2005 Ford Crown Victoria Insurance Quotes – 9 Ideas for Best Rates

Trying to find cheaper car insurance rates? Buyers have a choice when searching for affordable Ford Crown Victoria insurance. You can either spend your time struggling with agents getting price quotes or use the internet to make rate comparisons.

There are more efficient ways to buy car insurance so we’re going to tell you the best way to quote coverages for a new or used Ford and find the lowest possible price from both online companies and local agents.

You should make it a habit to get comparison quotes at least once a year because insurance rates fluctuate regularly. Even if you got the best price on Crown Victoria insurance two years ago you may be paying too much now. Starting now, forget anything you know (or think you know) about car insurance because you’re going to learn the best methods to remove unneeded coverages and save money.

Compare Quotes for Car Insurance

Getting better 2005 Ford Crown Victoria car insurance pricing is a fairly straight forward process. All you need to do is take time to get quotes provided by online insurance companies. This can be accomplished using a couple different methods.

  1. One of the simplest ways to compare a lot of rates at once would be an industry-wide quote request form like this one (opens in new window). This form eliminates the need for separate quotation requests for each company. A single, simple form compares rates from multiple companies. This is by far the quickest method.
  2. A slightly less efficient method to obtain and compare quotes online requires visiting the website for each individual company and request a quote. For examples sake, let’s say you want to compare Liberty Mutual, Farmers and Progressive. To find out each rate you need to spend time on each company’s site to enter your coverage information, which is why most consumers use the first method. For a handy list of car insurance company links in your area, click here.

Whichever way you use, be sure to compare exactly the same deductibles and coverage limits on every quote you get. If you use different liability limits it will be next to impossible to determine which rate is truly the best.

The insurance coverage bait and switch

Consumers get pounded daily by advertisements that promise big savings from the likes of GEICO, State Farm and Progressive. All the companies say the same thing of big savings if you change your coverage to them.

How can each company make the same claim? It’s all in the numbers.

Different companies have a certain “appetite” for the type of customer that makes them money. For example, a desirable insured could possibly be between the ages of 40 and 55, is a homeowner, and has a short commute. Any driver who fits that profile will get very good rates and most likely will save when they switch companies.

Consumers who don’t measure up to the “perfect” profile will be charged a more expensive rate and ends up with business not being written. The ads say “customers who switch” but not “drivers who get quotes” save that much. That is how companies can truthfully state the savings.

That is why you should get a wide range of price quotes. Because you never know which insurance companies will have the lowest Ford Crown Victoria insurance rates.

Pay less by taking advantage of these nine discounts

Insuring your vehicles can cost a lot, but there could be available discounts to help offset the cost. Some discounts apply automatically at quote time, but some may not be applied and must be manually applied prior to getting the savings. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.

  • Multi-policy Discount – If you have multiple policies with one insurance company you may save 10% to 20% off each policy.
  • Passive Restraint Discount – Cars that have air bags can get savings of more than 20%.
  • Save with a New Car – Adding a new car to your policy can be considerably cheaper due to better safety requirements for new cars.
  • Senior Citizens – Older drivers may receive reduced rates on Crown Victoria insurance.
  • Braking Control Discount – Vehicles equipped with ABS or steering control can avoid accidents and qualify for as much as a 10% discount.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on the same car insurance policy qualifies for this discount.
  • Seat Belts Save – Requiring all passengers to wear their seat belts could save 15% off the personal injury premium cost.
  • Homeowners Savings – Simply owning a home can help you save on car insurance due to the fact that maintaining a home is proof that your finances are in order.
  • Employee of Federal Government – Simply working for the federal government can earn a discount up to 10% on Crown Victoria insurance with a few car insurance companies.

As a disclaimer on discounts, many deductions do not apply to your bottom line cost. Most only reduce the cost of specific coverages such as liability and collision coverage. Just because you may think it’s possible to get free car insurance, it just doesn’t work that way. But all discounts will help reduce your premiums.

Companies that may offer these money-saving discounts include:

Check with each company how you can save money. All car insurance discounts might not be offered in your area.

Your coverage should be tailored to you

When it comes to buying coverage, there really is not a one size fits all plan. Everyone’s situation is a little different.

For instance, these questions may help you determine whether or not you could use an agent’s help.

  • What is the ISO rating for a 2005 Ford Crown Victoria?
  • Am I covered when pulling a rental trailer?
  • Do all my vehicles need collision coverage?
  • Am I insured when driving a different vehicle?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Am I covered if my car is in a flood?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form. It’s fast, free and may give you better protection.

Parts of your auto insurance policy

Understanding the coverages of your auto insurance policy can be of help when determining the right coverages for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring.

Liability auto insurance

This coverage protects you from injuries or damage you cause to people or other property in an accident. It protects YOU against other people’s claims, and does not provide coverage for 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. As an example, you may have values of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as emergency aid, medical services and funeral expenses. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Collision insurance

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things such as driving through your garage door, hitting a parking meter, colliding with another moving vehicle and colliding with a tree. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for expenses for surgery, nursing services, X-ray expenses, EMT expenses and prosthetic devices. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like hail damage, falling objects, damage from a tornado or hurricane, fire damage and rock chips in glass. The most you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your 2005 Ford Crown Victoria.

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. Normally these limits are similar to your liability insurance amounts.

Shop Smart and Save

Cheap 2005 Ford Crown Victoria insurance can be purchased from both online companies as well as from independent agents, and you need to price shop both in order to have the best chance of saving money. Some companies don’t offer you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

Drivers leave their current company for a number of reasons such as poor customer service, being labeled a high risk driver, unfair underwriting practices and even not issuing a premium refund. Regardless of your reason for switching companies, finding a new car insurance company is less work than it seems.

While you’re price shopping online, it’s a bad idea to skimp on critical coverages to save a buck or two. In many cases, someone dropped full coverage only to regret that their decision to reduce coverage ended up costing them more. Your goal should be to purchase plenty of coverage at the best price, not the least amount of coverage.

Much more information about car insurance can be found at the links below