2009 Ford Crown Victoria Insurance Quotes – 10 Tips for Best Rates

Pricey Ford Crown Victoria insurance can draw down your family’s budget and force you to prioritize other expenses. Price shopping at each renewal can be a smart way to tighten up your finances.

Because there are so many choices, it is very difficult to pick a more affordable insurance company.

More discounts mean cheaper premiums

Car insurance is easily one of your largest bills, but you may find discounts that many consumers don’t even know exist. Certain discounts will be applied when you get a quote, but occassionally some discounts must be requested specifically before being credited.

• Auto/Home Discount – When you have multiple policies and insure them both with the same insurance company you may save at least 10% off all policies.
• New Car Discount – Buying car insurance coverage on a new vehicle is cheaper because new model year vehicles are generally safer.
• Passive Restraints – Vehicles equipped with air bags or automatic seat belts can qualify for discounts as much as 30%.
• Pay Upfront and Save – If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
• Multi-car Discount – Insuring multiple cars on a single policy can reduce rates for all insured vehicles.
• Homeowners Savings – Just being a homeowner may trigger a policy discount on car insurance because it means you have a higher level of financial diligence.
• Active Service Discounts – Being deployed in the military can result in better prices.
• Low Miles Discount – Keeping the miles down on your Ford may allow you to get lower prices on the low mileage vehicles.
• Renewal Discounts – Some larger companies provide a discount for switching companies early. This can save 10% or more.
• Defensive Driver Discounts – Taking a course teaching driver safety skills is a good idea and can lower rates if you qualify.

Don’t be surprised that some credits don’t apply to the entire cost. Some only apply to the cost of specific coverages such as medical payments or collision. So when it seems like you can get free auto insurance, you aren’t that lucky.

A list of companies and the discounts they provide can be read below.

• Mercury Insurance offers discounts including location of vehicle, accident-free, type of vehicle, good driver, low natural disaster claims, and age of vehicle.
• Farmers Insurance has discounts for bundle discounts, business and professional, electronic funds transfer, switch companies, homeowner, and multi-car.
• Farm Bureau may offer discounts for multi-vehicle, youthful driver, good student, safe driver, 55 and retired, multi-policy, and renewal discount.
• State Farm offers discounts for Drive Safe & Save, accident-free, good driver, good student, safe vehicle, anti-theft, and defensive driving training.
• Allstate has savings for economy car, anti-theft, 55 and retired, premier discount, FullPay discount, senior citizen, and passive restraint.
• Geico includes discounts for military active duty, membership and employees, multi-vehicle, emergency military deployment, air bags, and five-year accident-free.

If you need lower rates, check with every company what discounts are available to you. Some discounts listed above may not apply to policyholders in your area. For a list of companies that offer many of these discounts, click here to view.

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But they said I’d save $461 a year!

Auto insurance companies such as Progressive, Allstate and Geico endlessly run ads on TV and radio. All the ads say the same thing about saving some big amount just by switching your policy. But how can every company offer you a better deal?

Most companies require specific criteria for the type of driver that will not have excessive claims. An example of a driver they prefer might be over age 30, has no tickets, and chooses high deductibles. Any customer who fits those characteristics will probably get the lowest rates and will also save money with a new company.

People who don’t qualify for these criteria may be required to pay higher premiums which usually ends up with the customer buying from someone else. The ads state “customers that switch” not “everyone who quotes” save that much money. This is how insurance companies can confidently make the claims of big savings. Because of this risk profiling, it is so important to compare many company’s rates. It’s just not possible to know which insurance companies will fit your personal profile best.

It’s not one size fits all

When it comes to choosing coverage for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s needs are different so this has to be addressed. These are some specific questions may help you determine if you will benefit from professional help.

• When do I need to add a new car to my policy?
• At what point should I drop full coverage?
• When would I need additional glass coverage?
• How high should my uninsured/underinsured coverage be in my state?
• Does my 2009 Ford Crown Victoria need full coverage?
• Why am I required to buy liability insurance?
• Does liability extend to a camper or trailer?
• When should my teen driver be added to my policy?
• Is rental equipment covered for theft or damage?
• Will my vehicle be repaired with OEM or aftermarket parts?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier

Insurance coverages 101

Understanding the coverages of a insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Insurance terms can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverage types available from insurance companies.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your Ford Crown Victoria.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like fire damage, hitting a deer and damage from getting keyed. The most you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverage

Collision insurance covers damage to your Crown Victoria caused by collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like damaging your car on a curb, hitting a parking meter and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Auto liability insurance

This provides protection from injuries or damage you cause to other’s property or people that is your fault. It protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims such as emergency aid, legal defense fees, attorney fees and court costs. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for nursing services, chiropractic care, X-ray expenses and EMT expenses. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

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Save for a rainy day

You just read a lot of tips how to lower your 2009 Ford Crown Victoria insurance premium rates. The key thing to remember is the more times you quote, the better your comparison will be. Drivers may discover the biggest savings come from a company that doesn’t do a lot of advertising. Regional companies can often insure niche markets at a lower cost than their larger competitors like Geico and State Farm.

Lower-priced auto insurance can be purchased from both online companies in addition to many insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some auto insurance companies may not have the ability to get a quote online and usually these regional carriers work with local independent agencies.

More detailed auto insurance information is available in these articles:

• Older Drivers FAQ (iihs.org)
• State Car Insurance Guides (Geico)
• Collision Insurance Coverage (Nationwide)
• Airbag FAQ (iihs.org)
• How do I File a Claim? (Insurance Information Insitute)

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