2013 Ford Taurus Car Insurance Quotes – 7 Tips for Best Rates

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 follow the following methods to save time. There is a right way and a wrong way to buy insurance so you’re going to learn the proper way to price shop coverage on a Ford and get the lowest price.

The quickest method we recommend to compare car insurance rates is to realize all the major auto insurance companies have advanced systems to provide you with free rate quotes. All you need to do is provide the companies a bit of rating information such as your education level, whether or not you need a SR-22, if you have an active license, and what you do for a living. Your insurance information is submitted instantly to multiple insurance coverage providers and they return cost estimate instantly to find the best rate.

To check Ford Taurus insurance prices now, click here and see if a lower rate is available.

Discount insurance coverage quotes

Buying insurance coverage is not cheap, but there may be some discounts that many consumers don’t even know exist. Certain discounts will be triggered automatically at the time you complete a quote, but less common discounts must be asked about in order for you to get them.

  • Active Military Service – Being deployed with a military unit could trigger a small discount.
  • Payment Method – By making one initial payment as opposed to paying monthly you can actually save on your bill.
  • Driver Safety – Taking a defensive driving class could earn you a small percentage discount and easily pay for the cost of the class.
  • Theft Deterent – Vehicles with anti-theft systems have a lower chance of being stolen so companies will give you a small discount.
  • Good Students Pay Less – Performing well in school can earn a discount of 20% or more. The discount lasts up until you turn 25.
  • Seat Belt Usage – Drivers who require all occupants to use their safety belts may be able to save a few bucks off the PIP or medical payment premium.
  • Multi-policy Discount – When you have multiple policies and insure them with the same company you could get a discount of approximately 10% to 15%.

One last thing about discounts, most discounts do not apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. So when the math indicates you would end up receiving a 100% discount, you aren’t that lucky.

A few of the larger companies and a summarized list of policyholder discounts can be found below.

  • Farmers Insurance may offer discounts for mature driver, multi-car, bundle discounts, teen driver, homeowner, and pay in full.
  • Esurance offers premium reductions for safety device, anti-theft, good student, online quote, and homeowner.
  • State Farm has savings for Drive Safe & Save, driver’s education, student away at school, good driver, multiple policy, Steer Clear safe driver discount, and safe vehicle.
  • GEICO may have discounts that include daytime running lights, defensive driver, anti-lock brakes, five-year accident-free, and federal employee.
  • Allstate may include discounts for farm vehicle, multi-policy, good student, safe driver, defensive driver, teenSMART discount, and passive restraint.

If you need lower rates, check with every company to give you their best rates. Some of the earlier mentioned discounts might not be available to policyholders everywhere. To find insurance companies with discount rates, click here to view.

Tailor your car insurance coverage to you

When choosing the right insurance coverage for your personal vehicles, there really is no cookie cutter policy. Each situation is unique.

For example, these questions may help you determine whether your personal situation will benefit from professional help.

  • When can my company non-renew my policy?
  • How much liability insurance is required?
  • Will filing a claim cost me more?
  • Why am I required to get a high-risk car insurance policy?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Why do I only qualify for high-risk insurance?
  • Are all vehicle passengers covered by medical payments coverage?
  • Are my tools covered if they get stolen from my vehicle?
  • Should I buy full coverage?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an agent. To find an agent in your area, fill out this quick form. It is quick, free and you can get the answers you need.

Insurance coverage specifics

Knowing the specifics of insurance can help you determine which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Collision coverage protection

This covers damage to your Taurus resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like rolling your car, sustaining damage from a pot hole, colliding with another moving vehicle and crashing into a ditch. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Liability

Liability coverage provides protection from damage that occurs to people or other property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things like medical services, emergency aid, legal defense fees and loss of income. How much liability should you purchase? That is your choice, but buy as much as you can afford.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Ford Taurus.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like funeral costs, rehabilitation expenses, EMT expenses, X-ray expenses and surgery. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers you and your occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from getting keyed, hitting a deer, damage from a tornado or hurricane, vandalism and damage from flooding. The most you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Get your money’s worth

While you’re price shopping online, it’s not a good idea to buy lower coverage limits just to save a few bucks. Too many times, someone sacrificed uninsured motorist or liability limits only to find out that they should have had better coverage. Your strategy should be to purchase a proper amount of coverage for the lowest price but still have enough coverage for asset protection.

Insureds switch companies for a variety of reasons including lack of trust in their agent, being labeled a high risk driver, denial of a claim and unfair underwriting practices. Whatever your reason, finding a new company can be pretty painless.

Lower-priced insurance coverage is possible both online as well as from insurance agents, and you need to comparison shop both so you have a total pricing picture. Some insurance providers don’t offer online price quotes and most of the time these regional carriers prefer to sell through independent agents.

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