1995 Ford Crown Victoria Insurance Rates
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UPDATED: Apr 6, 2020
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Average insurance rates for a 1995 Ford Crown Victoria are $894 a year with full coverage. Comprehensive costs an estimated $132 a year, collision insurance costs $162, and liability insurance costs around $442. Buying a liability-only policy costs as low as $496 a year, and high-risk insurance costs around $1,918. Teen drivers receive the highest rates at up to $3,674 a year.
Annual premium for full coverage: $894
Rate estimates for 1995 Ford Crown Victoria Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 1995 Ford Crown Victoria models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range range from as low as $496 for just liability insurance to a high of $1,918 for high-risk insurance.
These differences demonstrate why it is important for drivers to compare prices for a targeted area and risk profile, rather than relying on price averages.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap 1995 Ford Crown Victoria Insurance
Trying to find better car insurance rates? Buyers have options when searching for the best price on Ford Crown Victoria insurance. You can either spend your time calling around trying to get quotes or leverage the internet to compare rates. There are more efficient ways to compare car insurance rates so we’re going to tell you the proper way to get price quotes on a Ford and get the lowest possible price from both online companies and local agents.
Finding affordable coverage is easy if you know what you’re doing. If you are paying for car insurance now, you stand a good chance to be able to save some money using this strategy. Consumers only need to know the proper way to shop their coverage around on the web.
Finding Insurance Deals
Getting a cheaper price on 1995 Ford Crown Victoria insurance is not rocket science. You just need to take the time to get quotes online from several insurance companies. This is very easy and can be done in a couple of different ways.
- The fastest way to get quotes for comparison would be an industry-wide quote request form (click to open form in new window). This method prevents you from having to do separate forms for every insurance company. Filling out one form will get you price quotes from many national carriers. It’s the fastest way to compare.
- Another way to compare prices consists of visiting each individual company website to complete a price quote. For example, we’ll assume you want to compare rates from State Farm, Allstate and Farmers. You would have to go to every website and enter your information, which is why the first method is quicker.
To view a list of companies in your area, click here.
Whichever way you use, compare identical coverage information on every quote you get. If you use unequal deductibles or liability limits you will not be able to make an equal comparison.
Ford Crown Victoria insurance rates are influenced by…
Consumers need to have an understanding of some of the elements that come into play when calculating the rates you pay for auto insurance. Knowing what determines base rates allows you to make educated decisions that may reward you with much lower annual insurance costs.
The list below includes a partial list of the pieces companies use to determine rates.
- Marriage brings a discount – Having a wife or husband can get you a discount when buying auto insurance. Having a spouse usually means you are more mature than a single person and it’s statistically proven that married couples file fewer claims.
- Your auto insurance rates can be influenced by your job – Did you know your job can affect your rates? Occupations such as doctors, social workers and dentists are shown to have the highest average rates attributed to job stress and lots of time spent at work. Other occupations like farmers, historians and performers pay the least on Crown Victoria insurance.
- Your credit rating is important – Having a bad credit history is a large factor in calculating your auto insurance rates. So if your credit history is not that good, you could potentially save money when insuring your 1995 Ford Crown Victoria by improving your rating. Drivers with excellent credit tend to file fewer claims and have better driving records than drivers who have lower credit scores.
- Safer cars cost less to insure – Vehicles with good safety scores get lower rates. The safest vehicles reduce injuries and lower injury rates means less money paid by your insurance company passed on to you as lower rates. If your Ford Crown Victoria is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
Discounts can save BIG
Companies offering auto insurance do not advertise all available discounts in a way that’s easy to find, so we took the time to find some of the more common and also the lesser-known ways to save on car insurance. If you aren’t receiving every discount available, you are throwing money away.
- Good Student – A discount for being a good student can save 20 to 25%. This discount can apply up until you turn 25.
- Anti-theft Discount – Anti-theft and alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
- New Vehicle Savings – Insuring a new car can be considerably cheaper since new cars are generally safer.
- One Accident Forgiven – A few companies will allow you to have one accident before hitting you with a surcharge as long as you don’t have any claims for a particular time prior to the accident.
- Military Rewards – Having a deployed family member could mean lower rates.
- Pay Now and Pay Less – If paying your policy premium upfront rather than paying monthly you can actually save on your bill.
- Drive Safe and Save – Drivers who don’t get into accidents can pay as much as 50% less on Crown Victoria insurance than less cautious drivers.
- Senior Citizens – Mature drivers may receive a discount up to 10% on Crown Victoria insurance.
- Sign Online – Some insurance companies will discount your bill up to fifty bucks for buying a policy and signing up on their website.
It’s important to understand that some credits don’t apply to the entire policy premium. Most only apply to the price of certain insurance coverages like collision or personal injury protection. Just because it seems like you could get a free car insurance policy, companies don’t profit that way.
Insurance companies that may have these money-saving discounts include:
Check with all companies you are considering how you can save money. Discounts might not be offered in your state.
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Will just any policy work for me?
When it comes to choosing proper insurance coverage for your vehicles, there really is not a perfect coverage plan. Everyone’s needs are different.
These are some specific questions may help you determine whether your personal situation may require specific advice.
- Is motorclub coverage worth it?
- Can I still get insurance after a DUI?
- What happens if I owe more than my 1995 Ford Crown Victoria is worth?
- Do I need higher collision deductibles?
- Am I covered when pulling a rental trailer?
- Is other people’s property covered if stolen from my vehicle?
- How much underlying liability do I need for an umbrella policy?
- What is the minimum liability in my state?
If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and may give you better protection.
Coverages available on your insurance policy
Learning about specific coverages of your insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement.
Insurance for medical payments – Med pay and PIP coverage pay for short-term medical expenses for things like dental work, prosthetic devices, chiropractic care and doctor visits. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage
Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your 1995 Ford Crown Victoria.
Due to the fact that many 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.
Liability auto insurance – This will cover damage that occurs to a person or their property. This insurance protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.
Liability coverage pays for things like medical services, structural damage and emergency aid. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible.
Collision – This coverage pays for damage to your Crown Victoria resulting from a collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.
Collision can pay for things like sustaining damage from a pot hole, backing into a parked car, colliding with another moving vehicle, damaging your car on a curb and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible in order to get cheaper collision rates.
Comprehensive coverage (or Other than Collision) – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things such as rock chips in glass, falling objects, vandalism, hail damage and hitting a deer. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Don’t break the bank
In this article, we covered many ways to shop for 1995 Ford Crown Victoria insurance online. The key concept to understand is the more providers you compare, the better likelihood of reducing your rate. You may even discover the best prices are with the smaller companies.
Drivers who switch companies do it for a number of reasons such as policy cancellation, poor customer service, policy non-renewal or even not issuing a premium refund. Regardless of your reason for switching companies, choosing a new company is less work than it seems.
As you prepare to switch companies, do not buy lower coverage limits just to save a few bucks. There are too many instances where consumers will sacrifice comprehensive coverage or liability limits only to discover later that a couple dollars of savings turned into a financial nightmare. The aim is to purchase a proper amount of coverage for the lowest price while still protecting your assets.
More tips and info about car insurance can be found at these sites:
- Comprehensive Coverage (Liberty Mutual)
- How to Avoid Staged Accidents (State Farm)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- Choosing an Insurance Company (Insurance Information Insitute)
Rates by U.S. City
|New York City, NY||$1,416|
|Los Angeles, CA||$1,527|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$52|
|5-yr Claim Free||$55|
|Paid in Full/EFT||$30|
Discounts are estimated and may not be available from every company or in every state.