Lower Your 2007 Ford Crown Victoria Insurance Quotes

Searching for lower car insurance rates for your Ford Crown Victoria? Are you kicking yourself for buying an overpriced car insurance policy? It’s quite common and there are many drivers thinking the same thing.

Having so many insurance companies to choose from, it can be impossible to locate a lower cost car insurance company.

It’s a good idea to get comparison quotes once or twice a year because prices are constantly changing. Even if you think you had the lowest price on Crown Victoria insurance a few years ago the chances are good that you can find a lower rate today. Ignore everything you know about car insurance because you’re going to get a crash course in one of the quickest ways to properly buy coverages and cut your premium.

This information will tell you how car insurance quotes work. If you are paying for car insurance now, you will most likely be able to save some money using these tips. Although consumers must understand the way insurance companies sell insurance online.

Discounts can really help save money

Auto insurance is expensive, but there could be available discounts to cut the cost considerably. Some of these disounts will be visible at the time of purchase, but occassionally some discounts must be inquired about in order for you to get them.

  • Full Payment Discount – If you pay your entire premium ahead of time rather than spreading payments over time you can actually save on your bill.
  • Multiple Cars – Buying insurance for multiple cars or trucks on one policy could earn a price break for each car.
  • Early Renewal Discounts – A few auto insurance companies give discounts for buying a policy early. It can save you around 10%.
  • Active Military Service – Being deployed with a military unit could trigger a small discount.
  • Seat Belt Discounts – Buckling up and requiring all passengers to fasten their seat belts could cut 10% or more on the premium charged for medical payments and/or PIP.
  • Discount for Life Insurance – Larger insurance carriers have a discounted price on car insurance if you buy life insurance from them.
  • Federal Government Employee – Active or former government employment may qualify for a discount when you quote car insurance on Crown Victoria insurance with some auto insurance companies.
  • Save over 55 – Drivers that qualify as senior citizens may be able to get a slight reduction on a car insurance quote on Crown Victoria insurance.
  • College Student Discount – Any of your kids who are attending college and don’t have a car can be insured at a reduced rate.

As a sidenote, some credits don’t apply the the whole policy. Most only cut specific coverage prices like comprehensive or collision. Just because it seems like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business. But all discounts will help reduce the premium cost.

A few popular companies and a selection of discounts are:

  • American Family may include discounts for Steer into Savings, good driver, bundled insurance, air bags, and mySafetyValet.
  • State Farm offers discounts including multiple autos, good student, safe vehicle, anti-theft, multiple policy, accident-free, and student away at school.
  • 21st Century offers discounts for automatic seat belts, anti-lock brakes, defensive driver, good student, and early bird.
  • Travelers may offer discounts for early quote, new car, continuous insurance, multi-car, home ownership, driver training, and student away at school.
  • GEICO policyholders can earn discounts including military active duty, membership and employees, five-year accident-free, defensive driver, and daytime running lights.

If you need lower rates, check with each insurance company which credits you are entitled to. Some of the earlier mentioned discounts may not apply to policyholders everywhere. If you would like to view providers with the best auto insurance discounts, click this link.

How to lower your insurance premiums

Part of the insurance coverage buying process is learning some of the factors that help calculate the rates you pay for insurance coverage. If you know what controls the rates you pay, this empowers consumers to make smart changes that may result in lower premium levels.

  • Only buy what you need – There are quite a few additional extra coverages that can waste your money if you aren’t diligent. Coverages like coverage for rental cars, death and dismemberment, and additional equipment coverage are some examples. They may seem good initially, but now you might not need them so remove them from your policy.
  • Good drivers pay better rates – Your driving record has a lot to do with how much you pay for insurance. Even a single citation can increase rates by as much as twenty percent. Drivers who don’t get tickets pay lower auto insurance prices than bad drivers. Drivers with careless tickets such as DUI or willful reckless driving may find they need to submit a SR-22 form with their state in order to prevent their license from being revoked.
  • Is you job costing you more? – Jobs like military personnelairline pilots and miners are shown to have higher rates than the rest of us in part from high stress and lots of time spent at work. Other careers like farmers, athletes and retirees have lower than average premiums on Crown Victoria insurance.
  • Pay less with a high crash test rating – Vehicles that have high safety ratings tend to have better insurance rates. Highly rated vehicles reduce the chance of injuries and any reduction in injury severity translates into fewer and smaller insurance claims which can mean better rates for you. If your Ford scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you may pay a lower rate.

Will just any policy work for me?

When choosing the right insurance coverage, there is no single plan that fits everyone. Your needs are not the same as everyone else’s so your insurance should reflect that For instance, these questions might help in determining whether your personal situation could use an agent’s help.

  • How high should my medical payments coverage be?
  • What is no-fault insurance?
  • What if I owe more than I can insure my car for?
  • Should I drop comprehensive coverage on older vehicles?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Is my babysitter covered when using my vehicle?
  • Am I covered if hit by an uninsured driver?
  • Can I drive in Mexico and have coverage?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Does my insurance cover damage caused when ticketed for reckless driving?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies.

Insurance policy specifics

Learning about specific coverages of your insurance policy can help you determine the best coverages for your vehicles. Policy terminology can be difficult to understand and reading a policy is terribly boring. These are the normal coverages found on most insurance policies.

Liability auto insurance

Liability coverage can cover damage or injury you incur to other’s property or people. It protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for claims such as attorney fees, medical expenses, structural damage and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Auto collision coverage

This pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like sustaining damage from a pot hole, crashing into a building, colliding with a tree and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Ford Crown Victoria.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Usually these limits do not exceed the liability coverage limits.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like EMT expenses, funeral costs, hospital visits, prosthetic devices and surgery. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like hitting a bird, damage from flooding, hail damage and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

A penny earned…

More affordable insurance can be found on the web in addition to local insurance agencies, and you should be comparing both to get a complete price analysis. A few companies don’t offer the ability to get quotes online and most of the time these regional carriers sell through independent agencies.

We just presented a lot of tips how to get a better price on 2007 Ford Crown Victoria insurance. The key thing to remember is the more times you quote, the higher the chance of saving money. You may even find the lowest prices come from a small local company. Regional companies may cover specific market segments cheaper compared to the large companies like GEICO and State Farm.

When you buy car insurance online, you should never buy lower coverage limits just to save a few bucks. In many instances, consumers will sacrifice liability coverage limits only to regret they didn’t have enough coverage. Your goal should be to purchase a proper amount of coverage at the lowest possible cost, but don’t skip important coverages to save money.

More tips and info about insurance is available in these articles: