2001 Ford Crown Victoria Insurance Quotes

Looking for the cheapest car insurance rates for your Ford Crown Victoria? Finding the cheapest insurance for a new or used Ford Crown Victoria can normally be a painful process, but you can learn a few tricks to make it easier.

There are both good and bad ways to find car insurance online and we’ll show you the proper way to price shop coverage for a new or used Ford and locate the lowest possible price either online or from local insurance agents.

Smart consumers take time to shop coverage around periodically because car insurance prices are usually higher with each renewal. Even if you think you had the lowest quotes on Crown Victoria coverage a couple years back you will most likely find a better rate today. Ignore everything you know about car insurance because we’re going to show you the best way to save money, get proper coverage and the best rates.

Save with with these discounts

Insuring your vehicles can cost a lot, but discounts can save money and there are some available that can help lower your rates. A few discounts will automatically apply at the time you complete a quote, but a few must be specially asked for prior to receiving the credit. If you do not double check each discount you qualify for, it’s possible you qualify for a lower rate.

  • Save over 55 – Drivers that qualify as senior citizens may receive a small decrease in premiums on Crown Victoria coverage.
  • Discounts for Cautious Drivers – Safe drivers may receive a discount up to 45% on Crown Victoria coverage than their less cautious counterparts.
  • Bundled Policy Discount – If you have multiple policies and insure them both with the same insurance company they may give you a discount of nearly 15% which can help you find cheap insurance.
  • Auto/Life Discount – Not all insurance carriers offer life insurance, but some may give you a discounted premium rate on car insurance if you buy some life insurance in addition to your auto policy.
  • Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle up could save 15% on medical payment and PIP coverage.
  • Full Payment Discount – If paying your policy premium upfront instead of paying each month you may reduce your total bill.

It’s important to understand that most credits do not apply the the whole policy. The majority will only reduce specific coverage prices like comprehensive or collision. Even though it may seem like all those discounts means the company will pay you, you aren’t that lucky.

Large auto insurance companies and a selection of discounts can be read below.

  • State Farm may have discounts that include passive restraint, accident-free, defensive driving training, anti-theft, good driver, safe vehicle, and multiple autos.
  • Farmers Insurance has discounts for early shopping, electronic funds transfer, teen driver, switch companies, good student, pay in full, and bundle discounts.
  • Progressive offers discounts for multi-policy, multi-vehicle, continuous coverage, online quote discount, online signing, and good student.
  • GEICO offers premium reductions for anti-theft, anti-lock brakes, multi-vehicle, driver training, and federal employee.
  • Auto-Owners Insurance policyholders can earn discounts including mature driver, paid in full, multi-policy, anti-theft, safe driver, and safe vehicle.
  • The Hartford has savings for defensive driver, bundle, good student, vehicle fuel type, anti-theft, air bag, and driver training.
  • Farm Bureau discounts include good student, multi-policy, safe driver, multi-vehicle, and driver training.
  • USAA may offer discounts for safe driver, good student, military installation, loyalty savings, vehicle storage, new vehicle, and annual mileage.

Check with every company the best way to save money. Some of the discounts discussed earlier may not apply to policyholders in every state. To choose insurance companies who offer cheap auto insurance quotes, click this link.

The quickest method we recommend to get policy rate comparisons is to know almost all companies pay for the opportunity to compare their rates. To get started, all you need to do is spend a couple of minutes providing details including deductibles desired, which vehicles you own, driver details, and distance driven. Your insurance information is automatically sent to insurance companies and you will receive price estimates immediately.

To compare rates now, click here and complete the quick form.

Your situation helps dictate your coverage

When choosing coverage for your vehicles, there really is no “best” method to buy coverage. Each situation is unique.

These are some specific questions might help in determining if you may require specific advice.

  • If my pet gets injured in an accident are they covered?
  • Am I covered if I break a side mirror?
  • Should I bundle my homeowners policy with my auto?
  • How high should my uninsured/underinsured coverage be in my state?
  • Does my insurance cover my expensive audio equipment?
  • Should I buy full coverage?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance 101

Understanding the coverages of your auto insurance policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Protection from uninsured/underinsured drivers

This provides protection when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability auto insurance

This can cover injuries or damage you cause to a person or their property by causing an accident. It protects you against claims from other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims like attorney fees, emergency aid, medical services and loss of income. How much liability coverage do you need? That is your choice, but buy as large an amount as possible.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for bills like dental work, EMT expenses, surgery and rehabilitation expenses. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible

Collision coverage protection

Collision 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 the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like backing into a parked car, hitting a parking meter and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Comprehensive (Other than Collision)

This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like a broken windshield, a tree branch falling on your vehicle and damage from flooding. The maximum amount your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Quote more, save more

Affordable 2001 Ford Crown Victoria insurance can be purchased both online and from local insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance companies may not offer online quoting and usually these regional insurance providers provide coverage only through independent agents.

Consumers change insurance companies for a number of reasons such as being labeled a high risk driver, extreme rates for teen drivers, high prices and policy cancellation. Regardless of your reason for switching companies, choosing a new insurance company is pretty easy and you might even save some money in the process.

When searching for affordable insurance quotes, make sure you don’t reduce needed coverages to save money. Too many times, someone dropped liability coverage limits only to find out they didn’t have enough coverage. The aim is to buy a smart amount of coverage at the best possible price, but do not skimp to save money.

Additional auto insurance information is available at these links: