How Much Does 1997 Ford Taurus Insurance Cost?

Looking for lower auto insurance rates for your Ford Taurus? Are you intimidated by the sheer number of auto insurance sources in your area? You have so many options that it can be a big hassle to find the perfect company for you.

More discounts mean lower-cost premiums

Car insurance can cost a lot, but you might be missing out on some discounts that can drop the cost substantially. Certain discounts will be applied at quote time, but some discounts are required to be specially asked for in order for you to get them. If you check and find you aren’t receiving every discount possible, you’re paying more than you need to.

  • Telematics Data – Insureds who allow their company to monitor driving habits by installing a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system could possibly reduce rates as long as the data is positive.
  • Air Bag Discount – Cars that have air bags or automatic seat belts could see savings of 25 to 30%.
  • Save with More Vehicles Insured – Purchasing coverage when you have multiple vehicles on the same insurance coverage policy could earn a price break for each car.
  • Auto/Life Discount – Some insurance coverage companies give lower rates if you buy life insurance from them.
  • Distant Student – who are attending college and do not have a car could get you a discount.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can stop better under adverse conditions and qualify for as much as a 10% discount.
  • Claim-Free Discount – Drivers who don’t have accidents can earn big discounts as compared to drivers with a long claim history.
  • Active Service Discounts – Being deployed with a military unit could mean lower prices.
  • Professional Memberships – Having an affiliation with a professional or civic organization could earn you a nice discount when getting a auto insurance quote.
  • Theft Deterent – Vehicles equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and can earn a small discount on your policy.

As a footnote on discounts, most discounts do not apply to all coverage premiums. A few only apply to specific coverage prices like medical payments or collision. Even though it appears you can get free auto insurance, you’re out of luck.

The best insurance coverage companies and some of their more popular discounts include:

  • GEICO policyholders can earn discounts including daytime running lights, driver training, emergency military deployment, five-year accident-free, multi-vehicle, multi-policy, and anti-lock brakes.
  • Auto-Owners Insurance may offer discounts for air bags, good student, group or association, safe driver, anti-theft, teen driver, and multi-policy.
  • American Family may include discounts for good driver, TimeAway discount, multi-vehicle, Steer into Savings, and air bags.
  • Esurance may have discounts that include multi-car, Pac-12 alumni, DriveSense, defensive driver, and online shopper.
  • Progressive has savings for multi-vehicle, online quote discount, online signing, homeowner, good student, and continuous coverage.
  • State Farm discounts include good driver, anti-theft, good student, Drive Safe & Save, Steer Clear safe driver discount, and student away at school.
  • AAA offers premium reductions for anti-theft, AAA membership discount, multi-car, multi-policy, education and occupation, and good driver.

If you need lower rates, check with every prospective company which discounts can lower your rates. A few discounts might not be offered in your area.

It’s not one size fits all

When it comes to choosing the right insurance coverage, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s.

Here are some questions about coverages that may help you determine whether or not you will benefit from professional help.

  • Are all vehicle passengers covered by medical payments coverage?
  • When should I not file a claim?
  • What is the difference between comprehensive and collision coverage?
  • Is my state a no-fault state?
  • Should I get collision insurance on every vehicle?
  • How do I insure my teen driver?
  • Am I covered when driving on a suspended license?
  • Is rental equipment covered for theft or damage?
  • Why am I be forced to buy a membership to get insurance from some companies?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form.

Insurance coverage advertising gotchas

Allstate and Progressive constantly bombard you with ads in print and on television. All the companies state the claim that you’ll save big if you just switch your coverage. How can each company offer you a better deal? Here is the trick they use.

Many companies have underwriting criteria for the right customer that earns them the most money. An example of this type of risk profile may be between the ages of 30 and 50, owns a home, and drives a vehicle with a low ISO rating. A customer getting a price quote who fits those characteristics receives the best premium rates and have a good chance to save a lot if they switch.

Potential customers who do not meet these criteria will probably be forced to pay higher rates and the customer not purchasing. The ad wording is “customers that switch” but not “everyone who gets a quote” save that kind of money. That’s the way companies can state the savings. That is why you really need to get auto insurance quotes from several different companies. You cannot predict which company will have the best premium rates at this point in time.

Coverages available on your policy

Learning about specific coverages of your policy can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive protection

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as theft, a tree branch falling on your vehicle, damage from flooding and hitting a deer. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Taurus.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Auto liability insurance

Liability coverage protects you from damages or injuries you inflict on other’s property or people that is your fault. It protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage protects against claims like repair bills for other people’s vehicles, legal defense fees, funeral expenses, court costs and attorney fees. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like hospital visits, X-ray expenses, dental work and funeral costs. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible

Collision coverage protection

Collision coverage will pay to fix damage to your Taurus from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as scraping a guard rail, damaging your car on a curb and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible to save money on collision insurance.

Final considerations

Some insurance providers may not have online quoting and usually these smaller companies sell through local independent agents. Cost effective 1997 Ford Taurus insurance can be found on the web and with local insurance agents, and you should compare price quotes from both to have the best rate selection.

We covered many tips how you can compare 1997 Ford Taurus insurance car insurance rates online. It’s most important to understand that the more providers you compare, the higher your chance of finding inexpensive auto insurance. Drivers may discover the lowest car insurance rates are with some of the smallest insurance companies.

When trying to cut insurance costs, it’s a bad idea to reduce needed coverages to save money. In many instances, an accident victim reduced collision coverage only to discover later that it was a big mistake. The goal is to find the BEST coverage at the best cost, but do not sacrifice coverage to save money.

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