How Much Does 2004 Ford Crown Victoria Insurance Cost?

Cutting costs on car insurance is difficult for people who are new to comparison shopping online. Consumers have so many choices that it can quickly become more work than you anticipated to locate the lowest price.

You should make it a habit to do rate comparisons every six months since rates change regularly. Even if you got the best price for Crown Victoria insurance six months ago you can probably find a lower rate today. There is a lot of wrong information about car insurance online but I’m going to show you some good information on how to put money back in your pocket.

Save with discounts on Ford Crown Victoria insurance

Insuring your fleet can be pricey, but you can get discounts that can drop the cost substantially. Some trigger automatically when you complete an application, but some must be asked for prior to receiving the credit.

  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can reduce accidents and qualify for as much as a 10% discount.
  • New Vehicle Savings – Putting insurance coverage on a new car is cheaper compared to insuring an older model.
  • Military Discounts – Having a deployed family member may qualify for rate reductions.
  • Auto/Life Discount – Select insurance companies reward you with lower rates if you buy auto and life insurance together.
  • Paperwork-free – Certain companies will discount your bill up to fifty bucks for buying a policy and signing up over the internet.

A little note about advertised discounts, some credits don’t apply to the overall cost of the policy. Most only apply to specific coverage prices like comprehensive or collision. So despite the fact that it appears you can get free auto insurance, it doesn’t quite work that way. Any amount of discount will help reduce your premiums.

To see a list of providers offering auto insurance discounts, click here.

Tailor your coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone’s needs are different.

For example, these questions may help highlight whether you might need an agent’s assistance.

  • What exactly is covered by my policy?
  • Can I rent a car in Mexico?
  • What happens if I owe more than my 2004 Ford Crown Victoria is worth?
  • Am I covered if I hit my neighbor’s mailbox?
  • Am I covered when driving a rental car?
  • I have good health insurance, so how much medical payments coverage do I need?

If you can’t answer these questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form.

Specific coverages for a Ford Crown Victoria

Learning about specific coverages of auto insurance aids in choosing the best coverages and the correct deductibles and limits. Auto insurance terms can be confusing and reading a policy is terribly boring.

Medical costs insurance – Coverage for medical payments and/or PIP provide coverage for bills for things like pain medications, funeral costs, X-ray expenses, hospital visits and doctor visits. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability insurance – Liability insurance protects you from damages or injuries you inflict on a person or their property. It protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things such as loss of income, medical expenses, funeral expenses and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but buy higher limits if possible.

Collision coverage – Collision insurance pays for damage to your Crown Victoria caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like hitting a mailbox, colliding with another moving vehicle, sideswiping another vehicle, rolling your car and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive or Other Than Collision – This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as hail damage, fire damage and falling objects. The highest amount your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

UM/UIM Coverage – This coverage gives you protection when other motorists either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Ford Crown Victoria.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Normally these coverages do not exceed the liability coverage limits.

Compare but don’t skimp

Drivers switch companies for many reasons like policy non-renewal, being labeled a high risk driver, high rates after DUI convictions or even not issuing a premium refund. It doesn’t matter what your reason, finding a new company is pretty simple and you could end up saving a buck or two.

We just covered a lot of techniques to reduce 2004 Ford Crown Victoria insurance prices online. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. Drivers may discover the lowest premiums are with a smaller regional carrier.

Cost effective insurance can be sourced both online and with local insurance agents, and you should be comparing both in order to have the best chance of saving money. Some companies do not offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.

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