2001 Ford Crown Victoria Insurance Cost

Searching for better auto insurance rates for your Ford Crown Victoria? Searching for the cheapest auto insurance can appear to be rather challenging for people new to comparing and buying auto insurance online. With a ridiculous number of companies competing online, how can people have time to compare every auto insurance company to find the cheapest available price?

Smart consumers know how to quote car insurance at a discount

Many things are used in the calculation when pricing auto insurance. A few of the factors are predictable like an MVR report, but others are less obvious like your vehicle usage or your commute time.

• When should you not file a insurance claims? – Car insurance companies give cheaper rates to insureds who do not rely on their insurance for small claims. If you frequently file small claims, you can expect increased rates or even have your policy non-renewed. Your insurance policy is meant to be used in the event of the large, substantial claims.
• Multi-policy discounts can save money – Some insurers afford a discount to policyholders that purchase more than one policy, otherwise known as a multi-policy discount. Even if you qualify for this discount already, drivers will still want to compare other company rates to guarantee you are still saving the most. Drivers may still find lower rates even if you have your coverage with different companies
• Cheaper to insure women? – Statistics demonstrate women tend to be less risk to insure than men. The data does not necessarily mean that women are better drivers. Women and men cause fender benders at about the same rate, but the male of the species get into accidents with more damage. Men also tend to get cited for more serious violations such as DWI and reckless driving. Young men ages 16 to 20 are the most expensive to insure and therefore have the most expensive car insurance rates.
• Defend yourself with liability coverage – Liability coverage is the coverage that protects you when you are ruled to be at fault for causing personal injury or damage in an accident. Liability provides legal defense which can be incredibly expensive. It is affordable coverage compared to physical damage coverage, so insureds should have plenty of protection for their assets.

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How to lower your insurance cost

When shopping for cheap auto insurance quotes, there are a couple of ways to get quotes from companies that offer insurance in your state. The recommended way to compare 2001 Ford Crown Victoria insurance prices is to get quotes online. This can be done in a couple minutes as outlined below.

1. The fastest and easiest way consumers can make multiple comparisons would be an industry-wide quote request form like this one (opens in new window). This form keeps you from doing separate quotation requests for every company. In just a few minutes this one form gets insurance cost estimates from many national carriers. Recommended for those who want to invest the least amount of time.
2. A more difficult way to find lower rates requires visiting the website for each individual company to complete a price quote. For example, we’ll pretend you need rates from USAA, Liberty Mutual and American Family. In order to get each rate, you would have to go to each individual site and enter your information, and that explains why we recommend the first method.

   For a list of companies in your area, click here.

3. The most difficult method to find cheaper rates is to spend time driving to different agent offices. Comparing online rate quotes has made agencies unnecessary unless you want the professional assistance that you can only get from talking to an agent. You can, however, get prices online but still have the advice of a local agent.

Whichever way you choose to compare rates, be sure to compare apples-to-apples coverages for every company. If your comparisons have higher or lower deductibles you will not be able to make an equal comparison. Slightly different coverages may result in large price differences. Just keep in mind that comparing more rates from different companies will improve the odds of getting the best rates. Not every company does rate quotes online, so it’s important to compare price estimates on coverage from those companies, too.

Save $485 a year? Really?

Respected companies like 21st Century, Allstate and State Farm consistently run ads on television and other media. All the companies convey the message that drivers will save a bundle if you change your policy. How do they all sell you cheaper insurance coverage? Here is the trick they use.

Many companies quote their cheapest rates for the driver that will add to their bottom line. One example of a profitable insured might have to be a married male, is a homeowner, and drives newer vehicles. A driver that matches those criteria will probably get the lowest prices and have a good chance to save some money.

Potential customers who don’t meet the requirements will be quoted higher premiums with the end result being the customer buying from someone else. The ads state “customers that switch” not “all people who quote” save that kind of money. That’s the way insurance companies can confidently lure you into getting a quote. Each company has different criteria, so it is so important to quote coverage with many companies. Because you cannot predict the company that will provide you with the cheapest prices.

Take advantage of every insurance discount

Some companies don’t always list every discount they offer in an easy-to-find place, so the following list contains a few of the more common in addition to some of the lesser obvious insurance savings.

