1994 Ford Taurus Insurance Rates

Searching for better insurance prices for a Ford Taurus can turn out to be a painful process, but you can use a few tricks to find lower rates.

There is a better way to buy insurance coverage so we’re going to tell you the quickest way to get price quotes for a new or used Ford and obtain the lowest possible price from local insurance agents and online providers.

It is always a good idea to do rate comparisons on a regular basis because prices are usually higher with each renewal. Even if you think you had the lowest quotes for Taurus insurance a couple years back you can probably find a better rate now. There are lots of tips to save on insurance coverage online but by reading this article, you’re going to learn some of the best techniques to buy insurance coverage cheaper.

Cheap insurance coverage quotes

Finding low cost 1994 Ford Taurus insurance coverage quotes can be surprisingly simple. The only thing you need to do is take time comparing free insurance quotes online from several insurance companies. You can get a good selection of rate quotes in several different ways.

  1. One of the simplest ways to find the lowest comparison rates is a comparison rater form click to view form in new window. This form saves time by eliminating repetitive form entry for each company. Filling out one form will return price quotes from insurance coverage companies with the best prices. This is by far the quickest method.
  2. A more time consuming way to compare rate quotes is to manually visit the website for each individual company and repeat the quote process again and again. For examples sake, let’s say you want to get rates from State Farm, Allstate and Liberty Mutual. In order to compare rates, you need to go to every website and repeatedly enter your information, and that’s why the first method is more popular. For a list of companies in your area, click here.

Whichever way you use, do your best to enter identical coverages for each quote you get. If the quotes have unequal deductibles or liability limits then you won’t be able to determine which rate is truly the best.

Do you qualify for discount car insurance?

Some insurance providers don’t always list all available discounts very clearly, so we took the time to find some of the more common and also the lesser-known discounts you could be receiving when you buy insurance online.

  • Federal Employees – Simply working for the federal government could qualify for a slight premium decrease for Taurus insurance depending on your car insurance provider.
  • Safe Driver Discounts – Safe drivers may save up to 50% more for Taurus insurance compared to rates paid by drivers with frequent claims.
  • Senior Citizen Rates – Drivers that qualify as senior citizens are able to get a small discount on rates for Taurus insurance.
  • More Vehicles More Savings – Buying coverage for all your vehicles on the same car insurance policy can get a discount for every vehicle.
  • Defensive Driver Discount – Taking a safe driver class could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Discounts for Seat Belt Usage – Requiring all passengers to wear their seat belts can save up to 10 percent (depending on the company) off PIP or medical payments premium.
  • E-sign Discounts – Some of the larger companies may give you up to $50 get insurance on your computer.
  • Telematics Discount – People who choose to allow their insurance company to analyze their driving habits remotely like Drivewise from Allstate or In-Drive from State Farm could possibly reduce rates if they have good driving habits.

Discounts save money, but please remember that most discounts do not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though it appears all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

A partial list of companies that may offer policyholders most of these discounts include:

When getting free insurance quotes, it’s a good idea to every company which discounts they offer. Some of the earlier mentioned discounts might not be offered in your state. For a list of car insurance companies who offer online car insurance quotes, click here.

Find Ford Taurus insurance at a discount

Multiple criteria are used when premium rates are determined. A few of the factors are predictable like an MVR report, but some are not quite as obvious such as whether you are married or your commute time.It’s important that you understand the rating factors that come into play when calculating the rates you pay for car insurance. If you understand what controls the rates you pay, this allows you to make good choices that may result in better car insurance rates.

  • Get hitched and pay less – Being married may save some money on your car insurance policy. It demonstrates that you tend to be more responsible and insurance companies like that married drivers tend to have fewer serious accidents.
  • Where do you drive? – The higher the mileage driven each year the more you will pay for car insurance. Many insurance companies apply a rate based on their usage. Autos that are left in the garage get more affordable rates than vehicles that have high annual mileage. Ask your agent if your car insurance policy correctly shows the correct usage, because improper ratings can cost you money. An improperly rated Taurus can cost quite a bit.
  • Liability protection safeguards assets – The liability section of your policy will afford coverage if ever you are determined to be liable for personal injury or accident damage. It provides legal defense coverage to defend your case. Liability is cheap when compared to the cost of physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • Bundling policies can get discounts – Most insurance companies afford discounts for people that purchase more than one policy. It’s known as a multi-policy discount. If you currently are using one company, it’s still a good idea to check prices from other companies to confirm you are receiving the best rates possible.
  • Save money by having high credit – Your credit history can be an important factor in calculating your car insurance rates. Drivers who have excellent credit tend to be less risk to insure than those with poor credit scores. If your credit is not that good, you could save money insuring your 1994 Ford Taurus by improving your rating.
  • Careless drivers pay higher premiums – Attentive drivers pay lower auto insurance prices as compared to careless drivers. Even one driving citation can boost insurance rates by as much as thirty percent. Drivers who have license-revoking violations like DUI or reckless driving are required to prove financial responsibility with their state’s licensing department in order to drive a vehicle legally.
  • Premiums may be lower depending on your vocation – Did you know your occupation can influence how much you pay for car insurance? Occupations such as judgespolice officers and financial analysts generally have the highest rates in part from job stress and extremely grueling work hours. Conversely, jobs like professors, engineers and homemakers generally pay rates lower than average for Taurus insurance.
  • No coverage gaps is important – Not having insurance is illegal and your next policy will cost more because you let your insurance lapse for non-payment. And not only will insurance be more expensive, the inability to provide proof of insurance might get you a revoked license or a big fine. You will then be forced to file a SR-22 with your state DMV.

What insurance coverages do I need?

When it comes to choosing proper insurance coverage, there really is not a “perfect” insurance plan. Every situation is different.

For instance, these questions might point out if your situation might need an agent’s assistance.

  • Is other people’s property covered if stolen from my vehicle?
  • When can my company non-renew my policy?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Does my policy cover me when driving someone else’s vehicle?
  • If my pet gets injured in an accident are they covered?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and may give you better protection.

Insurance coverages explained

Learning about specific coverages of your insurance policy can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

UM/UIM Coverage

This coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and damage to your Ford Taurus.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Auto liability

Liability coverage provides protection from damages or injuries you inflict on other’s property or people in an accident. This coverage protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like structural damage, emergency aid, medical expenses and loss of income. How much coverage you buy is a decision to put some thought into, but buy as large an amount as possible.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for expenses for things like dental work, rehabilitation expenses, hospital visits and surgery. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover you and your occupants in addition to if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage

Auto collision coverage

This pays for damage to your Taurus from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims like damaging your car on a curb, hitting a mailbox and crashing into a ditch. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision

This 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 things such as falling objects, a tree branch falling on your vehicle, vandalism, damage from getting keyed and a broken windshield. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Make an honest buck

Cost effective 1994 Ford Taurus insurance is possible both online and from local insurance agents, so you need to quote insurance with both in order to have the best chance of saving money. Some companies do not provide online quoting and most of the time these small, regional companies prefer to sell through independent agents.

In this article, we covered quite a bit of information on how to save on 1994 Ford Taurus insurance. The key thing to remember is the more times you quote, the higher the chance of saving money. Drivers may discover the biggest savings come from a small mutual company.

Insureds switch companies for a variety of reasons including policy non-renewal, delays in paying claims, unfair underwriting practices and even an unsatisfactory settlement offer. Whatever your reason, choosing a new company can be easy and end up saving you some money.

More detailed auto insurance information is available by following these links: