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Ford Taurus Insurance Rates

Comparing auto insurance by quoting online saves time, is easy to do and there is a good chance you might just save a little. The key to finding lower rates is to compare as many rate quotes as possible so you can compare the cheapest rate quotes.

Using the web to shop for auto insurance direct can be a challenge if you are a beginner to online rate quotes. But don't let that discourage you because comparing prices is actually very simple. Finding lower Taurus insurance cost is a fairly straight forward process. You just have to spend a little time to get quotes online from several insurance companies. This can be done by visiting this page.

Auto insurance rates for a Ford Taurus will vary greatly and are calculated by many factors. Some of these factors include:

  • Tickets increase premiums
  • Your credit history
  • Male drivers pay higher rates
  • Higher deductibles save money
  • Safety rating of your Taurus
  • Claims drive up premiums
  • Maintaining coverage lowers rates
  • Whether you own your home

A final factor that can impact Taurus insurance rates is the model year. A newer vehicle have a higher value in comparison to later models so the costs to repair will push premiums up. But new Ford models may have a trim level with safety features including tire pressure monitors, sideview assist mirrors, lane departure warning system, and adaptive cruise control so those may provide discounts that lower premiums.

To get more specific information about how rates are influenced for your specific model year, select the year of your vehicle below.

Liability coverages - This provides protection from damage that occurs to other people or property. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so consider buying as much as you can afford.

Collision coverage - This coverage pays to fix your vehicle from damage caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company. Taurus collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive coverages - Comprehensive insurance will pay to fix 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 your Ford Taurus comprehensive insurance. The maximum amount you'll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage gives you protection when the "other guys" either have no liability insurance or not enough. Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Coverage for medical payments - Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. PIP coverage is not universally available but can be used in place of medical payments coverage.

How Much are Ford Taurus Insurance Rates?