View 1993 Ford Crown Victoria Insurance Quotes

Want the cheapest insurance coverage rates for your Ford Crown Victoria? Tired of sacrificing to make your insurance coverage payment? You are in the same boat as most other people.

People have many insurers to insure vehicles with, and although it’s a good thing to have multiple companies, having more insurance companies makes it harder to compare rates and find the lowest cost insurance coverage.

How to get low cost car insurance

Comparing car insurance rates can be a lot of work if you don’t understand the best way to get rate quotes. You could spend your day talking about coverages with local insurance agents in your area, or you could save time and use the internet to get prices fast.

The majority of car insurance companies belong to a marketplace that allows shoppers to only type in their quote data once, and at least one company then gives them pricing based on the submitted data. This eliminates the need for quote forms to each company.

To enter your information into the quoting system, click to open in new window.

The only drawback to getting quotes like this is you don’t know exactly the insurers you want to price. If you wish to select specific providers for rate comparison, we have a listing of companies who write car insurance in your area. Click to view list.

It’s up to you how you get prices quotes, just do your best to use exactly the same quote information with every price quote. If the quotes have different limits and deductibles on each one you will not be able to determine the lowest rate for your Ford Crown Victoria. Just slight variations in insurance coverages or limits can make a big difference in price. And when comparison shopping, making a lot of price comparisons helps locate lower pricing.

Save $468 a year? Really?

Companies like State Farm and Allstate regularly use ads in print and on television. All the companies make the point of big savings after switching your insurance coverage policy to them. How can each company claim to save you money? It’s all in the wording.

Insurance coverage companies quote their best rates for the type of driver that earns them the most money. An example of a desirable insured could be between 30 and 50, has no driving citations, and does not commute to work. A customer getting a price quote who meets those qualifications will get the preferred car insurance rates and will also cut their rates substantially.

People who do not match those criteria will be charged more expensive rates and this results in the customer not buying. The ads say “customers who switch” not “everybody who quotes” save that much. That’s why insurance companies can confidently lure you into getting a quote. This really drives home the point why you absolutely need to quote coverage with many companies. You cannot predict which insurance coverage company will have the lowest rate quotes.

Affordable car insurance rates with discounts

Car insurance is not cheap, but there’s a good chance there are discounts that you may not even be aware of. Many discounts should be triggered when you purchase, but less common discounts must be specifically requested in order for you to get them.

  • Federal Government Employee – Simply working for the federal government can save as much as 8% for Crown Victoria coverage with select insurance companies.
  • Paperwork-free – Many insurance companies will discount your bill up to fifty bucks for buying your policy over the internet.
  • Defensive Driver Discounts – Participating in a driver safety class could cut 5% off your bill and easily pay for the cost of the class.
  • Distant College Student Discount – Kids living away from home attending college and won’t have access to an insured vehicle may qualify for this discount.
  • Multiple Policy Discount – If you insure your home and vehicles with one company you may earn at least 10% off all policies.
  • Low Mileage Discounts – Keeping the miles down on your Ford could earn lower rates on the low mileage vehicles.
  • Home Ownership Discount – Just owning your own home can earn you a little savings because owning a home requires a higher level of personal finance.
  • Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to use a seat belt can save up to 15% off the personal injury premium cost.
  • Lower Rates for Military – Being on active duty in the military can result in better rates.

Please keep in mind that most credits do not apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as medical payments or collision. If you do the math and it seems like it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

Companies who may offer some of the discounts shown above are:

When quoting, ask every prospective company the best way to save money. Some of the discounts discussed earlier may not apply to policyholders in your area. If you would like to see a list of insurance companies who offer car insurance discounts, click this link.

Tailor your insurance coverage to you

When choosing the right insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Every insured’s situation is different and your policy should reflect that. These are some specific questions could help you determine whether or not you might need professional guidance.

  • Who is covered when they drive my 1993 Ford Crown Victoria?
  • What are the financial responsibility laws in my state?
  • Can I rent a car in Mexico?
  • Do I need roadside assistance coverage?
  • Will I lose any money if I cancel my policy before it expires?
  • Is borrowed equipment or tools covered if stolen or damaged?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Insurance policy coverages for a Ford Crown Victoria

Knowing the specifics of a insurance policy aids in choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverages found on the average insurance policy.

Comprehensive insurance

Comprehensive insurance coverage covers 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 claims like fire damage, damage from flooding, hail damage, a tree branch falling on your vehicle and damage from getting keyed. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like rolling your car, backing into a parked car and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as surgery, funeral costs and rehabilitation expenses. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers

This coverage provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and damage to your Ford Crown Victoria.

Because many people carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Auto liability insurance

Liability coverage can cover damage or injury you incur to other people or property by causing an accident. It protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things such as bail bonds, emergency aid, court costs and medical services. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Shop around and save

While you’re price shopping online, never sacrifice coverage to reduce premiums. There have been many situations where consumers will sacrifice comprehensive coverage or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal should be to find the BEST coverage at an affordable rate, but do not skimp to save money.

Discount 1993 Ford Crown Victoria insurance is definitely available on the web and from local insurance agents, so you should be comparing quotes from both so you have a total pricing picture. A few companies do not offer online rate quotes and these small, regional companies work with independent insurance agencies.

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