View 1997 Ford Crown Victoria Insurance Cost

Trying to find cheaper auto insurance rates for your Ford Crown Victoria? Nobody I know enjoys paying for auto insurance, in particular when the cost is way too high.

You have multiple car insurance companies to pick from, and although it’s nice to have multiple companies, so many choices can make it hard to find the lowest cost provider.

It’s smart to check auto insurance prices at least once a year because prices tend to go up over time. Even if you got the lowest price for Crown Victoria insurance last year you may be paying too much now. Block out anything you think you know about auto insurance because you’re about to learn how to use the internet to save money, get proper deductibles and limits, all at the lowest rate.

Compare Car Insurance Today

The are a couple different ways of comparing rates from different insurance companies. The best way to compare 1997 Ford Crown Victoria insurance prices consists of obtaining rate quotes online. It is quite easy and can be accomplished in several different ways.

1. The first (and easiest) way to get quotes is an all-inclusive rate comparison (click to open form in new window). This method keeps you from doing repetitive form entry for every car insurance company. One form submission gets you price quotes instantly.
2. Another way to find lower rates is to take the time to go to the website of each company to request a price quote. For examples sake, we’ll pretend you want to compare rates from Nationwide, Farmers and GEICO. To get rate quotes you would need to go to every website to input your insurance information, which is why most consumers use the first method.

   To view a list of companies in your area, click here.

3. The most time-consuming method of comparing rate quotes is to drive around to and from local insurance agencies. Shopping for car insurance online has reduced the need for local agents unless you prefer the professional guidance of a licensed agent. Drivers can compare online quotes and still use a local agent.

Whichever method you choose, ensure you’re using identical coverage information for every company. If you compare different liability limits it’s not possible to determine the best price for your Ford Crown Victoria. Quoting even small variations in insurance coverages may result in large price differences. Keep in mind that getting more free quotes provides better odds of finding the best rates.

Tailor your coverage to you

When choosing proper insurance coverage, there really is no “best” method to buy coverage. Everyone’s needs are different so your insurance needs to address that. For instance, these questions can help discover if your situation would benefit from professional advice.

• Does my medical payments coverage pay my health insurance deductible?
• How do I insure my teen driver?
• Are all vehicle passengers covered by medical payments coverage?
• When should I drop full coverage on my 1997 Ford Crown Victoria?
• Am I better off with higher deductibles on my 1997 Ford Crown Victoria?
• Do I need roadside assistance coverage?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier

Specifics of your auto insurance policy

Learning about specific coverages of your policy can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Shown next are the usual coverages found on most auto insurance policies.

Auto liability – Liability coverage provides protection from injuries or damage you cause to other people or property in an accident. It protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for claims such as repair bills for other people’s vehicles, bail bonds, funeral expenses, medical expenses and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.

Collision coverages – Collision coverage pays for damage to your Crown Victoria caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like driving through your garage door, hitting a parking meter, sustaining damage from a pot hole, crashing into a building and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage kick in for expenses like dental work, funeral costs, prosthetic devices, rehabilitation expenses and ambulance fees. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive insurance – This coverage covers 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 can pay for things such as falling objects, a broken windshield, vandalism, hitting a deer and fire damage. 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 it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Ford Crown Victoria.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.