Cheap 1995 Ford Crown Victoria Car Insurance Quotes

Have you fallen victim to an overpriced insurance policy? Believe me when I say there are lots of people in the same boat. Many car insurance companies vie for your insurance dollar, and it can be difficult to compare rates and uncover the absolute best price available.

Smart consumers take time to compare prices once or twice a year since insurance rates are rarely the same from one policy term to another. Even if you think you had the best rates for Crown Victoria insurance a couple years back you can probably find a lower rate today. Forget all the misinformation about insurance because you’re about to learn the quickest way to buy cheaper insurance.

If you have insurance now or are shopping for new coverage, you can learn to shop for the lowest rates and still get good coverage. Finding affordable coverage is not rocket science. Consumers only need an understanding of the best way to compare company rates on the web.

Companies offer discounts so take them!

The price of auto insurance can be rather high, but you can get discounts to reduce the price significantly. Some discounts apply automatically at the time of quoting, but some may not be applied and must be manually applied before they will apply. If they aren’t giving you every credit you qualify for, you are throwing money away.

  • Pay Now and Pay Less – If you pay your entire premium ahead of time rather than paying monthly you can actually save on your bill.
  • Anti-theft Discount – Anti-theft and alarm systems are stolen less frequently and will save you 10% or more.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.
  • One Accident Forgiven – A handful of insurance companies permit an accident without raising rates as long as you don’t have any claims prior to the accident.
  • Multiple Policy Discount – When you combine your home and auto insurance with one insurance company you may save up to 20% off your total premium.
  • Low Mileage – Driving fewer miles could be rewarded with lower rates on the low mileage vehicles.
  • Service Members Pay Less – Being deployed with a military unit could be rewarded with lower premiums.
  • 55 and Retired – Mature drivers may qualify for better car insurance rates for Crown Victoria insurance.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire policy premium. Most only apply to the price of certain insurance coverages like liability and collision coverage. So when it seems like you can get free auto insurance, it just doesn’t work that way. Any amount of discount will help reduce your premiums.

Insurance companies that possibly offer these money-saving discounts are:

Double check with all companies you are considering what discounts are available to you. Discounts may not apply everywhere.

Do I just need basic coverages?

When buying the best auto insurance coverage, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. Here are some questions about coverages that might help in determining whether you could use an agent’s help.

  • Do I really need UM/UIM coverage?
  • Is my ex-spouse still covered by my policy?
  • Why am I required to buy liability insurance?
  • Is pleasure use cheaper than using my 1995 Ford Crown Victoria to commute?
  • Is my nanny covered when driving my vehicle?
  • Does my policy cover my teen driver if they drive my company car?
  • Does my liability insurance cover pulling a trailer or camper?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area. It is quick, free and may give you better protection.

Drivers who switch save $396 a year? Really?

Consumers get pounded daily by advertisements for car insurance savings from the likes of GEICO, State Farm and Progressive. All the ads make the same claim that you’ll save big if you switch your coverage to them.

How can each company claim to save you money? It’s all in the numbers.

All companies have a certain “appetite” for the type of customer that is profitable for them. For example, a preferred risk could possibly be between the ages of 30 and 50, owns a home, and has great credit. A customer getting a price quote who fits that profile receives the best rates and therefore will cut their rates substantially.

Consumers who don’t measure up to the “perfect” profile will have to pay more money and ends up with business going elsewhere. The ad wording is “customers who switch” not “everybody who quotes” save that much. That is how companies can truthfully state the savings.

Because of the profiling, drivers must compare as many rates as you can. It’s not possible to predict which insurance companies will have the lowest Ford Crown Victoria insurance rates.

Coverages available on your policy

Having a good grasp of your policy can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Shown next are typical coverage types offered by insurance companies.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for bills for dental work, pain medications and EMT expenses. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Usually these limits are identical to your policy’s liability coverage.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like a tree branch falling on your vehicle, rock chips in glass, damage from a tornado or hurricane, hail damage and damage from flooding. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability coverage

This will cover damage or injury you incur to other’s property or people that is your fault. It protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like funeral expenses, medical expenses, repair bills for other people’s vehicles, medical services and court costs. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

Coverage for collisions

This pays for damage to your Crown Victoria caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as rolling your car, colliding with a tree, damaging your car on a curb and hitting a parking meter. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Online plus local equals savings

We just presented many ideas to shop for 1995 Ford Crown Victoria insurance online. The key concept to understand is the more providers you compare, the better chance you’ll have of finding lower rates. You may even discover the lowest rates come from the least-expected company. These companies may only write in your state and offer lower rates as compared to the big name companies such as Allstate and Progressive.

Discount insurance can be sourced on the web and also from your neighborhood agents, so you should be comparing quotes from both to have the best rate selection. Some insurance companies may not provide online price quotes and many times these smaller companies only sell through independent insurance agents.

Even more information is available by following these links: