2002 Ford Crown Victoria Car Insurance Quotes – 10 Ideas for Best Rates

Searching for better insurance coverage rates for your Ford Crown Victoria? Expensive insurance coverage can take a big chunk out of your savings account and make it impossible to make ends meet. Comparison shopping is a smart way to make sure you’re not throwing money away.

Drivers have so many auto insurance companies to pick from, and even though it’s nice to be able to choose, lots of choices makes it harder to compare rates and find the lowest cost insurance coverage.

It’s smart to do rate comparisons periodically because rates tend to go up over time. Just because you found the best deal on Crown Victoria insurance on your last policy there may be better deals available now. Ignore everything you know about insurance coverage because I’m going to let you in on the secrets to the things you must know in order to save money, get proper deductibles and limits, all at the lowest rate.

Take advantage of discounts

Properly insuring your vehicles can get expensive, but there could be available discounts that you may not even be aware of. Certain discounts will be triggered automatically when you get a quote, but lesser-known reductions have to be asked for before you will receive the discount.

  • Seat Belt Usage – Using a seat belt and requiring all passengers to wear their seat belts can save up to 15% off your PIP or medical payments premium.
  • Accident Forgiveness – A handful of insurance companies will forgive one accident before raising your premiums if your claims history is clear prior to the accident.
  • Early Switch Discount – Some companies give discounts for switching to them before your current policy expires. It’s a savings of about 10%.
  • Multi-policy Discount – When you have multiple policies with one company you may save approximately 10% to 15%.
  • Homeowners Discount – Simply owning a home may earn you a small savings because owning a home shows financial diligence.
  • New Car Discount – Adding a new car to your policy is cheaper due to better safety requirements for new cars.
  • 55 and Retired – Mature drivers may be able to get a discount up to 10% on Crown Victoria insurance.
  • Driver’s Ed – Have your child enroll in driver’s education if it’s offered in school.
  • Defensive Driver – Taking part in a course in driver safety could possibly earn you a 5% discount if you qualify.
  • Claim Free – Claim-free drivers pay less when compared with drivers who are more careless.

It’s important to understand that most of the big mark downs will not be given to the entire cost. A few only apply to the cost of specific coverages such as liability, collision or medical payments. Just because it seems like all the discounts add up to a free policy, companies don’t profit that way. Any qualifying discounts will help reduce your overall premium however.

To see a list of insurers who offer car insurance discounts, follow this link.

How to know if you need help

When buying the best car insurance coverage, there is no “best” method to buy coverage. Everyone’s situation is a little different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine if you may require specific advice.

  • What if I total my 2002 Ford Crown Victoria and owe more than it’s worth?
  • How can I get my company to pay me more for my totalled car?
  • Does my 2002 Ford Crown Victoria need full coverage?
  • Am I covered if hit by an uninsured driver?
  • Should I buy only the required minimum liability coverage?
  • Is there coverage for injuries to my pets?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Is my 2002 Ford Crown Victoria covered for smoke damage?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier

Insurance coverage specifics

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 confusing and even agents have difficulty translating policy wording. These are typical coverage types found on the average insurance policy.

Comprehensive coverage (or Other than Collision)

This coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like hitting a bird, damage from getting keyed and hitting a deer. The maximum payout 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 consider dropping full coverage.

Liability coverages

This provides protection from injuries or damage you cause to other people or property in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as legal defense fees, repair costs for stationary objects and pain and suffering. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.

Collision insurance

This coverage pays for damage to your Crown Victoria caused by collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims like sustaining damage from a pot hole, hitting a mailbox, sideswiping another vehicle and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to get cheaper collision coverage.

Insurance for medical payments

Med pay and PIP coverage kick in for bills for things like rehabilitation expenses, prosthetic devices, EMT expenses and dental work. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is only offered in select states and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection from other drivers 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 a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually these coverages are set the same as your liablity limits.

A penny earned…

While you’re price shopping online, you should never skimp on coverage in order to save money. In too many instances, drivers have reduced physical damage coverage only to find out that it was a big error on their part. Your strategy should be to buy enough coverage for the lowest price while still protecting your assets.

Cheap 2002 Ford Crown Victoria insurance can be sourced from both online companies and with local insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance providers do not offer online price quotes and these small, regional companies work with independent agents.

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