1999 Ford Crown Victoria Insurance Quotes

Looking for the cheapest insurance rates for your Ford Crown Victoria? Sick and tired of trying to scrape together enough money to buy car insurance? Your situation is no different than many other drivers. Big companies like Allstate, Liberty Mutual and State Farm all promote huge savings with ads and it is difficult to separate fact from fiction and find the best price available.

If you are insured now or are just looking to switch companies, you can learn to shop for the lowest rates while maintaining coverages. Buying car insurance is not rocket science. Consumers just need to learn the best way to compare company rates on the web.

Vehicle Insurance Comparison

Reducing your 1999 Ford Crown Victoria insurance rates can be surprisingly simple. Consumers just need to spend a few minutes on the computer comparing rates from different insurance companies. This can be accomplished in several different ways.

  • One of the best ways to get quotes for comparison is an all-inclusive rate comparison click to view form in new window. This method saves time by eliminating separate quote forms for each company you want a rate for. Filling out one form will return price quotes from multiple low-cost companies.
  • A more time consuming way to shop for car insurance online consists of visiting each company website to request a price quote. For examples sake, let’s say you want comparison quotes from Nationwide, Allstate and Liberty Mutual. To get rate quotes you would need to take the time to go to each site and enter your information, which is why most consumers use the first method.

    To view a list of companies in your area, click here.

However you get your quotes, double check that you are using apples-to-apples coverages on every quote. If you use unequal deductibles or liability limits it will be impossible to decipher which rate is best.

Discounts are available to cut your rates

Auto insurance companies don’t always publicize all available discounts very clearly, so we researched some of the best known and the harder-to-find discounts you could be receiving. If you’re not getting every credit you deserve, you are throwing money away.

  • Drive Safe and Save – Safe drivers can get discounts for up to 45% lower rates for Crown Victoria insurance than less cautious drivers.
  • Multiple Cars – Insuring all your vehicles on one policy may reduce the rate for each vehicle.
  • Employee of Federal Government – Active or retired federal employment may qualify you for a discount for Crown Victoria insurance with select insurance companies.
  • Theft Prevention System – Cars that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • E-sign – Some insurance companies will give a small break for buying a policy and signing up online.
  • Service Members Pay Less – Being deployed with a military unit could be rewarded with lower premiums.
  • Pay Upfront and Save – If paying your policy premium upfront instead of paying each month you can actually save on your bill.

As a disclaimer on discounts, most discount credits are not given to the entire cost. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think adding up those discounts means a free policy, you’re out of luck.

For a list of providers offering insurance coverage discounts, click this link.

Everyone needs different coverages

When choosing the right insurance coverage for your personal vehicles, there really is no one size fits all plan. Everyone’s situation is unique and your policy should reflect that. For example, these questions might help in determining whether you will benefit from professional help.

  • Will I be non-renewed for getting a DUI or other conviction?
  • Who is covered when they drive my 1999 Ford Crown Victoria?
  • Where can I get insurance after a DUI in my state?
  • Am I getting all the discounts available?
  • Are my friends covered when driving my car?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Are split liability limits better than a combined single limit?
  • Does coverage extend to a rental car in a foreign country?
  • Do I have coverage when making deliveries for my home business?

If it’s difficult to answer those questions, you may need to chat with an agent. If you don’t have a local agent, complete this form or click here for a list of car insurance companies in your area. It only takes a few minutes and may give you better protection.

The coverage is in the details

Understanding the coverages of your policy can help you determine the best coverages and proper limits and deductibles. Insurance terms can be impossible to understand and nobody wants to actually read their policy. These are the normal coverages offered by insurance companies.

Medical expense insurance – Med pay and PIP coverage provide coverage for short-term medical expenses like prosthetic devices, EMT expenses and hospital visits. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover you and your occupants as well as if you are hit as a while walking down the street. PIP is not available in all states and gives slightly broader coverage than med pay

Comprehensive (Other than Collision) – This will pay to fix 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 pays for things such as falling objects, fire damage and damage from getting keyed. The most a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

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

Collision coverage pays for things like scraping a guard rail, hitting a mailbox, crashing into a ditch and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Liability insurance – Liability coverage will cover damage that occurs to a person or their property. This coverage protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers things like loss of income, repair costs for stationary objects and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your 1999 Ford Crown Victoria.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.