Save on 1995 Ford Crown Victoria Insurance Quotes

Trying to find cheaper insurance coverage rates for your Ford Crown Victoria? There isn’t a single person who likes buying insurance coverage, especially when they know the prices are way too high.

Insurance companies such as State Farm, Progressive and GEICO persitently shower you with TV and radio ads and it can be hard to avoid their marketing magic and do the work needed to find the best deal.

It’s a good idea to do price comparisons quite often since prices trend upward over time. Even if you got the best deal for Crown Victoria insurance six months ago there may be better deals available now. Forget anything you know (or think you know) about insurance coverage because you’re going to learn one of the easiest ways to properly buy coverages and cut your premium.

Get lower rates with these discounts

Some providers don’t always list their entire list of discounts in an easy-to-find place, so we break down a few of the more common and the more hidden discounts that you can inquire about if you buy car insurance online.

  • Accident-Free Discounts – Insureds who avoid accidents and claims can save substantially in comparison with policyholders that have many claims.
  • Low Mileage Discounts – Maintaining low annual mileage may allow you to get lower rates on the low mileage vehicles.
  • Waiver for an Accident – This isn’t a discount exactly, but a few companies such as Progressive and Allstate will turn a blind eye to one accident before raising your premiums if you are claim-free prior to the accident.
  • Pay Upfront and Save – If paying your policy premium upfront as opposed to paying monthly you may have a lower total premium amount.
  • Discounts for Good Drivers – Drivers without accidents can save up to 40% or more on their car insurance quote for Crown Victoria insurance compared to accident prone drivers.
  • Good Students Pay Less – Getting good grades may save as much as 25% on a car insurance quote. Many companies even apply the discount to college students up until you turn 25.
  • Club Memberships – Being in specific professional or occupational memberships or organizations can get you a small discount on your next renewal.

Please keep in mind that most credits do not apply to the entire cost. Most only reduce specific coverage prices like collision or personal injury protection. So when the math indicates adding up those discounts means a free policy, you won’t be that lucky.

A list of companies and the discounts they provide include:

  • GEICO discounts include membership and employees, air bags, defensive driver, five-year accident-free, anti-lock brakes, federal employee, and multi-policy.
  • USAA may include discounts for multi-vehicle, annual mileage, driver training, new vehicle, family discount, and good student.
  • Progressive may offer discounts for multi-vehicle, homeowner, online signing, online quote discount, and good student.
  • American Family may have discounts that include air bags, good driver, mySafetyValet, defensive driver, good student, accident-free, and multi-vehicle.
  • Esurance offers discounts for emergency road assistance, homeowner, renters, online shopper, good driver, safety device, and anti-theft.
  • Farmers Insurance has discounts for bundle discounts, homeowner, mature driver, early shopping, and electronic funds transfer.
  • State Farm offers discounts including defensive driving training, anti-theft, driver’s education, Steer Clear safe driver discount, Drive Safe & Save, and good driver.

If you are trying to find cheaper car insurance quotes, ask every insurance company which discounts they offer. Some discounts listed above might not be available to policyholders everywhere. For a list of insurance companies with the best discounts, follow this link.

Car insurance can be complex

When choosing the right insurance coverage, there isn’t really a cookie cutter policy. Everyone’s situation is unique and a cookie cutter policy won’t apply. For instance, these questions could help you determine whether or not you would benefit from an agent’s advice.

  • Do I benefit by insuring my home with the same company?
  • How high should my uninsured/underinsured coverage be in my state?
  • Should I waive the damage coverage when renting a car?
  • Do I need replacement cost coverage on my 1995 Ford Crown Victoria?
  • What if I don’t agree with a claim settlement offer?
  • Is motorclub coverage worth it?
  • Should I buy full coverage?

If it’s difficult to answer those questions then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area.

Big brands don’t always mean big savings

Respected companies like State Farm, GEICO and Progressive constantly bombard you with television and radio advertisements. All the companies say the same thing that drivers can save some big amount if you get a free car insurance quote and switch your policy. How does each company charge you a lower premium? It’s all in the numbers.

Different companies give the best rates for the type of customer that earns them the highest profit. An example of a profitable customer could possibly be a female over age 40, owns their home, and drives less than 5,000 miles a year. Any person that meets those criteria will get low rates and will also save if they switch.

Drivers who don’t meet this stringent profile will get a higher rate and ends up with the customer buying from someone else. The ads say “drivers who switch” not “all people who quote” save the amount stated. That’s why companies can state the savings. Because each company has a different risk profile, it’s extremely important to compare free car insurance quotes often. It’s just not possible to know with any certainty which company will provide you with the cheapest premium rates.

Learn about auto insurance coverages for a 1995 Ford Crown Victoria

Learning about specific coverages of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring. Shown next are the normal coverages offered by auto insurance companies.

Collision protection

Collision coverage will pay to fix damage to your Crown Victoria resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as sustaining damage from a pot hole, crashing into a ditch, backing into a parked car, crashing into a building and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Comprehensive auto coverage

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as fire damage, hitting a bird, a tree branch falling on your vehicle, damage from getting keyed and vandalism. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for expenses for things like ambulance fees, surgery and dental work. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Ford Crown Victoria.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Auto liability insurance

Liability coverage protects you from damage that occurs to other people or property that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage protects against claims like legal defense fees, attorney fees and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Saving money makes a lot of cents

Discount 1995 Ford Crown Victoria insurance can be sourced on the web in addition to local insurance agencies, and you should compare price quotes from both so you have a total pricing picture. Some insurance companies do not provide the ability to get a quote online and most of the time these small insurance companies work with independent agents.

When shopping online for auto insurance, make sure you don’t skimp on coverage in order to save money. In many cases, consumers will sacrifice physical damage coverage only to regret that it was a big error on their part. Your strategy should be to purchase plenty of coverage at the lowest possible cost and still be able to protect your assets.

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