Have you fallen victim to high-priced auto insurance? Trust us, there are a lot of people just like you who feel imprisoned by their auto insurance policy.
You have multiple insurers to pick from, and though it is a good thing to have a selection, lots of choices makes it harder to find the lowest cost provider.
Buying car insurance is quite easy. In a nutshell, every driver who shops for auto insurance will be able to cut their insurance bill. Nevertheless, vehicle owners must learn the methods companies use to sell insurance online and take advantage of how the system works.
Low Cost Auto Insurance
All the larger auto insurance companies such as Progressive, GEICO, Allstate and State Farm give insurance quotes on the web. Getting online rates is pretty painless as you simply type in the coverage amounts you desire as requested by the quote form. When the form is submitted, their system automatically orders your driving and credit reports and returns a price based on many factors. Being able to quote online simplifies rate comparisons, but the time required to go to multiple sites and type in the same information can be a bit tiresome and repetitive. But it’s absolutely necessary to perform this step in order to get better auto insurance pricing.
Quote rates the easy way
An easier way to lower your rates makes use of a single form that gets prices from several companies at one time. It’s a real time-saver, eliminates form submissions, and makes price shopping online a little more enjoyable. After sending your information, it gets priced and you can choose any or none of the quotes that you receive. If one or more price quotes are lower than your current rates, you simply finish the application and purchase the new policy. This process takes less than 15 minutes and you will find out if you’re overpaying now.
If you want to find out what other companies charge, click here to open in a new tab and submit the form. If you have your current policy handy, we recommend you enter the coverages exactly as shown on your declarations page. This helps ensure you will have a price comparison for similar coverage.
These factors can influence Ford Crown Victoria insurance rates
Consumers need to have an understanding of some of the elements that come into play when calculating your auto insurance rates. Having a good understanding of what determines base rates enables informed choices that may reward you with big savings.
- Liability insurance protects assets – Liability insurance provides coverage in the event that a jury decides you are liable for personal injury or accident damage. It provides legal defense up to the limits shown on your policy. Liability is cheap compared to physical damage coverage, so drivers should carry high limits.
- How your age affects price – Older drivers are more cautious drivers, tend to file fewer claims and tend to be better behind the wheel. Youthful drivers are statistically proven to get distracted easily behind the wheel therefore auto insurance rates are much higher.
- Theft deterrents lower rates – Driving a car with anti-theft technology or alarm system can get you a discount on your auto insurance. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your car from being stolen.
- Are you male or female? – Statistics show women are more cautious behind the wheel. However, this does not mean women are better drivers. Men and women cause accidents at about the same rate, but the men have costlier accidents. Men also statistically get more serious tickets such as reckless driving. Youthful male drivers are most likely to cause an accident and therefore are the most expensive to insure.
- Your location affects your rates – Choosing to live in a small town can be a good thing when it comes to auto insurance. Fewer drivers means a lower chance of having an accident. Drivers in populated areas have to deal with much more traffic to deal with and a longer drive to work. More time on the road can result in more accidents.
- Performance level impacts rates – The performance of the vehicle you are buying insurance for makes a significant difference in the rate you pay. Since the Ford Crown Victoria falls in the passenger car class, rates will be similar in price or lower compared to average rates. Low performance passenger vehicles generally have the cheapest insurance rates, but the cost you end up paying is determined by many additional factors.
More discounts equal less premium
Companies that sell car insurance do not advertise every discount very clearly, so here is a list both the well known and also the lesser-known discounts you could be receiving.
- Employee of Federal Government – Being employed by or retired from a federal job may qualify you for a discount for Crown Victoria insurance depending on your company.
- Drivers Education – Require your teen driver to successfully complete driver’s ed class if offered at their school.
- Good Student – This discount can save 20 to 25%. This discount can apply up until you turn 25.
- Discount for New Cars – Buying coverage on a new vehicle can save up to 30% since new cars are generally safer.
- Multiple Vehicles – Having multiple vehicles with the same company may reduce the rate for each vehicle.
- Senior Citizens – Mature drivers can possibly qualify for reduced rates for Crown Victoria insurance.
- Use Seat Belts – Requiring all passengers to buckle their seat belts could save 15% off your PIP or medical payments premium.
As a disclaimer on discounts, most credits do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as medical payments or collision. So when the math indicates you would end up receiving a 100% discount, auto insurance companies aren’t that generous.
To choose providers offering auto insurance discounts, click here to view.
Shop online but buy locally
A small number of people would rather buy from a licensed agent and that is just fine! The best thing about comparing insurance prices online is the fact that you can find the lowest rates and still choose a local agent.
To make it easy to find an agent, after completing this simple form, the quote information is instantly submitted to companies who will battle for your coverage. There is no need to leave your house because quoted prices will be sent to your email. It doesn’t get any easier! You’ll get the best rates without the usual hassles of price shopping.
Picking an insurance company requires more thought than just the bottom line cost. Ask your prospective agent these questions:
- Which company do they place the most coverage with?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Do they feel the quoted coverages are adequate?
- Can they give you a list of client referrals?
- Do they make recommendations based only on price?
- How are they compensated?
Auto insurance agents come in two varieties
When looking for a reputable insurance agent or broker, there are two different agency structures that differ in how they can insure your vehicles. Insurance agencies are categorized either captive or independent.
Captive Insurance Agents
Captive insurance agents write business for a single company such as AAA, Allstate and State Farm. Captives cannot compare other company’s rates so they are skilled at selling on more than just price. Captive agents are usually quite knowledgeable on the products they sell which helps them sell insurance even at higher premiums.
Independent Agents (or Brokers)
These agents are not employed by any specific company but rather can write business with any number of different companies enabling the ability to shop coverage around. If you are not satisfied with one company, the agent simply finds a different carrier and that require little work on your part. When comparison shopping, we recommend you include price quotes from at least one independent agent to get the best comparison.
To view a full list of insurance agencies, visit this site.
Upon getting positive responses to these questions as well as a affordable price, it’s possible that you found an auto insurance agent that meets your needs to properly insure your vehicles.
Affordable insurance is out there
The cheapest Ford Crown Victoria insurance is possible online as well as from independent agents, and you should be comparing both to have the best chance of lowering rates. A few companies don’t offer the ability to get a quote online and these small, regional companies work with independent agents.
We just showed you many ways to compare Ford Crown Victoria insurance prices online. The key thing to remember is the more you quote, the higher your chance of finding lower rates. Consumers could even find that the most savings is with a lesser-known regional company. These companies may only write in your state and offer lower rates as compared to the big name companies such as State Farm, GEICO and Nationwide.
As you go through the steps to switch your coverage, never reduce coverage to reduce premium. There are a lot of situations where drivers have reduced liability coverage limits and found out when filing a claim that the few dollars in savings costed them thousands. Your goal should be to get the best coverage possible for the lowest price, not the least amount of coverage.
