1998 Ford Crown Victoria Insurance Rates – 5 Ideas for Best Quotes

Buying low-cost auto insurance online can be intimidating for consumers new to comparing rates online. Since there are so many insurers available, how can you effectively compare every company to locate the best available rates?

Smart consumers take time to take a look at other company’s rates once or twice a year because insurance rates change frequently. Even if you think you had the lowest rates for Crown Victoria insurance a couple years back other companies may now be cheaper. Forget all the misinformation about auto insurance because we’re going to demonstrate the easiest way to get good coverage at a lower rate.

If you currently have a car insurance policy, you should be able to cut costs considerably using this strategy. Buying more affordable insurance coverage is easy if you know what you’re doing. But car owners benefit from understanding how companies sell insurance online and take advantage of how the system works.

Don’t miss out on these five money-saving discounts

Car insurance can cost a lot, but discounts can save money and there are some available to reduce the price significantly. Some trigger automatically when you get a quote, but lesser-known reductions have to be asked for prior to receiving the credit.

  • Good Students Pay Less – Performing well in school can get you a discount of up to 25%. The good student discount can last until age 25.
  • Auto/Life Discount – Some companies give better rates if you take out a life insurance policy as well.
  • Discount for New Cars – Adding a new car to your policy can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Seat Belts Save – Buckling up and requiring all passengers to use a seat belt could cut 10% or more off your PIP or medical payments premium.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to take driver’s ed class in school.

Keep in mind that many deductions do not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like you can get free auto insurance, you won’t be that lucky. But all discounts will bring down the cost of coverage.

For a list of providers with discount insurance rates, click here.

The quickest method we recommend to compare car insurance rates is to realize almost all companies allow for online access to quote your coverage. The only thing you need to do is provide information like how much you drive, the make and model of your vehicles, if you are currently licensed, and if it has an alarm system. That information is sent automatically to multiple insurance coverage providers and you should receive rate quotes with very little delay.

Do I need special coverages?

When buying the right insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Every insured’s situation is different.

These are some specific questions may help highlight whether you would benefit from professional advice.

  • Are my friends covered when driving my 1998 Ford Crown Victoria?
  • I have a DUI can I still get coverage?
  • What should my uninsured motorist coverage limits be in my state?
  • How many claims can I have before being cancelled?
  • Do I have coverage when making deliveries for my home business?
  • Am I better off with higher deductibles on my 1998 Ford Crown Victoria?
  • When would I need rental car insurance?
  • Why is insurance for a teen driver so high?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form.

Car insurance specifics

Learning about specific coverages of your policy aids in choosing appropriate coverage for your vehicles. Car insurance terms can be ambiguous and nobody wants to actually read their policy.

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as fire damage, vandalism, a tree branch falling on your vehicle and falling objects. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured and underinsured coverage

This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Ford Crown Victoria.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision insurance

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like scraping a guard rail, sideswiping another vehicle and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to get cheaper collision coverage.

Liability car insurance

This coverage provides protection from damage that occurs to other people or property in an accident. 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 values of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things like repair costs for stationary objects, medical services, loss of income and legal defense fees. The amount of liability coverage you purchase is a personal decision, but consider buying higher limits if possible.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like rehabilitation expenses, nursing services and doctor visits. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. PIP is not available in all states but can be used in place of medical payments coverage

Don’t break the bank

Insureds who switch companies do it for many reasons like not issuing a premium refund, questionable increases in premium, delays in responding to claim requests or being labeled a high risk driver. No matter why you want to switch, choosing a new insurance company is less work than it seems.

The cheapest 1998 Ford Crown Victoria insurance can be sourced from both online companies and with local insurance agents, and you should compare price quotes from both to have the best selection. Some insurance companies do not offer the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

As you go through the steps to switch your coverage, it’s very important that you do not skimp on coverage in order to save money. There are many occasions where an insured dropped physical damage coverage and discovered at claim time that the savings was not a smart move. The ultimate goal is to purchase plenty of coverage at the best price.

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