Lower Your 2002 Ford Crown Victoria Insurance Quotes

Trying to find lower insurance rates for your Ford Crown Victoria? Did you fall for a flashy sales pitch and buy high-priced insurance? Trust us, you are not the only one feeling buyer’s remorse.

There are many car insurance companies to purchase coverage from, and although it’s a good thing to have a selection, having more insurers makes it harder to adequately compare rates.

Best discounts on Ford Crown Victoria coverage

Insurance can cost an arm and a leg, but you may find discounts that can drop the cost substantially. Most are applied when you quote, but some may not be applied and must be inquired about before being credited.

  • Early Signing – Some insurance companies reward drivers for signing up prior to your current policy expiring. This can save 10% or more.
  • Payment Discounts – If you pay your bill all at once rather than paying monthly you could save 5% or more.
  • Multi-car Discount – Buying insurance for more than one vehicle with the same company could earn a price break for each car.
  • No Accidents – Claim-free drivers pay much less compared to drivers who are more careless.
  • Save over 55 – If you’re over the age of 55, you may be able to get better insurance rates for Crown Victoria coverage.
  • Passive Restraints – Factory air bags and/or automatic seat belt systems can receive discounts of 20% or more.
  • Defensive Driving Course – Successfully completing a course teaching defensive driving skills can save you 5% or more if you qualify.

Keep in mind that some of the credits will not apply to your bottom line cost. Most only cut specific coverage prices like medical payments or collision. Just because you may think it’s possible to get free car insurance, it just doesn’t work that way. But any discount will cut the amount you have to pay.

Companies that may have some of the above discounts may include but are not limited to:

Before buying, ask each company which discounts they offer. Discounts may not be available everywhere.

Tailor your coverage to you

When it comes to choosing coverage, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. Here are some questions about coverages that can help discover if you may require specific advice.

  • What is UM/UIM insurance?
  • Should I have a commercial auto policy?
  • Am I covered when delivering products for my home-based business?
  • Why do I need rental car insurance?
  • Is business equipment covered while in my vehicle?
  • What is covered by UM/UIM coverage?
  • Is my 2002 Ford Crown Victoria covered for flood damage?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is there coverage for injuries to my pets?
  • What is the minimum liability in my state?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Do you really save 40% when you switch?

State Farm and Allstate constantly bombard you with ads on television and other media. All the companies say the same thing that you can save if you switch your coverage to them. How does each company make the same claim? This is how they do it.

Different companies have a certain “appetite” for the type of customer they prefer to insure. An example of a driver they prefer could be between the ages of 30 and 50, owns a home, and has excellent credit. Any new insured that hits that “sweet spot” gets the lowest rates and most likely will cut their rates substantially.

Consumers who fall outside these standards will be quoted higher premiums which leads to the driver buying from a lower-cost company. The ad wording is “drivers who switch” but not “drivers who get quotes” save that kind of money. That is how companies can advertise the savings.

This emphasizes why it is so important to get quotes from several different companies. It’s not possible to predict the company that will provide you with the cheapest Ford Crown Victoria insurance rates.

Coverages available on your insurance policy

Having a good grasp of your insurance policy can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Listed below are typical coverage types found on the average insurance policy.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for pain medications, X-ray expenses, doctor visits and EMT expenses. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Auto liability

Liability insurance can cover damage or injury you incur to other’s property or people that is your fault. It protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Alternatively, you may have a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims like medical services, medical expenses, emergency aid, court costs and bail bonds. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, vandalism, a broken windshield and fire damage. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Ford Crown Victoria.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these coverages do not exceed the liability coverage limits.

Collision coverage protection

Collision coverage pays for damage to your Crown Victoria from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like driving through your garage door, crashing into a ditch, rolling your car, crashing into a building and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Shop Smart and Save

Affordable 2002 Ford Crown Victoria insurance can be found from both online companies as well as from independent agents, so you should be comparing quotes from both to have the best rate selection. Some auto insurance companies don’t offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.

While you’re price shopping online, make sure you don’t skimp on coverage in order to save money. In many instances, someone sacrificed comprehensive coverage or liability limits to discover at claim time that it was a big error on their part. The ultimate goal is to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.

We covered a lot of techniques to save on insurance. The key thing to remember is the more providers you compare, the better your comparison will be. You may even discover the most savings is with a company that doesn’t do a lot of advertising. These smaller insurers may only write in your state and offer lower rates than their larger competitors like Progressive or Geico.

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