How Much Does 1998 Ford Crown Victoria Car Insurance Cost?

Looking for cheaper insurance rates for your Ford Crown Victoria? Nobody that owns a car looks forward to buying insurance, especially when they know they could get a better deal.

Drivers have many insurance companies to pick from, and though it is a good thing to have a selection, it can be more difficult to compare rates and cut insurance costs.

Compare insurance coverage price quotes online

When shopping for affordable auto insurance quotes, there are a couple of ways to compare rate quotes from many different insurance companies. One of the best ways to do a complete rate comparison is to use the internet to compare rates. This is very easy and can be done in a couple minutes as outlined below.

The easiest and least time consuming way to find the lowest comparison rates is to use a rate comparison form click here to open form in new window. This quick form saves time by eliminating multiple quote forms for each company you want a rate for. One form submission gets you price quotes direct from many companies.

A different way to analyze rates requires a trip to each company’s website and fill out their own quote form. For example, let’s say you want comparison quotes from Farmers, Liberty Mutual and Progressive. You would be required to go to every website to enter your coverage information, which is why the first method is more popular.

For a list of links to companies insuring cars in your area, click here.

It’s up to you how you get prices quotes, just make absolute certain that you use the exact same deductibles and coverage limits for each comparison quote. If your comparisons have different values for each quote it will be impossible to determine the lowest rate for your Ford Crown Victoria. Having just a slight variation in coverage limits may result in large price differences. It’s important to know that making a lot of price comparisons increases your odds of finding the best rates.

Save $426 a year! What?

Progressive, Allstate and GEICO regularly use ads in print and on television. All the companies say the same thing that you’ll save big just by switching to them. How is it possible that every company can charge lower premium rates? It’s all in how they say it.

Most companies provide the lowest rates for the type of insured that will generate a profit. An example of a profitable risk profile might have to be between 25 and 40, has had continuous coverage, and drives less than 5,000 miles a year. A customer that meets those criteria will probably get cheap prices and will most likely save a lot of money.

People who do not match this ideal profile may receive higher premiums with the end result being the customer buying from someone else. If you listen to the ad wording, they say “customers that switch” not “everybody who quotes” save that much. That’s the way companies can truthfully advertise the savings. Different companies use different criteria so drivers should compare many company’s car insurance rates. It is just not possible to predict which insurance companies will have the best rates.

Save money with these tips

A large part of saving on auto insurance is knowing some of the things that help determine auto insurance rates. If you have some idea of what impacts premium levels, this allows you to make good choices that can help you get cheaper rates.

  • More traffic equals higher premiums – Being located in a rural area is a positive aspect when it comes to auto insurance. Lower population means fewer accidents and a lower car theft rate. People in densly populated areas have traffic congestion and much longer commute distances. Higher commute times means more chance of being in an accident.
  • Liability limits on your policy – Liability insurance provides coverage in the event that you are determined to be liable for causing personal injury or damage in an accident. It will provide for a legal defense which can cost a lot. Liability insurance is quite affordable compared to physical damage coverage, so do not skimp.
  • Pay more out-of-pocket – The deductibles are the amount of money you are willing to pay out-of-pocket if a claim is determined to be covered. Physical damage coverage, aka comp and collision, insures against damage to your car. Some examples of covered claims would be colliding with a stationary object, collision with a deer, or theft of your vehicle. The larger the amount you’re willing to pay, the less money you will pay for auto insurance for Crown Victoria insurance.
  • Do you save by driving less? – Driving more miles each year the higher your rate. Almost all companies charge to insure your cars based on how the vehicle is used. Cars that do not get driven very much cost less to insure as compared to vehicles used primarily for driving to work. It’s a smart idea to ensure your auto insurance coverage shows annual mileage. Having the wrong rating on your Crown Victoria can cost quite a bit.
  • Males pay more for insurance coverage – The statistics show women tend to be less risk to insure than men. This data doesn’t prove that males are worse at driving than females. Females and males cause accidents at about the same rate, but men tend to have higher claims. Men also tend to get more serious tickets like DWI (DUI) or reckless driving.

Double check you’re getting these discounts

Some insurers don’t necessarily list all available discounts very well, so the list below gives a summary of a few of the more common and also the more inconspicuous discounts that you can inquire about if you buy auto insurance online.

  • Buy New and Save – Adding a new car to your policy can get you a discount because newer vehicles have to meet stringent safety requirements.
  • Drivers Education – Require your teen driver to enroll in driver’s education in school or through a local driver safety program.
  • 55 and Retired – If you qualify as a senior citizen, you may be able to get a small decrease in premiums for Crown Victoria insurance.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Ford may enable drivers to earn cheaper rates.
  • Accident Waiver – This one isn’t a discount, but certain companies permit an accident without raising rates as long as you don’t have any claims for a set time period.
  • Defensive Driver – Taking part in a class that teaches safe driver techniques may get you a small discount if your company offers it.
  • Multi-car Discount – Insuring several vehicles on the same car insurance policy may reduce the rate for each vehicle.
  • No Accidents – Insureds who avoid accidents and claims have much lower rates when compared with policyholders that have many claims.

A quick disclaimer, most of the big mark downs will not be given to all coverage premiums. Most cut individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears all the discounts add up to a free policy, companies wouldn’t make money that way.

A partial list of companies that possibly offer these discounts possibly include:

When getting a coverage quote, ask every company which discounts they offer. A few discounts may not be available everywhere.

Special considerations

When it comes to buying proper insurance coverage, there really is not a “best” method to buy coverage. Every insured’s situation is different so this has to be addressed. Here are some questions about coverages that might point out whether your personal situation may require specific advice.

  • Am I covered when delivering products for my home-based business?
  • What is UM/UIM insurance?
  • Can I still get insurance after a DUI?
  • Do I need special endorsements for business use of my vehicle?
  • Do I have coverage when using my vehicle for my home business?
  • Why do I need rental car insurance?
  • What can I do if my company won’t pay a claim?
  • What is covered by UM/UIM coverage?
  • Do I have coverage for damage caused while driving under the influence?

If you can’t answer these questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area.

Insurance policy specifics

Learning about specific coverages of insurance helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverages offered by insurance companies.

Uninsured/Underinsured Motorist coverage – This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your 1998 Ford Crown Victoria.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Collision – This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things like damaging your car on a curb, backing into a parked car, scraping a guard rail and hitting a mailbox. This coverage can be expensive, so consider removing coverage from older vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive coverage – This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like hitting a deer, a broken windshield, theft, hitting a bird and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability coverage – This coverage provides protection from injuries or damage you cause to other’s property or people. This insurance protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability can pay for things such as legal defense fees, repair bills for other people’s vehicles, loss of income, funeral expenses and structural damage. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as pain medications, doctor visits and prosthetic devices. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

A fool and his money are soon parted

When you buy auto insurance online, you should never skimp on coverage in order to save money. There have been many cases where an accident victim reduced full coverage only to find out that they should have had better coverage. The proper strategy is to buy the best coverage you can find at the lowest possible cost, but do not sacrifice coverage to save money.

The cheapest 1998 Ford Crown Victoria insurance is attainable both online and from local agencies, and you should compare rates from both to get a complete price analysis. Some insurance companies may not offer online quoting and usually these smaller providers work with independent insurance agents.

We just covered many ideas to get a better price on 1998 Ford Crown Victoria insurance. The key concept to understand is the more rate comparisons you have, the higher the chance of saving money. Consumers could even find that the lowest priced insurance coverage comes from the least-expected company. Regional companies may have significantly lower rates on certain market segments than their larger competitors like Progressive or GEICO.

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