1994 Ford Crown Victoria Car Insurance Quotes – 10 Savings Tips

Want lower insurance rates for your Ford Crown Victoria? Perplexed by the wide range of insurance sources available to you? There are so many sources available that it can easily turn into a real hassle to locate the lowest insurance rates.

Buy insurance online

To find the best insurance rates, there are several ways of comparing rate quotes from insurance companies in your area. One of the best ways to find cheaper Ford Crown Victoria rates involves getting comparison quotes online. This is very easy and can be done in just a few minutes using one of these methods.

  • One of the fastest ways to get quotes for comparison would be an industry-wide quote request form (click to open form in new window). This quick form keeps you from doing separate quote forms for every insurance company. One form will get you price quotes from multiple low-cost companies. This is by far the quickest method.
  • A less efficient way to compare rate quotes is spending the time to visit the website for every company you want to comare and go through the quote process again. For example, let’s say you want to view quotes from Auto-Owners, State Farm and Allstate. To do that, you would have to take the time to go to each site and punch in your information repeatedly, which explains why we recommend starting with the first method. To view a list of companies in your area, click here.

However you get your quotes, make darn sure you compare exactly the same information for each quote you get. If you are comparing higher or lower deductibles it will be next to impossible to get a fair rate comparison. Having just a slight variation in insurance coverages may result in a large different in cost. And when comparing insurance rates, know that comparing all the rates in your area gives you a better chance of getting more affordable rates.

Do you qualify for discount auto insurance?

The price of auto insurance can be rather high, but you might find some hidden discounts to help offset the cost. Certain discounts will be applied at the time of purchase, but once in a while a discount must be asked about prior to receiving the credit.

  • Theft Deterent – Cars with anti-theft systems are stolen with less frequency and earn discounts up to 10% off your insurance coverage quote.
  • Home Ownership Discount – Owning a home can help you save on auto insurance because owning a home means you have a higher level of financial diligence.
  • 55 and Retired – Mature drivers could receive a small decrease in premiums for Crown Victoria insurance.
  • Discount for Passive Restraints – Cars that have air bags or motorized seat belts may earn rate discounts as much as 30%.
  • Good Grades Discount – A discount for being a good student can be rewarded with saving of up to 25%. You can use this discount normally up until you turn 25.
  • Early Renewal Discounts – Some insurance companies reward drivers for switching companies prior to your current policy expiring. This can save 10% or more.
  • Telematics Data Discounts – Drivers who elect to allow their insurance company to analyze driving patterns by using a telematic data system like Drivewise from Allstate or In-Drive from State Farm could see a rate decrease as long as they are good drivers.
  • Membership in Organizations – Having an affiliation with qualifying employment or professional organizations is a simple method to lower premiums on your bill.
  • Government Employees – Being employed by or retired from a federal job could cut as much as 10% off for Crown Victoria insurance with select insurance companies.
  • Discount for New Cars – Insuring a vehicle that is new may earn a small discount because new model year vehicles are generally safer.

Don’t be surprised that most discounts do not apply to the entire cost. Some only reduce individual premiums such as medical payments or collision. Despite the fact that it seems like all the discounts add up to a free policy, insurance companies wouldn’t stay in business. Any qualifying discounts will definitely reduce your policy premiums.

A few of the larger companies and some of the discounts are:

  • Progressive offers discounts including online quote discount, continuous coverage, homeowner, multi-policy, multi-vehicle, online signing, and good student.
  • SAFECO has discounts for bundle discounts, teen safe driver, accident prevention training, homeowner, drive less, anti-lock brakes, and teen safety rewards.
  • American Family offers discounts for early bird, bundled insurance, good student, good driver, and multi-vehicle.
  • MetLife policyholders can earn discounts including claim-free, multi-policy, accident-free, good driver, and defensive driver.
  • GEICO has savings for multi-vehicle, five-year accident-free, emergency military deployment, military active duty, anti-lock brakes, defensive driver, and air bags.
  • The Hartford may include discounts for anti-theft, good student, bundle, defensive driver, and driver training.

It’s a good idea to ask every prospective company which discounts can lower your rates. Some discounts listed above might not be offered on policies in your area.

What insurance coverages do I need?

When buying the right insurance coverage for your personal vehicles, there is no best way to insure your cars. Each situation is unique.

For example, these questions might help in determining if your insurance needs may require specific advice.

  • Can I make deliveries for my home business?
  • Should I have a commercial auto policy?
  • Does my insurance cover my expensive audio equipment?
  • Is motorclub coverage worth it?
  • Does my 1994 Ford Crown Victoria qualify for pleasure use?
  • What is no-fault insurance?
  • Are there companies who specialize in insuring high-risk drivers?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form.

Ads can be misleading

Insurance providers like Progressive, Allstate and GEICO continually stream ads on TV and radio. All the ads make an identical promise that people will save if you get a free insurance coverage quote and switch to them. How does each company cost less than your current company? Just pay attention to how they say it.

Many companies provide the lowest rates for a prospective insured they prefer to insure. One example of a profitable customer could be a female over age 40, has a clear driving record, and insures a new vehicle. Any person who matches those parameters receive the lowest rate quotes and have a good chance to save when they switch companies.

People who are not a match for this ideal profile will have to pay higher rates and this can result in the driver buying from a lower-cost company. If you listen closely, the ads state “drivers who switch” not “everyone who quotes” save the amount stated. That’s the way insurance companies can claim big savings.

That is why drivers should compare quotes as often as possible. Because you never know which insurance company will provide you with the cheapest rates.

Auto insurance specifics

Learning about specific coverages of auto insurance can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Collision protection

Collision coverage pays to fix your vehicle from damage resulting from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as sideswiping another vehicle, colliding with a tree, crashing into a ditch, driving through your garage door and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for bills such as rehabilitation expenses, pain medications and dental work. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as damage to your Ford Crown Victoria.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these limits are similar to your liability insurance amounts.

Comprehensive auto coverage

Comprehensive insurance pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like hitting a deer, a tree branch falling on your vehicle and damage from getting keyed. The most your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability

Liability coverage can cover damage that occurs to other’s property or people by causing an accident. This insurance protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000. Another option is a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims like loss of income, funeral expenses, repair bills for other people’s vehicles, medical expenses and medical services. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.

A little work can save a LOT of money

As you prepare to switch companies, it’s very important that you do not skimp on critical coverages to save a buck or two. There have been many cases where an insured dropped collision coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy a smart amount of coverage for the lowest price, but do not skimp to save money.

We’ve covered many tips how you can lower your 1994 Ford Crown Victoria insurance prices. It’s most important to understand that the more rate comparisons you have, the better chance you’ll have of finding low cost insurance coverage. You may even find the best prices are with a smaller regional carrier.

People leave their current company for many reasons like delays in paying claims, denial of a claim, questionable increases in premium or high prices. No matter why you want to switch, switching auto insurance companies is less work than it seems.

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