Save on 1999 Ford Taurus Car Insurance Quotes

Searching for the cheapest insurance rates for your Ford Taurus? Locating the cheapest insurance for a Ford Taurus can turn out to be difficult, but you can learn the following methods to make it easier. There are more efficient ways to compare insurance rates so you’re going to learn the proper way to price shop coverage on a Ford and obtain the cheapest rates from both online companies and local agents.

How to shop car insurance online

Finding cheaper 1999 Ford Taurus car insurance prices is surprisingly easy. You just need to invest a few minutes comparing rate quotes provided by online insurance companies. You can get a good selection of rate quotes by using one of the methods below.

  1. If you’re in a hurry, the quickest way consumers can make multiple comparisons is an all-inclusive rate comparison (click to open form in new window). This quick form prevents you from having to do separate forms for every car insurance company. Taking the time to complete one form gets rate comparisons from several companies. It’s the fastest way to compare.
  2. A more difficult way to shop for car insurance online is to manually visit each company’s website to complete their respective quote request forms. For instance, we’ll assume you want to compare rates from GEICO, State Farm and Progressive. You would be required to navigate to each company’s site and enter your information, and that explains why we recommend the first method.

    For a list of links to companies insuring cars in your area, click here.

Whichever method you choose, double check that you are using the exact same deductibles and coverage limits for each price quote. If you compare mixed coverages then you won’t be able to decipher which rate is best.

Save $487 a year? Really?

Consumers can’t get away from ads for car insurance savings by companies like Allstate and Progressive. All the companies say the same thing that you’ll save big if you move your policy.

How does each company charge you less for auto insurance? Here is the trick they use.

Most companies have strict underwriting profiles for a prospective insured that will generate a profit. For instance, a desirable risk may need to be between the ages of 40 and 55, has a clean driving record, and drives a lower-performance vehicle. A driver who meets those qualifications receive the lowest rate quotes and will save a lot if they switch.

People who don’t qualify for these criteria will be charged higher prices which translates to the prospect going elsewhere. The trick companies use is to say “customers who switch” but not “everyone who gets a quote” can get the lowest rates when switching. That’s why companies can make it sound like they have such great premium rates. This illustrates why it is so important to get auto insurance quotes as often as possible. It’s just not possible to know which company will have the best auto insurance rates at this point in time.

How car insurance companies calculate Ford Taurus insurance costs

Consumers need to have an understanding of the factors that help determine the rates you pay for car insurance. If you know what determines premiums, this helps enable you to make changes that can help you get much lower annual insurance costs.

  • You may save more by bundling policies – The majority of insurers give better rates to people who carry more than one policy. It’s known as a multi-policy discount. Even with this discount, you may still want to check prices from other companies to make sure you are getting the best deal.
  • Traffic violations cost more than a fine – Whether or not you get tickets can have a huge impact on auto insurance premiums. Good drivers pay lower auto insurance prices than their less careful counterparts. Having just one moving violation can boost insurance rates by as much as thirty percent. Drivers unfortunate enough to have multiple violations like DUI or reckless driving may find they need to file a SR-22 with their state DMV in order to legally drive.
  • Mature drivers pay less – Older drivers have been proven to be more responsible, tend to file fewer claims , and are generally more financially stable.Beginning drivers are statistically proven to be inattentive with other occupants in the car so car insurance rates are higher.
  • High claims frequency drives up premiums – If you file claims often, you shouldn’t be surprised to get much higher rates or policy non-renewal. Car insurance companies generally give the best rates to insureds who are claim-free. Insurance coverage is designed for the large, substantial claims.

Do you qualify for discount car insurance?

Car insurance companies do not advertise all their discounts very well, so the following list contains some of the more common and the more hidden savings tricks you should be using when you buy auto insurance online.

  • Multiple Vehicles – Insuring primary and secondary vehicles on the same car insurance policy can get a discount on all vehicles.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can reduce accidents and the ABS can save up to 10%.
  • Pay Upfront and Save – By making one initial payment instead of paying each month you could save up to 5%.
  • Student in College – Children who are attending college and leave their car at home can be insured at a reduced rate.
  • Seat Belts Save – Using a seat belt and requiring all passengers to buckle up before driving can save up to 15% off the medical payments premium.
  • Government Employees – Active or former government employment could qualify for a slight premium decrease for Taurus insurance with a few car insurance companies.
  • Discount for Passive Restraints – Factory options such as air bags could see savings as much as 30%.
  • Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase some life insurance in addition to your auto policy.

Keep in mind that some credits don’t apply to the entire policy premium. Most only apply to the price of certain insurance coverages like comp or med pay. So even though they make it sound like you could get a free car insurance policy, it’s just not the way it works.

If you would like to view insurers who offer free car insurance quotes, click here.

What insurance coverages do I need?

When it comes to choosing coverage, there is no “best” method to buy coverage. Everyone’s situation is unique.

Here are some questions about coverages that might point out if you would benefit from an agent’s advice.

  • Am I missing any policy discounts?
  • Are split liability limits better than a combined single limit?
  • If my 1999 Ford Taurus is totaled, can I afford another vehicle?
  • Does insurance cover tools stolen from my truck?
  • Do I really need UM/UIM coverage?
  • How much underlying liability do I need for an umbrella policy?
  • How do I insure my teen driver?
  • Does medical payments coverage apply to all occupants?

If you’re not sure about those questions, you may need to chat with an agent. To find an agent in your area, take a second and complete this form. It is quick, free and can provide invaluable advice.

Specific coverage details

Learning about specific coverages of your car insurance policy can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Coverage for uninsured or underinsured drivers

This provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as damage to your Ford Taurus.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses such as EMT expenses, X-ray expenses, rehabilitation expenses and dental work. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants in addition to being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive car insurance

This covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as damage from flooding, damage from getting keyed, hail damage, rock chips in glass and falling objects. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision insurance

This coverage covers damage to your Taurus resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision can pay for things such as rolling your car, colliding with another moving vehicle, sustaining damage from a pot hole and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.

Liability coverages

Liability insurance provides protection from damage that occurs to other’s property or people by causing an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims like structural damage, court costs, medical expenses, repair bills for other people’s vehicles and funeral expenses. How much coverage you buy is a personal decision, but buy as high a limit as you can afford.

Make an honest buck

People who switch companies do it for a variety of reasons including delays in responding to claim requests, delays in paying claims, high rates after DUI convictions or even poor customer service. Regardless of your reason, finding a new insurance coverage company is pretty simple and you could end up saving a buck or two.

As you quote auto insurance, it’s a bad idea to skimp on critical coverages to save a buck or two. There are many occasions where consumers will sacrifice collision coverage only to regret at claim time that they should have had better coverage. Your goal is to purchase a proper amount of coverage for the lowest cost while not skimping on critical coverages.

We just covered many tips how you can lower your 1999 Ford Taurus insurance prices. The key concept to understand is the more companies you get rates for, the higher the chance of saving money. You may even find the lowest prices come from a small local company.

Much more information about insurance coverage can be read at these links: