Save on 1999 Ford Crown Victoria Insurance Quotes

No one rejoices having to buy insurance, especially when they know the price is too high.

Having so many choices, it’s difficult to find the most affordable company.

Consumers need to get comparison quotes yearly because insurance prices are rarely the same from one policy term to another. Just because you found the best price for Crown Victoria insurance last year you can probably find a lower rate today. Forget all the misinformation about insurance because you’re going to get a crash course in one of the best ways to lower your annual insurance bill.

Compare free car insurance rate quotes

To get the cheapest auto insurance quotes, there a variety of ways of comparing price quotes from many available car insurance companies in your state. The quickest method to lower the rate you pay for 1999 Ford Crown Victoria insurance is to jump online and get quotes. This can be done in a couple minutes as outlined below.

One of the simplest ways to get quotes for comparison is an all-inclusive rate comparison (click to open form in new window). This method saves time by eliminating repetitive form entry for each company you want a rate for. One simple form gets you price quotes from multiple companies.

A slightly less efficient method to get comparison quotes consists of visiting the website for every company you want to comare and go through the quote process again. For examples sake, let’s assume you want rates from Allstate, 21st Century and State Farm. In order to compare rates, you need to spend time on each company’s site and repeatedly type in your coverage information, which is why first method is reommended.

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

The approach you take is up to you, just be sure to compare equivalent coverage limits for every company. If you are comparing higher or lower deductibles then you won’t be able to determine which company has the best rates. Just a small difference in limits could mean much higher rates. And when comparison shopping, making a lot of price comparisons will enable you to find a lower rate than you’re paying now.

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These discounts can reduce auto insurance rates

Car insurance companies don’t always advertise all their discounts very well, so the following list contains a few of the more common as well as some of the hidden discounts that may be available.

Good Student – A discount for being a good student can get you a discount of up to 25%. Most companies allow this discount up to age 25.
Safety Course Discount – Completing a defensive driver course may get you a small discount and make you a better driver.
Discount for Life Insurance – Some insurance companies give a discount if you purchase a life policy as well.
Multiple Vehicles – Having all your vehicles with the same company qualifies for this discount.
Waiver for an Accident – Not really a discount, but some insurance companies permit an accident without the usual rate increase so long as you are claim-free for a certain period of time.
Renewal Discounts – Some companies provide a discount for signing up before your current coverage expires. It could save around 10% when you buy auto insurance online.
Discounts for Cautious Drivers – Drivers without accidents can save as much as half off their rates for Crown Victoria insurance than less cautious drivers.
Distant Student – College-age children who are attending college and do not have a car may be insured at a cheaper rate.
Federal Government Employee – Employees or retirees of the government could provide a small rate reduction for Crown Victoria insurance with select insurance companies.

One last thing about discounts, most of the big mark downs will not be given to your bottom line cost. Some only apply to the cost of specific coverages such as comp or med pay. Even though the math looks like adding up those discounts means a free policy, insurance companies wouldn’t stay in business. Any qualifying discounts should help reduce the cost of coverage.

A few popular companies and a selection of discounts can be found below.

State Farm may offer discounts for good student, accident-free, multiple autos, anti-theft, and Steer Clear safe driver discount.
Progressive has savings for online quote discount, multi-policy, homeowner, continuous coverage, and good student.
Travelers offers discounts including early quote, multi-policy, save driver, home ownership, and hybrid/electric vehicle.
American Family discounts include mySafetyValet, early bird, air bags, defensive driver, TimeAway discount, good driver, and accident-free.
Liberty Mutual includes discounts for teen driver discount, newly retired, new move discount, hybrid vehicle, new vehicle discount, and exclusive group savings.

If you need lower rates, check with every insurance company which discounts you qualify for. Savings might not be available to policyholders in your area. To see providers who offer online auto insurance quotes, click here.

When do I need an agent’s advice?

When it comes to buying coverage for your vehicles, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. These are some specific questions can aid in determining whether you would benefit from an agent’s advice.

Why is insurance for a teen driver so high?
Is extra glass coverage worth it?
Do I have newly-aquired coverage?
Am I covered if I break a side mirror?
Are split liability limits better than a combined single limit?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Do I need replacement cost coverage on my 1999 Ford Crown Victoria?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier

Save money with these tips

Smart consumers have a good feel for some of the elements that aid in calculating insurance rates. When you understand what positively or negatively impacts your premiums, this allows you to make good choices that will entitle you to lower insurance prices.

The items below are some of the most common factors insurance companies consider when setting your premiums.

Avoid tickets and save – Attentive drivers have lower premiums compared to drivers with tickets. Having a single citation can boost insurance rates to the point where it’s not affordable. Drivers who have gotten severe citations like DUI or willful reckless driving are required to maintain a SR-22 with their state DMV in order to prevent their license from being revoked.
You might have higher premiums if you are single – Having a spouse can get you a discount on your policy. Marriage generally demonstrates drivers are more stable financially and statistics show married drivers tend to file fewer claims.
Safer the car lower the rate – Cars with high safety ratings get lower rates. Highly rated vehicles reduce injuries and any reduction in injury severity translates into savings for insurance companies and more competitive rates for policyholders. If your Ford Crown Victoria is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
How many coverages with the same company – Most major insurance companies apply lower prices to customers that buy multiple policies. It’s known as a multi-policy discount. This can amount to ten or even fifteen percent. Even though this discount sounds good, you still need to compare other company rates to confirm you are receiving the best rates possible. You may still be able to save more without the discount by buying from different companies
Extra coverages can waste money – Policies have add-on coverages that you can get tricked into buying but may not be useful. Insurance for things like rental car coverage, high-cost glass coverage, and membership fees are some examples. You may think they are a good idea when talking to your agent, but your needs may have changed so eliminate the coverages to reduce your premium.
Premiums may be lower depending on your vocation – Did you know that where you work can have an impact on rates? Jobs like fire fightersairline pilots and emergency personnel generally pay higher average rates in part from intense work requirements and lengthy work days. On the other hand, occupations like farmers, students and performers pay lower than average rates for Crown Victoria insurance.
Too many claims will drive premiums up – If you’re an insured who likes to file claims you can pretty much guarantee increased rates or even have your policy non-renewed. Companies generally give most affordable rates to drivers who are not frequent claim filers. Your insurance policy is intended for the bigger claims that can’t be paid out-of-pocket.

Auto insurance myths debunked

Popular auto insurance providers such as State Farm, GEICO and Progressive seem to constantly run television, radio, and online ads. All the ads tend to make the same promise about savings if you switch to them. But how can every company have lower policy pricing? This is how they do it.

Companies require specific criteria for the type of driver that earns them the highest profit. For example, a desirable insured could possibly be over the age of 50, has never had a claim, and drives a safe vehicle. Any customer who matches that profile will qualify for the lowest premium rates as well as save when switching.

Drivers who do not meet this ideal profile will get a higher rate which results in the customer buying from a different company. If you pay attention, the ads say “people who switch” not “everybody who quotes” save that much money. That is how companies can make claims that they all have the best rates. Because every company is different, you really need to compare quotes as often as possible. It’s just not possible to know the company that will be your best fit.

Auto insurance coverage options for a Ford Crown Victoria

Knowing the specifics of auto insurance helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. These are typical coverages available from auto insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as 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. So UM/UIM coverage is very important.

Coverage for liability – Liability coverage protects you from damage or injury you incur to a person or their property in an accident. It protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things like loss of income, attorney fees, emergency aid and funeral expenses. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive auto coverage – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like hitting a deer, fire damage, a broken windshield, falling objects and damage from a tornado or hurricane. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage – This will pay to fix damage to your Crown Victoria caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like sideswiping another vehicle, damaging your car on a curb, backing into a parked car, colliding with another moving vehicle and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to raise the deductible to bring the cost down.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP reimburse you for immediate expenses for hospital visits, X-ray expenses, ambulance fees and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Smart shoppers get results

Throughout this article, we presented many ideas to get a better price on 1999 Ford Crown Victoria insurance. The key thing to remember is the more quotes you get, the better likelihood of getting cheaper auto insurance. You may be surprised to find that the lowest prices are with a company that doesn’t do a lot of advertising. They can often provide lower rates in certain areas than the large multi-state companies such as Allstate, GEICO and Progressive.

Cost effective 1999 Ford Crown Victoria insurance can be bought online as well as from insurance agents, so you need to quote auto insurance with both to get a complete price analysis. Some companies don’t offer online rate quotes and usually these smaller companies work with local independent agents.

As you prepare to switch companies, you should never buy lower coverage limits just to save a few bucks. In many cases, consumers will sacrifice physical damage coverage and found out when filing a claim that it was a big error on their part. Your aim should be to find the BEST coverage at the best price.