Save on 1991 Ford Taurus Insurance Rates

Did you make the mistake of buying an overpriced insurance coverage policy? Trust us, many consumers are feeling buyer’s remorse and feel like there’s no way out. Vehicle owners have multiple auto insurance companies to choose from, and even though it’s nice to have a choice, more choices can make it harder to compare company pricing.

You should make it a habit to get comparison quotes yearly because insurance coverage prices are variable and change quite frequently. Even if you got the lowest rate for Taurus insurance six months ago a different company probably has better premium rates today. Block out anything you think you know about insurance coverage because you’re about to find out the only way to find the best coverage while lowering your premiums.

Locating the cheapest protection is not that difficult. If you have insurance now or need new coverage, you can use these tips to reduce the price you pay and still get good coverage. Drivers only need an understanding of the best way to compare company rates over the internet.

How to get free car insurance quotes online

Getting low cost 1991 Ford Taurus car insurance pricing is actually easier than you may think. All you need to do is invest a few minutes getting comparison quotes from online providers. Shoppers can get rates by using one of the methods below.

  1. The most efficient way to get the best comparison quotes would be an industry-wide quote request form click here to open form in new window. This method keeps you from doing separate quotation requests for every car insurance company. Taking the time to complete one form gets you coverage quotes from all major companies.
  2. A harder way to compare rate quotes is going to each company website and repeat the quote process again and again. For example, let’s say you want to get rates from Progressive, Allstate and Liberty Mutual. To get rate quotes you would need to visit each site and enter your information, which can get old fast. For a list of companies in your area, click here.

Compare rates however you want, just be sure to compare the exact same quote information with each company. If the quotes have different liability limits it’s not possible to determine the lowest rate for your Ford Taurus.

Can you really save $489 a year?

Consumers can’t get away from all the ads that promise big savings for switching by companies like Progressive, Allstate and GEICO. All the ads make the same claim that people will save if you get a free car insurance quote and switch your auto insurance coverage to their company.

How can each company have lower policy pricing? You have to listen carefully.

Auto insurance companies have underwriting criteria for the type of customer they prefer to insure. An example of a desirable insured might have to be a married female, has no claims, and drives a car with an anti-theft system. Anybody that meets those criteria gets the lowest car insurance rates and will save a lot of money.

Potential customers who are not a match for this stringent profile will have to pay a higher premium and ends up with the customer not buying. The ad wording is “customers that switch” but not “everyone who gets a quote” save the amount stated. That’s the way insurance companies can make the claims of big savings.

This emphasizes why you absolutely need to get car insurance quotes from several different companies. It is just not possible to predict with any certainty which company will be your best fit.

How your Taurus insurance premiums are determined

Lots of things are part of the calculation when premium rates are determined. Some factors are common sense like your driving record, although some other factors are not quite as obvious like your continuous coverage or your commute time.

  • Raising comp and collision deductibles lowers rates – Physical damage insurance, termed comprehensive and collision coverage on your policy, is used to repair damage to your Ford. Some examples of claims that would be covered could be a broken side mirror, collision with an animal, and burglary. Deductibles for physical damage represent how much money you are required to pay in the event of a claim. The more of the claim you choose to pay out-of-pocket, the less money you will pay for auto insurance for Taurus insurance.
  • Too many auto insurance claims drive up rates – If you frequently file small claims, you shouldn’t be surprised to get either higher rates or even cancellation. Car insurance companies award most affordable rates to drivers who are not frequent claim filers. Your car insurance is intended for larger claims.
  • Is insurance coverage cheaper for females or males? – Over the last 50 years, statistics have shown that females tend to be a little less risky than males. However, this does not mean men are worse drivers. They both are in fender benders at about the same rate, but guys get into accidents with more damage. Men also tend to get cited for more serious violations such as driving while intoxicated (DWI) or driving recklessly.
  • Alarm systems systems cut auto insurance rates – Choosing to buy a car with an alarm system can help bring down rates. Theft prevention features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent auto theft and help lower rates.
  • Good credit equals lower costs – Having a good credit history is a big factor in calculating your auto insurance rates. Insureds with high credit ratings tend to file fewer claims and have better driving records as compared to drivers with lower credit ratings. So if your credit score is lower than you’d like, you may save money insuring your 1991 Ford Taurus if you improve your credit rating.
  • Consolidate policies and save – Many insurers will award better rates to customers who buy several policies from them, otherwise known as a multi-policy discount. Even if you qualify for this discount already, consumers should still get quotes from other companies to confirm you are receiving the best rates possible.

Insurance discounts are available to slash your rates

Car insurance companies do not list the entire discount list very well, so here is a list both the well known and also the lesser-known credits available to you. If you check and find you aren’t receiving every discount available, you could be paying more than you need to.

  • Discount for Passive Restraints – Vehicles with factory air bags or motorized seat belts could see savings up to 30%.
  • Claim-Free Discount – Claim-free drivers can save substantially compared to bad drivers.
  • Distant Student – Older children who attend college more than 100 miles from home without a vehicle on campus may qualify for this discount.
  • Defensive Driving Course – Completing a driver safety course could cut 5% off your bill depending on where you live.
  • Homeowners Savings – Being a homeowner can help you save on insurance because owning a home demonstrates responsibility.
  • Data Collection Discounts – Policyholders that allow their company to study their driving habits remotely such as Progressive’s Snapshot might see lower rates if their driving habits are good.

Keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Most cut individual premiums such as physical damage coverage or medical payments. Even though it may seem like having all the discounts means you get insurance for free, nobody gets a free ride.

To choose providers offering insurance discounts, click here to view.

Everyone needs different auto insurance coverages

When it comes to choosing adequate coverage, there really is not a best way to insure your cars. Every situation is different so your insurance needs to address that. For instance, these questions could help you determine whether you might need an agent’s assistance.

  • Do I need roadside assistance coverage?
  • How many claims can I have before being cancelled?
  • Does my personal policy cover me when driving out-of-state?
  • Why am I required to get a high-risk car insurance policy?
  • Is my trailer covered?
  • What companies insure drivers after a DUI or DWI?

If you don’t know the answers to these questions then you might want to talk to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Parts of your insurance policy

Learning about specific coverages of your policy helps when choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Shown next are the usual coverages found on most insurance policies.

Uninsured/Underinsured Motorist coverage

This coverage provides protection from other motorists when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your 1991 Ford Taurus.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Medical payments coverage and PIP

Med pay and PIP coverage pay for bills for things like rehabilitation expenses, hospital visits and doctor visits. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

Collision coverage will pay to fix damage to your Taurus resulting from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as sideswiping another vehicle, driving through your garage door, rolling your car and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Auto liability insurance

This can cover injuries or damage you cause to a person or their property that is your fault. It protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Occasionally you may see a combined limit which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as bail bonds, attorney fees, repair bills for other people’s vehicles and court costs. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive coverage

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like damage from getting keyed, damage from a tornado or hurricane, hail damage, hitting a deer and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Take this to the bank

We just showed you many tips how you can save on 1991 Ford Taurus insurance. The key thing to remember is the more rate quotes you have, the higher your chance of finding low cost car insurance. Consumers could even find that the lowest premium rates come from some of the lesser-known companies. They can often insure niche markets at a lower cost compared to the large companies like Allstate, GEICO and Progressive.

Some car insurance companies may not provide online price quotes regional insurance providers only sell through independent insurance agencies. More affordable car insurance can be purchased both online in addition to local insurance agencies, so you need to compare both so you have a total pricing picture.

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