Hear from Our Customers
Most used cars come with question marks. Unknown previous owners. Sketchy history. Deferred problems that become your expensive headache three months in.
Police interceptors are different. These vehicles were maintained on schedule because departments can’t afford breakdowns during shifts. They were built with heavy-duty brakes, reinforced suspensions, and performance components that outlast standard consumer models. You’re getting a Ford that was designed to handle pursuit scenarios and long idle times, not just grocery runs.
The Ford Police Interceptor Utility isn’t some stripped-down fleet vehicle. It’s powered by a 3.5L EcoBoost engine that outperforms V8 competitors in independent testing. You get all-wheel drive capability, up to 21 MPG highway, and a vehicle that was built for reliability under pressure. That means fewer breakdowns and better long-term value for you.
And here’s what really matters: you’re not paying dealership markup. Our inventory comes from government auctions, which means you’re getting auction pricing without having to bid against taxi companies and security firms. Vehicles that would cost you double at a traditional lot are sitting in our inventory right now, ready to go.
State Surplus Auto Sales was started by Carmen Yannuzzi, a career law enforcement officer with over twenty-five years on the job. He saw quality government vehicles going to auction and knew they’d make reliable transportation for people who couldn’t afford new car prices. That was over fifteen years ago.
We’re not a typical used car lot. We specialize exclusively in government surplus vehicles, which means we know the exact maintenance schedules these interceptors followed, what components were upgraded from factory specs, and what to look for when evaluating inventory. You’re working with people who understand these vehicles from the inside out.
Rochester-area buyers have been coming to us because the financing actually makes sense. Zero percent interest for everyone. No credit score requirements. No games with the rate based on your history. You pick the vehicle, we work out terms that fit your budget, and you drive home in a police interceptor that costs thousands less than you’d pay anywhere else.
You start by browsing our current inventory of used cop cars for sale. We carry Ford Police Interceptor Utilities, Crown Interceptors, and other pursuit-rated vehicles that just came out of service. Every vehicle gets listed with accurate mileage, model year, and available features so you know exactly what you’re looking at.
Once you find something that fits, you can visit our location to see it in person. No pressure, no rush. You’ll get time to inspect the vehicle, ask questions about its service history, and take it for a test drive. Our team knows these interceptors well enough to walk you through what makes each one different.
Financing happens next, and this is where we’re completely different. You get zero percent interest regardless of your credit situation. Bad credit, no credit, previous bankruptcy—none of it changes your rate. We figure out a payment plan that works with your income, you sign the paperwork, and the vehicle is yours.
If you have a trade-in, we’ll give you a fair value for it. We’re not trying to lowball you to pad our margins. You’ll get more for your trade here than you would at a franchise dealership, and that difference comes right off your purchase price.
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Our inventory focuses on Ford Police Interceptor models because they’re the most common pursuit-rated vehicles in the United States. That means parts are easy to find, any mechanic can work on them, and you’re not stuck with some obscure model that becomes a nightmare to maintain.
Pricing starts around $5,900 for older models and goes up depending on year, mileage, and features. The nationwide average for a used Police Interceptor Utility sits around $14,107, but because we source directly from government auctions, you’re typically paying well below that. You’re getting the same vehicle that would cost $20,000+ at a traditional dealership for significantly less.
Every vehicle comes with all-wheel drive, which matters in Irondequoit winters. You’re not sliding around in some rear-wheel-drive sedan that can’t handle snow. These interceptors were spec’d for year-round patrol work, which means they handle winter roads better than most SUVs in this price range.
The 0% financing applies to every vehicle on the lot. There’s no minimum credit score, no down payment requirement that prices you out, and no bait-and-switch where the rate jumps after you’ve spent an hour in the finance office. You get the same zero percent rate whether you’re buying a $6,000 Crown Vic or a $15,000 Utility model.
Yes, and often more reliable than similar-year civilian vehicles. Police departments maintain these vehicles on strict schedules because they can’t afford to have cars break down mid-shift. That means regular oil changes, brake inspections, fluid checks, and component replacements that most private owners skip or delay.
The Ford Police Interceptor Utility is built with heavy-duty parts that aren’t available on the consumer Explorer model. Upgraded cooling systems, reinforced suspension components, performance brakes, and enhanced electrical systems all contribute to a vehicle that’s designed for high-stress use. When that vehicle transitions to normal daily driving, it’s actually operating well below its design limits.
You’re also getting a vehicle that’s been broken in properly. These engines have been run regularly, not sitting unused for long periods. That’s better for long-term engine health than a car that sits on a lot for months before someone buys it.
The Police Interceptor Utility isn’t just an Explorer with a light bar. Ford builds these on a separate production line with performance and durability upgrades that you can’t get on civilian models. The 3.5L EcoBoost engine is tuned differently for pursuit capability. The transmission has different gearing. The cooling system is upgraded to handle extended idle times and high-speed operation.
Suspension components are reinforced to handle the weight of equipment and the stress of emergency driving. Brake systems are larger and more aggressive than standard Explorer brakes. The electrical system is built to support multiple radios, computers, and emergency equipment without draining the battery.
Some interceptors also include safety features like ballistic door panels, though not all models have this. What every interceptor does have is a build quality that prioritizes reliability over luxury features. You’re not getting heated leather seats and a premium sound system, but you are getting a vehicle that’s engineered to run hard for 100,000+ miles without major failures.
Yes. We offer zero percent interest financing to everyone, and your credit score doesn’t change that rate. Most dealerships run your credit, then come back with rates anywhere from 6% to 24% depending on your history. We don’t do that.
You’ll still need to show proof of income so we can structure payments that fit your budget, but we’re not denying anyone based on past credit problems. Previous bankruptcy, repossession, late payments, or no credit history at all—none of it disqualifies you from getting a police interceptor with 0% financing.
This matters more than people realize. On a $12,000 vehicle financed over 48 months, the difference between 0% and even a modest 8% interest rate is over $2,000 in extra payments. That’s money that stays in your pocket instead of going to a bank. For buyers on fixed incomes or tight budgets, that difference can mean actually being able to afford reliable transportation instead of getting stuck with whatever $2,000 car might last six months.
Mileage varies, but most of our inventory falls between 60,000 and 120,000 miles. That sounds high if you’re comparing it to a three-year-old civilian vehicle, but police interceptor miles are different from regular commuter miles.
A large portion of those miles are highway patrol miles, which are far easier on a vehicle than stop-and-go city driving. Highway miles mean less brake wear, less transmission stress, and more consistent engine operation. Even interceptors used for city patrol spend significant time idling, which adds to the hour meter but doesn’t wear the drivetrain the same way active driving does.
The more important factor is how those miles were accumulated. These vehicles were driven by trained professionals who knew how to operate high-performance vehicles properly. They weren’t abused by teenage drivers or neglected by owners who skipped oil changes. Every mile was logged, every fuel-up was recorded, and the vehicle was inspected regularly.
Ford Police Interceptors are also designed for this kind of mileage. The 3.5L EcoBoost engine is built to handle 150,000+ miles with proper care, and because these vehicles received that care while in service, you’re getting a vehicle that still has significant life left even with higher odometer readings.
Insurance companies treat former police interceptors as regular used vehicles once they’re sold to civilians. You’re not paying commercial rates or special premiums just because it used to be a patrol car. The VIN identifies it as a Ford Explorer or Ford Taurus to your insurance company, and that’s how they rate it.
In many cases, insurance is actually cheaper than you’d expect because these vehicles have strong safety ratings and all-wheel drive, which some insurers discount for. The Police Interceptor Utility has the same crash test ratings as the civilian Explorer, which is one of the safer midsize SUVs available.
One thing to clarify with your insurance agent: make sure the vehicle is listed correctly as a former police vehicle that’s now privately owned. Some agents mistakenly try to classify it as a commercial or specialty vehicle, which can increase rates unnecessarily. Once they understand it’s just a used Ford being driven for personal use, the rates typically fall in line with any other used SUV of the same year and value.
You should also ask about agreed value coverage if you’re buying one of the lower-mileage interceptors. Standard policies use actual cash value, which might undervalue a well-maintained interceptor compared to what you paid and what it would cost to replace.
Yes. Our inventory consists of vehicles that are ready for immediate purchase and delivery. These aren’t project cars or vehicles that need work before you can drive them. Every police interceptor we sell is operational, titled, and ready to be registered in your name as soon as the paperwork clears.
We’re located in Newark, New Jersey, which is accessible for Irondequoit-area buyers willing to make the trip for the right vehicle at the right price. Many of our customers come from the Rochester region because the combination of auction pricing and 0% financing makes the drive worthwhile compared to paying dealership rates locally.
If you’re serious about buying, call ahead to confirm the specific vehicle you’re interested in is still available. Our inventory moves quickly, especially the lower-mileage Interceptor Utilities and models with desirable features. We can hold a vehicle with a deposit if you need a few days to arrange transportation or finalize your trade-in.
You can also ask about current inventory over the phone. We’ll tell you exactly what we have, what the mileage is, and what the out-the-door price looks like with your trade-in factored in. No surprises when you arrive, no pressure to buy something different than what you came for.
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