2010 Ford Crown Victoria Insurance Quotes

Searching for lower insurance rates for your Ford Crown Victoria? Feel like you’re a prisoner to high-priced insurance? Trust us, there are a lot of people just like you who feel imprisoned by their insurance policy.

You have so many insurers to insure vehicles with, and though it is a good thing to have multiple companies, so many choices can make it hard to find the best rates for your vehicles.

Finding Insurance Coverage Deals

Comparing insurance coverage rates can be a daunting task if you aren’t aware of the easiest way. You can waste a lot of time talking about coverages with local insurance agents in your area, or you could use online quoting to achieve your goal.

Most of the best insurance companies belong to a marketplace that enables customers to enter their policy data once, and at least one company then returns a price quote based on that data. This system prevents you from having to do form submissions to each company.

To submit your quote information now, click here to open in new window.

The one disadvantage to getting quotes like this is that you can’t choose which carriers you will receive quotes from. So if you want to select from a list of companies to request quotes from, we have assembled a list of low cost insurance coverage companies in your area. Click to view list.

It’s up to you which method you use, but compare apples-to-apples coverages and limits on every quote. If you use different values for each quote then you won’t be able to truly determine the lowest rate. Slightly different coverage limits may result in large price differences. And when price shopping your coverage, comparing a large number of companies will increase your chances of finding a better price.

Discounts to lower 2010 Ford Crown Victoria insurance rates

Companies don’t always advertise every available discount very clearly, so we researched some of the more common and the more hidden insurance savings.

  • Discount for Swiching Early – A few companies offer discounts for switching to them prior to your current policy expiration. The savings is around 10%.
  • Pay Now and Pay Less – If you pay your bill all at once instead of paying each month you may reduce your total bill.
  • Federal Government Employee – Simply working for the federal government can earn a discount up to 10% for Crown Victoria coverage with certain companies.
  • Military Discounts – Being on active duty in the military could be rewarded with lower premiums.
  • Student Driver Training – Require your teen driver to successfully complete driver’s ed class in high school.
  • Claim Free – Drivers with accident-free driving histories pay less compared to bad drivers.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Ford could qualify for lower rates on the low mileage vehicles.
  • Senior Discount – Older drivers may receive reduced rates for Crown Victoria coverage.

Consumers should know that some of the credits will not apply the the whole policy. Most only cut the cost of specific coverages such as comp or med pay. So even though they make it sound like having all the discounts means you get insurance for free, you won’t be that lucky.

For a list of companies who offer insurance discounts, follow this link.

Tailor your coverage to you

When choosing adequate coverage for your vehicles, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s and your policy should reflect that. These are some specific questions may help you determine whether you might need an agent’s assistance.

  • How much liability do I need to cover my assets?
  • What if I owe more than I can insure my car for?
  • When should I remove comp and collision on my 2010 Ford Crown Victoria?
  • What vehicles should carry emergency assistance coverage?
  • Why do I need rental car insurance?
  • Do I have newly-aquired coverage?
  • Do I need more liability coverage?
  • Is borrowed equipment or tools covered if stolen or damaged?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier

Ford Crown Victoria insurance rates have many determining factors

It’s important that you understand the factors that help determine your auto insurance rates. When you know what positively or negatively determines base rates enables informed choices that will entitle you to lower auto insurance prices.

  • Where do you drive? – The more you drive in a year’s time the more you’ll pay to insure your vehicle. Most insurance companies price each vehicle’s coverage based upon how you use the vehicle. Cars and trucks used primarily for pleasure use get more affordable rates as compared to vehicles used primarily for driving to work. Double check that your auto insurance policy is showing the correct driver usage. Incorrect usage on your Crown Victoria may be costing you.
  • Lower deductibles cost more – Deductibles for physical damage define the amount you are required to spend out-of-pocket before a claim is paid by your company. Physical damage coverage, also known as collision and other-than-collision, covers damage that occurs to your car. Some instances where coverage would apply would be running into the backend of another car, vandalism, or theft. The more money you are required to pay out-of-pocket, the lower your rates will be for Crown Victoria coverage.
  • Theft deterrents lower rates – Driving a car with anti-theft technology or alarm system can help bring down rates. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder car theft.
  • Extra coverages can waste money – There are a lot of extra coverages that you can buy when buying auto insurance. Coverages for personal injury protection, towing coverage and term life insurance are some examples. These may sound like a good investment initially, but if they’re wasting money eliminate them to save money.

Detailed coverages of your car insurance policy

Understanding the coverages of a car insurance policy can be of help when determining the best coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the normal coverages available from car insurance companies.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Ford Crown Victoria.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like falling objects, vandalism and hitting a deer. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision insurance

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like crashing into a ditch, colliding with a tree, sustaining damage from a pot hole, hitting a parking meter and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like chiropractic care, rehabilitation expenses, pain medications, doctor visits and X-ray expenses. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Liability car insurance

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

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability can pay for claims like court costs, repair costs for stationary objects, repair bills for other people’s vehicles and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but buy higher limits if possible.

Quote more, save more

When shopping online for car insurance, it’s very important that you do not buy lower coverage limits just to save a few bucks. There have been many situations where an accident victim reduced physical damage coverage only to discover later that they should have had better coverage. The aim is to buy enough coverage at an affordable rate, not the least amount of coverage.

Lower-priced 2010 Ford Crown Victoria insurance is possible from both online companies and with local insurance agents, and you need to price shop both to have the best selection. Some insurance companies do not offer online price quotes and these smaller companies work with independent agents.

We just covered some good ideas how to get a better price on insurance. The key concept to understand is the more price quotes you have, the better your comparison will be. You may be surprised to find that the lowest premiums are with some of the smallest insurance companies. Some small companies may cover specific market segments cheaper than their larger competitors like State Farm or Progressive.

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