How to Save on Insurance for your Ford Crown Victoria
If searching for lower car insurance rates was a good time, we'd have no problem finding the best rate. But it's actually not a real enjoyable process for the majority of people and we always seem to end up paying too much. Finding affordable coverage for your Ford Crown Victoria probably is no different.
Step One: Compare Rates from Multiple Companies
The antiquated method of shopping for car insurance included a high pressure visit to the office of your local insurance agent. Thanks to the internet, insurance shopping is a whole lot easier!
Almost every car insurance company now offers online quotes, and you can actually get insurance quotes for a Ford Crown Victoria without even visiting their websites!
To start, click the link below to begin entering your information. After you complete the form, you will receive comparison rates from different companies so you easily determine if you can save money.
Important! If you already have liability and physical damage coverage on your Crown Victoria, it's important to keep the same limits and deductibles throughout the quote process. This allows you to fairly compare rates for many companies. If you use different limits and coverages for each quote, you won't be able to judge if the final rate is better or worse than other quotes.
Step Two: Best Ways to Lower your Crown Victoria Insurance Cost
What you actually pay to insure your Ford is determined by many factors, some of which you have no control over.
- If you carry full coverage on your vehicle, you can slash your rates by increasing your comprehensive and collision deductibles. You'll pay more out-of-pocket but you will save with every renewal.
- How is your credit rating? The better credit you have, the less insurance will cost for your Crown Victoria. If you have bad credit, work on improving your credit score and repair past credit problems.
- The easiest way to INCREASE your car insurance rates is to add a teenage driver to your policy. There aren't many ways to prevent a rate increase, but if you can rate them on an older vehicle, it can help.
- The time it takes to complete a driver's safety training course could be time well spent. It could save you up to 10% off your car insurance rates.
- A single speeding ticket can cost you several hundreds of dollars over the next three years thanks to increased car insurance rates. Slow down and drive safely.
- Never allow one policy to expire without having a new policy effective the same date. This causes a lapse in coverage and if you don't have insurance for any length of time, your next policy will cost you more.
- Safety features such as antilock brakes, traction control and air bag systems all help reduce the cost of car insurance by keeping the passengers safer.
- Renters will find they may be paying more for insurance as compared to homeowners. Owning a home can often get you a small discount on your car insurance.
- If you have tended to file small claims with your car insurance company in the past, you're most likely going to pay higher premiums in the future. Consider paying minor claims out-of-pocket instead of blemishing your claim history.
- With age comes cheaper rates! If you're a senior citizen, many car insurance companies will give you a discount. Also, if you belong to a professional organization, check to see if your company gives discounts to members.
- Vehicles that tend to get stolen or have high repair costs will cost you more to insure. If your Crown Victoria falls into either category, it could cost you.
Step Three: Buy the Policy That's Right for You
Purchasing an insurance policy is more than just clicking a button. You need to have funds available to make payment and you need to be sure that the coverages are adequate for your personal situation.
If you're cancelling an old policy, make sure the new coverage starts the same day your old policy ends. This avoids any penalty for having a lapse in coverage which can cost you more.
If you already have a car insurance policy, then your Ford Crown Victoria will be covered as soon as your purchase it. If this is your first vehicle, you will want to make sure you have coverage in place as soon as your purchase it. Be sure to have a new policy ready to go if you are buying a new Crown Victoria. If you've never had car insurance or don't have a policy now, you won't have any protection on the vehicle until you add it to your policy.
Your insurance company will provide you with proof-of-insurance forms to keep in your vehicle. It's required by state law to carry at least the state minimum liability limits. An SR-22 filing may be required by your state's DMV if you've been convicted of a serious driving offense such as DUI, DWI or reckless driving. If this applies to you, make sure the car insurance company complies with the SR-22 requirement.
Car Insurance Resources
For more information on car insurance, please visit the Insurance Information Institute's auto insurance informational page.
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