Cheap 2003 Ford Crown Victoria Insurance Rates

No one in their right mind enjoys paying for auto insurance, particularly when their premiums are too high. Many auto insurance companies compete for your insurance dollar, and because of this it can be hard to compare insurance companies and uncover the absolute lowest rate

It’s important to shop coverage around every six months because prices are adjusted regularly by insurance companies. Despite the fact that you may have had the best rates on Crown Victoria coverage on your last policy you can probably find a better price now. Forget anything you know (or think you know) about auto insurance because we’re going to demonstrate the best methods to save money, get proper deductibles and limits, all at the lowest rate.

If you have a policy now or are looking for a new policy, you will benefit by learning to get lower rates and still get good coverage. Choosing the best insurance company for you is quite easy. Drivers only need to know the most effective way to find the lowest price online.

The most recommended method to compare policy rates is to realize auto insurance companies participate in online systems to give free rates quotes. The one thing you need to do is provide information such as if you require a SR-22, driver details, how many miles driven, and any included safety features. That rating data gets sent immediately to all major companies and you will receive price estimates almost instantly.

To compare rates for a 2003 Ford Crown Victoria now, click here and enter your coverage details.

You are unique and your insurance coverage should be too

When it comes to choosing proper insurance coverage, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs so this has to be addressed. Here are some questions about coverages that may help highlight whether or not you would benefit from an agent’s advice.

• Should I sign the liability waiver when renting a car?
• Is my 2003 Ford Crown Victoria covered for flood damage?
• What is the difference between comprehensive and collision coverage?
• Am I better off with higher deductibles on my 2003 Ford Crown Victoria?
• Is my Ford Crown Victoria covered if I use it for business?
• How high should my medical payments coverage be?
• Do I get a pro-rated refund if I cancel my policy early?
• How can I force my company to pay a claim?
• Should I drop comprehensive coverage on older vehicles?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Specific coverages for a Ford Crown Victoria

Understanding the coverages of a auto insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. These are the normal coverages available from auto insurance companies.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Usually these limits are identical to your policy’s liability coverage.

Comprehensive coverage – This covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as rock chips in glass, theft, damage from flooding and damage from getting keyed. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision – 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 and then insurance will cover the remainder.

Collision insurance covers things like sustaining damage from a pot hole, colliding with another moving vehicle, colliding with a tree, scraping a guard rail and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as chiropractic care, hospital visits, doctor visits and EMT expenses. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. It covers you and your occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Auto liability – This protects you from damage that occurs to people or other property in an accident. It protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things like repair bills for other people’s vehicles, funeral expenses and attorney fees. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford.