2000 Ford Crown Victoria Car Insurance Cost – 8 Savings Tips

Want the cheapest auto insurance rates for your Ford Crown Victoria? Finding lower rates for auto insurance can seem to be difficult for consumers not familiar with comparing rates online. You have so many options that it can be a challenge to find the best price.

You need to get comparison quotes quite often because prices trend upward over time. If you had the lowest rates for Crown Victoria insurance two years ago a different company probably has better rates today. Block out anything you think you know about auto insurance because you’re about to find out the right way to find better coverage at a better price.

Do you qualify for these eight discounts?

Companies offering auto insurance don’t list every discount very well, so we break down both the well known and the harder-to-find ways to save on auto insurance.

  • Passive Restraints – Vehicles with factory air bags or motorized seat belts can qualify for discounts of 20% or more.
  • Multiple Policy Discount – When you combine your home and auto insurance with the same insurance company you may save approximately 10% to 15%.
  • Defensive Driving Course – Taking part in a defensive driving course can save you 5% or more depending on where you live.
  • Discount for Life Insurance – Companies who offer life insurance give better rates if you take out a life insurance policy as well.
  • Sign Early and Save – Some insurance companies reward drivers for switching to them before your current expiration date. It can save you around 10%.
  • Homeowners Pay Less – Owning a house can help you save on auto insurance because maintaining a house demonstrates responsibility.
  • Save with a New Car – Insuring a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Low Mileage Discounts – Fewer annual miles on your Ford could qualify for lower rates on the low mileage vehicles.

It’s important to note that most discount credits are not given the the whole policy. Most only cut the cost of specific coverages such as liability, collision or medical payments. Just because it seems like all those discounts means the company will pay you, companies don’t profit that way.

To see a list of insurance companies offering auto insurance discounts, follow this link.

Don’t assume everyone needs the same coverage

When it comes to choosing the right insurance coverage, there is no best way to insure your cars. Your needs are not the same as everyone else’s.

For instance, these questions might help in determining if your situation would benefit from an agent’s advice.

  • I have good health insurance, so how much medical payments coverage do I need?
  • Should I buy full coverage?
  • Does my 2000 Ford Crown Victoria need full coverage?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • How high should deductibles be on a 2000 Ford Crown Victoria?
  • Is business property covered if stolen from my car?
  • Do I really need UM/UIM coverage?
  • Will filing a claim cost me more?
  • Am I covered if I hit a deer?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form.

Beware of misleading insurance coverage ads

State Farm, Geico and Progressive consistently run ads on TV and radio. All the companies make an identical promise of big savings if you change to their company. But how can every company claim to save you money? It’s all in the numbers.

Insurance companies have a preferred profile for the driver they prefer to insure. For instance, a driver they prefer might be between 25 and 40, has no prior claims, and has great credit. A customer who meets those qualifications receives the best rates and most likely will save quite a bit of money when switching.

Potential insureds who do not match this ideal profile will be quoted a more expensive rate and ends up with the customer not buying. Company advertisements say “people who switch” but not “drivers who get quotes” save that much money. That’s why insurance companies can advertise the way they do. This emphasizes why drivers should get a wide range of price quotes. You cannot predict which insurance coverage company will fit your personal profile best.

Information about specific coverages

Learning about specific coverages of your policy can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Collision protection

This covers damage to your Crown Victoria resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as hitting a parking meter, damaging your car on a curb and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also raise the deductible to get cheaper collision coverage.

Uninsured or underinsured coverage

This protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Ford Crown Victoria.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Comprehensive protection

This pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as damage from flooding, hitting a deer, rock chips in glass, damage from getting keyed and hitting a bird. The highest amount a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability coverage

Liability coverage can cover damage or injury you incur to a person or their property in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability can pay for claims like medical expenses, funeral expenses, structural damage, emergency aid and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.

Medical expense coverage

Med pay and PIP coverage kick in for immediate expenses for things like EMT expenses, X-ray expenses and surgery. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage

More effort can pay off

As you shop your coverage around, don’t be tempted to buy lower coverage limits just to save a few bucks. In many instances, an insured dropped liability limits or collision coverage only to discover later that the small savings ended up costing them much more. The proper strategy is to buy enough coverage at the best price.

We’ve covered many ideas to get a better price on 2000 Ford Crown Victoria insurance. The key concept to understand is the more providers you compare, the better likelihood of reducing your rate. Drivers may discover the lowest premiums are with a smaller regional carrier.

Discount insurance is available on the web in addition to many insurance agents, so compare prices from both to have the best selection. Some companies do not provide online price quotes and these small insurance companies work with independent agents.

Other information