2010 Ford Crown Victoria Insurance Cost – 10 Savings Tips

Trying to find cheaper car insurance rates for your Ford Crown Victoria? There isn’t anyone who looks forward to buying car insurance, especially when they are aware that it costs too dang much.

Online insurance companies like Allstate and Progressive all claim big savings with TV and radio ads and it can be hard to see past the corporate glitz and do the work needed to find the best deal.

If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using this information. Buying car insurance is not that difficult. Although consumers benefit from understanding the methods companies use to price online insurance and apply this information to your search.

Don’t overlook these ten auto insurance discounts

Companies do not list every disount available in a way that’s easy to find, so we researched some of the best known and the more hidden discounts you could be receiving when you buy insurance online.

• Federal Government Employee – Having worked for a branch of the government can earn a discount up to 10% on Crown Victoria insurance depending on your company.
• Accident Forgiveness Coverage – but a handful of insurance companies will let one accident slide without the usual rate increase so long as you are claim-free before the accident.
• Discount for Low Mileage – Low mileage vehicles may enable drivers to earn discounted premium rates on garaged vehicles.
• Full Payment Discount – If paying your policy premium upfront rather than paying monthly you can actually save on your bill.
• Good Students Pay Less – Getting good grades may save as much as 25% on a insurance quote. The discount lasts up until you turn 25.
• No Claims – Good drivers with no accidents pay much less in comparison to insureds who have frequent claims or accidents.
• Air Bag Discount – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of up to 25% or more.
• New Car Discount – Insuring a vehicle that is new can cost up to 25% less because newer models are generally safer.
• Driving Data Discount – Drivers that enable their auto insurance company to look at driving habits remotely like Allstate’s Drivewise could possibly reduce rates if their driving habits are good.
• Distant Student Discount – who live away from home to go to college and leave their car at home may be able to be covered for less.

Don’t be surprised that most discount credits are not given to the entire policy premium. Some only apply to specific coverage prices like liability and collision coverage. Even though the math looks like all those discounts means the company will pay you, you won’t be that lucky.

A few popular companies and the discounts they provide are shown below.

• Farm Bureau may include discounts for driver training, safe driver, youthful driver, multi-policy, and 55 and retired.
• State Farm includes discounts for multiple policy, driver’s education, defensive driving training, accident-free, anti-theft, and safe vehicle.
• Progressive discounts include continuous coverage, multi-policy, online signing, online quote discount, homeowner, and good student.
• Allstate has discounts for premier plus, 55 and retired, good payer, senior citizen, early signing, and teenSMART discount.
• Nationwide may offer discounts for family plan, accident-free, multi-policy, Farm Bureau membership, and anti-theft.
• MetLife policyholders can earn discounts including accident-free, claim-free, good student, multi-policy, and good driver.

If you are trying to find the cheapest insurance quotes, ask every insurance company the best way to save money. Some credits may not be offered in your area. To find insurers with discount rates, click here to view.

When to get professional advice

When choosing adequate coverage for your vehicles, there really is not a “best” method to buy coverage. Every insured’s situation is different so your insurance should reflect that These are some specific questions can help discover if you will benefit from professional help.

• How can I force my company to pay a claim?
• When should I remove comp and collision on my 2010 Ford Crown Victoria?
• Is extra glass coverage worth it?
• What is the ISO rating for a 2010 Ford Crown Victoria?
• Does my liability insurance cover pulling a trailer or camper?
• Does coverage extend to my business vehicle?
• How much underlying liability do I need for an umbrella policy?
• Should I have a commercial auto policy?
• Does my insurance cover a custom paint job?
• Do I need to file an SR-22 for a DUI in my state?

If you can’t answer these questions, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Insurance specifics

Knowing the specifics of a insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring. Listed below are typical coverage types found on most insurance policies.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like prosthetic devices, EMT expenses, doctor visits, ambulance fees and funeral costs. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible

Collision protection

This coverage pays for damage to your Crown Victoria resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as backing into a parked car, colliding with a tree and crashing into a building. This coverage can be expensive, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Auto liability insurance

This protects you from injuries or damage you cause to other’s property or people by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. 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 can pay for things such as legal defense fees, medical services, repair bills for other people’s vehicles, bail bonds and funeral expenses. How much coverage you buy is up to you, but consider buying higher limits if possible.

Comprehensive insurance

Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as falling objects, hitting a bird, hitting a deer and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

In the end, you save

We just covered some good ideas how to lower your 2010 Ford Crown Victoria insurance car insurance rates. The key thing to remember is the more quotes you get, the better your chances of lowering your premium rates. You may be surprised to find that the most savings is with the smaller companies. These companies may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm and Allstate.

Budget-friendly insurance coverage can be purchased from both online companies and with local insurance agents, and you should be comparing both to have the best selection. There are still a few companies who do not provide internet price quotes and these regional insurance providers work with local independent agencies.

To learn more, link through to the resources below:

• Credit Impacts Car Insurance Rates (State Farm)
• Bodily Injury Coverage (Liberty Mutual)
• Neck Injury FAQ (iihs.org)
• Understanding your Policy (NAIC.org)
• Auto Insurance 101 (About.com)
• Electronic Stability Control FAQ (iihs.org)