1997 Ford Crown Victoria Car Insurance Cost – 9 Policy Discounts

If you are new to getting insurance coverage quotes online, it’s easy to get baffled thanks to all the different types of insurers competing for your business.

Consumers need to do rate comparisons as often as possible due to the fact that insurance prices fluctuate regularly. Just because you found the lowest price on Crown Victoria insurance a few years ago there may be better deals available now. Forget all the misinformation about insurance coverage because you’re about to learn the fastest way to properly buy coverages and cut your premium.

If you currently have car insurance, you should be able to cut costs considerably using this strategy. Finding affordable protection is not that difficult. But consumers need to learn how the larger insurance companies price insurance differently and apply this information to your search.

Do you qualify for these nine discounts?

Some insurance providers don’t always publicize every policy discount very well, so here is a list both well-publicized as well as some of the hidden credits that may apply to you. If you’re not getting every credit available, it’s possible you qualify for a lower rate.

  • Anti-theft System – Cars and trucks that have factory anti-theft systems are stolen with less frequency and that can save you a little bit as well.
  • Drive Less and Save – Maintaining low annual mileage may enable drivers to earn lower premium rates on the low mileage vehicles.
  • Professional Organizations – Being a member of a civic or occupational organization can get you a small discount on your next auto insurance statement.
  • Military Rewards – Having a deployed family member could trigger a small discount.
  • E-sign Discounts – Some of the larger companies give back up to $50 for completing your application on your computer.
  • Seat Belt Discounts – Drivers who require all vehicle occupants to wear their seat belts can save a little off PIP or medical payments premium.
  • Federal Employees – Active or former government employment can earn a discount up to 10% on Crown Victoria insurance with certain companies.
  • Early Payment Discounts – If you can afford to pay the entire bill rather than paying in monthly installments you could save 5% or more.
  • ABS and Traction Control Discounts – Cars, trucks, and SUVs equipped with ABS or steering control prevent accidents and the ABS can save up to 10%.

Don’t be surprised that some credits don’t apply to all coverage premiums. Most cut the cost of specific coverages such as collision or personal injury protection. So even though it sounds like you could get a free auto insurance policy, you’re out of luck.

Insurance companies who might offer some of the discounts shown above include:

Check with each company or agent which discounts they offer. Some discounts might not be offered on policies in your area.

Cheapest car insurance rate quotes

When shopping for cheap insurance coverage quotes, there are a couple of ways to compare rate quotes from different insurance companies. The recommended way to compare rates consists of shopping online. It’s really quite simple and can be done in a couple of different ways.

  • The most recommended method to get quotes for comparison is a comparison rater form click here to open form in new window. This quick form keeps you from doing repetitive form entry for each price estimate. A single form will get you price quotes from all major companies. Just one form and you’re done.
  • A harder way to get comparison quotes consists of visiting each individual company website and complete a new quote form. For examples sake, we’ll pretend you want to see prices from Liberty Mutual, 21st Century and State Farm. To get rate quotes you would need to take the time to go to each site to enter the same coverage data repeatedly, which can take a lot of time.

    To view a list of companies in your area, click here.

  • The hardest method to get comparison rates to insurance agencies in your area. Comparing rates online makes this unnecessary unless you require the trained advice that only an agent can give. Although you can find lower rates online but have your policy serviced through an agent.

Whichever method you choose, do your best to use nearly identical quote information for each comparison quote. If your comparisons have different liability limits you will not be able to find the best deal for your Ford Crown Victoria. Just a small difference in limits can result in a big premium difference. Just remember that comparing more rates from different companies helps locate a better price. Some regional insurers cannot provide online price quotes, so it’s important to also get price quotes from them as well.

Don’t assume everyone needs the same insurance coverage

When choosing the best insurance coverage, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs.

For instance, these questions may help you determine if your situation would benefit from an agent’s advice.

  • Am I covered if I drive in a foreign country?
  • Why am I required to buy high-risk coverage?
  • What is the difference between comprehensive and collision coverage?
  • Am I covered if I wreck a rental car?
  • If my 1997 Ford Crown Victoria is totaled, can I afford another vehicle?
  • Do I need special endorsements for business use of my vehicle?
  • Will my insurance pay for OEM parts?
  • Do I pay less if my vehicle is kept in my garage?
  • Am I covered if I break a side mirror?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form.

Educate yourself about insurance coverages

Knowing the specifics of a insurance policy can help you determine the right coverages and the correct deductibles and limits. Insurance terms can be confusing and nobody wants to actually read their policy.

Collision – This coverage pays for damage to your Crown Victoria resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as colliding with a tree, hitting a mailbox and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM) – This provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Ford Crown Victoria.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability – Liability coverage can cover damages or injuries you inflict on other’s property or people. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things like repair costs for stationary objects, bail bonds and medical services. How much coverage you buy is a personal decision, but buy as much as you can afford.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage pay for bills such as doctor visits, EMT expenses, surgery and prosthetic devices. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers both the driver and occupants and also covers being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like hitting a deer, damage from getting keyed, theft, rock chips in glass and a tree branch falling on your vehicle. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Don’t break the bank

Drivers change insurance companies for any number of reasons including delays in paying claims, an unsatisfactory settlement offer, high rates after DUI convictions or even poor customer service. Whatever your reason, finding a new company is actually quite simple.

You just learned many tips how you can save on 1997 Ford Crown Victoria insurance. The most important thing to understand is the more providers you compare, the better your comparison will be. You may be surprised to find that the lowest premium rates are with a small mutual company.

When getting insurance coverage quotes online, it’s a bad idea to buy less coverage just to save a little money. In many cases, someone dropped full coverage only to discover later that it was a big error on their part. Your aim should be to buy enough coverage at the best price, not the least amount of coverage.

Much more information about insurance coverage can be found on the following sites: