Save on 2004 Ford Taurus Insurance Rates

Looking for the cheapest car insurance rates? Shoppers have a choice when shopping for the lowest priced Ford Taurus insurance. You can either waste hours struggling with agents to get rate comparisons or use the internet to get rate quotes. There is a better way to find car insurance online and we’ll show you the best way to price shop coverage for a Ford and find the cheapest rates from local insurance agents and online providers.

If you have a policy now or need new coverage, you will benefit by learning to get lower rates while maximizing coverage. The purpose of this article is to let you in on the most effective way to quote insurance and some money-saving tips. Vehicle owners just need to learn the proper way to shop on the web.

Auto insurance quotes comparison

Getting a cheap price on 2004 Ford Taurus insurance is actually easier than you may think. The only thing you need to do is take a couple of minutes to get quotes to find out which insurance company has the cheapest insurance coverage quotes. This can be accomplished in just a few minutes using one of these methods.

The fastest way to get quotes would be an industry-wide quote request form like this one (opens in new window). This form eliminates the need for repetitive form entry for every auto insurance company. Taking the time to complete one form gets you price quotes from all major companies. This is perfect if you don’t have a lot of time.

A less efficient way to shop for auto insurance online consists of going to the website of each company and get a separate price quote. For examples sake, let’s assume you want to view quotes from Nationwide, Esurance and Allstate. You would need to spend time on each company’s site and enter your policy data, which is why most consumers use the first method.

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

Which method you use is up to you, but double check that you are using exactly the same coverages for every quote you compare. If you are comparing higher or lower deductibles you will not be able to make a fair rate comparison.

Car insurance discounts help cut rates

Companies offering auto insurance don’t necessarily list all possible discounts very clearly, so the below list has some of the best known and also the lesser-known credits available to you.

  • Resident Student – College-age children who are enrolled in higher education away from home and don’t have a car may qualify for this discount.
  • Multiple Policy Discount – When you combine your auto and home insurance and insure them both with the same insurance company you could save up to 20% off your total premium.
  • Discount for Home Ownership – Just owning your own home can earn you a little savings because of the fact that having a home means you have a higher level of financial diligence.
  • Claim-Free Discount – Claim-free drivers can earn big discounts when compared to bad drivers.
  • Membership in Organizations – Belonging to qualifying clubs or civic groups could earn you a nice discount on your bill.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use a seat belt could save 15% off PIP or medical payments premium.
  • Discount for Life Insurance – Select companies reward you with a discount if you purchase life insurance from them.
  • Senior Citizen Discount – Older drivers are able to get a discount up to 10% for Taurus coverage.

Consumers should know that most of the big mark downs will not be given to the entire policy premium. Some only reduce individual premiums such as liability and collision coverage. So even though they make it sound like adding up those discounts means a free policy, that’s just not realistic. But all discounts will lower your overall premium however.

To view insurance companies with the best discounts, follow this link.

Which is the best auto insurance?

When buying the right insurance coverage for your vehicles, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

These are some specific questions could help you determine whether you might need professional guidance.

  • Is my vehicle covered by my employer’s policy when using it for work?
  • Is pleasure use cheaper than using my 2004 Ford Taurus to commute?
  • Is a blown tire covered by insurance?
  • Does my policy cover me when driving someone else’s vehicle?
  • What happens if I owe more than my 2004 Ford Taurus is worth?
  • Is my business laptop covered if it gets stolen from my vehicle?

If you’re not sure about those questions, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form. It is quick, free and can help protect your family.

Information about specific coverages

Learning about specific coverages of your policy can be of help when determining which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Liability auto insurance

Liability coverage can cover damage or injury you incur to other people or property. It protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for things such as loss of income, court costs and medical services. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like prosthetic devices, dental work, doctor visits and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like theft, hitting a bird, rock chips in glass and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Collision coverage protection

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

Collision can pay for things such as sustaining damage from a pot hole, colliding with another moving vehicle, damaging your car on a curb, colliding with a tree and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Another option is to choose a higher deductible to bring the cost down.

More effort can pay off

As you go through the steps to switch your coverage, it’s not a good idea to buy lower coverage limits just to save a few bucks. There have been many cases where an insured dropped comprehensive coverage or liability limits only to find out that the few dollars in savings costed them thousands. Your aim should be to purchase plenty of coverage for the lowest cost, but don’t skip important coverages to save money.

Cost effective 2004 Ford Taurus insurance can be sourced on the web as well as from insurance agents, so get free insurance coverage quotes from both of them so you have a total pricing picture. There are still a few companies who do not provide the ability to get a quote online and usually these small, regional companies only sell coverage through independent agencies.

Insureds who switch companies do it for any number of reasons including unfair underwriting practices, not issuing a premium refund, questionable increases in premium or extreme rates for teen drivers. Regardless of your reason, switching insurance coverage companies is pretty simple and you could end up saving a buck or two.

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