2002 Ford Crown Victoria Insurance Rates – 8 Discounts for Best Quotes

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Apr 7, 2020

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If shopping for insurance coverage online is new to you, it’s easy to get confused due to the large number of insurance coverage companies offering coverage.

Consumers should take time to do rate comparisons before your policy renews because rates go up and down regularly. Despite the fact that you may have had the best deal on Crown Victoria insurance a few years ago a different company probably has better rates today. Don’t believe everything you read about insurance coverage on the web, but I’m going to show you some good information on how to slash your insurance coverage rates.

If you currently have car insurance, you will be able to reduce your rates substantially using these techniques. Shopping for the lowest cost coverage is easy if you know what you’re doing. But car owners should learn how companies market insurance on the web and apply this information to your search.

Don’t miss out on these eight money-saving discounts

Car insurance can cost a lot, but there are discounts available that many people don’t even know exist. Some discounts apply automatically when you get a quote, but some may not be applied and must be requested specifically before being credited.

  • Homeowners Discount – Owning a home may earn you a small savings because owning a home shows financial diligence.
  • Employee of Federal Government – Employees or retirees of the government can earn a discount up to 10% on Crown Victoria insurance depending on your company.
  • Senior Discount – Older drivers may receive better car insurance rates on Crown Victoria insurance.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles are safer to drive and therefore earn up to a 10% discount.
  • Accident Free – Drivers with accident-free driving histories pay less when compared to accident-prone drivers.
  • One Accident Forgiven – A handful of insurance companies will allow you to have one accident before your rates go up if your claims history is clear prior to the accident.
  • College Student – Youth drivers who are attending college and do not have access to a covered vehicle may qualify for this discount.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of making monthly payments you could save 5% or more.

A little note about advertised discounts, most discounts do not apply the whole policy. Most only apply to specific coverage prices like collision or personal injury protection. Just because it seems like all those discounts means the company will pay you, it doesn’t quite work that way. But all discounts will bring down the amount you have to pay.

For a list of companies offering car insurance discounts, click here to view.

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Do I need special coverages?

When it comes to choosing coverage, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can help discover if you may require specific advice.

  • Does my medical payments coverage pay my health insurance deductible?
  • What can I do if my company won’t pay a claim?
  • How do I insure my teen driver?
  • Can I afford to pay high deductible claims out of pocket?
  • Is my 2002 Ford Crown Victoria covered for flood damage?
  • Do I have newly-aquired coverage?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. To find an agent in your area, complete this form.

Car insurance coverages for a Ford Crown Victoria

Understanding the coverages of a insurance policy can help you determine which coverages you need for your vehicles. Policy terminology can be confusing and nobody wants to actually read their policy.

Medical costs insurance – Med pay and PIP coverage kick in for immediate expenses for things like chiropractic care, EMT expenses, dental work, doctor visits and rehabilitation expenses. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible

Auto liability – Liability coverage provides protection from damage that occurs to people or other property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Some companies may use a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things like attorney fees, legal defense fees and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

UM/UIM Coverage – This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Ford Crown Victoria.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive or Other Than Collision – This covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like a broken windshield, vandalism and hail damage. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverages – This coverage will pay to fix damage to your Crown Victoria resulting from a collision 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 can pay for things like scraping a guard rail, crashing into a building and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.

More comparisons equals lower rates

We covered a lot of ways to save on 2002 Ford Crown Victoria insurance. The key thing to remember is the more companies you get rates for, the better likelihood of reducing your rate. Consumers could even find that the most savings is with the least-expected company.

Cost effective insurance can be found both online and with local insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance providers do not offer you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

When you buy insurance online, do not reduce coverage to reduce premium. Too many times, someone dropped full coverage only to regret at claim time that they should have had better coverage. The ultimate goal is to purchase plenty of coverage at a price you can afford.

More tips and info about insurance is available in the articles below:

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