1994 Ford Crown Victoria Insurance Quotes – 6 Savings Tips

Paying for high-priced Ford Crown Victoria insurance can overdraw your personal savings and make it hard to pay other bills. Comparing price quotes is free and is an excellent way to slash your bill and have more diposable income. Companies like Allstate and Progressive persitently shower you with TV and radio ads and it can be hard to ignore the propoganda and do the work needed to find the best deal.

Save big with these six discounts

The cost of insuring your cars can be expensive, but there are discounts available to cut the cost considerably. Certain discounts will be triggered automatically at the time of purchase, but some may not be applied and must be manually applied prior to receiving the credit. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

  • Defensive Driving Course – Taking a course in driver safety can save you 5% or more depending on where you live.
  • Memberships – Belonging to a civic or occupational organization may earn a discount on insurance for Crown Victoria coverage.
  • Drive Safe and Save – Drivers who avoid accidents may save up to 50% more for Crown Victoria coverage than drivers with accident claims.
  • Low Mileage – Keeping the miles down on your Ford could qualify for a substantially lower rate.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.
  • Multiple Vehicles – Buying insurance for multiple vehicles with the same company could earn a price break for each car.

Consumers should know that most discount credits are not given the the whole policy. Most only reduce the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like having all the discounts means you get insurance for free, companies don’t profit that way. Any amount of discount will cut your overall premium however.

A partial list of companies that may offer these money-saving discounts include:

It’s a good idea to ask every prospective company which discounts you may be entitled to. Savings might not apply in your state.

But I don’t know anything about car insurance

When it comes to choosing the best auto insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For example, these questions could help you determine if your insurance needs might need professional guidance.

  • Who is covered by my policy?
  • Which is better, split liability limits or combined limits?
  • Does insurance cover tools stolen from my truck?
  • Can I rent a car in Mexico?
  • How high should deductibles be on a 1994 Ford Crown Victoria?
  • Is there coverage for injuries to my pets?
  • Am I covered if I wreck a rental car?
  • I have a DUI can I still get coverage?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier It only takes a few minutes and may give you better protection.

Information about specific coverages

Understanding the coverages of car insurance can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on most car insurance policies.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for bills for nursing services, X-ray expenses, doctor visits and pain medications. They are used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Auto liability insurance

Liability insurance protects you from damage or injury you incur to other’s property or people by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims like loss of income, structural damage, repair costs for stationary objects, attorney fees and funeral expenses. How much liability should you purchase? That is up to you, but buy higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Ford Crown Victoria.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like vandalism, hitting a bird, a tree branch falling on your vehicle and a broken windshield. The maximum amount 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 it’s probably time to drop comprehensive insurance.

Collision protection

This will pay to fix damage to your Crown Victoria resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like scraping a guard rail, crashing into a ditch, crashing into a building and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Don’t break the bank

In this article, we covered some good ideas how to lower your 1994 Ford Crown Victoria insurance rates. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding lower rates. You may even find the best price on insurance coverage is with a small local company. Some small companies may have significantly lower rates on certain market segments as compared to the big name companies such as Allstate and Progressive.

Cheap insurance is definitely available from both online companies and with local insurance agents, and you should be comparing both to have the best chance of lowering rates. There are still a few companies who do not offer you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

As you go through the steps to switch your coverage, it’s a bad idea to buy less coverage just to save a little money. In many instances, someone sacrificed full coverage to discover at claim time that it was a big error on their part. Your strategy should be to purchase a proper amount of coverage at the best price, not the least amount of coverage.

More tips and info about insurance coverage can be read by following these links: