Buyers have a choice when searching for the best price on Ford LTD Crown Victoria insurance. You can either spend your time calling around trying to get quotes or use the internet to get rate quotes. There is a right way and a wrong way to shop for auto insurance so we’re going to tell you the proper way to price shop coverage for a Ford and find the lowest possible price.
How to Get Auto Insurance Comparison Quotes
All the larger auto insurance companies allow you to get pricing online. Getting quotes is quite easy as you simply enter your coverage information as requested by the quote form. Once you submit the form, their rating system makes automated requests for your credit score and driving record and returns a price based on these factors.
This makes it a lot easier to compare rates but having to visit different websites and complete many quote forms can be a bit repetitive. But it’s absolutely necessary to compare as many rates as possible in order to get the best price possible.
The easiest way to find better auto insurance pricing requires only one form that gets price quotes from many companies. This type of form saves time, eliminates form submissions, and makes online shopping much more enjoyable and efficient. After your information is entered, it is quoted and you can choose any one of the quote results. If one or more price quotes are lower than your current rates, you can click and sign and purchase coverage. This process takes less than 15 minutes and can result in significant savings.
In order to find out if lower rates are available, click here to open in a new tab and input your coverage information. If you have a policy now, it’s recommended you enter your coverages as shown on your current policy. This way, you will be getting a price comparison using the same coverage and limits.
Ford LTD Crown Victoria rates are made up of many parts
Consumers need to have an understanding of some of the elements that come into play when calculating the price you pay for auto insurance. Having a good understanding of what influences your rates enables informed choices that could result in better auto insurance rates.
The list below includes some of the factors auto insurance companies consider when setting premiums.
- Don’t skimp on liability – Liability coverage is the coverage that protects you in the event that you are found to be at fault for damages caused by your negligence. It will provide legal defense which can be incredibly expensive. Liability is cheap when compared with rates for comp and collision, so do not cut corners here.
- Save money with special equipment – Choosing a vehicle with a theft deterrent system can help lower your rates. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart car theft.
- Men are more aggressive – Statistics show that men are more aggressive behind the wheel. However, this does not mean women are BETTER drivers than men. Men and women cause accidents at a similar rate, but the male of the species have costlier accidents. Men also tend to get cited for more serious violations like reckless driving and DUI. Male drivers age 16 to 19 are the most expensive to insure and are penalized with high auto insurance rates.
- Never allow your policy to lapse – Letting your insurance expire will be a sure-fire way to increase your auto insurance rates. And not only will your rates increase, failure to provide proof of insurance can result in a revoked license or a big fine.Then you may be required to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
Lower rates by qualifying for discounts
Companies that sell car insurance don’t list all their discounts very well, so the following is a list of some of the best known and the harder-to-find savings tricks you should be using.
- Senior Citizens – Older drivers may be able to get better auto insurance rates for LTD Crown Victoria coverage.
- Anti-lock Brake Discount – Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
- Military Rewards – Having a family member in the military could be rewarded with lower premiums.
- Life Insurance Discount – Select insurance companies reward you with a discount if you purchase life insurance from them.
- Theft Prevention Discount – Anti-theft and alarm systems help deter theft and will save you 10% or more.
It’s important to understand that many deductions do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like all those discounts means the company will pay you, auto insurance companies aren’t that generous.
Buying auto insurance from a local agent
Some people would rather buy from a local agent and that is OK! One of the great benefits of getting online price quotes is you can get the lowest rates and still choose a local agent.
For easy comparison, once you complete this form (opens in new window), your insurance data is submitted to companies who will compete for your coverage. You never need to even leave your home as quotes are delivered to the email address you provide. How’s that for easy! You can find better rates AND a local agent.
Deciding on a company should depend on more than just a cheap price. Any agent should be forthright in answering these questions:
- What are the financial ratings for the companies they represent?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Do they review policy coverages at every renewal?
- What is the agency’s Better Business Bureau rating?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Can glass repairs be made at your home?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
Not all insurance agencies are the same
If you’re trying to find a reliable agent, you need to know there are two different agency structures to choose from. Agents are either captive or independent.
Captive Agents
Captive agents have only one company to place business with and examples are Allstate, Farmers Insurance, State Farm and AAA. They usually cannot place coverage with different providers so it’s a take it or leave it situation. Captives are trained well in insurance sales and that can be a competitive advantage. Some people will only choose to use a captive agent partially due to high brand loyalty and the convenience of having a single billing for all their coverages.
Independent Agents (or Brokers)
Independent agents do not work for one specific company but instead can place your coverage with many different companies and potentially find a lower price. If your agent finds better pricing, they simply move the coverage in-house without you having to go to a different agency.
When comparison shopping, it’s a good idea to include at a minimum one independent agency to get the best comparison. They also have the ability to place coverage with lesser-known insurance companies which may provide better rates.
To view a complete directory of auto insurance agents, visit this site.
Once you have acceptable answers to any questions you have and a low price estimate, most likely you have located a car insurance agent that will insure your vehicles.
A little work can save a LOT of money
The cheapest Ford LTD Crown Victoria insurance can be sourced both online in addition to many insurance agents, so you should compare both to have the best selection. Some companies do not provide you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.
As you prepare to switch companies, it’s a bad idea to skimp on coverage in order to save money. There have been many situations where someone dropped liability limits or collision coverage and found out when filing a claim that the savings was not a smart move. Your strategy should be to find the BEST coverage at an affordable rate.
We just presented a lot of techniques to compare Ford LTD Crown Victoria insurance prices online. The key thing to remember is the more rate quotes you have, the higher your chance of finding lower rates. You may even discover the lowest rates come from a company that doesn’t do a lot of advertising.
