1990 Ford LTD Crown Victoria Insurance Rates – 9 Tips for Best Quotes

Searching for cheaper insurance for your Ford LTD Crown Victoria could be a painful process, but you can follow a few tricks to make it easier. There is a right way and a wrong way to compare car insurance rates so we’re going to tell you the absolute fastest way to quote coverages for a new or used Ford and find the cheapest rates.

It’s smart to take a look at other company’s rates yearly since insurance rates are rarely the same from one policy term to another. Despite the fact that you may have had the lowest price for LTD Crown Victoria coverage last year there may be better deals available now. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to one of the best ways to lower your rates without sacrificing coverage.

These nine discounts can lower your rates

Car insurance companies don’t list every available discount very clearly, so here is a list both well-publicized and the more hidden discounts you could be receiving. If you’re not getting every credit you deserve, you are paying more than you should be.

  • Distant Student – Kids in college who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and qualify for as much as a 10% discount.
  • Homeowners Savings – Simply owning a home may trigger a insurance coverage policy discount because of the fact that having a home shows financial diligence.
  • Multi-car Discount – Having more than one vehicle on the same insurance coverage policy can get a discount on all vehicles.
  • Employee of Federal Government – Employees or retirees of the government may qualify you for a discount for LTD Crown Victoria coverage depending on your company.
  • Auto/Home Discount – When you have multiple policies with one insurance company you could get a discount of up to 20% off your total premium.
  • Drive Less and Save – Driving fewer miles could be rewarded with better rates on cars that stay parked.
  • Seat Belts Save more than Lives – Drivers who require all occupants to buckle their seat belts can save up to 15% off your medical payments premium.
  • Paperwork-free – Some insurance companies will give a small break for buying a policy and signing up over the internet.

Drivers should understand that most of the big mark downs will not be given to the entire policy premium. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates you would end up receiving a 100% discount, companies wouldn’t make money that way.

A partial list of companies who might offer these money-saving discounts include:

Double check with every prospective company which discounts you may be entitled to. All car insurance discounts might not be offered in your area.

Where Can I Get Cheap Insurance?

Effectively comparing insurance prices can take hours if you don’t understand the most efficient way to do it. You can spend your afternoon talking to insurance agencies in your area, or you could save time and use online quotes to accomplish the same thing much quicker.

Most car insurance companies participate in a marketplace that enables customers to complete one form, and every company then returns a price quote based on that information. This prevents consumers from doing quotation requests for every insurance company.

To enter your information into the quoting system, click here to open in new window.

One minor caviat to using this type of form is you cannot specify which insurance companies to receive prices from. So if you prefer to pick specific insurance companies to compare prices, we put together a list of low cost insurance companies in your area. Click here for list of insurance companies.

However you get your quotes, make darn sure you compare identical quote information for each price quote. If you use different deductibles you will not be able to determine the best price for your Ford LTD Crown Victoria.

Different people need different coverages

When buying coverage for your personal vehicles, there really is not a one size fits all plan. Everyone’s situation is unique.

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

  • What are the financial responsibility laws in my state?
  • Should I waive the damage coverage when renting a car?
  • Do I have newly-aquired coverage?
  • When does my teenage driver need to be added to my policy?
  • I have a DUI can I still get coverage?
  • Should I buy only the required minimum liability coverage?
  • Should I get collision insurance on every vehicle?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Do I need PIP coverage since I have good health insurance?
  • What if I total my 1990 Ford LTD Crown Victoria and owe more than it’s worth?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and can help protect your family.

Is there deception in advertising?

Consumers get pounded daily by advertisements that promise big savings by Allstate and Progressive. They all seem to make the same claim about savings if you change to their company.

How does each company make the same claim? It’s all in the numbers.

All companies have a certain “appetite” for the type of customer that is profitable for them. For example, a desirable insured could be a mature driver, has no prior claims, and chooses high deductibles. A propective insured that hits that “sweet spot” receives the best rates and is almost guaranteed to save a lot of money.

Consumers who don’t measure up to this ideal profile will have to pay a higher premium which usually ends up with the customer not buying. The ads state “customers that switch” but not “drivers who get quotes” save that much. That is how insurance companies can confidently advertise the way they do. Because of the profiling, you need to get as many quotes as possible. It’s just too difficult to predict which insurance companies will give you the biggest savings on Ford LTD Crown Victoria insurance.

Coverages available on your policy

Having a good grasp of insurance helps when choosing the best coverages for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Ford LTD Crown Victoria.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Comprehensive coverages

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, hail damage, damage from a tornado or hurricane and damage from flooding. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Auto liability

This provides protection from damage or injury you incur to other people or property by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims like repair bills for other people’s vehicles, pain and suffering and loss of income. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

Coverage for medical payments

Med pay and PIP coverage provide coverage for immediate expenses for things like pain medications, rehabilitation expenses, EMT expenses and nursing services. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage

Collision coverage protection

Collision insurance covers damage to your LTD Crown Victoria caused by collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like colliding with another moving vehicle, sustaining damage from a pot hole, colliding with a tree, scraping a guard rail and damaging your car on a curb. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Shop smart and save

While you’re price shopping online, make sure you don’t skimp on coverage in order to save money. There are a lot of situations where an accident victim reduced full coverage and found out when filing a claim they didn’t have enough coverage. Your strategy should be to get the best coverage possible for the lowest price while still protecting your assets.

Drivers leave their current company for any number of reasons including policy cancellation, delays in paying claims, not issuing a premium refund and even unfair underwriting practices. It doesn’t matter why you want to switch choosing a new insurance company is not as hard as you think.

Cost effective 1990 Ford LTD Crown Victoria insurance is definitely available from both online companies as well as from independent agents, and you need to comparison shop both to have the best selection. Some insurance companies don’t offer you the ability to get quotes online and these smaller companies work with independent agents.

For more information, feel free to browse the resources below: