View 1993 Ford Crown Victoria Insurance Quotes

Trying to find better car insurance rates for your Ford Crown Victoria? Expensive car insurance can empty your bank account and make it impossible to make ends meet. Comparing price quotes is free, only takes a few minutes, and is a good way to slash your bill and have more diposable income. With consumers having so many options when it comes to car insurance, it can be hard to find the right insurance company.

Impacting insurance rates for a Ford Crown Victoria

Consumers need to have an understanding of the factors that go into determining the price you pay for car insurance. Having a good understanding of what influences your rates allows you to make educated decisions that will entitle you to better car insurance rates.

  • More people means more accidents – Living in small towns and rural areas has it’s advantages when buying car insurance. Drivers in populated areas regularly have congested traffic and longer commutes to work. Lower population means a lower chance of having an accident.
  • Car features impact rates – Purchasing a vehicle that has an advanced theft prevention system can save you a little every year. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your car from being stolen.
  • Do you qualify for a multi-policy discount? – The majority of companies will award you with lower prices to people who consolidate policies with them. It’s known as a multi-policy discount. Discounts can be anywhere from five to ten percent in most cases. Even if you’re getting this discount you still need to comparison shop to ensure the best deal. Consumers may find a better deal by insuring with multiple companies.
  • Rates may be higher depending on your occupation – Careers like judges, business owners and financial analysts are shown to have higher average rates because of job stress and lengthy work days. Conversely, occupations like actors, engineers and the unemployed pay the least on Crown Victoria insurance.

How to Get Auto Insurance

Comparing auto insurance rates can be exhausting if you don’t understand the easiest way. You can waste a few hours (or days) talking to local insurance agents in your area, or you could save time and use the web to get rates in a matter of minutes.

Many insurance companies are enrolled in a marketplace where insurance shoppers submit one quote, and each participating company provides a quote for coverage. This eliminates the need for quote forms for each company you want a rate for.

To find out how much you’re overpaying now click here to start a free quote.

The only downside to getting quotes like this is you don’t know exactly which insurance companies to receive prices from. If you prefer to choose specific insurance companies to compare rates, we put together a list of the cheapest auto insurance companies in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just make absolute certain that you use exactly the same coverages and limits for each price quote. If you compare different limits and deductibles on each one it will be next to impossible to truly determine the lowest rate.

Be sure to get all your discounts

Insuring your vehicles can cost a lot, but discounts can save money and there are some available that you may not even be aware of. Some discounts apply automatically at the time of purchase, but lesser-known reductions have to be specifically requested in order for you to get them. If you don’t get every credit you qualify for, you are paying more than you should be.

  • Seat Belt Usage – Using a seat belt and requiring all passengers to use a seat belt can save up to 15% on the medical payments or PIP coverage costs.
  • Distant Student – Kids in college living away from home attending college without a vehicle on campus can receive lower rates.
  • More Vehicles More Savings – Insuring multiple cars or trucks on one policy can get a discount on all vehicles.
  • Student Driver Training – Cut your cost by having your teen driver take driver’s ed class if offered at their school.
  • Discount for Swiching Early – A few companies offer discounts for signing up before your current policy expires. The savings is around 10%.
  • Sign Online – A few companies give back up to $50 for buying a policy and signing up over the internet.
  • No Charge for an Accident – A few companies permit an accident before hitting you with a surcharge as long as you don’t have any claims for a set time period.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
  • Save over 55 – Mature drivers can possibly qualify for better insurance coverage rates on Crown Victoria insurance.

A little note about advertised discounts, some credits don’t apply to all coverage premiums. Most cut the price of certain insurance coverages like medical payments or collision. Just because it seems like having all the discounts means you get insurance for free, you’re out of luck. Any amount of discount will reduce the amount you have to pay.

For a list of companies offering insurance coverage discounts, click here to view.

How do I know if I need professional advice?

When it comes to buying the best insurance coverage for your vehicles, there really is no cookie cutter policy. Everyone’s situation is a little different and your policy should reflect that. These are some specific questions can help discover if you would benefit from professional advice.

  • Should I waive the damage coverage when renting a car?
  • Can my teen driver be rated on a liability-only vehicle?
  • Do I need replacement cost coverage on my 1993 Ford Crown Victoria?
  • If I drive on a suspended license am I covered?
  • How much underlying liability do I need for an umbrella policy?
  • Will my insurance pay for OEM parts?
  • When should I drop full coverage on my 1993 Ford Crown Victoria?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Coverages available on your insurance policy

Having a good grasp of insurance helps when choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement. Listed below are typical coverage types found on the average insurance policy.

Collision insurance

Collision coverage will pay to fix damage to your Crown Victoria resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as damaging your car on a curb, sideswiping another vehicle, hitting a mailbox, hitting a parking meter and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also choose a higher deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers

This coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Ford Crown Victoria.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Normally these coverages are set the same as your liablity limits.

Liability auto insurance

This coverage provides protection from injuries or damage you cause to other’s property or people. This coverage protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as medical services, attorney fees and court costs. How much liability should you purchase? That is a personal decision, but buy as much as you can afford.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for immediate expenses for rehabilitation expenses, pain medications, chiropractic care and dental work. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like damage from a tornado or hurricane, damage from flooding, a broken windshield and falling objects. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

A penny earned…

We just covered a lot of tips how to reduce 1993 Ford Crown Victoria insurance prices online. It’s most important to understand that the more companies you get rates for, the higher the chance of saving money. Consumers may even find the most savings is with some of the lesser-known companies. Smaller companies often have lower prices on specific markets than the large multi-state companies such as Allstate and Progressive.

Cheaper insurance is available both online and also from your neighborhood agents, and you should be comparing both so you have a total pricing picture. A few companies may not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

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