Cheaper 1999 Ford Crown Victoria Insurance Rates

Trying to find better car insurance rates for your Ford Crown Victoria? Finding discount car insurance on the web may at first seem to be impossible for people that are not comfortable with quoting and online price comparisons. With so many options of insurers to choose from, how can drivers have the ability to compare every company in order to find the cheapest rates?

How to lower your insurance prices

Lots of factors are taken into consideration when you quote your car insurance policy. Some factors are common sense like a motor vehicle report, but others are more transparent such as your credit history or your commute time.Consumers need to have an understanding of some of the things that help calculate your premiums. When you know what positively or negatively determines base rates, this enables informed choices that could result in cheaper rates.

• What’s your car’s safety rating? – Safer cars tend to have better insurance rates. Safer cars reduce occupant injuries and any reduction in injury severity means less claims paid which can mean better rates for you. If your Ford earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
• Do you really need to file that insurance claims? – Companies generally give most affordable rates to people who do not file claims often. If you are a frequent claim filer, you can definitely plan on higher rates. Auto insurance is meant to be used in the event of major claims that would cause financial hardship.
• Premiums impacted by your city – Choosing to live in small towns and rural areas can be a good thing when shopping for auto insurance. Fewer drivers and short commutes means fewer accidents. People who live in big cities regularly have more aggressive driving styles and a longer drive to work. More time behind the wheel means higher likelihood of an accident.
• Credit rating impacts premiums – Having a bad credit score is a large factor in determining premium rates. So if your credit history can use some improvement, you could be paying less to insure your 1999 Ford Crown Victoria by improving your credit score. People with excellent credit scores tend to be more responsible than those with poor credit.
• Single drivers may have higher prices – Getting married can actually save you money on your insurance policy. It translates into being more responsible it has been statistically shown that drivers who are married file infrequent claims.
• Alarm systems systems cut insurance rates – Selecting a car model that has a built-in theft deterrent system can help lower your rates. Anti-theft features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar help track and prevent auto theft.
• Lower rates with a multi-policy discount – The majority of insurance companies will award a discount to buyers who carry more than one policy such as combining an auto and homeowners policy. If you currently are using one company, drivers will still want to comparison shop to help ensure you have the lowest rates.

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Insurance policy discounts

Companies offering auto insurance don’t always advertise the complete list of policy discounts in a way that’s easy to find, so we break down both the well known and also the more inconspicuous discounts that you may qualify for. If you do not double check each discount available, you are not getting the best rate possible.

• Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.
• Federal Employees – Having worked for a branch of the government could cut as much as 10% off for Crown Victoria coverage but check with your company.
• Low Mileage Discounts – Keeping the miles down on your Ford could qualify for discounted insurancerates on garaged vehicles.
• Discounts for Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% for Crown Victoria coverage as compared to drivers with claims.
• Good Grades Discount – This discount can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
• Active Service Discounts – Being deployed in the military may lower your insurance rates slightly.
• College Student Discount – Older children who are enrolled in a college that is more than 100 miles from home and do not take a car to college may qualify for this discount.
• Early Renewal Discounts – A few insurance companies offer discounts for renewing your policy prior to your current policy expiring. You may see this discount when you get insurance coverage quotes online.
• New Car Discount – Buying insurance on a new vehicle may earn a small discount due to better safety requirements for new model year vehicles.
• Seat Belt Discounts – Buckling up and requiring all passengers to buckle up before driving can save up to 15% on medical payment and PIP coverage.

A little disclaimer on discounts, many deductions do not apply to all coverage premiums. Most cut individual premiums such as comprehensive or collision. So even though it sounds like all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

Companies and some of the discounts are shown below.

• American Family offers discounts including accident-free, good driver, multi-vehicle, defensive driver, TimeAway discount, early bird, and good student.
• Nationwide offers discounts for good student, family plan, accident-free, easy pay, Farm Bureau membership, and defensive driving.
• MetLife includes discounts for defensive driver, claim-free, good driver, multi-policy, and accident-free.
• 21st Century has discounts for homeowners, anti-lock brakes, theft prevention, automatic seat belts, and defensive driver.
• Farmers Insurance discounts include good student, early shopping, mature driver, homeowner, and electronic funds transfer.
• Allstate offers premium reductions for premier plus, premier discount, defensive driver, farm vehicle, senior citizen, anti-lock brakes, and resident student.

When quoting, ask each insurance company which discounts you qualify for. All car insurance discounts may not apply to policies in your area. For a list of insurance companies that provide some of the discounts listed above, click here to view.

Do you really save 40% when you switch?

Companies like Allstate, Geico and Progressive consistently run ads in print and on television. All the ads tend to make the same promise about saving some big amount if you get a free insurance coverage quote and switch your car insurance policy to them. How does each company give you a better price? Just pay attention to how they say it.

Car insurance companies offer their best rates for the type of customer they prefer to insure. For example, this type of insured may be a female over age 40, has no tickets, and the vehicle is rated for pleasure use. Anybody who fits those characteristics will get very good prices and will also save money with a new company.

Insureds who fall outside the “perfect” profile may be required to pay higher premiums and the customer buying from a different company. The ad wording is “people who switch” not “everybody who quotes” save money. That’s why companies can advertise the way they do. This really emphasizes why it’s extremely important to get insurance coverage quotes from several different companies. It’s impossible to know which company will provide you with the cheapest premium rates.

How do I know if I need professional advice?

When choosing adequate coverage, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s.

For instance, these questions may help highlight whether your personal situation might need an agent’s assistance.

• Should I buy more coverage than the required minimum liability coverage?
• Does my policy cover my teen driver if they drive my company car?
• Why do I need rental car insurance?
• What is the difference between comprehensive and collision coverage?
• Does my 1999 Ford Crown Victoria qualify for pleasure use?
• Am I insured when driving a different vehicle?
• Do I need an umbrella policy?
• Do I have newly-aquired coverage?
• Does insurance cover damages from a DUI accident?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out this quick form.

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Insurance coverages 101

Learning about specific coverages of a insurance policy can help you determine the best coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Comprehensive coverage

This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as fire damage, a tree branch falling on your vehicle and hitting a bird. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage

This coverage covers damage to your Crown Victoria resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims like rolling your car, scraping a guard rail and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. You can also increase the deductible to save money on collision insurance.

Liability insurance

Liability coverage can cover damage that occurs to other’s property or people in an accident. It protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

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. You commonly see limits of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability can pay for things like legal defense fees, pain and suffering, loss of income, emergency aid and funeral expenses. The amount of liability coverage you purchase is up to you, but consider buying as large an amount as possible.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as damage to your Ford Crown Victoria.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for short-term medical expenses for things like EMT expenses, surgery and dental work. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Smart consumers save more

While you’re price shopping online, never skimp on critical coverages to save a buck or two. There are a lot of situations where an insured dropped collision coverage only to regret at claim time they didn’t have enough coverage. Your objective should be to purchase plenty of coverage for the lowest cost while still protecting your assets.

Cheap 1999 Ford Crown Victoria insurance is possible from both online companies and from local insurance agents, and you need to price shop both so you have a total pricing picture. A few companies don’t offer price quotes online and usually these small insurance companies provide coverage only through independent insurance agents.

In this article, we presented many ways to lower your 1999 Ford Crown Victoria insurance rates. The key thing to remember is the more price quotes you have, the better your chances of lowering your car insurance rates. You may even find the most savings is with a small local company.

More detailed insurance information is available in these articles:

• Should I Buy a New or Used Car? (Allstate)
• Vehicle Insurance (Wikipedia)
• Anti-Lock Brake FAQ (iihs.org)
• How to Avoid Common Accidents (State Farm)

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