View 1993 Ford Crown Victoria Car Insurance Rates

Searching for the lowest cost insurance coverage online can seem to be somewhat difficult for consumers not familiar with comparison shopping online. With so many choices of insurers to choose from, how can drivers even start to compare the different rates to find the cheapest rates?

You should make it a habit to compare rates before your policy renews because rates change regularly. Even if you got the lowest price for Crown Victoria coverage six months ago other companies may now be cheaper. There is a lot of bad information regarding insurance coverage on the web, but with this article, you’re going to get a bunch of ideas how to stop overpaying for insurance.

How to Get Cheap Insurance

All the larger insurance companies like Allstate, Geico and Progressive allow you to get price estimates online. The process doesn’t take much effort as you just type in your required coverages as detailed in the form. Once entered, the company’s rating system will obtain credit information and your driving record and generates pricing information.

This simplifies rate comparisons, but the time it takes to visit many different websites and complete many quote forms is not the best way to spend an afternoon. But it’s very important to have as many quotes as possible in order to find a better rate.

A more efficient way to find cheaper rates uses one form that gets price quotes from more than one company. The form is fast, requires much less work on your part, and makes rate comparisons much more enjoyable and efficient. After sending the form, your coverage is rated and you are able to buy any one of the pricing results.

If the quotes result in lower rates, you can click and sign and buy the policy. It takes just a few minutes to complete and you’ll know if lower rates are available.

To compare rates using this form now, simply click here to open in new window and begin entering your coverage information. If you currently have coverage, we recommend you type in your coverages exactly as they are listed on your policy. Doing this assures you are getting a fair comparison for similar coverage.

Impacting insurance rates for a Ford Crown Victoria

An important part of buying insurance is that you know the factors that help determine the rates you pay for insurance coverage. Understanding what determines base rates enables informed choices that will entitle you to big savings.

The following are a partial list of the pieces insurance coverage companies consider when setting prices.

  • Frequent insurance coverage claims increase rates – If you file claims often, you can pretty much guarantee higher rates. Car insurance companies give cheaper rates to policyholders who do not file claims often. Insurance coverage is intended for the large, substantial claims.
  • Men fork out a little more – The statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that women are better drivers. Men and women tend to get into accidents in similar numbers, but the men cause more damage. Men also statistically have more aggressive citations such as reckless driving. Young males are the most expensive to insure and therefore are the most expensive to insure.
  • More miles equals more premium – The more miles you rack up on your Ford every year the more you’ll pay to insure your vehicle. Most insurance companies charge to insure your cars based upon how you use the vehicle. Autos left parked in the garage receive lower rates as compared to vehicles used primarily for driving to work. Make sure your insurance coverage policy is rated on how each vehicle is driven, because improper ratings can cost you money. Incorrect usage on your Crown Victoria may be wasting your money.
  • Lower deductibles cost more – Physical damage deductibles represent how much money you are required to spend before a claim is paid by your company. Insurance for physical damage to your car, also known as collision and other-than-collision, protects your car from damage. Examples of covered claims are colliding with a building, damage caused by hail, and windstorm damage. The more expense you’re willing to pay, the lower your rates will be for Crown Victoria coverage.

Don’t miss out on these money-saving discounts

Insurance can be prohibitively expensive, but you may find discounts that you may not know about. Most are applied when you purchase, but a few need to be inquired about in order for you to get them.

  • No Accidents – Good drivers with no accidents can save substantially when compared to accident-prone drivers.
  • Own a Home – Owning a home may earn you a small savings due to the fact that maintaining a home demonstrates responsibility.
  • Accident Waiver – A few companies allow you one accident before hitting you with a surcharge if you are claim-free for a set time period.
  • Federal Government Employee – Employees or retirees of the government could cut as much as 10% off for Crown Victoria coverage with a few insurance companies.
  • Sign Early and Save – Some companies give discounts for switching policies prior to your current policy expiring. It can save you around 10%.
  • Passive Restraints – Factory air bags or automatic seat belts can get savings of up to 25% or more.

Consumers should know that most discounts do not apply to the entire policy premium. Most only cut individual premiums such as liability, collision or medical payments. Just because it seems like it’s possible to get free car insurance, it doesn’t quite work that way. But all discounts will reduce the amount you have to pay.

A partial list of companies that may offer these benefits include:

It’s a good idea to ask every prospective company what discounts are available to you. Savings may not be available in your state.

Do I need special coverages?

When it comes to buying the right insurance coverage for your personal vehicles, there really is no perfect coverage plan. Your needs are not the same as everyone else’s.

For example, these questions may help you determine if your insurance needs might need professional guidance.

  • Am I missing any policy discounts?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Will my rates increase for filing one claim?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is other people’s property covered if stolen from my vehicle?
  • What vehicles should carry emergency assistance coverage?
  • Is there coverage for injuries to my pets?
  • When would I need additional glass coverage?
  • When should I remove comp and collision on my 1993 Ford Crown Victoria?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form.

Specifics of your auto insurance policy

Understanding the coverages of auto insurance aids in choosing the right coverages and proper limits and deductibles. Auto insurance terms can be confusing and even agents have difficulty translating policy wording.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for immediate expenses such as doctor visits, dental work, X-ray expenses, ambulance fees and surgery. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers you and your occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your 1993 Ford Crown Victoria.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Auto collision coverage

Collision coverage pays for damage to your Crown Victoria caused by collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like driving through your garage door, sideswiping another vehicle, damaging your car on a curb and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also raise the deductible to save money on collision insurance.

Liability coverage

This coverage will cover damage that occurs to other people or property. It protects YOU against other people’s claims, and does not provide coverage for 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. Your policy might show values of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things like attorney fees, court costs, funeral expenses, bail bonds and structural damage. How much liability coverage do you need? That is your choice, but you should buy higher limits if possible.

Comprehensive coverage

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as damage from flooding, fire damage, hail damage, hitting a deer and falling objects. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

At the end of the day…

When shopping online for insurance coverage, don’t be tempted to buy lower coverage limits just to save a few bucks. In many cases, someone sacrificed liability limits or collision coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your aim should be to get the best coverage possible at the best price.

Affordable 1993 Ford Crown Victoria insurance can be sourced on the web and also from your neighborhood agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance companies may not provide online quoting and most of the time these small, regional companies sell through independent agents.

We just covered a lot of tips how to reduce insurance prices online. The key concept to understand is the more price quotes you have, the better your chances of lowering your rates. You may even discover the best prices are with the least-expected company.

Additional detailed information can be read at these sites: