View 1998 Ford Crown Victoria Car Insurance Quotes

Trying to find better insurance rates for your Ford Crown Victoria? Paying for pricey Ford Crown Victoria insurance can stress out your personal savings and force you to make sacrifices. Comparing cost estimates is a smart way to slash your bill and have more diposable income.

Companies like State Farm, Allstate, GEICO and Progressive constantly blast consumers with catchy ads and it is challenging if not impossible to see past the geckos and flying pigs and take the time to shop coverage around.

How to shop insurance online

There are a lot of ways to compare insurance quotes, and some are less labor-intensive and much quicker. You can waste hours talking about coverages with insurance companies in your area, or you could use the web to get rate comparisons in just a few minutes.

Many of the larger companies take part in a program that allows shoppers to only type in their quote data once, and each company can give them a price based on that information. This eliminates the need for quote forms to each individual insurance company. To find out how much you’re overpaying now click to open in new window.

The only downside to doing it this way is you can’t choose the providers to get quotes from. If you would rather choose specific providers to receive pricing from, we have a listing of companies who write insurance in your area. Click here for list of insurance companies.

Take whichever approach you prefer, but make sure you compare the same quote data for each price quote. If you compare different deductibles it will be nearly impossible to determine which company has the best rates. Just a small difference in coverages could skew the results. Keep in mind that getting more free quotes helps locate a better price.

Car insurance savings promises

State Farm and Allstate endlessly run ads in print and on television. All the companies make the point of big savings if you switch to them. How is it possible that every company can give you a lower rate? It’s all in the words they use.

Most companies quote the lowest rates for the type of customer that will generate a profit. For example, a profitable insured may be married and over the age of 30, has no driving citations, and drives a lower-performance vehicle. Any new insured that hits that “sweet spot” will get very good auto insurance rates and as a result will probably cut their rates if they switch.

Potential insureds who do not match these stringent criteria will have to pay more expensive rates which usually ends up with the customer buying from someone else. The trick is to say “customers that switch” not “everyone who quotes” save that much money. This is how insurance companies can lure you into getting a quote.

Because every company is different, you really need to do a price quote comparison at every renewal. It is impossible to predict which insurance companies will have the lowest premium rates for your situation.

How to lower your insurance rates

Lots of things are part of the equation when premium rates are determined. Some are obvious like a motor vehicle report, but other factors are not as apparent such as your marital status or your vehicle rating.

  • Keep prices low by being claim-free – Auto insurance companies award the best rates to people who do not file claims often. If you are a frequent claim filer, you can expect increased rates or even have your policy non-renewed. Your car insurance is intended for major claims that would cause financial hardship.
  • Drivers with excellent credit save on insurance – Having a bad credit score is a big factor in calculating your premium rate. If your credit score is lower than you’d like, you may save money insuring your 1998 Ford Crown Victoria by taking the time to improve your credit score. Insureds with very good credit scores tend to file fewer claims and have better driving records than those with poor credit scores.
  • Cheaper rates using alarm systems – Choosing a vehicle that has an advanced theft prevention system can help lower your premiums. Theft prevention features like OnStar, LoJack tracking, and tamper alarms can thwart car theft and help bring rates down.
  • Buy as much liability coverage as you can afford – The liability section of your policy will protect you when you are determined to be liable for an accident. This coverage provides for a legal defense up to the limits shown on your policy. Liability is cheap compared to physical damage coverage, so insureds should have plenty of protection for their assets.
  • How old are your drivers? – Teen drivers are known to be more careless when driving so they pay higher insurance rates. Older people tend to be more responsible, tend to cause fewer accidents and tend to be get fewer driving tickets.

Get cheap insurance with discounts

Companies offering auto insurance don’t list every disount available in a way that’s easy to find, so the list below gives a summary of a few of the more common and also the lesser-known discounts that you can inquire about if you buy insurance online.

