2000 Ford Crown Victoria Car Insurance Quotes

Looking for lower insurance coverage rates for your Ford Crown Victoria? Finding low-cost insurance for a Ford Crown Victoria can normally be a lot of work, but you can use these tips to make it easier. There is a better way to buy insurance coverage and we’ll show you the proper way to compare rates for a Ford and obtain the cheapest rates from local insurance agents and online providers.

Vehicle Insurance Comparison

Comparing auto insurance rates can be a daunting task if you aren’t aware of the easiest way. You can waste a few hours (or days) driving to local insurance agents in your area, or you can utilize online quoting to accomplish the same thing much quicker.

Many of the larger companies belong to a marketplace that enables customers to submit one quote, and each company then gives them pricing determined by their information. This saves time by eliminating quote requests for every auto insurance company. To get comparison pricing now click here to open in new window.

The single downside to comparing rates this way is buyers cannot specifically choose the providers to get pricing from. If you would rather choose individual companies to compare, we have a page of auto insurance companies in your area. View list of insurance companies.

However you get your quotes, be sure to compare apples-to-apples coverage information with every price quote. If the quotes have differing limits it will be very difficult to find the best deal for your Ford Crown Victoria.

Discounts mean cheaper 2000 Ford Crown Victoria insurance rates

Companies offering auto insurance don’t necessarily list every discount very clearly, so we took the time to find some of the more common as well as the least known auto insurance savings. If you’re not getting every credit you deserve, you’re just leaving money on the table.

  • Accident Free – Good drivers with no accidents can save substantially when compared to drivers who are more careless.
  • Student in College – Youth drivers who are attending college and do not have a car may qualify for this discount.
  • Military Rewards – Being on active duty in the military may qualify for rate reductions.
  • Defensive Driving Course – Taking a course in driver safety can save you 5% or more depending on where you live.
  • Good Student Discount – Getting good grades can get you a discount of up to 25%. The good student discount can last well after school through age 25.
  • Multiple Vehicles – Having multiple vehicles on the same auto insurance policy can get a discount on all vehicles.
  • Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts of 20% or more.
  • Drive Safe and Save – Safe drivers may receive a discount up to 45% less for Crown Victoria insurance than drivers with accidents.
  • Braking Control Discount – Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.

It’s important to note that most credits do not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears you could get a free auto insurance policy, you won’t be that lucky.

To see a list of companies offering auto insurance discounts, click here.

Tailor your coverage to you

When it comes to buying the best insurance coverage coverage, there really is not a best way to insure your cars. Each situation is unique.

Here are some questions about coverages that can aid in determining whether or not you would benefit from professional advice.

  • Is my teen driver covered when they drive my company car?
  • Is my state a no-fault state?
  • Can my teen driver be rated on a liability-only vehicle?
  • Can I make deliveries for my home business?
  • Why do I only qualify for high-risk insurance?
  • How high should my medical payments coverage be?
  • Should I drop comprehensive coverage on older vehicles?
  • Will my insurance pay for OEM parts?
  • Where can I find high-risk insurance?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form. It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance coverages 101

Having a good grasp of your policy aids in choosing the best coverages and proper limits and deductibles. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Collision coverage protection

This coverage will pay to fix damage to your Crown Victoria from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as scraping a guard rail, sustaining damage from a pot hole and colliding with a tree. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.

Liability coverages

This can cover damages or injuries you inflict on a person or their property in an accident. It protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things such as bail bonds, attorney fees and legal defense fees. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Ford Crown Victoria.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Comprehensive (Other than Collision)

This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like hitting a deer, falling objects, fire damage and damage from flooding. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for bills such as ambulance fees, X-ray expenses, dental work and rehabilitation expenses. They can be used in conjunction with a health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible