2004 Ford Crown Victoria Insurance Quotes – 5 Tips for Cheaper Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Nov 17, 2021

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Trying to find cheaper car insurance rates for your Ford Crown Victoria? No one in their right mind cherishes buying car insurance, especially when the cost is way too high. Multiple car insurance companies compete to insure your vehicles, so it can be very hard to choose a provider and get the definite lowest rate possible.

It’s important to price shop coverage before your policy renews since rates fluctuate regularly. Just because you found the best deal for Crown Victoria insurance on your last policy you can probably find a lower rate today. Forget anything you know (or think you know) about car insurance because you’re about to find out how to quote online to find the best coverage while lowering your premiums.

Companies offer discounts so take them!

Insurance can cost an arm and a leg, but there could be available discounts that many people don’t even know exist. Larger premium reductions will be automatically applied at quote time, but lesser-known reductions have to be asked about in order for you to get them. If you don’t get every credit you deserve, you’re just leaving money on the table.

  • Homeowners Discount – Owning a home may trigger a auto insurance policy discount because owning a home is proof that your finances are in order.
  • Low Mileage Discounts – Fewer annual miles on your Ford can earn discounted rates on garaged vehicles.
  • Senior Citizens – If you’re over the age of 55, you may receive a discount up to 10% for Crown Victoria insurance.
  • Payment Method – If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
  • Accident Forgiveness – Some insurance companies will forgive one accident before your rates go up if your claims history is clear for a particular time prior to the accident.

As a disclaimer on discounts, some credits don’t apply to your bottom line cost. Some only reduce the cost of specific coverages such as collision or personal injury protection. So when the math indicates you can get free auto insurance, you won’t be that lucky. But all discounts will cut your premiums.

Companies that may offer some of the above discounts may include but are not limited to:

  • American Family
  • State Farm
  • 21st Century
  • Travelers
  • GEICO

Check with each company what discounts are available to you. Discounts may not apply everywhere.

How to Get Cheap Auto Insurance

There are multiple methods to compare 2004 Ford Crown Victoria auto insurance prices but there is one way that is more efficient than others. You could spend your day discussing policy coverages with local insurance agents in your area, or you could use online quotes to get pricing more quickly.

Many companies belong to an insurance system that enables customers to enter their policy data once, and every company can provide price quotes based on the submitted data. This saves time by eliminating quote forms for every auto insurance company.

To find out how much you’re overpaying now click here to open in new window.

The only drawback to doing it this way is you don’t know exactly which carriers to get pricing from. So if you prefer to pick specific providers to compare rates, we have a page of low cost auto insurance companies in your area. Click here for list of insurance companies.

Whichever method you choose, make darn sure you compare exactly the same coverages and limits on every quote. If you have higher or lower deductibles it will be next to impossible to determine the best price for your Ford Crown Victoria.

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Do I just need basic coverages?

When it comes to choosing coverage, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s so this has to be addressed. Here are some questions about coverages that can aid in determining if you could use an agent’s help.

  • Is my trailer covered?
  • When would I need rental car insurance?
  • What vehicles should carry emergency assistance coverage?
  • Do I need an umbrella policy?
  • Where can I find DUI or SR-22 insurance?
  • What is the difference between comprehensive and collision coverage?
  • Do I have coverage for damage caused while driving under the influence?
  • What discounts do I qualify for?
  • Can I still get insurance after a DUI?
  • Is my Ford Crown Victoria covered if I use it for business?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

Can you really save that much by switching?

Consumers can’t get away from ads that promise big savings from companies such as State Farm, Allstate and GEICO. All the ads make an identical promise that you’ll save big if you change your policy.

How does each company make almost identical claims? It’s all in the numbers.

Different companies are able to cherry pick for the type of driver they prefer to insure. An example of a preferred risk could be between the ages of 40 and 55, insures multiple vehicles, and has excellent credit. A customer getting a price quote that hits that “sweet spot” will get the preferred rates and therefore will save a lot of money.

Potential insureds who don’t meet the requirements will be quoted higher rates and this can result in business not being written. Company advertisements say “drivers who switch” not “people who quote” save that much money. That’s why insurance companies can confidently claim big savings.

This emphasizes why you need to get as many comparisons as possible. It’s impossible to know which insurance coverage company will provide you with the cheapest Ford Crown Victoria insurance rates.

The coverage is in the details

Knowing the specifics of your policy helps when choosing the best coverages for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverages available from insurance companies.

Coverage for medical expenses

Med pay and PIP coverage kick in for bills such as prosthetic devices, chiropractic care and funeral costs. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Auto liability insurance

This coverage will cover damage that occurs to a person or their property that is your fault. This coverage protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged property. Occasionally you may see one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like repair bills for other people’s vehicles, repair costs for stationary objects and emergency aid. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible.

Comprehensive insurance

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as hail damage, damage from flooding, vandalism, hitting a bird and damage from a tornado or hurricane. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Ford Crown Victoria.

Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Collision coverage protection

Collision coverage covers damage to your Crown Victoria caused by collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as crashing into a ditch, sideswiping another vehicle and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

More choices the merrier

You just learned a lot of ways to shop for 2004 Ford Crown Victoria insurance online. The most important thing to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the lowest premiums are with a lesser-known regional company. Regional companies can often provide lower rates in certain areas than their larger competitors like State Farm, GEICO and Nationwide.

When shopping online for car insurance, it’s not a good idea to skimp on coverage in order to save money. There have been many cases where drivers have reduced collision coverage and found out when filing a claim that it was a big error on their part. Your strategy should be to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.

Cheaper insurance can be found on the web and with local insurance agents, and you need to price shop both so you have a total pricing picture. Some car insurance companies do not offer the ability to get a quote online and these smaller companies work with independent agents.

More information is available at these links:

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