Compare 2000 Ford Crown Victoria Insurance Cost

Searching for the cheapest auto insurance rates for your Ford Crown Victoria? Paying cheap rates for auto insurance might be kind of frustrating for drivers who are new to online comparison shopping. With such a large choice of companies competing online, it can easily become a difficult situation to compare rates.

Low cost insurance prices

There are a lot of ways to compare insurance quotes, but one way is easier and takes less work. You can spend countless hours driving to insurance agencies in your area, or you can utilize online quoting to get rates in a matter of minutes.

Many companies are enrolled in a marketplace where prospective buyers only type in their quote data once, and every company returns a competitive quote. This system prevents you from having to do repetitive form submissions for each company.

To find out how much you can save on insurance click here (opens in new window).

The single downside to getting quotes like this is you are unable to specify which insurance companies you want to price. So if you prefer to pick specific insurance companies to receive pricing from, we put together a list of companies who write insurance in your area. View list of insurance companies.

Whichever way you choose to compare rates, be sure to compare the same coverage limits with each company. If you compare unequal deductibles or liability limits you will not be able to determine which company has the best rates. Just a small difference in limits may result in a large different in cost. It’s important to know that comparing a wide range of rates provides better odds of finding lower pricing. Some companies don’t provide online price quotes, so it’s important to compare price estimates from them, too.

Don’t be fooled by advertising claims

Well-known car insurance companies like 21st Century, Allstate and State Farm constantly bombard you with ads in print and on television. They all seem to advertise claims that drivers can save some big amount if you get a free insurance coverage quote and switch your car insurance policy to them. How does every company offer you a better deal? It’s all in how they say it.

Car insurance companies have a preferred profile for the type of driver that will add to their bottom line. A good example of this type of insured might be between the ages of 40 and 55, has other policies, and drives a car with an anti-theft system. Any person who matches that profile will get very good auto insurance rates and will also cut their rates substantially.

Consumers who fall outside those standards will probably be forced to pay higher rates and ends up with the customer not buying. The trick is to say “customers that switch” but not “all drivers who get quotes” save the amount stated. That is how companies can make those statements. This emphasizes why it is so important to quote coverage with many companies. Because without a comparison, you cannot know which company will be your best fit.

Get Ford Crown Victoria insurance for less

An important part of buying insurance is that you know the factors that help calculate your premiums. If you have a feel for what determines premiums, this enables you to make decisions that may result in lower rates. Many things are considered when premium rates are determined. A few of the factors are predictable such as your driving history, although some other factors are less obvious such as your credit history or how financially stable you are.

The factors shown below are a few of the “ingredients” companies use to determine prices.

  • Males tend to take more risk – Statistics show women tend to be less risk to insure than men. This data doesn’t prove that males are worse at driving than females. Women and men are responsible for accidents at a similar rate, but guys have costlier accidents. Not only that, but men also have more aggressive citations like DUI and reckless driving. Youthful male drivers are the most expensive to insure and therefore are the most expensive to insure.
  • Can a thief steal your car? – Purchasing a vehicle with an alarm system can help bring down rates. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help stop vehicle theft.
  • Use credit responsibly and save – An insured’s credit score is a large factor in determining premium rates. Insureds that have excellent credit scores tend to file fewer claims and have better driving records as compared to drivers with poor credit. Therefore, if your credit score is not that good, you could be paying less to insure your 2000 Ford Crown Victoria by improving your credit score.
  • Prices increase with policy add-ons – Policies have extra coverages that you can buy when buying auto insurance. Coverages like rental car coverage, towing, and extra equipment coverage are some examples. They may sound like good ideas when buying your policy, but now you might not need them so remove them and pocket the money.
  • Always keep your auto insurance policy in force – Having an insurance coverage lapse is a sure-fire way to increase your rates. Not only will you pay more, getting caught without coverage might get you a fine, jail time, or a revoked license. You may then be required to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
  • Higher premiums for high stress employers – Did you know your auto insurance rates can be affected by your occupation? Jobs like judges, social workers and emergency personnel generally pay higher rates than the rest of us due to intense work-related stress and long work hours. Other jobs like farmers, historians and the unemployed pay lower than average rates on Crown Victoria insurance.
  • Infrequent drivers can save – The more you drive each year the more you’ll pay to insure it. A lot of companies calculate rates partially by how you use the vehicle. Cars and trucks not used for work or commuting qualify for better rates than vehicles that have high annual mileage. A policy that improperly rates your Crown Victoria can cost quite a bit. It’s a smart idea to ensure your vehicle rating is rated on the correct driver usage.

Save a ton by taking advantage of discounts

The price of auto insurance can be rather high, but you might already qualify for some discounts that can help lower your rates. Certain discounts will be applied at the time you complete a quote, but a few must be requested specifically before you will receive the discount.

  • Student Driver Training – Cut your cost by having your teen driver take driver’s ed class in high school.
  • Discount for Low Mileage – Low annual miles may allow you to get substantially lower premium rates.
  • Discount for Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems may qualify for discounts as much as 30%.
  • Theft Deterent System – Vehicles equipped with tracking devices and advanced anti-theft systems can help prevent theft and can earn a small discount on your policy.
  • Senior Citizen Rates – If you qualify as a senior citizen, you may be able to get a small discount on rates on Crown Victoria insurance.
  • Distant Student – Children who are attending college without a vehicle on campus can receive lower rates.
  • No Claim Discounts – Insureds who avoid accidents and claims have much lower rates when compared with policyholders that have many claims.
  • Waiver for an Accident – Not a discount per se, but certain companies will turn a blind eye to one accident before they charge you more for coverage so long as you haven’t had any claims for a particular time prior to the accident.

As a sidenote, most discounts do not apply to all coverage premiums. Most cut individual premiums such as liability and collision coverage. Even though it appears you could get a free insurance coverage policy, nobody gets a free ride.

Large insurance coverage companies and a summarized list of policyholder discounts can be found below.

  • Progressive policyholders can earn discounts including multi-policy, online signing, multi-vehicle, continuous coverage, and online quote discount.
  • AAA may have discounts that include AAA membership discount, good driver, anti-theft, multi-policy, education and occupation, and pay-in-full.
  • Farmers Insurance may include discounts for multi-car, distant student, business and professional, bundle discounts, good student, and alternative fuel.
  • GEICO discounts include federal employee, good student, five-year accident-free, multi-policy, driver training, and emergency military deployment.
  • Esurance has savings for Pac-12 alumni, multi-policy, multi-car, claim free, emergency road assistance, good student, and renters.
  • SAFECO offers discounts for safe driver, homeowner, accident prevention training, multi-car, and drive less.
  • State Farm has discounts for defensive driving training, multiple policy, safe vehicle, student away at school, good student, driver’s education, and accident-free.

When quoting, ask each company or agent which discounts you qualify for. Some credits may not apply to policyholders in your area. To view insurers that offer discounts, click here.

How much auto insurance do I need?

When it comes to choosing the right insurance coverage, there isn’t really a cookie cutter policy. Each situation is unique.

For instance, these questions may help you determine if you could use an agent’s help.

  • How high should my uninsured/underinsured coverage be in my state?
  • Does my policy pay for OEM or aftermarket parts?
  • What is no-fault insurance?
  • Can my babysitter drive my car?
  • Do I have newly-aquired coverage?
  • Do I need replacement cost coverage?
  • What is the rate difference between pleasure use and commuting?

If you can’t answer these questions, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form.

Coverage specifics

Understanding the coverages of car insurance can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Uninsured or underinsured coverage

This protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Ford Crown Victoria.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Liability car insurance

This coverage provides protection from damages or injuries you inflict on a person or their property in an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

It consists of 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 limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability insurance covers claims such as bail bonds, pain and suffering and legal defense fees. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible.

Comprehensive protection

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as hitting a bird, a tree branch falling on your vehicle and vandalism. The most your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for collisions

Collision insurance pays for damage to your Crown Victoria caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as scraping a guard rail, hitting a parking meter and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. You can also increase the deductible to save money on collision insurance.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like ambulance fees, doctor visits, prosthetic devices, dental work and surgery. They are often used in conjunction with a health insurance policy or if you do not have health coverage. It covers you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Have the Midas touch

Drivers switch companies for any number of reasons including poor customer service, lack of trust in their agent, questionable increases in premium or unfair underwriting practices. It doesn’t matter what your reason, finding a great new company can be easier than you think.

Cheaper car insurance can be bought online and from local insurance agents, and you need to price shop both to have the best chance of lowering rates. Some companies do not offer price quotes online and usually these small insurance companies only sell coverage through independent agencies.

You just learned many tips how you can get a better price on 2000 Ford Crown Victoria insurance. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may even discover the lowest priced car insurance comes from the smaller companies.

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