Lower Your 2009 Ford Taurus Insurance Quotes

Sick and tired of sacrificing other expenses to insure your Ford every month? You’re in the same situation as millions of other consumers. Lots of auto insurance companies contend for your business, and it can be difficult to compare rates to find the best price available.

If you are insured now or need a new policy, you can use these tips to reduce the price you pay while maximizing coverage. Finding affordable coverage is easy if you know what you’re doing. Drivers only need to know the most effective way to compare rates online.

Earn discounts on car insurance

Car insurance companies don’t always advertise the entire discount list very clearly, so we break down a few of the more common and also the lesser-known credits available to bring down your rates. If you check and find you aren’t receiving every discount available, you are not getting the best rate possible.

  • More Vehicles More Savings – Drivers who insure all your vehicles on one policy can reduce the rates for all insured vehicles.
  • Defensive Driver – Passing a course in safe driver could possibly earn you a 5% discount if your company offers it.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles are much safer to drive and the ABS can save up to 10%.
  • New Car Discount – Putting insurance on a new car can save up to 30% since new model year vehicles have better safety ratings.
  • College Student Discount – Kids who live away from home at college without a vehicle on campus may qualify for this discount.
  • Renewal Discounts – A few insurance companies give discounts for switching policies before your current expiration date. Ten percent is about the average savings.
  • Good Student Discount – This discount may save you up to 25%. Most companies allow this discount up to age 25.
  • Low Miles Discount – Fewer annual miles on your Ford could earn cheaper premium rates.
  • No Charge for an Accident – This one isn’t a discount, but a few companies such as Allstate and State Farm allow you one accident without getting socked with a rate hike if you are claim-free for a particular time prior to the accident.
  • Discounts for Good Drivers – Insureds who avoid accidents may save up to 50% more for Taurus insurance than drivers with accident claims.

Please keep in mind that many deductions do not apply to the overall cost of the policy. Most only cut specific coverage prices like liability, collision or medical payments. Despite the appearance that you could get a free car insurance policy, companies don’t profit that way. But all discounts will help reduce your premiums.

To find car insurance companies that offer many of these discounts, follow this link.

Tailor your insurance coverage to you

When it comes to buying proper insurance coverage, there really is no best way to insure your cars. Every insured’s situation is different so your insurance needs to address that. Here are some questions about coverages that may help highlight if your insurance needs will benefit from professional help.

  • What are the best liability limits?
  • Should I sign the liability waiver when renting a car?
  • Is my Ford Taurus covered if I use it for business?
  • Do I pay less for low miles?
  • Why does it cost so much to insure a teen driver?
  • What is high-risk coverage and where do I buy it?
  • Do I need motorclub coverage?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance companies in your area. It is quick, free and can provide invaluable advice.

Brand name doesn’t guarantee savings

Drivers can’t get away from all the ads that claim the best prices by Allstate, GEICO and Progressive. All the companies have a common claim about savings if you change your auto insurance policy to them.

That’s great but how can every company sell you cheaper insurance coverage? This is how they do it.

Different companies quote their cheapest rates for the type of customer that will generate a profit. A good example of this type of driver could be over the age of 45, has few claims, and chooses high deductibles. Any new insured who matches those parameters will get the preferred rates and therefore will save quite a bit of money when switching.

Consumers who don’t qualify for those criteria will be quoted higher prices which usually ends up with the prospect going elsewhere. If you pay attention, the ads say “customers who switch” but not “everyone who gets a quote” can save as much as they claim. That’s the way insurance companies can confidently make those statements.

This really drives home the point why you need to do a rate comparison at every renewal. You cannot predict with any certainty which company will provide you with the cheapest rates.

Auto insurance coverage information

Knowing the specifics of your insurance policy aids in choosing which coverages you need and proper limits and deductibles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages found on the average insurance policy.

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like damage from flooding, vandalism, damage from a tornado or hurricane, hitting a deer and hitting a bird. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical expense insurance

Med pay and PIP coverage kick in for immediate expenses for doctor visits, X-ray expenses, rehabilitation expenses, pain medications and nursing services. They are utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

This protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as damage 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. For this reason, having high UM/UIM coverages is a good idea. Usually these coverages are set the same as your liablity limits.

Auto collision coverage

Collision insurance covers damage to your Taurus resulting from a 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 protects against claims like hitting a parking meter, colliding with a tree and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to save money on collision insurance.

Liability insurance

Liability coverage protects you from injuries or damage you cause to other’s property or people in an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

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 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Some companies may use one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as legal defense fees, pain and suffering, bail bonds and attorney fees. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Make an honest buck

In this article, we presented a lot of information how to compare 2009 Ford Taurus insurance car insurance rates online. The key thing to remember is the more times you quote, the better your chances of lowering your premium rates. You may even find the lowest priced insurance coverage comes from a smaller regional carrier. Some small companies may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate, GEICO and Progressive.

As you prepare to switch companies, don’t be tempted to buy lower coverage limits just to save a few bucks. There are too many instances where consumers will sacrifice uninsured motorist or liability limits only to discover later that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to find the BEST coverage at the best possible price, but do not sacrifice coverage to save money.

To learn more, feel free to browse the resources below: