How Much Does 2001 Ford Crown Victoria Insurance Cost?

Shoppers have a choice when shopping for low-cost Ford Crown Victoria insurance. They can either spend hours driving around to get rate comparisons or use the internet to compare rates. There are both good and bad ways to find car insurance online and we’ll show you the absolute fastest way to get price quotes on a Ford and find the lowest price either online or from local insurance agents.

How to Lower Your Insurance Coverage Cost

There are a lot of ways to shop for insurance coverage, and some are less labor-intensive and much quicker. You can waste a few hours (or days) driving to insurance agencies in your area, or you can utilize the web to get rate comparisons in just a few minutes.

Most major companies belong to a marketplace where insurance shoppers submit their information once, and each company can give them a price determined by their information. This prevents consumers from doing quote forms for each company.

To access this free quoting program, click here to start a free quote.

The one downside to doing it this way is that consumers can’t choose which insurance companies you will receive quotes from. So if you want to select individual companies to receive pricing from, we have a page of insurance coverage companies in your area. Click to view list.

Whichever way you use, ensure you are comparing apples-to-apples information with every price quote. If you compare mixed coverages you will not be able to make a fair comparison for your Ford Crown Victoria.

You probably qualify for some discounts

Companies that sell car insurance don’t necessarily list every discount very clearly, so we researched both well-publicized and the more hidden discounts you could be receiving. If you’re not getting every credit you qualify for, you are paying more than you should be.

  • Paperwork-free – A few companies may give you up to $50 simply for signing digitally online.
  • Passive Restraints – Vehicles with factory air bags or motorized seat belts can get savings of 20% or more.
  • Senior Discount – If you qualify as a senior citizen, you can possibly qualify for a small decrease in premiums for Crown Victoria coverage.
  • Military Rewards – Having a deployed family member may qualify for rate reductions.
  • Low Mileage – Driving fewer miles could qualify for discounted rates on garaged vehicles.

A little note about advertised discounts, most discount credits are not given to your bottom line cost. Some only reduce specific coverage prices like physical damage coverage or medical payments. So when the math indicates adding up those discounts means a free policy, you’re out of luck.

For a list of providers with the best car insurance discounts, click here to view.

There’s no such thing as the perfect policy

When choosing proper insurance coverage, there really is no one size fits all plan. Every situation is different.

For instance, these questions can help discover if your insurance needs could use an agent’s help.

  • I don’t drive much so do I pay less?
  • When can my company non-renew my policy?
  • Does my insurance cover my expensive audio equipment?
  • What if I total my 2001 Ford Crown Victoria and owe more than it’s worth?
  • Does my policy cover my teen driver if they drive my company car?
  • Can I afford to pay high deductible claims out of pocket?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.

Information about specific coverages

Knowing the specifics of insurance can help you determine which coverages you need at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Crown Victoria.

Due to the fact that 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 a good idea.

Comprehensive coverages – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like a broken windshield, vandalism, falling objects and hail damage. The maximum amount you’ll receive from a claim 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.

Collision coverages – Collision coverage pays for damage to your Crown Victoria resulting from a collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things like hitting a parking meter, colliding with a tree, sideswiping another vehicle, hitting a mailbox and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Coverage for medical payments – Coverage for medical payments and/or PIP provide coverage for bills for things like X-ray expenses, pain medications, dental work and ambulance fees. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Coverage for liability – Liability coverage protects you from damage that occurs to other people or property by causing an accident. This coverage protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability can pay for things like pain and suffering, repair costs for stationary objects, court costs and attorney fees. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.