1998 Ford Taurus Insurance Quotes

Looking for lower auto insurance rates for your Ford Taurus? Perplexed by the sheer number of auto insurance choices available to you? There are such a large number of options that it can easily turn into a burden to find better premium rates.

Finding affordable coverage is easy if you know what you’re doing. If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using this strategy. Nevertheless, vehicle owners should learn how big insurance companies price online insurance because it can help you find the best coverage.

Double check you’re getting with these discounts

Auto insurance companies don’t list all their discounts in a way that’s easy to find, so the list below contains a few of the more common and also the more inconspicuous discounts that may be available.

  • Life Insurance Discount – Some insurance companies give a break if you buy life insurance from them.
  • Discount for Swiching Early – Some larger companies reward drivers for switching to them prior to your current policy expiration. You could save around 10% when you buy insurance coverage online.
  • Anti-lock Brake System – Cars and trucks that have anti-lock braking systems can avoid accidents and will save you 10% or more.
  • Own a Home and Save – Owning a home can save you money since home ownership is proof that your finances are in order.
  • Discounts for New Vehicles – Buying a new car instead of a used car may earn a small discount since newer vehicles are generally safer.
  • Discounts for Government Workers – Being employed by or retired from a federal job could cut as much as 10% off for Taurus insurance with select insurance companies.
  • Service Members Pay Less – Being on active deployment in the military may qualify for rate reductions.
  • Multi-policy Discount – If you insure your home and vehicles with the same company you may save nearly 15% which can help you find affordable insurance coverage.
  • Club Memberships – Having an affiliation with specific professional or occupational memberships or organizations may earn a discount on your next insurance statement.

Consumers should know that most discounts do not apply to the entire policy premium. Most only reduce individual premiums such as medical payments or collision. Despite the appearance that it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

A few of the larger companies and their offered discounts are shown below.

  • GEICO includes discounts for federal employee, multi-policy, defensive driver, anti-theft, seat belt use, daytime running lights, and multi-vehicle.
  • SAFECO may include discounts for anti-lock brakes, anti-theft, safe driver, accident prevention training, and bundle discounts.
  • State Farm discounts include driver’s education, good student, accident-free, multiple policy, Steer Clear safe driver discount, and good driver.
  • MetLife policyholders can earn discounts including defensive driver, good student, claim-free, multi-policy, and good driver.
  • 21st Century offers discounts for theft prevention, student driver, automatic seat belts, 55 and older, and early bird.
  • Progressive offers discounts including homeowner, multi-policy, good student, online quote discount, and continuous coverage.

If you need lower rates, check with each company which credits you are entitled to. Savings might not be available to policyholders in your state. To see a list of insurance companies who offer discounts, click this link.

Save money with these tips

Multiple criteria are considered when quoting car insurance. Some of the criteria are obvious like your driving record, but some are less apparent like your continuous coverage or your financial responsibility.

  • Consolidating policies can get discounts – Lots of insurers allow lower prices for people who carry more than one policy. It’s known as a multi-policy discount. This can amount to ten or even up to twenty percent in some cases. Even with this discount, you may still want to get quotes from other companies to make sure you are getting the best deal. You may still save even more even if you insure with multiple companies
  • Is you vocation costing you more? – Jobs like lawyers, architects and stock brokers generally have higher premium rates due to stressful work requirements and extremely grueling work hours. Conversely, occupations such as scientists, students and retirees get better rates for Taurus insurance.
  • Save money with responsible credit – Your credit score is a large factor in determining what you pay. If your credit history is not that good, you could be paying less to insure your 1998 Ford Taurus by spending a little time repairing your credit. Drivers who have very high credit ratings tend to be more responsible and file fewer claims than drivers with worse credit.
  • Cheaper rates with high comp and collision deductibles – Comp and collision deductibles represent how much money you are willing to pay out-of-pocket if the claim is covered. Physical damage insurance, aka comp and collision, is used to repair damage to your car. Some coverage claims are collision with another vehicle, damage from fire, and damage from wind. The more of the claim the insured is willing to pay, the better rate you will receive for Taurus insurance.
  • Do you have enough liability? – The liability section of your policy is the protection if ever you are ruled to be at fault for damages from an accident. This coverage provides you with a defense in court which can cost thousands of dollars. Liability insurance is pretty cheap when compared with rates for comp and collision, so do not cut corners here.
  • Do you really need the extra policy coverages? – Policies have extra add-on coverages that can waste your money when buying insurance. Insurance for things like vanishing deductibles, high-cost glass coverage, and membership fees may not be needed and are just wasting money. The coverages may be enticing when you first buy your policy, but your money might be better spent on other coverage so remove them and pocket the money.
  • Are you male or female? – Statistics demonstrate that females take fewer risks when driving. This data doesn’t prove that women are BETTER drivers than men. Both genders are in at-fault accidents at about the same rate, but males cause more damage. Not only that, but men also get higher numbers of serious violations like DUI and reckless driving.
  • Lower annual miles equals lower premium – The higher the mileage driven every year the higher your rates will be. Almost all companies calculate rates partially by how you use the vehicle. Cars left parked in the garage cost less to insure than those used for commuting. Having an incorrect usage rating on your Taurus can result in significantly higher rates. Make sure your insurance policy properly reflects the right rating data, because it can save money.

Your situation helps dictate your coverage

When it comes to buying the best insurance coverage for your personal vehicles, there really is no best way to insure your cars. Every insured’s situation is different.

For example, these questions may help highlight if you might need professional guidance.

  • Does my policy cover me when driving someone else’s vehicle?
  • Is my teen driver covered when they drive my company car?
  • Does my liability insurance cover pulling a trailer or camper?
  • Which is better, split liability limits or combined limits?
  • Am I covered when delivering products for my home-based business?
  • Why does it cost so much to insure a teen driver?
  • Should I bundle my homeowners policy with my auto?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.

Auto insurance policy coverages for a 1998 Ford Taurus

Learning about specific coverages of a auto insurance policy aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy.

Comprehensive auto insurance

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like damage from a tornado or hurricane, hitting a bird and damage from getting keyed. The highest amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like prosthetic devices, funeral costs, chiropractic care and pain medications. They are often used to cover expenses not covered by your health insurance plan or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Taurus.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Collision coverage

Collision insurance pays for damage to your Taurus caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like scraping a guard rail, hitting a mailbox, driving through your garage door and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible to bring the cost down.

Auto liability insurance

This can cover injuries or damage you cause to other people or property that is your fault. It protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage pays for claims such as court costs, repair bills for other people’s vehicles and repair costs for stationary objects. How much liability should you purchase? That is your choice, but you should buy as much as you can afford.

Shop. Compare. Save.

As you prepare to switch companies, it’s a bad idea to sacrifice coverage to reduce premiums. Too many times, an accident victim reduced physical damage coverage only to discover later that their decision to reduce coverage ended up costing them more. Your aim should be to purchase plenty of coverage for the lowest price, but do not sacrifice coverage to save money.

Consumers leave their current company for any number of reasons including being labeled a high risk driver, poor customer service, delays in responding to claim requests and even high prices. It doesn’t matter why you want to switch switching companies can be pretty painless.

We just showed you many ways to lower your 1998 Ford Taurus insurance rates. The most important thing to understand is the more price quotes you have, the better your comparison will be. You may even discover the lowest rates come from the smaller companies.

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