View 2008 Ford Crown Victoria Insurance Rates

Overpriced auto insurance can empty your personal savings and possibly require you to analyze your spending habits. Shopping your coverage around is free, only takes a few minutes, and is a good way to tighten up your finances.

Companies like Allstate, Liberty Mutual and State Farm all claim big savings with fancy advertisements and consumers find it hard to ignore the flying pigs and cute green geckos and effectively compare rates to find the best deal.

It’s smart to compare prices as often as possible since insurance prices are adjusted regularly by insurance companies. Despite the fact that you may have had the best deal on Crown Victoria coverage at your last renewal you may be paying too much now. Forget anything you know (or think you know) about auto insurance because I’m going to teach you one of the best ways to find lower rates on auto insurance.

Ways to get insurance quotes

There are multiple methods to compare insurance prices but some are more efficient than others. You can spend your afternoon talking to insurance agencies in your area, or you could save time and use the internet for quick rates.

Many companies participate in an industry program that allows shoppers to only type in their quote data once, and at least one company can give them a price. This eliminates the need for quote requests for every insurance company.

To enter your information into the quoting system, click to open in new window.

The only downside to pricing coverage this way is you cannot specify which insurance companies you will receive quotes from. So if you want to select specific insurance companies to compare, we have a page of low cost insurance companies in your area. Click to view list.

It doesn’t matter which method you choose, just compare exactly the same information for every quote you compare. If you are comparing differing limits you will not be able to make an equal comparison. Just slight variations in limits could skew the results. It’s important to know that comparing a large number of companies helps locate the best offered rates.

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Can you really save if you switch?

Companies like State Farm, Allstate and Geico continually stream television, radio, and online ads. They all convey the message that you can save if you just switch to their company. Is it even possible that every company can give you a better price? It’s all in the wording.

Insurance companies have specific criteria for the type of insured that makes them money. For instance, a preferred risk might be described as between 25 and 40, carries full coverage, and chooses high deductibles. Someone that fits those parameters will get the preferred prices as well as save when switching.

Potential insureds who fall short of those standards will probably have to pay a higher rate and business going elsewhere. The trick is to say “people who switch” but not “everyone who gets a quote” save that much when switching. That’s the way companies can truthfully lure you into getting a quote. That is why drivers should get as many free auto insurance quotes as possible. It’s just too difficult to predict with any certainty which company will have the best car insurance rates for your profile.

Get lower-cost auto insurance with discounts

Auto insurance companies do not advertise every available discount in a way that’s easy to find, so the following is a list of a few of the more well known and the harder-to-find credits that may apply to you. If you’re not getting every credit you deserve, you are just wasting money.

• Government Employee Discount – Having worked for a branch of the government can save as much as 8% on Crown Victoria coverage depending on your company.
• Discounts for New Vehicles – Insuring a new car can be considerably cheaper because newer vehicles have to meet stringent safety requirements.
• Paper-free Discount – Certain larger companies will give a small break for signing up on their website.
• Drive Safe and Save – Accident-free drivers can pay as much as 50% less on Crown Victoria coverage than drivers with accidents.
• Discount for Home Ownership – Being a homeowner can help you save on auto insurance because owning a home is proof that your finances are in order.

A little disclaimer on discounts, most discount credits are not given the the whole policy. Most only cut the cost of specific coverages such as comp or med pay. So when it seems like all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

Insurance companies that possibly offer these discounts possibly include:

• State Farm
• Geico
• Allstate
• SAFECO
• Farm Bureau
• Progressive
• AAA

Before buying, ask every company to give you their best rates. Depending on the company, some discounts may not be available in your area. To view insurance companies that can offer you the previously mentioned discounts, click here to view.

Tailor your car insurance coverage to you

When choosing adequate coverage, there isn’t really a one size fits all plan. Every insured’s situation is different and your policy should reflect that. For instance, these questions may help highlight whether you might need professional guidance.

• What are the best liability limits?
• How do I buy GAP insurance?
• How can I get high-risk coverage after a DUI?
• How do I insure my teen driver?
• What discounts do I qualify for?
• Do I pay less if my vehicle is kept in my garage?
• Does my insurance cover my expensive audio equipment?
• What is an SR-22 filing?
• How much liability insurance is required?
• Is my ex-spouse still covered by my policy?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier

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Auto insurance coverage information

Knowing the specifics of a car insurance policy can be of help when determining the best coverages for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Shown next are the usual coverages offered by car insurance companies.

Collision insurance

Collision insurance will pay to fix damage to your Crown Victoria resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as crashing into a building, sideswiping another vehicle, damaging your car on a curb and rolling your car. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they 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.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive or Other Than Collision

This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like a broken windshield, hitting a deer and vandalism. The highest amount 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.

Coverage for liability

This will cover damage or injury you incur to people or other property in an accident. It protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

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 liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage pays for claims like structural damage, legal defense fees and attorney fees. How much liability coverage do you need? That is your choice, but buy higher limits if possible.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as nursing services, pain medications, surgery, X-ray expenses and chiropractic care. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage on a shoestring budget

As you restructure your insurance plan, do not buy less coverage just to save a little money. In many instances, drivers have reduced liability limits or collision coverage only to discover later that it was a big mistake. Your focus should be to buy enough coverage at the best possible price while not skimping on critical coverages.

We covered many ways to lower your 2008 Ford Crown Victoria insurance car insurance rates. The key concept to understand is the more companies you get premium rates for, the better likelihood of getting cheaper auto insurance. Drivers may discover the best car insurance rates are with some of the smallest insurance companies. Smaller companies often have lower premium rates on specific markets as compared to the big name companies such as State Farm or Progressive.

Additional learning opportunities

• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• Liability Insurance Coverage (Nationwide)
• Vehicle Insurance in the U.S. (Wikipedia)
• Rental Car Insurance Tips (Insurance Information Insitute)
• Medical Payments Coverage (Liberty Mutual)
• What is a Telematics Device? (Allstate)

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