View 2009 Ford Crown Victoria Insurance Quotes

Feeling guilty for buying overpriced insurance coverage? Don’t sweat it because there are a lot of people just like you who feel imprisoned by their insurance coverage policy.

Insurance companies such as Progressive, Geico and Farmers Insurance promote their brand names with catchy ads and consumers find it hard to not get sucked in by the cute commercials and find the best price available.

It’s smart to price shop coverage yearly since prices are usually higher with each renewal. Even if you think you had the lowest price for Crown Victoria insurance a couple years back other companies may now be cheaper. Block out anything you think you know about insurance coverage because we’re going to demonstrate the right way to get good coverage at a lower rate.

Insurance premiums are influenced by these factors

Smart consumers have a good feel for a few of the rating criteria that play a part in calculating the rates you pay for car insurance. If you understand what determines base rates, this enables informed choices that can earn you cheaper rates. Many different elements are part of the equation when you get your auto insurance bill. Some are obvious like your driving record, but other criteria are more transparent like your vehicle usage and annual miles driven.

The list below includes some of the items used by insurance companies to determine your rate level.

• Which gender costs less? – The statistics show that females tend to be a little less risky than males. This data doesn’t prove that men are worse drivers. Women and men cause auto accidents at about the same rate, but the men tend to have more serious accidents. Men also get cited for more serious violations like DUI and reckless driving.
• Single drivers take more risk – Being married may earn you lower rates on your car insurance bill. It translates into being more mature and insurance companies reward insureds because drivers who are married are more cautious.
• Defend yourself with liability protection – Liability coverage kicks in in the event that a court rules you are at fault for personal injury or accident damage. Liability provides for a legal defense which can be incredibly expensive. Liability insurance is pretty cheap compared to insuring for physical damage coverage, so do not skimp.
• How many coverages with the same company – Most major insurers allow better rates to buyers that have more than one policy such as combining an auto and homeowners policy. Even with this discount, drivers will still want to check prices from other companies to help ensure you have the lowest rates.
• Low credit score equals high rates – Credit rating will be a significant factor in determining what you pay. If your credit is not that good, you could save money insuring your 2009 Ford Crown Victoria by improving your credit score. Consumers who have good credit tend to be more responsible and file fewer claims than those with poor credit.
• Tickets mean higher premiums – Whether or not you get tickets has a big impact on rates. Only having one speeding ticket can boost insurance rates by as much as twenty percent. Drivers who don’t get tickets pay less for auto insurance than bad drivers. Drivers who have received careless violations such as DUI or reckless driving may need to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to continue driving.
• Alarms and GPS tracking systems cut rates – Buying a car with a theft deterrent system can earn a premium discount. Advanced theft deterrents such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all aid in stopping vehicle theft.
• Higher prices for car insurance policy lapses – Driving without insurance is a big no-no and your next policy will cost more because you let your coverage cancel without a new policy in place. Not only will you pay higher rates, not being able to provide proof of insurance could earn you a license revocation or jail time. You may need to file a SR-22 with your state department of motor vehicles.

How to buy car insurance

Many insurance companies such as Allstate and Progressive provide coverage prices on their websites. Getting online quotes is very simple as you just enter the coverages you want as requested by the quote form. After you submit the form their quoting system requests information on your driving record and credit history and quotes a price determined by many factors. This makes it easy to compare insurance prices but having to visit a lot of sites and fill out multiple forms gets old quite quickly. But it’s absolutely necessary to compare as many rates as possible in order to get the lowest possible prices on car insurance.

There is a better way!

The smarter way to compare rates is to use a quote form that obtains quotes from many companies. It saves time, requires much less work on your part, and makes price shopping online much simpler. After your information is entered, it is rated and you can select any of the resulting price quotes. If you find a better price you can simply submit the application and buy the policy. It can be completed in a matter of minutes and may save quite a bit of money.

If you want to compare rates now, click here and submit the form. If you have your current policy handy, we recommend you enter as shown on your current policy. This ensures you will get rate quotes based on identical coverages.

Are you receiving every discount?

Insurance can be prohibitively expensive, but discounts can save money and there are some available that could drop your premiums quite a bit. Certain reductions will be credited when you quote, but some must be inquired about in order for you to get them.

• Smart Student Discounts – Maintaining excellent grades can save 20 to 25%. You can use this discount normally up to age 25.
• Life Insurance Discount – Companies who offer life insurance give a discount if you purchase some life insurance too.
• Seat Belt Usage – Forcing all vehicle occupants to use a seat belt can save up to 15% on the medical payments or PIP coverage costs.
• Military Deployment Discount – Being on active duty in the military could qualify you for better prices.
• Renewal Discounts – Select insurance companies give a discount for buying a new policy prior to your current policy expiration. You could save around 10% when you buy insurance coverage online.
• Pay Early and Save – If you pay your entire premium ahead of time instead of making monthly payments you could save up to 5%.
• Homeowners Savings – Owning your own home or condo can earn you a little savings because it requires a higher level of personal finance.
• Anti-lock Brake Discount – Cars with ABS braking systems or traction control can reduce accidents so you can save 10 percent or more.
• Multi-policy Discount – If you can combine your auto and homeowners policy with the same company you could save approximately 10% to 15%.

Policy discounts save money, but some of the credits will not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like comp or med pay. Despite the fact that it seems like it’s possible to get free car insurance, companies don’t profit that way. Any qualifying discounts will definitely reduce the cost of your policy.

A list of auto insurance companies and some of the premium reductions they offer are detailed below.

• State Farm policyholders can earn discounts including good driver, driver’s education, multiple policy, defensive driving training, and student away at school.
• Progressive includes discounts for online quote discount, multi-policy, good student, online signing, continuous coverage, multi-vehicle, and homeowner.
• Progressive may include discounts for good student, online quote discount, multi-policy, multi-vehicle, homeowner, and online signing.
• MetLife offers discounts for accident-free, good student, defensive driver, multi-policy, claim-free, and good driver.
• Farm Bureau discounts include good student, youthful driver, multi-vehicle, safe driver, driver training, and multi-policy.
• Geico may offer discounts for driver training, multi-vehicle, defensive driver, anti-theft, federal employee, and emergency military deployment.
• SAFECO has discounts for safe driver, bundle discounts, multi-car, accident prevention training, drive less, teen safe driver, and anti-theft.

Before buying, ask all the companies which credits you are entitled to. Some credits might not be offered on policies in your area.

When in doubt talk to an agent

When buying adequate coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s situation is unique so this has to be addressed. For example, these questions may help highlight whether or not you may require specific advice.

• When can I cancel my policy?
• Are my tools covered if they get stolen from my vehicle?
• Do I pay less if my vehicle is kept in my garage?
• Do I need PIP (personal injury protection) coverage in my state?
• Why do I need rental car insurance?
• Am I covered when pulling a rental trailer?
• How do I insure my teen driver?
• Am I covered when delivering products for my home-based business?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area.

The coverage is in the details

Knowing the specifics of your auto insurance policy can help you determine appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. These are the usual coverages available from auto insurance companies.

Medical payments and PIP coverage – Med pay and PIP coverage reimburse you for immediate expenses like prosthetic devices, dental work and chiropractic care. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Collision coverage – This coverage pays to fix your vehicle from damage caused by collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as hitting a mailbox, crashing into a building and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as damage to your Ford Crown Victoria.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Comprehensive auto coverage – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as a broken windshield, damage from flooding and falling objects. The most your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability car insurance – This coverage protects you from injuries or damage you cause to a person or their property that is your fault. It protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims like bail bonds, repair bills for other people’s vehicles, medical expenses, legal defense fees and loss of income. How much liability coverage do you need? That is your choice, but buy as much as you can afford.

Power to the consumer

Some insurance providers do not provide the ability to get a quote online and many times these small, regional companies work with independent insurance agencies. Cheap 2009 Ford Crown Victoria insurance can be sourced both online and from local agencies, so compare prices from both to have the best rate selection.

We’ve covered many ideas to get a better price on 2009 Ford Crown Victoria insurance. The key concept to understand is the more price quotes you have, the better likelihood of getting cheap insurance coverage. Drivers may discover the best rates are with the least-expected company. Smaller companies may often insure only within specific states and give getter rates than the large multi-state companies such as Progressive or Geico.

When getting insurance coverage quotes online, do not reduce coverage to reduce premium. In many instances, consumers will sacrifice full coverage only to regret that the few dollars in savings costed them thousands. The proper strategy is to find the BEST coverage for the lowest price, but don’t skip important coverages to save money.

Other learning opportunities

• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• Event Data Recorders FAQ (iihs.org)
• Determing Auto Insurance Rates (Geico)
• Vehicle Insurance in the U.S. (Wikipedia)