Cheap 2006 Ford Crown Victoria Insurance Rates

Trying to find the cheapest car insurance rates for your Ford Crown Victoria? Are you drained from not being able to afford to buy car insurance? You are in the same boat as many other consumers.

Online insurance companies like State Farm, Allstate, GEICO and Progressive increase brand awareness with advertising and it can be hard to separate fact from fiction and take the time to shop coverage around.

If you currently have a car insurance policy, you should be able to save some money using these techniques. Buying car insurance is quite easy. Nevertheless, consumers do need to understand the way companies price insurance differently.

Compare car insurance price quotes

When shopping for the cheapest insurance quotes, there are a couple of ways to compare prices from many different insurance companies. The easiest way to compare 2006 Ford Crown Victoria insurance prices is to perform an online rate comparison. This is quite simple and can be completed in a couple minutes as outlined below.

  1. The first (and easiest) way to find low rates is to use a rate comparison form click here to open form in new window. This type of form prevents you from having to do separate quotation requests for each company you want a rate for. One form submission gets rate comparisons from several companies.
  2. A slightly less efficient method to compare prices consists of visiting each company’s website and request a quote. For example, we’ll pretend you want to compare rates from USAA, Allstate and GEICO. To find out each rate you need to spend time going to each site individually to enter your coverage information, which can get old fast. For a list of links to companies insuring cars in your area, click here.

You can choose any of those ways to find more affodable coverage, but ensure you’re using the exact same coverage data for each price quote. If you have unequal deductibles or liability limits it will be nearly impossible to make an equal comparison. Just slight variations in limits can mean a large discrepancy in price. Just remember that obtaining a wide range of quotes increases the change that you will find the best price. Some companies don’t provide prices over the internet, so it’s necessary to compare rates from those companies as well.

Discounts for cheap auto insurance rates

Some providers do not list every discount they offer very well, so below is a list both well-publicized and the more hidden discounts that may be available. If they aren’t giving you every credit you deserve, you may be paying too high a price.

  • Accident Forgiveness – but a few companies such as Allstate and GEICO will allow you to have one accident without getting socked with a rate hike as long as you don’t have any claims before the accident.
  • Federal Government Employee – Simply working for the federal government can save as much as 8% on Crown Victoria coverage depending on your company.
  • Multiple Policy Discount – When you combine your auto and homeowners insurance with the same insurance company you may save up to 20% and get you low cost insurance.
  • Anti-lock Brake Discount – Cars with ABS and/or traction control can avoid accidents and earn discounts up to 10%.
  • Student Discount for Driver Training – Require your teen driver to participate in a local driver’s education class in school.
  • Organization Discounts – Joining a qualifying organization is a good way to get lower rates on your next renewal.
  • Renewal Discounts – Some auto insurance companies provide a discount for buying a new policy before your current policy expires. You can save around 10% with this discount.
  • Passenger Safety Discount – Vehicles equipped with air bags and/or automatic seat belt systems may get savings of 20 to 30 percent.

It’s important to note that most discounts do not apply to all coverage premiums. Most only reduce individual premiums such as medical payments or collision. So despite the fact that it appears you would end up receiving a 100% discount, you aren’t that lucky. Any qualifying discounts will cut the cost of your policy.

Some of the insurance companies that may include these discounts include:

Double check with each company or agent which discounts they offer. Some discounts may not apply in your area.

Tailor your insurance coverage to you

When it comes to buying coverage, there is no one size fits all plan. Everyone’s needs are different and a cookie cutter policy won’t apply. For instance, these questions might help in determining whether or not you would benefit from professional advice.

  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Should I bundle my homeowners policy with my auto?
  • What is the rate difference between pleasure use and commuting?
  • Does coverage extend to Mexico or Canada?
  • When should my teen driver be added to my policy?
  • What can I do if my company denied a claim?
  • Do all my vehicles need collision coverage?
  • When can I cancel my policy?
  • Who is covered when they drive my 2006 Ford Crown Victoria?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance companies in your area.

Learn about car insurance coverages for a Ford Crown Victoria

Understanding the coverages of your policy helps when choosing the best coverages for your vehicles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages offered by car insurance companies.

Comprehensive coverage – Comprehensive insurance pays to fix your vehicle from 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 things like rock chips in glass, falling objects, hitting a deer and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverage – Collision insurance pays for damage to your Crown Victoria resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like sideswiping another vehicle, hitting a mailbox, crashing into a building, hitting a parking meter and backing into a parked car. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.

Auto liability – Liability coverage can cover damage that occurs to people or other property that is your fault. This coverage protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability insurance covers claims such as court costs, repair bills for other people’s vehicles and attorney fees. How much liability should you purchase? That is your choice, but buy as large an amount as possible.

Medical payments coverage and PIP – Med pay and PIP coverage reimburse you for bills for things like pain medications, doctor visits and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.