2014 Ford Taurus Insurance Quotes

Have you finally had enough of trying to scrape together enough money to pay your car insurance bill each month? You’re in the same situation as millions of other vehicle owners. Big-name insurance companies like State Farm, Progressive and GEICO constantly blast consumers with ads and it is difficult to separate fact from fiction and effectively compare rates to find the best deal.

It’s smart to price shop coverage before your next renewal because car insurance prices change frequently. Even if you got the best rate on Taurus coverage two years ago you will most likely find a better premium rate today. Forget all the misinformation about car insurance because you’re about to find out the tricks you need to know to eliminate unnecessary coverages and save money.

Finding auto insurance

Shopping for lower auto insurance rates can be exhausting if you don’t utilize the easiest way. You can waste hours discussing policy coverages with agents in your area, or you can stay home and use online quoting to get the quickest rates.

Most major companies participate in an industry program where insurance shoppers only type in their quote data once, and each participating company can provide price quotes. This saves time by eliminating form submissions for every auto insurance company. To participate in this free quote system, click here to start a free quote.

One minor caviat to comparing rates this way is you don’t know exactly which companies to receive prices from. So if you prefer to choose specific providers to compare prices, we have assembled a list of low cost auto insurance companies in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but do your best to use the exact same coverages and limits for each quote you get. If you have different limits and deductibles on each one it will be very difficult to make a fair rate comparison.

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Smart consumers save on insurance

Smart consumers have a good feel for a few of the rating criteria that play a part in calculating the price you pay for car insurance. If you have some idea of what impacts premium levels, this enables informed choices that could help you find lower rates. Lots of factors are taken into consideration when pricing auto insurance. A few of the factors are predictable like a motor vehicle report, but other factors are more obscure such as your credit history or your vehicle rating.

Cars with good safety ratings that lower prices – Purchasing a vehicle with a theft deterrent system can save you some money. Theft prevention devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart vehicle theft.
Lower rates by increasing deductibles – Insurance for physical damage to your car, also called ‘full coverage’, insures against damage to your Ford. A few examples of covered claims are running into the backend of another car, damage from fire, and damage caused by flying debris. Deductibles for physical damage are the amount of money you are required to spend out-of-pocket if you file a covered claim. The larger the amount you pay before a claim is paid (deductible), the better rate you will receive on Taurus coverage.
Poor credit can mean higher premiums – An insured’s credit score is likely to be a major factor in your rate calculation. Consumers who have good credit tend to file fewer claims than drivers who have worse credit. So if your credit could use some work, you may save money insuring your 2014 Ford Taurus by improving your rating.
Commute or pleasure use – Driving a lot of miles in a year the more you will pay for car insurance. Almost all companies rate vehicles based upon how you use the vehicle. Cars that are left in the garage get more affordable rates than cars that get driven a lot. An incorrectly rated Taurus is just wasting money. Double check that your policy reflects the right rating data, because it can save money.
Employer stress can make you pay more – Do you work in a high-stress field? Occupational choices like military generals, social workers and financial analysts tend to pay higher premiums than the average policyholder because of intense work situations and lengthy work days. On the flip side, occupations such as farmers, students and the unemployed have the lowest average rates on Taurus coverage.
Your spouse saves you money – Walking down the aisle helps lower the price on your policy. It generally demonstrates drivers are less irresponsible and it’s statistically proven that drivers who are married file infrequent claims.
Bundling policies can get discounts – The majority of insurance companies afford a discount for people that purchase more than one policy in the form of a multi-policy discount. The amount of the discounts can be ten percent or more. Even though this discount sounds good, it’s still a good idea to compare rates to make sure you are getting the best deal.There is a good possibility that you can find better rates by buying insurance from more than one company.
Use but don’t abuse your insurance – Car insurance companies generally give better rates to people who are not frequent claim filers. If you are the type of insured that files lots of claims you can look forward to either higher rates or even cancellation. Insurance coverage is meant to be used in the event of claims that you cannot pay yourself.

Insurance coverage policy discounts

Car insurance companies do not list all possible discounts very clearly, so below is a list both well-publicized and the more hidden discounts that you may qualify for.

Accident Forgiveness – This one is not really a discount per se, but some companies like Allstate and Progressive will turn a blind eye to one accident before hitting you with a surcharge if you are claim-free for a certain period of time.
Seat Belts Save – Drivers who always wear seat belts and also require passengers to use a seat belt could save 15% on the premium charged for medical payments and/or PIP.
Driver Safety – Taking part in a class that teaches defensive driving techniques could cut 5% off your bill and make you a better driver.
Drive Safe and Save – Safe drivers may receive a discount up to 45% on Taurus coverage than drivers with accidents.
ABS Braking Discount – Cars equipped with ABS or steering control can stop better under adverse conditions and earn discounts up to 10%.
Smart Student Discounts – Maintaining excellent grades could provide a savings of up to 20% or more. The discount lasts until age 25.

Discounts lower rates, but most of the big mark downs will not be given to the overall cost of the policy. Some only apply to specific coverage prices like comp or med pay. Despite the appearance that all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

To locate companies who offer insurance coverage discounts, follow this link.

How do I know if I need professional advice?

When it comes to choosing adequate coverage, there really is no single plan that fits everyone. Everyone’s needs are different and your policy should reflect that. For instance, these questions can help discover whether or not you might need professional guidance.

How do I file an SR-22 for a DUI in my state?
Is business property covered if stolen from my car?
Will I be non-renewed for getting a DUI or other conviction?
Should I buy full coverage?
Is my 2014 Ford Taurus covered for flood damage?
Is a blown tire covered by insurance?
What are the best liability limits?
Am I covered if hit by an uninsured driver?
Does my policy pay for OEM or aftermarket parts?

If you can’t answer these questions then you might want to talk to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Auto insurance coverages explained

Having a good grasp of auto insurance can help you determine the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. These are typical coverages available from auto insurance companies.

Comprehensive auto coverage

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, hail damage, theft, rock chips in glass and hitting a bird. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as colliding with a tree, hitting a parking meter, sustaining damage from a pot hole and rolling your car. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also choose a higher deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these limits are set the same as your liablity limits.

Liability auto insurance

Liability insurance protects you from damages or injuries you inflict on people or other property that is your fault. It protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different 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 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Some companies may use a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things such as structural damage, attorney fees, court costs and emergency aid. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for immediate expenses such as nursing services, hospital visits, chiropractic care, ambulance fees and doctor visits. They are used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Quote often and quote early

More affordable insurance coverage is available online in addition to local insurance agencies, and you should compare price quotes from both to have the best selection. Some insurance providers may not provide rate quotes online and many times these small insurance companies prefer to sell through independent agents.

You just read many ways to save on 2014 Ford Taurus insurance. The most important thing to understand is the more providers you compare, the more likely it is that you will get a better rate. You may even find the biggest savings come from a small local company. Regional companies can often insure niche markets at a lower cost than the large multi-state companies such as GEICO and State Farm.

More detailed insurance coverage information can be found in these articles: