Cheap 2010 Ford Taurus Car Insurance Quotes

Consumers have a choice when looking for the best price on Ford Taurus insurance. They can either spend hours driving around getting price quotes or use the internet to get rate quotes. There is a right way and a wrong way to buy insurance coverage so you’re going to learn the absolute fastest way to compare rates for a Ford and find the lowest price.

Choosing the best insurance company for you is quite easy. If you currently have a car insurance policy, you will be able to reduce your rates substantially using these techniques. Drivers just need to know the most effective way to compare price quotes online.

How to compare free auto insurance quotes

Most companies allow consumers to get coverage price quotes direct online. Obtaining pricing is quite easy because you just enter your required coverages into the form. When complete, their rating system collects reports for credit and driving violations and quotes a price.

Online price estimates makes comparing rates easy, but the process of having to visit multiple sites and type in the same information can get tiresome after awhile. But it is imperative to have as many quotes as possible if you want to find the lowest price.

A more efficient way to compare auto insurance pricing uses one form to obtain quotes from multiple companies. It’s a real time-saver, requires less work, and makes online quotes a lot less work. Once the form is submitted, it gets priced and you can choose any one of the resulting price quotes. If the quotes result in lower rates, you simply finish the application and buy the policy. The whole process can be completed in a matter of minutes and can result in significant savings.

To save time and compare rates using this form now, click here to open in new window and submit your coverage information. If you have your current policy handy, we recommend you duplicate the limits and deductibles just like they are on your policy. This ensures you will have comparison quotes for the exact same coverage.

Take policy discounts and save

Not many people think insurance is cheap, but you may be missing some discounts that can help lower your rates. Some discounts apply automatically at quote time, but a few need to be requested specifically in order for you to get them.

  • Good Driver Discounts – Insureds who avoid accidents could pay up to 40% less on Taurus insurance compared to rates paid by drivers with frequent claims.
  • Home Ownership Discount – Owning your own home or condo may trigger a policy discount on insurance since owning and maintaining a home demonstrates responsibility.
  • Federal Employees – Employees or retirees of the government could cut as much as 10% off on Taurus insurance with select insurance companies.
  • Student Discounts – Performing well in school may save you up to 25%. The good student discount can last up to age 25.
  • Discount for Life Insurance – Larger insurance companies have a lower premium rate if you buy a life policy as well.
  • Anti-lock Brake System – Cars, trucks, and SUVs with ABS braking systems or traction control prevent accidents so you can save 10 percent or more.

As a disclaimer on discounts, many deductions do not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as comp or med pay. So even though you would think you could get a free insurance policy, that’s just not realistic.

Companies and a partial list of their discounts can be read below.

  • Farmers Insurance offers premium reductions for distant student, electronic funds transfer, business and professional, multi-car, good student, and mature driver.
  • Esurance includes discounts for defensive driver, emergency road assistance, anti-theft, online shopper, DriveSense, and renters.
  • State Farm has savings for defensive driving training, Steer Clear safe driver discount, good student, multiple autos, multiple policy, and good driver.
  • GEICO may include discounts for anti-theft, driver training, anti-lock brakes, military active duty, federal employee, multi-policy, and five-year accident-free.
  • Allstate may offer discounts for defensive driver, senior citizen, premier discount, early signing, and FullPay discount.

When comparing rates, check with every company to give you their best rates. All car insurance discounts may not apply to policies in your area. To locate insurers that offer many of these discounts, click here to view.

Five tips to get cheap insurance prices

Many different elements are taken into consideration when pricing auto insurance. Most are fairly basic such as your driving record, but other criteria are less obvious like where you live and annual miles driven.

  • Your vocation and car insurance rates – Did you know your car insurance rates can be affected by your occupation? Jobs such as military generals, executives and accountants tend to pay higher premium rates in part from stressful work requirements and incredibly demanding work hours. Other occupations like scientists, engineers and retirees receive lower rates on Taurus insurance.
  • Pay more if you have a long commute – Being located in smaller towns and rural areas of the country is a good thing when shopping for auto insurance. People who live in big cities tend to have traffic congestion and more severe claims. Fewer drivers on the road means fewer accidents and lower theft and vandalism rates.
  • Your liability insurance limits – The liability section of your policy will afford coverage if ever a court rules you are at fault for personal injury or accident damage. Liability provides for a legal defense which can be incredibly expensive. Liability is cheap compared to insuring for physical damage coverage, so insureds should have plenty of protection for their assets.
  • Age of drivers impacts costs – Young drivers are known to be easily distracted when driving so car insurance rates are higher. If you’ve ever had to add a beginning driver to your policy can really hurt. Older drivers have been proven to be more responsible, tend to file fewer claims and tend to be get fewer driving tickets.
  • Deter vehicle theft – Selecting a car model with advanced anti-theft systems can help lower your premiums. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping car theft and help bring rates down.

Which policy gives me the best coverage?

When it comes to buying adequate coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is unique.

For instance, these questions can help discover whether you would benefit from an agent’s advice.

  • Am I covered if I drive in a foreign country?
  • If I drive on a suspended license am I covered?
  • Am I covered when using my vehicle for business?
  • Am I better off with higher deductibles on my 2010 Ford Taurus?
  • Does having multiple vehicles earn me a discount?
  • Where can I find DUI or SR-22 insurance?
  • Can I still get insurance after a DUI?
  • Do I have coverage when making deliveries for my home business?
  • Is my 2010 Ford Taurus covered for smoke damage?

If you don’t know the answers to these questions then you might want to talk to an agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance ads are enticing

Consumers constantly see and hear ads for the lowest price car insurance from the likes of State Farm, Allstate and GEICO. They all seem to advertise the message that you’ll save big after switching your policy.

How does every car insurance company give you a lower rate? This is the trick they use.

All the different companies have specific characteristics for a prospective insured that will be a good risk. One example of this type of risk profile might have to be a married male, has a clear driving record, and the vehicle is rated for pleasure use. Any driver that matches those criteria is entitled to the best price and is almost guaranteed to save money with a new company.

Drivers who don’t meet those criteria will have to pay a higher rate which usually ends up with business going elsewhere. If you listen closely, the ads state “customers who switch” not “everybody who quotes” save money. That is how insurance companies can claim big savings. This really drives home the point why drivers must get price quotes at each policy renewal. Because you never know which insurance companies will have the lowest rate quotes.

Auto insurance policy specifics

Having a good grasp of a auto insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP pay for bills such as doctor visits, dental work, EMT expenses and pain medications. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. They cover all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like hail damage, rock chips in glass, vandalism, damage from getting keyed and damage from flooding. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as damage to your Ford Taurus.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Liability – This coverage can cover damages or injuries you inflict on other people or property that is your fault. It protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for things such as attorney fees, loss of income, court costs, repair bills for other people’s vehicles and pain and suffering. How much liability should you purchase? That is a personal decision, but consider buying higher limits if possible.

Collision coverages – Collision insurance covers damage to your Taurus resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things such as crashing into a building, sustaining damage from a pot hole, crashing into a ditch, colliding with another moving vehicle and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.

Money doesn’t grow on trees

The cheapest 2010 Ford Taurus insurance can be bought from both online companies as well as from independent agents, so you need to shop insurance coverage with both so you have a total pricing picture. Some auto insurance companies don’t offer online price quotes and most of the time these regional carriers only sell coverage through independent agents.

As you go through the steps to switch your coverage, it’s not a good idea to reduce coverage to reduce premium. In too many instances, someone dropped physical damage coverage and discovered at claim time they didn’t have enough coverage. Your goal should be to buy enough coverage at the lowest possible cost but still have enough coverage for asset protection.

Drivers who switch companies do it for a number of reasons such as not issuing a premium refund, delays in paying claims, delays in responding to claim requests or even questionable increases in premium. Whatever your reason, switching auto insurance companies is actually quite simple.

More detailed auto insurance information can be read at these sites: