With a crawl space or basement there are a few different ways to insulate. If there are plumbing pipes or heating system down there the walls should be insulated. Many people insulate the ceiling of a basement or crawl. In MOST cases this is the wrong way. By insulatiing the ceiling you are pushing the plumbing and/or heating system out side the heating envelope. This cause efficiency/comfort issues due to unused heatloss from any heatsource and pipes to freeze.
This is true with a unisulated basement. People don't realize a 8-10'' thick concrete wall has the same R-value(heat conductiving rating) as a .75'' sheet of plywood.
This can be something you can address and often times by fixing eleminate the need for a heater down there all together while making you house more efficient and comfortable.
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