1993 Ford Taurus Insurance Quotes – 6 Tips for Best Rates

Searching for the cheapest insurance rates for your Ford Taurus? Locating the cheapest insurance for your Ford Taurus can normally be an all-consuming task, but you can follow our insurance buying tips to make it easier.

There is a right way and a wrong way to find insurance online so you’re going to learn the best way to price shop coverage for your Ford and find the best price possible.

Consumers need to compare premium rates once or twice a year because insurance rates are rarely the same from one policy term to another. Even if you got the best premium rates for Taurus insurance last year you can probably find a better price now. You can search a lot of insurance online, but you can learn some good information on how to reduce your insurance bill.

Get cheaper insurance coverage rates with discounts

Some providers don’t list every possible discount in an easy-to-find place, so the following list contains both the well known as well as the least known credits that you can use to lower your rates.

  • Theft Prevention System – Cars with anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
  • Accident Free – Drivers who stay claim-free can save substantially in comparison with insureds who have frequent claims or accidents.
  • Government Employees – Being employed by or retired from a federal job could provide a small rate reduction for Taurus insurance depending on your insurance coverage provider.
  • Good Student – Excelling in school may save you up to 25%. The discount lasts well after school through age 25.
  • Student Driver Training – Require your teen driver to take driver’s ed class as it can save substantially.
  • Renewal Discounts – Some larger companies provide a discount for switching policies before your current policy expires. You could save around 10% when you buy auto insurance online.

It’s important to understand that some of the credits will not apply the the whole policy. Some only reduce individual premiums such as physical damage coverage or medical payments. So when the math indicates all those discounts means the company will pay you, companies wouldn’t make money that way.

To choose insurance companies who offer insurance coverage discounts, click this link.

Save 15 percent in 15 minutes? Is it for real?

Drivers can’t ignore all the ads for cheaper car insurance from companies such as Progressive, GEICO, Allstate and State Farm. They all seem to advertise the message of big savings just by moving your car insurance coverage to their company.

How do they all have lower policy pricing? This is the way they can do it.

Insurance companies offer their best rates for the type of driver that is profitable for them. A good example of a preferred risk should be a married male, has a clear driving record, and drives less than 10,000 miles a year. A propective insured who meets those qualifications will get low rates and will probably pay quite a bit less when switching companies.

Potential insureds who don’t meet those criteria must pay more expensive rates with the end result being business not being written. The ad wording is “drivers who switch” not “all people who quote” save money. This is how insurance companies can state the savings.

This illustrates why you really should do a rate comparison at every renewal. It’s not possible to predict the company that will have better premium rates than you’re paying now.

Tailor your insurance coverage to you

When buying the right insurance coverage, there really is not a “best” method to buy coverage. Every situation is different.

For instance, these questions can aid in determining if you could use an agent’s help.

  • What companies insure drivers after a DUI or DWI?
  • Is business property covered if stolen from my car?
  • Does car insurance cover theft of personal property?
  • Am I missing any policy discounts?
  • Is extra glass coverage worth it?
  • Is other people’s property covered if stolen from my vehicle?
  • Do I need special endorsements for business use of my vehicle?
  • Will my rates increase for filing one claim?
  • Am I covered if my car is in a flood?
  • Is my 1993 Ford Taurus covered for flood damage?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and can help protect your family.

Specifics of your auto insurance policy

Learning about specific coverages of your auto insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Comprehensive auto coverage

This coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as hitting a deer, damage from a tornado or hurricane and a broken windshield. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverage protection

Collision coverage pays for damage to your Taurus from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as damaging your car on a curb, crashing into a building, colliding with another moving vehicle, backing into a parked car and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible to get cheaper collision coverage.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for bills for things like hospital visits, nursing services, EMT expenses and surgery. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Ford Taurus.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Usually these limits do not exceed the liability coverage limits.

Auto liability

This provides protection from damage or injury you incur to other people or property in an accident. Liability coverage has 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 liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for things such as legal defense fees, medical expenses, court costs, structural damage and repair costs for stationary objects. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible.

Pennies from heaven

When trying to cut insurance costs, it’s not a good idea to sacrifice coverage to reduce premiums. Too many times, an insured dropped collision coverage and found out when filing a claim they didn’t purchase enough coverage. The goal is to buy the best coverage you can find at the best possible price while still protecting your assets.

You just read quite a bit of information on how to shop for 1993 Ford Taurus insurance online. The key concept to understand is the more companies you get prices for, the better likelihood of getting cheap auto insurance. You may even discover the lowest priced insurance comes from some of the lesser-known companies.

Cheaper 1993 Ford Taurus insurance is possible online as well as from insurance agents, so you need to shop auto insurance with both to have the best chance of lowering rates. Some insurance providers may not offer price quotes online and many times these regional insurance providers only sell coverage through independent agents.

Additional detailed information can be found at these sites: