Cheaper 2000 Ford Crown Victoria Insurance Quotes

Searching for the cheapest insurance rates for your Ford Crown Victoria? Saving money on insurance is always challenging for drivers who have little experience buying insurance online. With such a large number of online companies available, it can quickly become a real hassle to locate the lowest prices.

You need to get comparison quotes every six months because insurance rates trend upward over time. If you had the lowest rate for Crown Victoria insurance six months ago you may be paying too much now. Block out anything you think you know about insurance because you’re about to learn how to use online quotes to properly buy coverages while reducing your premium.

If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using these tips. Locating affordable protection can be fairly easy. Although consumers must learn the way companies compete online.

Cheap insurance rate quotes

Most companies provide insurance quotes online. Getting online quotes is very simple as you just enter your coverage preferences as detailed in the form. Once entered, their rating system orders your driving and credit reports and returns a price based on the information you submitted.

This makes it simple to compare prices but the work required to visit each company’s website and repetitively complete many quote forms can be a bit repetitive. But it is imperative to do this in order to find lower prices.

Online rates the easy way

A quicker way to find better insurance pricing uses one simple form to obtain quotes from multiple companies. It’s a real time-saver, reduces the work, and makes online quotes much more enjoyable. Immediately after you send the form, it gets priced and you can select your choice of the pricing results. If you find a better price you can simply submit the application and purchase the new policy. The entire process just takes a couple of minutes and could lower your rates considerably.

To save time and use this form to compare rates, click here to open in a new tab and submit your coverage information. If you currently have coverage, we recommend that you enter deductibles and limits exactly as they are listed on your policy. This way, you will have an apples-to-apples comparison using the exact same coverages.

Do you really save 40% when you switch?

Companies like Progressive, Allstate and GEICO endlessly run ads on television and other media. All the companies advertise the message that drivers can save some big amount if you switch your coverage to them. That’s great but how can every company say the same thing? It’s all in how they say it.

All companies give the cheapest rates for the type of driver that will add to their bottom line. For example, this type of driver might be a married male, has no driving citations, and drives less than 7,500 miles a year. Someone that hits that “sweet spot” is entitled to the best price as well as cut their rates if they switch.

Potential customers who do not meet the “perfect” profile will be charged a higher premium which leads to business not being written. If you pay attention, the ads say “customers that switch” but not “everyone who gets a quote” save that much. That’s the way companies can truthfully advertise the way they do. That is why you really should get insurance quotes as often as possible. It is impossible to guess which company will give you lower prices than your current company.

Pay discount rates these premium-slashing discounts

Companies that sell car insurance don’t necessarily list all possible discounts very well, so we researched a few of the more well known and also the more inconspicuous insurance savings. If you aren’t receiving every discount you deserve, you are throwing money away.

  • Own a Home – Being a homeowner can save you money because of the fact that having a home demonstrates responsibility.
  • E-sign Discounts</strong – A handful of companies will discount your bill up to fifty bucks for buying your policy digitally online.
  • Early Renewal Discounts – A few insurance companies allow discounts for switching to them prior to your current policy expiration. It can save you around 10%.
  • Payment Method – By paying your entire bill at once as opposed to paying monthly you may reduce your total bill.
  • Good Student – Performing well in school can earn a discount of 20% or more. The good student discount can last until age 25.
  • Drive Safe and Save – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for Crown Victoria insurance than their less cautious counterparts.
  • Student Discount for Driver Training – Cut your cost by having your teen driver participate in a local driver’s education class in school or through a local driver safety program.
  • ABS and Traction Control Discounts – Vehicles that have anti-lock braking systems are much safer to drive so companies give up to a 10% discount.
  • Safety Course Discount – Completing a course that instructs on driving safety could save 5% or more and make you a better driver.

As a sidenote, some of the credits will not apply the the whole policy. Most only reduce the cost of specific coverages such as medical payments or collision. Despite the fact that it seems like you could get a free insurance policy, nobody gets a free ride.

The best insurance companies and the discounts they provide are outlined below.

  • Progressive offers discounts for homeowner, multi-vehicle, good student, online quote discount, and continuous coverage.
  • GEICO includes discounts for multi-policy, membership and employees, multi-vehicle, anti-theft, emergency military deployment, daytime running lights, and military active duty.
  • State Farm may have discounts that include Steer Clear safe driver discount, student away at school, Drive Safe & Save, anti-theft, multiple autos, good driver, and safe vehicle.
  • Esurance may include discounts for anti-theft, homeowner, multi-car, online quote, and claim free.
  • The Hartford may offer discounts for vehicle fuel type, defensive driver, anti-theft, good student, and driver training.

When getting a coverage quote, ask every insurance company how you can save money. Some credits may not apply to policyholders in your area.

Do I need special coverages?

When it comes to buying coverage, there really is no “best” method to buy coverage. Everyone’s situation is unique.

For instance, these questions may help you determine if your insurance needs may require specific advice.

  • Am I covered when driving someone else’s vehicle?
  • Is business equipment covered while in my vehicle?
  • Should I buy full coverage?
  • Can my teen driver be rated on a liability-only vehicle?
  • Do I need medical payments coverage since I have good health insurance?
  • Does insurance cover tools stolen from my truck?
  • Are rock chip repairs covered?
  • What is an SR-22 filing?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an agent. To find an agent in your area, fill out this quick form.

Educate yourself about car insurance coverages

Understanding the coverages of car insurance can help you determine the right coverages and proper limits and deductibles. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Crown Victoria.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as rock chips in glass, vandalism, damage from getting keyed and fire damage. The most you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for immediate expenses for things like ambulance fees, hospital visits, rehabilitation expenses and prosthetic devices. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

This coverage covers damage to your Crown Victoria caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like rolling your car, crashing into a building, colliding with another moving vehicle, colliding with a tree and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Liability insurance

This coverage can cover damage or injury you incur to other people or property in an accident. It protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things such as court costs, emergency aid, loss of income, medical services and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Buy online or local, you save

We covered a lot of tips how to reduce 2000 Ford Crown Victoria insurance prices online. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding the cheapest insurance. You may be surprised to find that the best prices are with some of the lesser-known companies.

As you quote insurance, don’t be tempted to buy less coverage just to save a little money. In many cases, someone dropped collision coverage only to regret that the savings was not a smart move. The aim is to buy the best coverage you can find at a price you can afford, not the least amount of coverage.

Some insurance companies may not offer the ability to get a quote online and these small, regional companies sell through local independent agencies. Cheap 2000 Ford Crown Victoria insurance is attainable on the web and from local agencies, so compare prices from both to have the best chance of lowering rates.

Additional information can be read below:

Comments About 2000 Ford Crown Victoria Insurance

  1. Estella Kemp

    I compared a lot of rate quotes for a 2000 Ford Crown Victoria in Idaho Falls, Idaho. Ended up at darn near $100 every six months with Auto-Owners.

  2. Bernetta Wong

    Thought I’d throw in my experience. From a town just southwest of Rapid City, South Dakota. Quoted prices from American Family, Mercury, and Travelers for my Ford and I think I saved around $20 each month. Insured with Esurance before.

  3. Kareen Frederick

    Lifelong resident of Saint Louis, Missouri. Compared quite a few companies. Saved roughly $20 a month. 21st Century was the cheapest option for me. I got prices on the web.

  4. Angelique Mcclure

    I’m from Birmingham, Alabama. I got free quotes from AAA, MetLife, and a few others for my Ford and saved $91 a year. They offer free online rate quotes. Liability only on my Ford.

  5. Bernice Joseph

    Anyone like their agent?

  6. Alfonso Wall

    Does Massachusetts require a SR-22 after a DUI?

  7. Pattie Boyd

    Well-written and thought out article. Lifelong resident of Cincinnati, Ohio. Quoted with Safeco, Esurance, Progressive, and Auto-Owners for my 2000 Ford Crown Victoria and saved just over $100 a year. Not sure about claim service. I just carry liability insurance.

  8. Felicia Key

    In Colorado Springs, CO, American Family had the best rates for my 2000 Ford Crown Victoria. Insured with Auto-Owners before. Not sure about claim service. Liability only on my Ford.

  9. Shanda Vasquez

    Will Allstate cancel me for an at-fault accident?

  10. Jade Mcgowan

    If you have a good history and are close to Chesapeake, VA, check out State Farm. I saved quite a bit. I’m a pretty good driver though. It’s easy to compare rates online now. Liability only on my Ford.

  11. Mitch Wolfe

    Will State Farm raise rates for a small claim?

  12. Miesha Chavez

    I’m from Green Bay, WI. Quoted prices from Auto-Owners, Mercury, and some smaller one I can’t remember the name of for my 2000 Ford Crown Victoria and saved just over $90 a year. Insured with Eastwood before. Just go online and compare their rates.

  13. Orval Underwood

    I compared a lot of rate quotes for a 2000 Ford Crown Victoria in Jackson, Mississippi. Ended up at about $90 every six months with Auto-Owners. Was with Allstate. Can still barely afford it. When should I drop full coverage?

  14. Anisha Edwards

    GEICO and Allstate had the best prices I found in Alaska.

  15. Jess Graves

    Went with GEICO for my 2000 Ford Crown Victoria and saved around $120 a year.

  16. Dion Barton

    Does 21st Century use ACV or replacement cost?