Cheaper 1996 Ford Taurus Insurance Cost

Trying to find the cheapest insurance coverage rates for your Ford Taurus? Are you burned out from scraping nickels together to pay your insurance coverage bill each month? You’re in the same situation as most other consumers.

Insurance companies such as State Farm, Allstate, GEICO and Progressive all claim big savings with fancy advertisements and it is challenging if not impossible to avoid their marketing magic and find the best price available.

Earn discounts to get lower-cost auto insurance quotes

Auto insurance is expensive, but discounts can save money and there are some available to help offset the cost. A few discounts will automatically apply at the time of purchase, but some discounts are required to be asked for prior to receiving the credit.

  • Data Collection Discounts – Drivers that enable companies to look at where and when they drive through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate may get a rate reduction if they are good drivers.
  • Military Rewards – Having a family member in the military could qualify you for better auto insurance rates.
  • Accident Free – Insureds who avoid accidents and claims can earn big discounts when compared to bad drivers.
  • Discounts for Federal Employees – Having worked for a branch of the government could cut as much as 10% off on Taurus coverage with a few auto insurance companies.
  • Own a Home and Save – Just owning your own home may trigger a policy discount on auto insurance due to the fact that maintaining a home shows financial diligence.
  • Pay Upfront and Save – By making one initial payment rather than spreading payments over time you may have a lower total premium amount.
  • Professional Memberships – Participating in a civic or occupational organization could earn you a nice discount when shopping for auto insurance.
  • Early Switch Discount – A few auto insurance companies allow discounts for switching companies prior to your current policy expiring. The savings is around 10%.
  • Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% on Taurus coverage than drivers with accidents.

Discounts save money, but please remember that some credits don’t apply to your bottom line cost. Most only cut specific coverage prices like collision or personal injury protection. So despite the fact that it appears adding up those discounts means a free policy, you aren’t that lucky.

Companies and some of the discounts can be read below.

  • Progressive may include discounts for online signing, continuous coverage, homeowner, good student, multi-vehicle, and online quote discount.
  • AAA may have discounts that include AAA membership discount, pay-in-full, multi-car, education and occupation, anti-theft, and good driver.
  • Farmers Insurance has discounts for multi-car, homeowner, mature driver, distant student, alternative fuel, teen driver, and business and professional.
  • GEICO may offer discounts for seat belt use, daytime running lights, multi-policy, multi-vehicle, and anti-theft.
  • Esurance discounts include renters, homeowner, DriveSense, good student, paid-in-full, anti-lock brakes, and online shopper.
  • SAFECO has savings for safe driver, anti-theft, teen safety rewards, homeowner, bundle discounts, and multi-car.
  • State Farm policyholders can earn discounts including anti-theft, driver’s education, Steer Clear safe driver discount, multiple policy, good driver, multiple autos, and good student.

If you need low cost insurance quotes, ask all companies you are considering to give you their best rates. Savings might not be offered on policies in your area. To see auto insurance companies who offer auto insurance discounts, click here.

Tailor your insurance coverage coverage to you

When buying the right insurance coverage, there is no “perfect” insurance plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. For instance, these questions may help highlight if you may require specific advice.

  • Does my 1996 Ford Taurus qualify for pleasure use?
  • Do I need motorclub coverage?
  • Do I need PIP coverage since I have good health insurance?
  • Does my policy cover my teen driver if they drive my company car?
  • Can I afford low physical damage deductibles?
  • Am I covered by my spouse’s policy after a separation?
  • Will filing a claim cost me more?
  • Is a fancy paint job covered?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

Specific coverage details

Learning about specific coverages of a insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. These are typical coverage types found on the average insurance policy.

Comprehensive protection

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

Comprehensive insurance covers claims like falling objects, damage from flooding, theft and vandalism. The most your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage

This coverage pays to fix your vehicle from damage resulting from colliding 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 such as hitting a parking meter, damaging your car on a curb, colliding with a tree and crashing into a building. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to increase the deductible to save money on collision insurance.

Liability car insurance

This provides protection from damages or injuries you inflict on a person or their property by causing an accident. It protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as pain and suffering, funeral expenses, loss of income and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Uninsured or underinsured coverage

This coverage provides protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as damage to your 1996 Ford Taurus.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Normally these coverages are set the same as your liablity limits.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for bills for rehabilitation expenses, chiropractic care, dental work, nursing services and funeral costs. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Quote more, save more

Cost effective 1996 Ford Taurus insurance can be bought online as well as from insurance agents, so get free insurance quotes from both of them to have the best rate selection. Some auto insurance companies do not provide online rate quotes and many times these small, regional companies only sell through local independent agents.

When trying to cut insurance costs, do not skimp on critical coverages to save a buck or two. There are many occasions where someone sacrificed liability limits or collision coverage only to regret that it was a big mistake. Your objective should be to purchase plenty of coverage for the lowest cost and still be able to protect your assets.

More detailed auto insurance information can be read in these articles: