle with a theft deterrent system can earn a premium discount. Theft deterrent systems such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help stop car theft.
• Don’t skimp on liability protection – Liability insurance kicks in if ever you are responsible for physical damage or personal injury to other. Liability provides legal defense up to the limits shown on your policy. This coverage is very inexpensive when compared with rates for comp and collision, so drivers should buy more than the minimum limits required by law.
• Driver age impacts prices – Older people have been proven to be more responsible, tend to file fewer claims and tend to be get fewer driving tickets.Beginning drivers are statistically shown to be less responsible behind the wheel so they pay higher auto insurance rates.
• Pay more if you have a long commute – Having an address in areas with lower population is a positive aspect when trying to find low car insurance rates. People who live in big cities have to deal with more auto accidents and longer commutes to work. Fewer people means reduced accidents and lower theft and vandalism rates.
• Avoid unnecessary incidental coverages – Insurance policies have a lot of extra coverages that you can buy but may not be useful. Coverage for things like vanishing deductibles, towing coverage, and Farm Bureau memberships may be wasting your money. They may sound like good ideas when you first buy your policy, but if you have no use for them remove them from your policy.

Tailor your insurance coverage to you

When it comes to buying coverage for your personal vehicles, there is no “best” method to buy coverage. Every situation is different so this has to be addressed. For example, these questions may help you determine whether your personal situation would benefit from an agent’s advice.

• Am I covered if I hit a deer?
• If my pet gets injured in an accident are they covered?
• Will filing a claim cost me more?
• Is other people’s property covered if stolen from my vehicle?
• How high should deductibles be on a 2008 Ford Crown Victoria?
• When does my teenage driver need to be added to my policy?
• Does my 2008 Ford Crown Victoria qualify for pleasure use?
• Do I need added coverage for expensive stereo equipment?
• Why is insurance for a teen driver so high?
• Is my state a no-fault state?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.

But the ad said I’d save 15% in 15 minutes!

Big name companies like State Farm, Geico and Progressive constantly bombard you with television and radio advertisements. All the ads try to convey promises that you can save if you change your insurance coverage policy to them. How does each company offer you a better deal? It’s all in the words they use.

All companies require specific criteria for the driver that will add to their bottom line. For instance, this type of risk profile might be described as over age 30, has no claims, and has great credit. Anyone that hits that “sweet spot” gets the lowest rates and therefore will cut their rates substantially.

Potential customers who don’t meet these standards will be quoted higher premium rates and the customer buying from a different company. The ads state “customers who switch” but not “all drivers who get quotes” can get the lowest rates when switching. That’s why insurance companies can claim big savings.

Because each company has a different risk profile, you need to compare free car insurance quotes often. It is impossible to guess which insurance coverage company will give you the biggest savings.

Coverages available on your policy

Understanding the coverages of your car insurance policy helps when choosing the right coverages for your vehicles. The terms used in a policy can be confusing and reading a policy is terribly boring. Below you’ll find typical coverages found on most car insurance policies.

Comprehensive coverages – This covers 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 pays for things like hitting a deer, rock chips in glass and theft. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for medical payments – Med pay and PIP coverage kick in for bills for hospital visits, surgery, prosthetic devices and X-ray expenses. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Auto liability – Liability insurance can cover injuries or damage you cause to a person or their property in an accident. This coverage protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as medical expenses, medical services, court costs, bail bonds and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford.

Collision – Collision coverage covers damage to your Crown Victoria resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like crashing into a ditch, hitting a parking meter, scraping a guard rail and colliding with a tree. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is very important. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Knowledge is power

We covered a lot of techniques to get a better price on 2008 Ford Crown Victoria insurance. The key concept to understand is the more companies you get rates for, the better chance you’ll have of finding cheap car insurance. Consumers may even find the best price on auto insurance is with an unexpected company. Regional companies can often provide lower rates in certain areas compared to the large companies like Allstate, Geico and Progressive.

Lower-priced 2008 Ford Crown Victoria insurance is possible from both online companies in addition to many insurance agents, and you should compare price quotes from both to have the best rate selection. There are still a few companies who may not have internet price quotes and these regional carriers only sell through local independent agencies.

While you’re price shopping online, make sure you don’t reduce needed coverages to save money. In many instances, an insured dropped liability limits or collision coverage only to find out they didn’t have enough coverage. Your goal is to buy a smart amount of coverage at an affordable rate and still be able to protect your assets.

More articles

• Your Car has been Stolen: Now What? (Allstate)
• Property Damage Coverage (Liberty Mutual)
• Alcohol Impaired Driving FAQ (iihs.org)
• Car Insurance FAQ (Trusted Choice)
• Tools for Teen Driving Safety (State Farm)