Cheaper 1997 Ford Crown Victoria Car Insurance Quotes

Buyers have lots of choices when searching for low-cost Ford Crown Victoria insurance. You can either waste hours contacting agents trying to get quotes or save time using the internet to find the lowest rates. There is a right way and a wrong way to shop for auto insurance so we’re going to tell you the quickest way to price shop coverage for your Ford and locate the cheapest rates.

It is always a good idea to shop coverage around periodically since insurance rates tend to go up over time. Even if you got the best deal on Crown Victoria insurance two years ago you can probably find a lower rate today. There is a lot of bad information regarding auto insurance on the internet, so we’re going to give you the best ways to quit paying high auto insurance rates.

Finding affordable coverage is easy if you know what you’re doing. If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using these techniques. Drivers only need an understanding of the tricks to get comparison quotes online.

Compare Car Insurance Costs

There are a lot of ways to compare car insurance quotes, and some are less labor-intensive and much quicker. You can spend countless hours talking to local insurance agents in your area, or you can stay home and use the web to get prices fast.

Most of the larger companies enroll in a system where prospective buyers send in one quote, and each company returns a rated price for coverage. This prevents consumers from doing repetitive form submissions to each company.

To compare pricing click here (opens in new window).

The one downside to using this type of system is you cannot specify which companies to get pricing from. So if you want to select specific providers to request quotes from, we have a listing of low cost car insurance companies in your area. Click to view list.

Which method you use is up to you, but be sure to compare the exact same coverage limits and deductibles for each price quote. If you are comparing different liability limits it’s impossible to determine the lowest rate for your Ford Crown Victoria.

Discounts on 1997 Ford Crown Victoria insurance

Auto insurance companies do not list all their discounts in a way that’s easy to find, so we break down some of the best known and the more hidden ways to save on insurance coverage. If you aren’t receiving every discount you qualify for, you are throwing money away.

  • Senior Citizens – If you qualify as a senior citizen, you may be able to get a discount up to 10% on Crown Victoria insurance.
  • Payment Method – If you pay your entire premium ahead of time instead of making monthly payments you could save up to 5%.
  • Student Driver Training – Cut your cost by having your teen driver take driver’s ed class if offered at their school.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
  • Discount for Good Grades – This discount can get you a discount of up to 25%. This discount can apply until age 25.

Keep in mind that many deductions do not apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. So when the math indicates all those discounts means the company will pay you, companies don’t profit that way.

Companies that possibly offer these money-saving discounts include:

It’s a good idea to ask each insurance company what discounts are available to you. Some discounts might not apply in every state.

Tailor your coverage to you

When it comes to buying coverage, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For instance, these questions might point out whether you might need professional guidance.

  • What is roadside assistance coverage?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • I don’t drive much so do I pay less?
  • Can I rent a car in Mexico?
  • Is motorclub coverage worth it?
  • Does my policy cover me when driving someone else’s vehicle?
  • What is PIP insurance?
  • Can I drive in Mexico and have coverage?
  • Do I have coverage when making deliveries for my home business?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

The coverage is in the details

Knowing the specifics of a car insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Collision insurance

Collision coverage will pay to fix damage to your Crown Victoria resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as driving through your garage door, sustaining damage from a pot hole, damaging your car on a curb, sideswiping another vehicle and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

Liability

This coverage can cover damage that occurs to people or other property that is your fault. This insurance protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage pays for things like court costs, medical expenses, loss of income, emergency aid and pain and suffering. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Medical expense insurance

Med pay and PIP coverage reimburse you for short-term medical expenses for dental work, X-ray expenses and EMT expenses. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Ford Crown Victoria.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as hitting a bird, hail damage and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.