1995 Ford Crown Victoria Insurance Rates – 5 Ways to Save

Want lower insurance rates for your Ford Crown Victoria? Have you fallen victim to high-priced insurance? Believe me, many consumers feel financially strained by their insurance policy. With consumers having so many companies to choose from, it’s difficult to locate the most cost effective company.

This article will familiarize you with how to get online quotes and some tricks to saving. If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using these methods. Vehicle owners only need to know the proper methods to compare price quotes online.

How to Lower Your Auto Insurance Cost

Finding a lower price on 1995 Ford Crown Victoria insurance isn’t really that difficult. You just need to take the time comparing price quotes online with multiple companies. It is quite easy and can be accomplished in several different ways.

The first (and easiest) way to get quotes for comparison would be an industry-wide quote request form (click to open form in new window). This form keeps you from doing repetitive form submissions to each individual auto insurance company. A single, simple form will get you rate comparisons from all major companies.

Another way to shop for auto insurance online is spending the time to visit the website for each individual company and fill out their own quote form. For sake of this example, let’s assume you want to compare rates from Progressive, Esurance and American Family. To get each rate you have to take the time to go to each site and enter your information, and that’s why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

The hardest way to get comparison rates is to drive around to and from local insurance agencies. The internet has reduced the need for local agents unless you want the professional advice only provided by licensed agents. It is possible to compare online quotes and get advice from an agent in your area. We’ll cover that shortly.

However you get your quotes, ensure you are comparing apples-to-apples coverage limits on every quote. If each company quotes higher or lower deductibles then you won’t be able to determine the best price for your Ford Crown Victoria.

Tailor your coverage to you

When it comes to buying the best insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Every insured’s situation is different so this has to be addressed. For example, these questions may help highlight if your situation might need professional guidance.

  • Do I need roadside assistance coverage?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Do I need special endorsements for business use of my vehicle?
  • Am I covered if I hit a deer?
  • How high should deductibles be on a 1995 Ford Crown Victoria?
  • Should I buy additional glass protection?
  • Do I get a pro-rated refund if I cancel my policy early?
  • What discounts do I qualify for?
  • Do I have coverage when using my vehicle for my home business?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance companies in your area. It only takes a few minutes and can provide invaluable advice.

Auto insurance coverage information

Learning about specific coverages of your insurance policy can be of help when determining the best coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. Below you’ll find the usual coverages offered by insurance companies.

Auto liability – This coverage protects you from damage or injury you incur to a person or their property by causing an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like court costs, pain and suffering, legal defense fees and bail bonds. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

Medical costs insurance – Coverage for medical payments and/or PIP pay for short-term medical expenses such as chiropractic care, nursing services, doctor visits and rehabilitation expenses. They are often used in conjunction with a health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision – This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like damage from a tornado or hurricane, fire damage and hail damage. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Collision coverage – Collision coverage pays for damage to your Crown Victoria resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like crashing into a ditch, rolling your car, backing into a parked car, sustaining damage from a pot hole and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.