Best Ford Fairlane Car Insurance in 2024 (Top 10 Companies Ranked)

The best Ford Fairlane car insurance are Farmers, Progressive, and Geico, known for their excellent coverage options and customer service.

These companies stand out in the classic car insurance market by offering tailored policies that address the specific needs of Ford Fairlane owners. Understanding the unique requirements of insuring a vintage vehicle, they provide comprehensive protection against potential risks.

Our Top 10 Company Picks: Best Ford Fairlane Car Insurance

This guide explores the benefits and features of choosing the right insurer for your cherished Ford Fairlane. See our article titled “Best Ford Car Insurance Rates” for more information.

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#1 – Farmers: Top Overall Pick

Pros

• Dedicated Support: Farmers provides exceptional customer service tailored for Ford Fairlane owners, ensuring a smooth claims process.
• Bundling Discounts: Offers significant discounts for bundling Ford Fairlane car insurance with other policies.
• Safe Driver Benefits: Farmers rewards Ford Fairlane owners with a 20% discount for safe driving records. Take a look at our article titled “Farmers Car Insurance Review.”

Cons

• Higher Base Rates: Despite discounts, Farmers’ base rates can be higher for Ford Fairlane insurance compared to competitors.
• Limited Policy Options: Fewer customizable options specifically for Ford Fairlane coverage than some rivals.

#2 – Progressive: Best for Policy Options

Pros

• Extensive Coverage Options: Progressive offers a range of coverage choices, making it ideal for Ford Fairlane owners seeking specific protections.
• Loyalty Rewards: Progressive rewards Ford Fairlane owners with discounts for long-term policy renewal.
• Safe Driver Discount: A 20% discount is available for Ford Fairlane owners with clean driving histories. Learn more about coverage options and monthly rates in our article titled “Progressive Car Insurance Review.”

Cons

• Premium Pricing: Progressive’s premiums might be steep without qualifying for discounts, even for Ford Fairlane policies.
• Complex Policy Terms: Some Ford Fairlane owners might find Progressive’s policy terms confusing or overwhelming.

#3 – Geico: Best for Tech-Savvy

Pros

• Digital Tools: Geico offers advanced online and mobile tools for managing Ford Fairlane insurance policies easily. Learn more about Geico’s rates in our guide titled “Geico Car Insurance Review.”
• Higher Safe Driver Discount: Geico provides a 22% discount for Ford Fairlane owners with safe driving records, higher than many competitors.
• Fast Claims Processing: Known for quick, efficient claims service, benefiting Ford Fairlane owners during stressful times.

Cons

• Less Personalized Service: Geico’s focus on technology might detract from personalized customer service experiences for Ford Fairlane owners.
• Rate Fluctuations: Ford Fairlane insurance rates with Geico can fluctuate more than with some other insurers, affecting budgeting.

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#4 – Travelers: Best for Comprehensive Plans

Pros

• Wide Range of Coverages: Travelers offers comprehensive insurance options that cater to the varied needs of Ford Fairlane owners.
• High Safe Driver Discount: With a 23% discount, Travelers provides one of the highest safe driver discounts for Ford Fairlane owners.
• Flexible Payment Options: Allows Ford Fairlane owners flexibility in payment schedules, easing the financial burden. Read more about Travelers’ ratings in our article titled “Travelers Car Insurance Review.”

Cons

• Higher Premiums: Premiums can be relatively higher for Ford Fairlane owners, particularly those with less common customization.
• Complex Claims Process: Some Ford Fairlane owners may find the claims process to be more cumbersome and less straightforward than with other insurers.

#5 – State Farm: Best for New Drivers

Pros

• Educational Resources: State Farm offers extensive resources and guidance perfect for new Ford Fairlane drivers. Wondering about their level of customer service? Find out in our guide titled “State Farm Car Insurance Review.”
• Lower Entry Costs: Competitive pricing and a 15% safe driver discount make it accessible for new Ford Fairlane owners.
• Personalized Agent Support: Dedicated agents provide tailored advice and support for Ford Fairlane insurance needs.

Cons

• Lower Multi-Policy Discount: Multi-policy discounts are not as competitive for Ford Fairlane insurance, limiting savings.
• Variable Coverage Availability: Some specialized Ford Fairlane coverage options might not be available in all regions.

#6 – USAA: Best for Military Families

Pros

• Highest Safe Driver Discount: At 30%, USAA offers the highest discount for safe driving among Ford Fairlane owners who qualify.
• Tailored Services: Insurance services specifically designed for military families who own a Ford Fairlane. Find out why USAA ranks among the cheapest providers in our article titled “USAA Car Insurance Review.”
• Exceptional Customer Support: Known for outstanding customer service, making it ideal for Ford Fairlane owners in the military.

Cons

• Limited Eligibility: USAA services are only available to military members and their families, restricting access for many Ford Fairlane owners.
• Specific Coverage Focus: While excellent, the coverage may not be as customizable for non-military-related needs of Ford Fairlane owners.

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#7 – Liberty Mutual: Best for Basic Coverage

Pros

• Affordable Basic Options: Offers basic coverage options at competitive rates for Ford Fairlane owners. To see monthly premiums and honest rankings, read our guide titled “Liberty Mutual Car Insurance Review.”
• Accident Forgiveness: Includes accident forgiveness policies, benefiting Ford Fairlane owners during their first at-fault accident.
• Online Management Tools: Efficient online tools help Ford Fairlane owners manage their policies easily.

Cons

• Higher Premiums for Comprehensive Plans: More comprehensive plans for Ford Fairlane come at significantly higher costs.
• Limited Advanced Features: Fewer high-tech features and benefits compared to insurers that specialize in classic cars like the Ford Fairlane.

#8 – Nationwide: Best for Package Deals

Pros

• Bundle Savings: Significant savings available for Ford Fairlane owners who bundle their insurance with home or life policies.
• Wide Coverage Options: Broad range of coverage types meets diverse needs of Ford Fairlane owners.
• Loyalty Discounts: Nationwide rewards long-term Ford Fairlane policyholders with incremental discounts. Explore more discount options in our guide titled “Nationwide Car Insurance Discounts.”

Cons

• Complex Discount Structures: The discount structure can be complex and difficult to maximize for Ford Fairlane policies.
• Rate Adjustments: Policy rates may adjust after initial terms, potentially increasing costs for Ford Fairlane owners.

#9 – AAA: Best for Roadside Assistance

Pros

• Superior Roadside Assistance: AAA offers unparalleled roadside support, essential for classic cars like the Ford Fairlane.
• Policy Flexibility: Allows Ford Fairlane owners to tailor their coverage to include specific needs like travel and repair services.
• Loyalty Perks: Frequent incentives and discounts for long-term Ford Fairlane policyholders. Learn more about AAA roadside assistance in our guide titled “AAA Car Insurance Review.”

Cons

• Membership Requirement: Requires AAA membership, which adds an additional cost for Ford Fairlane insurance.
• Limited High-Value Coverage: May not offer as comprehensive coverage options for high-value Ford Fairlane models as some specialty insurers.

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#10 – Mercury: Best for Affordable Rates

Pros

• Competitive Premiums: Mercury provides some of the most affordable rates for Ford Fairlane insurance. See what customers have to say about policy options and claims satisfaction in our article titled “How do you get a mercury car insurance quote online?“
• Simple Claims Process: Known for a straightforward and efficient claims process, beneficial for Ford Fairlane owners.
• Customizable Coverage Options: Offers a variety of coverage adjustments, allowing Ford Fairlane owners to fit their specific needs.

Cons

• Basic Service Offerings: Lacks some of the advanced features and services offered by higher-end insurers for classic cars like the Ford Fairlane.
• Coverage Limitations: Some specific coverages essential for classic cars like the Ford Fairlane might not be as comprehensive.

Comparative Monthly Rates for Ford Fairlane Insurance

When selecting insurance for the Ford Fairlane, understanding the variations in monthly rates between minimum and full coverage can guide decision-making. The following discussion elaborates on the monthly rates offered by various providers.

Ford Fairlane Car Insurance Monthly Rates by Coverage Level & Provider

For Ford Fairlane owners, insurance costs vary by coverage level and provider. USAA provides the most affordable full coverage at $118 and minimum at $65, ideal for budget-conscious, military-affiliated owners. Conversely, Liberty Mutual’s rates are higher, charging $77 for minimum and $140 for full coverage. See how USAA’s rates compare to other insurance providers in our guide titled “USAA Car Insurance Discounts.”

