2002 Ford Crown Victoria Car Insurance Quotes

Want the cheapest auto insurance rates for your Ford Crown Victoria? Trying to find the cheapest insurance for a new or used Ford Crown Victoria can be a painful process, but you can use a few tricks to save time.

There is a better way to shop for auto insurance and you need to know the best way to price shop coverage for a new or used Ford and locate the lowest possible price from local insurance agents and online providers.

Smart consumers take time to get comparison quotes occasionally since prices tend to go up over time. Even if you got the best deal on Crown Victoria insurance at your last renewal you can probably find a better rate now. Ignore everything you know about auto insurance because you’re about to find out one of the quickest ways to lower your rates without sacrificing coverage.

Buying affordable insurance is quite easy. If you have a policy now or need a new policy, you can use this information to reduce the price you pay and possibly find even better coverage. Vehicle owners just need to learn the most efficient way to shop over the internet.

The cheapest car insurance quotes

Most of the larger companies provide pricing on the web. Comparing prices online is fairly simple as you just enter into the form. Once entered, the quote system will obtain reports for credit and driving violations and provides a quote.

Online price estimates makes comparing rates easy, but the time required to go to each company’s website and repetitively type in the same information gets old quite quickly. But it’s also necessary to get many rate quotes if you want to get the lowest car insurance rates.

Isn’t there an easier way to compare rates?

A less time-consuming method to find cheaper rates requires only one form that obtains quotes from a lot of companies. This type of form saves time, helps eliminate reptitive entry, and makes online shopping much easier to do. After your information is entered, it gets priced and you are able to buy your choice of the price quotes you receive.

If one or more price quotes are lower than your current rates, you can click and sign and buy the policy. The entire process only takes a few minutes and you’ll know if lower rates are available.

To save time and use this form to compare rates, click here and enter your vehicle and coverage information. If you have coverage now, it’s recommended you input deductibles and limits as close as possible to your current policy. This guarantees you’re receiving rate comparison quotes using the same coverage and limits.

Beware of misleading auto insurance ads

Consumers can’t escape the ads that claim the best car insurance rates by 21st Century, Allstate and State Farm. They all make an identical promise that you can save if you just switch to them.

How is it plausible that every one can charge lower premium rates? This is the trick they use.

Auto insurance companies have a certain “appetite” for the type of insured that earns them a profit. An example of this type of risk profile could be married and over the age of 30, has few claims, and drives less than 7,500 miles a year. Any customer that hits that “sweet spot” will probably get the lowest premium rates and have a good chance to save money with a new company.

Insureds who cannot meet these criteria may be required to pay higher prices and ends up with the customer not purchasing. The ads say “drivers that switch” not “everyone that quotes” save that kind of money. This is how companies can advertise the savings.

Different companies use different criteria so you really need to do a price quote comparison at every renewal. Because without a comparison, you cannot know which auto insurance company will have better rates than you’re paying now.

Why informed consumers pay less for Ford Crown Victoria insurance

Lots of things are part of the equation when you get your auto insurance bill. A few of the factors are predictable such as your driving history, although some other factors are less apparent like your continuous coverage or your vehicle rating.An important part of buying insurance is that you know some of the elements that are used to determine the level of your policy premiums. When consumers understand what controls the rates you pay, this allows you to make educated decisions that can help you get cheaper rates.

Shown below are some of the major factors used by companies to determine your premiums.

  • Bundle home and auto and save – The majority of companies provide discounts to customers who buy several policies from them such as combining an auto and homeowners policy. Discounts can amount to 10 percent or more. Even if you qualify for this discount already, it’s still a good idea to get quotes from other companies to verify if the discount is saving money.
  • Do you really need roadside assistance? – There are many add-on coverages that you can get tricked into buying if you aren’t diligent. Insurance for things like roadside assistance, high-cost glass coverage, and membership fees may be costing you every month. You may think they are a good idea initially, but your money might be better spent on other coverage so remove them and pocket the money.
  • Optional features can affect rates – Driving a car that has an advanced theft prevention system can get you a discount on your car insurance. Systems that thwart theives like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems help track and prevent auto theft.
  • Vehicles with better crash test results cost less to insure – Vehicles that have high safety ratings cost less to insure. Safe vehicles have better occupant injury protection and fewer serious injuries translates into fewer and smaller insurance claims passed on to you as lower rates.
  • Marriage discount – Having a significant other may earn you lower rates on your car insurance policy. Marriage means you’re less irresponsible and it’s statistically proven that drivers who are married are more cautious.

Find hidden discounts to get affordable car insurance quotes

Car insurance is not cheap nor is it fun to buy but there could be available discounts to help bring down the price. Most are applied at the time you complete a quote, but some need to be asked about before they will apply. If you do not check that you are getting every discount possible, you’re paying more than you need to.

  • Discount for Good Grades – Performing well in school can be rewarded with saving of up to 25%. The good student discount can last up until you turn 25.
  • Multi-line Discount – Insurance companies who offer life insurance give a small discount if you purchase auto and life insurance together.
  • Sign Early and Save – A few larger companies give discounts for signing up prior to your current policy expiration. Ten percent is about the average savings.
  • Multiple Policy Discount – When you combine your home and auto insurance and place coverage with the same company you could save up to 20% and get you cheaper insurance.
  • Discount for Passive Restraints – Options like air bags or automatic seat belts may earn rate discounts of up to 25% or more.
  • Save with More Vehicles Insured – Purchasing coverage when you have multiple cars with the same company can reduce rates for all insured vehicles.
  • Student Driver Training – Have your child participate in a local driver’s education class in school.

As a disclaimer on discounts, most discounts do not apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like it’s possible to get free car insurance, it’s just not the way it works.

Popular car insurance companies and the discounts they provide are shown below.

  • State Farm may offer discounts for accident-free, student away at school, good driver, driver’s education, Drive Safe & Save, multiple autos, and safe vehicle.
  • GEICO policyholders can earn discounts including defensive driver, anti-theft, multi-vehicle, military active duty, membership and employees, and air bags.
  • Progressive has savings for multi-policy, online quote discount, continuous coverage, online signing, good student, multi-vehicle, and homeowner.
  • 21st Century offers premium reductions for good student, air bags, driver training, homeowners, and teen driver.
  • American Family includes discounts for multi-vehicle, accident-free, mySafetyValet, air bags, defensive driver, and good student.
  • The Hartford may have discounts that include good student, defensive driver, driver training, anti-theft, and vehicle fuel type.
  • AAA offers discounts for AAA membership discount, pay-in-full, anti-theft, good driver, multi-car, and education and occupation.

It’s a good idea to ask every prospective company what discounts are available to you. Some of the discounts discussed earlier might not be available to policyholders in every state. If you would like to view companies who offer cheap car insurance quotes, click here.

Tailor your insurance coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Each situation is unique.

For example, these questions might help in determining if your insurance needs might need an agent’s assistance.

  • Is pleasure use cheaper than using my 2002 Ford Crown Victoria to commute?
  • How much can I save by bundling my policies?
  • Is my camper covered by my car insurance policy?
  • Am I covered if my car is in a flood?
  • What is the ISO rating for a 2002 Ford Crown Victoria?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Am I covered when driving a rental car?
  • How high should my uninsured/underinsured coverage be in my state?
  • Does my personal policy cover me when driving out-of-state?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and you can get the answers you need.

The coverage is in the details

Having a good grasp of a auto insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Comprehensive coverage (or Other than Collision)

This covers 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 claims like vandalism, hitting a deer, damage from flooding and hitting a bird. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for bills for X-ray expenses, chiropractic care and surgery. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Liability

This will cover injuries or damage you cause to other’s property or people. It protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Some companies may use a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims like court costs, medical expenses, attorney fees, repair bills for other people’s vehicles and legal defense fees. How much coverage you buy is your choice, but consider buying as high a limit as you can afford.

Collision insurance

Collision coverage pays for damage to your Crown Victoria from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like driving through your garage door, sustaining damage from a pot hole, hitting a parking meter and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also increase the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection when other motorists do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your 2002 Ford Crown Victoria.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these coverages do not exceed the liability coverage limits.

Take this to the bank

As you shop your coverage around, make sure you don’t sacrifice coverage to reduce premiums. There are many occasions where an insured dropped full coverage only to regret that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

We’ve covered many ideas to save on 2002 Ford Crown Victoria insurance. It’s most important to understand that the more rate quotes you have, the better chance you’ll have of finding cheaper insurance. Consumers could even find that the lowest rates are with a smaller regional carrier.

Low-cost 2002 Ford Crown Victoria insurance is definitely available from both online companies as well as from independent agents, and you should compare rates from both to have the best selection. Some auto insurance companies may not have the ability to get a quote online and most of the time these regional insurance providers prefer to sell through local independent agents.

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