  • Accident Forgiveness – Not a discount per se, but certain companies permit an accident before raising your premiums with the catch being you have to be claim-free prior to being involved in the accident.
  • Payment Discounts – By paying your policy upfront rather than paying in monthly installments you can actually save on your bill.
  • Senior Citizens – If you’re over the age of 55, you can possibly qualify for a slight reduction on a insurance quote for Crown Victoria insurance.
  • Telematics Data Discounts – Drivers that enable companies to monitor where and when they drive by using a telematics device in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system might get better premium rates if they exhibit good driving behavior.
  • Military Discounts – Having a family member in the military could mean lower prices.
  • Multiple Policy Discount – When you have multiple policies and insure them both with the same insurance company you could get a discount of nearly 15% which can help you find low cost insurance.
  • Paper-free Discount – Some of the larger companies give back up to $50 get insurance on your computer.
  • Accident Free – Drivers who stay claim-free can save substantially when compared with drivers with a long claim history.
  • Low Mileage – Keeping the miles down on your Ford may allow you to get lower insurancerates on the low mileage vehicles.

Discounts lower rates, but most of the big mark downs will not be given to your bottom line cost. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So even though it sounds like you would end up receiving a 100% discount, it’s just not the way it works. Any amount of discount will positively reduce your overall bill.

Companies and the discounts they provide are included below.

  • Farm Bureau may have discounts that include renewal discount, youthful driver, multi-policy, good student, multi-vehicle, and safe driver.
  • State Farm may offer discounts for anti-theft, good driver, student away at school, driver’s education, safe vehicle, and Steer Clear safe driver discount.
  • Progressive offers discounts including multi-vehicle, good student, homeowner, multi-policy, and online quote discount.
  • Allstate discounts include premier discount, FullPay discount, senior citizen, premier plus, and new car.
  • Nationwide includes discounts for defensive driving, family plan, Farm Bureau membership, multi-policy, anti-theft, business or organization, and good student.
  • MetLife offers discounts for claim-free, accident-free, defensive driver, multi-policy, and good driver.

If you want low cost insurance quotes, ask each insurance company which discounts they offer. A few discounts may not apply in your area. For a list of insurance companies with significant discounts, follow this link.

Tailor your car insurance coverage to you

When it comes to buying the best car insurance coverage for your vehicles, there really is not a single plan that fits everyone. Every situation is different so your insurance needs to address that. These are some specific questions might point out if your situation might need professional guidance.

  • When should I not file a claim?
  • Does coverage extend to Mexico or Canada?
  • What should my uninsured motorist coverage limits be in my state?
  • Do I need medical payments coverage since I have good health insurance?
  • Is pleasure use cheaper than using my 1998 Ford Crown Victoria to commute?
  • Is a fancy paint job covered?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies.

Insurance coverage breakdown

Knowing the specifics of a insurance policy can help you determine the right coverages for your vehicles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording. These are the usual coverages found on the average insurance policy.

Comprehensive (Other than Collision)

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

Comprehensive coverage pays for claims such as damage from flooding, damage from getting keyed and hitting a deer. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for bills for X-ray expenses, rehabilitation expenses, ambulance fees and funeral costs. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and also any damage incurred to your Ford Crown Victoria.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Liability

This provides protection from damage that occurs to a person or their property. This coverage protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims like repair bills for other people’s vehicles, medical services, court costs, emergency aid and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but buy as large an amount as possible.

Collision coverage

Collision coverage pays for damage to your Crown Victoria resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like sideswiping another vehicle, colliding with another moving vehicle, hitting a parking meter, hitting a mailbox and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper collision rates.

More comparisons equals lower rates

Discount 1998 Ford Crown Victoria insurance is attainable online in addition to local insurance agencies, so you need to quote insurance with both in order to have the best price selection to choose from. Some companies may not provide online quoting and these smaller companies only sell coverage through local independent agents.

We just presented some good ideas how you can save on 1998 Ford Crown Victoria insurance. The key thing to remember is the more companies you get rates for, the more likely it is that you will get a better rate. You may be surprised to find that the best prices are with some of the lesser-known companies. Smaller companies often have lower rates on specific markets than the large multi-state companies such as GEICO and State Farm.

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