Other notable providers include Geico and Mercury, offering competitive rates at $68 and $69 for minimum coverage, respectively. Full coverage rates also remain reasonable with Geico and Mercury at $120 and $122. This pricing structure highlights a general trend where full coverage costs substantially more than minimum coverage but provides more comprehensive protection for the iconic Ford Fairlane.

What Do I Need to Know about the Ford Fairlane History

Popular models included the Crown Victoria, the 500, the convertible and the 500 Skyliner. In the 1960s, it was adapted into a mid-size car. The First Generation featured options of I6, V8 3.6 and V8 4.2.

The Second Generation, in the mid-1960s, had upgraded CID V8 engines, and the Third Generation, in the late 1960s, introduced the 428 CID V8. This is when the company introduced the sedan and coupe models of the car. Discover insights in our guide titled “Compare Car Insurance Rates by Vehicle Make and Model.”

The Fourth Generation in the year 1970s saw the Windsor V8 and Cleveland V8 models, as well as the 385 series. After this year, the car was discontinued.

However, the Fairlane was redesigned for the year 2005. The new crossover utility vehicle was described as a people mover that allowed for three-row seating, enabling easy transportation of up to six passengers.

The new Fairline had a three-bar horizontal grill design, which was an innovation for Ford.

It was modeled after the Ford D3, as well as the Taurus and Mercury Sable. This car was conceived as a mini-van replacement, however, the company eventually renamed the model the Ford Flex.

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Why Does the Year of My Ford Fairlane Matter for Car Insurance Rates

With a car that was made for so many years, the type of insurance available can differ greatly. This section will refer to an old school Ford Fairlane, meaning you want collector car insurance. Access comprehensive insights into our guide titled “Compare Car Insurance by Coverage Type.”

In general, Ford Fairlane cars were solidly built, some years and makes more secure than others. Ford introduced new safety features to the car industry in 1956 with this car, including:

• Double Grip Door Latches
• Deep-Center Dished Steering Wheels
• Protected Windows and Doors
• The New “Seatbelt”

In fact, these early Ford Fairlanes were considered so safe it actually turned many car buyers off. Even before safety became government-regulated in 1968, Ford was pushing safety. New and innovative safety features continued with the Ford Fairlane Crown Victoria, including vanishing deductibles which incentivized careful driving.

Of course, much of the Ford Fairlane’s innovations are now commonplace. Therefore, you won’t exactly be paying insurance premiums on a super-safe car. Instead, you will be paying on a classic car.

First, know that practically every classic car insurance provider requires a higher than average cost and a far more restrictive policy.

Nevertheless, you may be surprised to know that a regular car insurance provider could charge up to 500% more than a specialty car program. Collector programs, though restrictive, actually offer some excellent benefits.

When choosing a program, you will be considering three types of coverage:

• Actual Cash Value
• Stated Value
• Agreed Value

The first of these basically treats your collectible car like an ordinary car and pays on the depreciated bluebook value for claims. If you have an old car, it has little value under this policy.

Stated value policies are generally better since you get to set the value of the vehicle yourself. However, the insurance company has the right to pay up to your set amount.

The best policy, then, is the agreed value policy, since this is a guarantee of getting your stated value back.

Be aware that some car insurance providers may demand that you drive your vehicle fewer than 2,500 miles per year to qualify for special coverage.

Will I Pay Extra to Buy Car Insurance for a Ford Fairlane

Buying car insurance for a Ford Fairlane can be more complex and potentially costlier than standard auto insurance due to several factors. Firstly, the Ford Fairlane, being a classic car, often requires specialized classic car insurance, which differs from regular coverage in terms of the valuation and protection it offers. Delve into our evaluation of our article titled “Does car insurance cover all other drivers?”

Additionally, the condition of the vehicle plays a crucial role in determining premiums. A well-maintained or restored Fairlane might attract higher insurance costs due to its increased valuation.

Here are some personal factors that will impact your insurance rates:

• Driving Record
• Age & Gender
• Location
• Credit Score
• Coverage & Vehicle Type

Why not start looking for coverage right now? You can find car insurance rates for a Ford Fairlane by entering your ZIP code and using our search comparison tool now.

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