Cheap 2003 Ford Crown Victoria Insurance Rates

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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: Nov 19, 2021

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Having to pay for overpriced insurance can overdraw your bank account and put a big crunch on your finances. Comparison shopping is free, only takes a few minutes, and is a good way to slash your bill and have more diposable income.

Since consumers have many choices of insurance companies, it’s difficult to choose the right car insurance company.

You should make it a habit to compare prices yearly since rates are constantly changing. Even if you think you had the lowest rates for Crown Victoria insurance on your last policy you will most likely find a better rate today. There is too much inaccurate information about insurance online but I’m going to show you some good information on how to quit paying high insurance rates.

This article will let you in on how to get online quotes and some tips to save money. If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using this strategy. But drivers need to learn the way companies market on the web and apply this information to your search.

Discounts are basically free money

Insurance can be prohibitively expensive, but there could be available discounts that you may not know about. Most are applied at the time of quoting, but a few need to be specially asked for before being credited.

  • Discount for Good Grades – This discount can be rewarded with saving of up to 25%. The good student discount can last until age 25.
  • Military Discounts – Having a deployed family member could be rewarded with lower premiums.
  • Resident Student – Youth drivers who attend school more than 100 miles from home without a vehicle on campus may qualify for this discount.
  • Drivers Education – Have your child enroll in driver’s education if it’s offered in school.
  • Driver Safety – Completing a course in driver safety can save you 5% or more depending on where you live.
  • Multi-policy Discount – When you combine your home and auto insurance with one company you could get a discount of at least 10% off all policies.
  • Save over 55 – If you qualify as a senior citizen, you may receive better auto insurance rates for Crown Victoria insurance.
  • Discounts for Safe Drivers – Insureds without accidents may save up to 50% more for Crown Victoria insurance than drivers with accidents.

Keep in mind that some of the credits will not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like liability and collision coverage. Just because you may think having all the discounts means you get insurance for free, companies don’t profit that way. But all discounts will help reduce the cost of coverage.

Insurance companies that possibly offer these discounts are:

  • American Family
  • State Farm
  • 21st Century
  • Travelers
  • GEICO

Check with each insurance company how you can save money. Savings might not apply in your state.

The method we recommend to compare rates is to understand all the major auto insurance companies allow for online access to give free rates quotes. To start a quote, the only thing you need to do is provide information including what you do for a living, if you went to college, driver ages, and the make and model of your vehicles. Your rating data is instantly submitted to multiple auto insurance providers and they provide comparison quotes immediately.

To find lower rates now, click here and enter your zip code.

Factors that can influence insurance rates for a Ford Crown Victoria

An important part of buying insurance is that you know some of the elements that come into play when calculating the price you pay for auto insurance. When you know what positively or negatively controls the rates you pay allows you to make educated decisions that may reward you with big savings.

The list below includes some of the factors companies use to determine rates.

  • Males pay more for insurance – Statistics show that men are more aggressive behind the wheel. However, this does not mean men are worse drivers. Both sexes tend to get into accidents in similar percentages, but the males have costlier accidents. They also receive more costly citations such as DWI and reckless driving. Youthful male drivers are most likely to cause an accident and therefore are the most expensive to insure.
  • Allowing your policy to lapse raises rates – Not having insurance is against the law and your next policy will cost more because you let your coverage lapse. Not only will rates go up, but not being able to provide proof of insurance will get you a revoked license or a big fine.You may need to prove you have insurance by filing a SR-22 with your state motor vehicle department.
  • Lower miles equals lower premium – The higher the mileage driven every year the more you’ll pay to insure your vehicle. Most insurance companies rate vehicles based on how the vehicle is used. Autos that are left in the garage can get a lower rate as compared to vehicles used primarily for driving to work. Verify your auto insurance declarations sheet is showing the correct usage for each vehicle, because it can save money. Incorrect usage on your Crown Victoria may be wasting your money.
  • Credit scores impact auto insurance rates – Credit score is a big factor in determining your rates. Drivers who have good credit tend to be better drivers and file fewer claims than those with lower credit scores. If your credit rating is low, you could save money insuring your 2003 Ford Crown Victoria by improving your credit score.
  • Discounts for multiple policies – Most insurers give discounts to policyholders who carry more than one policy in the form of a multi-policy discount. Even though this discount sounds good, it’s in your best interest to compare rates to confirm you are receiving the best rates possible. You may still be able to find better rates by buying insurance from more than one company.
  • Older drivers pay less – Youthful drivers are known to be careless and easily distracted in a vehicle so they pay higher auto insurance rates. Mature drivers are more cautious drivers, statistically cause fewer accidents and receive fewer citations.

Which insurance is the “right” coverage?

When choosing coverage for your personal vehicles, there really is not a best way to insure your cars. Each situation is unique so your insurance needs to address that. For example, these questions can aid in determining whether or not you may require specific advice.

  • I don’t drive much so do I pay less?
  • Does my personal policy cover me when driving out-of-state?
  • How much underlying liability do I need for an umbrella policy?
  • Who is covered when they drive my 2003 Ford Crown Victoria?
  • What if I owe more than I can insure my car for?
  • When would I need rental car insurance?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

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Auto insurance 101

Knowing the specifics of insurance can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverages available from insurance companies.

Liability auto insurance

This can cover damages or injuries you inflict on a person or their property that is your fault. It protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as structural damage, medical services, legal defense fees, loss of income and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but consider buying as much as you can afford.

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Ford Crown Victoria.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Most of the time these limits are similar to your liability insurance amounts.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for bills like prosthetic devices, X-ray expenses, surgery and doctor visits. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages

This covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as damage from flooding, rock chips in glass and hitting a deer. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision insurance

This coverage covers damage to your Crown Victoria resulting from a collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like hitting a parking meter, backing into a parked car, sustaining damage from a pot hole, scraping a guard rail and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Quote more. Save more.

Affordable 2003 Ford Crown Victoria insurance can be sourced from both online companies as well as from independent agents, and you should compare price quotes from both to get a complete price analysis. A few companies don’t offer online quoting and most of the time these small insurance companies sell through independent agents.

As you prepare to switch companies, make sure you don’t skimp on critical coverages to save a buck or two. In too many instances, an insured dropped collision coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your strategy should be to find the BEST coverage at an affordable rate while not skimping on critical coverages.

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