• Homeowners Discount – Owning a home can get you a discount because of the fact that having a home is proof of financial responsibility.
• Memberships – Participating in specific professional or occupational memberships or organizations is a good way to get lower rates on your policy.
• Low Mileage Discounts – Low mileage vehicles may enable drivers to earn better insurancerates on cars that stay parked.
• E-sign – A few larger online companies will give a small break for buying a policy and signing up online.
• Active Military Service – Having an actively deployed family member may qualify for rate reductions.

Don’t be surprised that most discounts do not apply to the entire cost. Most cut the cost of specific coverages such as medical payments or collision. Even though it appears adding up those discounts means a free policy, you aren’t that lucky.

A list of companies and some of their more popular discounts are included below.

• Farm Bureau offers discounts including safe driver, renewal discount, good student, driver training, 55 and retired, and youthful driver.
• MetLife may offer discounts for good student, defensive driver, accident-free, good driver, multi-policy, and claim-free.
• Progressive has discounts for multi-policy, continuous coverage, online signing, online quote discount, good student, and homeowner.
• AAA has savings for education and occupation, AAA membership discount, pay-in-full, multi-car, good student, and anti-theft.
• American Family policyholders can earn discounts including good student, multi-vehicle, mySafetyValet, accident-free, TimeAway discount, and defensive driver.
• Geico may have discounts that include anti-lock brakes, defensive driver, military active duty, air bags, multi-policy, seat belt use, and daytime running lights.
• State Farm may include discounts for safe vehicle, Steer Clear safe driver discount, anti-theft, good driver, passive restraint, defensive driving training, and multiple policy.

Before purchasing a policy, check with every prospective company to apply every possible discount. Depending on the company, some discounts may not apply to policies in your area. To choose insurance companies who offer online insurance quotes, click here to view.

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How to know if you need help

When choosing the best insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Each situation is unique.

For example, these questions could help you determine whether your personal situation would benefit from an agent’s advice.

• Is my trailer covered?
• Does medical payments coverage apply to all occupants?
• Should I buy full coverage?
• Are my friends covered when driving my 2001 Ford Crown Victoria?
• Will my vehicle be repaired with OEM or aftermarket parts?
• Am I insured when driving a different vehicle?
• Why is insurance for a teen driver so high?
• Should I sign the liability waiver when renting a car?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form.

Detailed coverages of your car insurance policy

Learning about specific coverages of a car insurance policy helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Collision coverage protection

Collision insurance pays for damage to your Crown Victoria resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like hitting a mailbox, damaging your car on a curb and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to increase the deductible to bring the cost down.

Auto liability

Liability coverage can cover injuries or damage you cause to other’s property or people in an accident. It protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability insurance covers claims like pain and suffering, legal defense fees and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as ambulance fees, funeral costs and doctor visits. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover you and your occupants and will also cover getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage 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 protection

This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like damage from getting keyed, falling objects, damage from flooding, theft and a tree branch falling on your vehicle. The highest amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Save for a rainy day

We’ve covered many ideas to reduce 2001 Ford Crown Victoria insurance rates online. The key thing to remember is the more quotes you get, the better your comparison will be. Consumers may even find the lowest rates are with an unexpected company.

The cheapest 2001 Ford Crown Victoria insurance can be purchased from both online companies in addition to local insurance agencies, and you need to price shop both in order to have the best price selection to choose from. Some car insurance companies do not offer online quoting and many times these regional insurance providers provide coverage only through independent agencies.

When shopping online for car insurance, don’t be tempted to sacrifice coverage to reduce premiums. Too many times, drivers have reduced collision coverage and learned later that their decision to reduce coverage ended up costing them more. Your aim should be to purchase plenty of coverage at the best price, but do not skimp to save money.

Additional detailed information is available at these sites:

• Auto Theft Statistics (Insurance Information Insitute)
• State Car Insurance Guides (Geico)
• Auto Insurance Basics (Insurance Information Insitute)
• Choosing a Car for Your Teen (State Farm)
• Young Drivers: The High Risk Years Video (iihs.org)
• Child Safety Seats (Insurance Information Insitute)

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