How Much Does 1998 Ford Crown Victoria Insurance Cost?

Searching for cheaper insurance rates for your Ford Crown Victoria? No one in their right mind enjoys paying for insurance, especially when their premiums are through the roof. Drivers have multiple insurance companies to choose from, and although it’s a good thing to have multiple companies, lots of choices makes it harder to find a good deal.

Consumers need to compare rates occasionally due to the fact that insurance rates change regularly. Even if you got the best rates on Crown Victoria coverage six months ago there may be better deals available now. Ignore everything you know about insurance because you’re about to find out the fastest and easiest way to properly buy coverages while reducing your premium.

Finding affordable coverage is easy if you know what you’re doing. If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using these methods. Consumers only need an understanding of the most efficient way to compare price quotes online.

Discounts on 1998 Ford Crown Victoria insurance

Auto insurance companies don’t always advertise all their discounts very well, so here is a list some of the best known and also the lesser-known car insurance savings. If you don’t get every credit possible, you’re just leaving money on the table.

  • Safety Course Discount – Successfully completing a course in driver safety could save 5% or more and easily recoup the cost of the course.
  • Homeowners Pay Less – Simply owning a home can save you money because maintaining a house shows financial diligence.
  • Accident Free – Drivers with accident-free driving histories pay much less when compared to accident-prone drivers.
  • Multi-car Discount – Insuring more than one vehicle on one policy may reduce the rate for each vehicle.
  • Student in College – Youth drivers living away from home attending college and don’t have a car may qualify for this discount.

Keep in mind that most discounts do not apply the the whole policy. Most only apply to the cost of specific coverages such as comprehensive or collision. So even though it sounds like you could get a free car insurance policy, you won’t be that lucky.

Car insurance companies that may have some of the above discounts are:

Double check with all companies you are considering which discounts they offer. Some discounts might not be offered in your state.

Which Insurance Coverage is Cheapest?

Reducing your 1998 Ford Crown Victoria insurance rates is surprisingly easy. The only requirement is to take a few minutes comparing rates provided by online insurance companies. It is quite easy and can be accomplished in several different ways.

  1. The best way to find the lowest comparison rates is to use a rate comparison form click to view form in new window. This form eliminates the need for repetitive form entry for each company you want a rate for. One form submission will get you price quotes from all major companies.
  2. A less efficient way to obtain and compare quotes online is going to the website of each company to complete a price quote. For instance, let’s assume you want rates from Nationwide, Liberty Mutual and Allstate. To get each rate you have to spend time on each company’s site and enter your policy data, which is why the first method is more popular.

    For a list of links to insurance companies in your area, click here.

It doesn’t matter which method you choose, just double check that you are using identical coverages with each company. If you are comparing different limits and deductibles on each one it will be next to impossible to make an equal comparison.

Tailor your coverage to you

When it comes to buying adequate coverage, there really is no perfect coverage plan. Your needs are not the same as everyone else’s so your insurance needs to address that. For instance, these questions can aid in determining whether you may require specific advice.

  • Is my business laptop covered if it gets stolen from my vehicle?
  • Is my trailer covered?
  • Should I get collision insurance on every vehicle?
  • How can I find cheaper teen driver insurance?
  • Do I need added coverage for expensive stereo equipment?
  • Is my 1998 Ford Crown Victoria covered for flood damage?
  • Where can I find high-risk insurance?
  • Do I need special endorsements for business use of my vehicle?

If you don’t know the answers to these questions but a few of them apply, you might consider 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. It is quick, free and can help protect your family.

Insurance specifics

Understanding the coverages of insurance aids in choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Below you’ll find the normal coverages available from insurance companies.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for immediate expenses like hospital visits, ambulance fees and pain medications. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

Collision insurance pays for damage to your Crown Victoria resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like sustaining damage from a pot hole, damaging your car on a curb and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Comprehensive insurance

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like vandalism, hail damage, a broken windshield and theft. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Ford Crown Victoria.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Auto liability insurance

This coverage protects you from damage that occurs to a person or their property in an accident. This insurance protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

It consists of 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 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for things like bail bonds, medical expenses, repair costs for stationary objects, structural damage and court costs. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.

Have the Midas touch

Lower-priced 1998 Ford Crown Victoria insurance can be found on the web in addition to many insurance agents, so you should be comparing quotes from both to have the best selection. Some companies do not provide the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

In this article, we covered many ways to compare insurance prices online. It’s most important to understand that the more you quote, the better chance you’ll have of finding lower rates. You may be surprised to find that the most savings is with the smaller companies. Regional companies can often insure niche markets at a lower cost as compared to the big name companies such as State Farm, Geico and Nationwide.

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