2010 Ford Crown Victoria Insurance Cost – 9 Savings Tips

Shoppers have lots of choices when shopping for the lowest priced Ford Crown Victoria insurance. They can either waste time driving around to compare prices or save time using the internet to get rate quotes.

There are more efficient ways to find auto insurance online and we’ll show you the absolute fastest way to get price quotes for a Ford and locate the best price possible from both online companies and local agents.

Nine discounts for cheap insurance rates

Auto insurance companies don’t always advertise all possible discounts in an easy-to-find place, so below is a list both well-publicized as well as the least known credits that may apply to you. If you do not check that you are getting every discount you qualify for, you may be paying too high a price.

  • Seat Belt Usage – Drivers who require all vehicle occupants to buckle up before driving can save a little off the medical payments premium.
  • Low Miles Discount – Maintaining low annual mileage could earn lower insurancerates on the low mileage vehicles.
  • Good Grades Discount – Getting good grades can be rewarded with saving of up to 25%. Many companies even apply the discount to college students up until you turn 25.
  • Sign Early and Save – Select insurance companies give a discount for switching companies prior to your current policy expiration. It’s a savings of about 10%.
  • Defensive Driving Course – Passing a driver safety course could possibly earn you a 5% discount and make you a better driver.
  • Clubs and Organizations – Affiliation with qualifying employment or professional organizations could trigger savings when getting a insurance quote.
  • Save over 55 – Drivers that qualify as senior citizens can possibly qualify for a small decrease in premiums on Crown Victoria coverage.
  • Pay Early and Save – If you pay your bill all at once instead of monthly or quarterly installments you could save up to 5%.
  • Passenger Safety Discount – Options like air bags or motorized seat belts can qualify for discounts of more than 20%.

Please keep in mind that some of the credits will not apply to all coverage premiums. The majority will only reduce specific coverage prices like comprehensive or collision. Despite the appearance that you could get a free insurance policy, it’s just not the way it works. Any amount of discount should help reduce the amount you pay for coverage.

Large insurance companies and a partial list of their discounts are outlined below.

  • GEICO may have discounts that include emergency military deployment, anti-theft, air bags, federal employee, multi-vehicle, multi-policy, and driver training.
  • Travelers may include discounts for new car, continuous insurance, home ownership, hybrid/electric vehicle, driver training, early quote, and student away at school.
  • Farm Bureau has savings for safe driver, multi-vehicle, driver training, multi-policy, and 55 and retired.
  • Liberty Mutual offers discounts for safety features, multi-car, teen driver discount, new graduate, and exclusive group savings.
  • American Family includes discounts for good driver, accident-free, Steer into Savings, mySafetyValet, defensive driver, and early bird.
  • Progressive may offer discounts for good student, continuous coverage, online signing, homeowner, online quote discount, multi-vehicle, and multi-policy.

Before you buy a policy, ask all the companies to give you their best rates. Discounts might not be offered in your area. To see insurance companies with the best discounts, click here to view.

You may need specialized insurance coverage

When choosing coverage for your personal vehicles, there really is not a cookie cutter policy. Everyone’s situation is a little different.

For example, these questions could help you determine if your insurance needs would benefit from professional advice.

  • If my pet gets injured in an accident are they covered?
  • Who is covered by my policy?
  • Can my teen drive my company car?
  • Which companies will insure high-risk drivers?
  • When would I need rental car insurance?
  • Do I need PIP coverage since I have good health insurance?
  • What is the ISO rating for a 2010 Ford Crown Victoria?

If you can’t answer these questions but you know they apply to you, you might consider talking to an agent. To find an agent in your area, fill out this quick form. It is quick, free and can help protect your family.

Insurance coverage considerations

Knowing the specifics of your insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive protection

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things like hail damage, falling objects, a broken windshield and rock chips in glass. The most your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for hospital visits, chiropractic care, rehabilitation expenses and EMT expenses. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Liability insurance

Liability insurance will cover damage that occurs to a person or their property. This coverage protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers things like repair bills for other people’s vehicles, funeral expenses, repair costs for stationary objects, medical services and bail bonds. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as sustaining damage from a pot hole, scraping a guard rail and colliding with a tree. This coverage can be expensive, so consider removing coverage from vehicles that are older. It’s also possible to increase the deductible to get cheaper collision coverage.

What is YOUR best insurance company?

We just covered many ways to lower your 2010 Ford Crown Victoria insurance rates. The most important thing to understand is the more quotes you get, the better your comparison will be. You may be surprised to find that the lowest priced insurance comes from some of the smallest insurance companies.

People change insurance companies for a number of reasons such as high rates after DUI convictions, an unsatisfactory settlement offer, denial of a claim and not issuing a premium refund. Regardless of your reason, choosing a new company is not as hard as you think.

Cheaper 2010 Ford Crown Victoria insurance is possible from both online companies and with local insurance agents, and you should compare rates from both so you have a total pricing picture. Some insurance providers don’t offer internet price quotes and usually these regional carriers sell through independent insurance agents.

More detailed insurance information can be read at these sites: