2008 Ford Crown Victoria Insurance Quotes

Did you fall for a flashy sales pitch and buy an overpriced insurance policy? Trust us, many consumers feel financially strained by their insurance policy. Consumers have many car insurance companies to buy insurance from, and although it’s nice to have multiple companies, it can be more challenging to compare rates and find the lowest cost insurance.

Insurance Coverage Comparisons

There are a variety of methods you can shop for 2008 Ford Crown Victoria insurance coverage but there is one way that is less time-consuming than others. You could waste time talking about coverages with insurance agencies in your area, or you can utilize online quotes for quick rates.

The majority of car insurance companies participate in an industry program that enables customers to only type in their quote data once, and each participating company then gives them pricing. This prevents consumers from doing quote forms for each company.

To find out how much you’re overpaying now click here to open in new window.

One minor caviat to using this type of system is you cannot specify which companies you want to price. If you prefer to choose individual companies for rate comparison, we have a listing of insurance coverage companies in your area. View list of insurance companies.

It’s up to you which method you use, but compare identical coverage limits on every quote. If your comparisons have different deductibles you can’t possibly find the best deal for your Ford Crown Victoria.

Save with discounts on Ford Crown Victoria insurance

Companies offering auto insurance do not list every discount very well, so we break down some of the best known and the more hidden savings tricks you should be using. If you don’t get every credit available, you are paying more than you should be.

  • Paperwork-free – A few companies give back up to $50 just for signing your application on their website.
  • Government Employees – Employees or retirees of the government can save as much as 8% for Crown Victoria coverage depending on your company.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems can avoid accidents and earn discounts up to 10%.
  • Resident Student – Any of your kids who live away from home and do not have a car can be insured at a reduced rate.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less for Crown Victoria coverage than drivers with accident claims.
  • Save over 55 – If you’re over the age of 55, you may be able to get a discount up to 10% for Crown Victoria coverage.

As a disclaimer on discounts, some credits don’t apply to your bottom line cost. Most only reduce individual premiums such as comprehensive or collision. Even though it may seem like you could get a free insurance policy, it just doesn’t work that way.

To see a list of insurers with discount insurance rates, follow this link.

Factors that can influence insurance rates for a Ford Crown Victoria

An important part of buying insurance is that you know some of the elements that play a part in calculating the rates you pay for insurance. Knowing what influences your rates helps enable you to make changes that may reward you with big savings.

Shown below are some of the items that factor into rates.

  • High crash test scores lower rates – Cars with high safety ratings can get you lower premiums. These vehicles result in less severe injuries and lower injury rates means less money paid by your insurance company and lower rates for you. If your Ford Crown Victoria is rated at least four stars on Safercar.gov you may qualify for a discount.
  • Consolidate policies to earn discounts – Most companies will give a discount to insureds who buy several policies from them. It’s known as a multi-policy discount. Discounts can add up to anywhere from five to ten percent in most cases. Even with this discount, it’s in your best interest to compare rates to confirm you are receiving the best rates possible. You may still be able to find better rates by splitting coverages up.
  • Being married is a good thing – Getting married can actually save you money on insurance. Having a spouse is viewed as being more mature it has been statistically shown that being married results in fewer claims.
  • Liability insurance protects assets – Liability coverage is the coverage that protects you in the event that you are found to be at fault for damages from an accident. Liability provides legal defense coverage up to the limits shown on your policy. Liability is cheap when compared with rates for comp and collision, so drivers should carry high limits.
  • High numbers of claims are not good – If you frequently file small claims, you can expect either policy cancellation or increased premiums. Auto insurance companies award lower rates to people who are claim-free. Your insurance policy is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Your insurance rates can be influenced by your job – Did you know your job can affect your rates? Careers like doctors, architects and dentists tend to pay the highest average rates due to stressful work requirements and long work days. Other occupations such as scientists, historians and performers have the lowest average rates for Crown Victoria coverage.
  • Lower rates come with age – Teenage drivers have a tendency to be careless and easily distracted when driving so they pay higher insurance rates. Adding a youthful driver onto a policy can be quite pricey. More mature drivers are more cautious drivers, file fewer claims and receive fewer citations.
  • Battle of the sexes – The statistics show women tend to be less risk to insure than men. That doesn’t necessarily mean that women are better drivers. Women and men tend to get into accidents at about the same rate, but the males cause more damage. They also get more serious tickets like DUI and reckless driving. Youthful male drivers are the most expensive to insure and therefore have the most expensive insurance rates.

Tailor your coverage to you

When it comes to buying adequate coverage, there really is not a “best” method to buy coverage. Everyone’s situation is unique so this has to be addressed. Here are some questions about coverages that may help highlight whether you could use an agent’s help.

  • What exactly is covered by my policy?
  • Can my teen drive my company car?
  • Will I be non-renewed for getting a DUI or other conviction?
  • How high should deductibles be on a 2008 Ford Crown Victoria?
  • Can my babysitter drive my car?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Is a blown tire covered by insurance?
  • How can I get high-risk coverage after a DUI?
  • Is business equipment covered while in my vehicle?
  • Can I still get insurance after a DUI?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.

Auto insurance coverage information

Understanding the coverages of a insurance policy can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Shown next are the normal coverages offered by insurance companies.

Comprehensive insurance – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as falling objects, theft, a tree branch falling on your vehicle, a broken windshield and vandalism. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers – This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as dental work, ambulance fees, hospital visits and rehabilitation expenses. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for liability – Liability coverage will cover damages or injuries you inflict on other people or property in an accident. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things such as emergency aid, bail bonds and structural damage. How much liability should you purchase? That is a decision to put some thought into, but consider buying as much as you can afford.

Collision – This 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 then your collision coverage will kick in.

Collision can pay for things like crashing into a building, damaging your car on a curb, colliding with a tree, hitting a parking meter and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Coverage on a shoestring budget

When you buy insurance online, make sure you don’t buy lower coverage limits just to save a few bucks. There have been many situations where consumers will sacrifice liability limits or collision coverage only to discover later that it was a big error on their part. Your aim should be to buy a smart amount of coverage for the lowest price.

Low-cost 2008 Ford Crown Victoria insurance is attainable on the web in addition to many insurance agents, and you need to comparison shop both so you have a total pricing picture. A few companies do not provide the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

In this article, we covered many tips how you can lower your insurance rates. The key thing to remember is the more times you quote, the higher the chance of saving money. You may even find the best prices are with some of the lesser-known companies. Regional companies can often insure niche markets at a lower cost than the large multi-state companies such as Progressive or GEICO.

Additional information