Searching for the cheapest insurance for a Ford Taurus can normally be a lot of work, but you can follow these tips and make it easy.
There is a right way and a wrong way to compare car insurance rates so we’re going to tell you the quickest way to price shop coverage for a Ford and get the cheapest rates.
Some companies don’t always list all disounts in an easy-to-find place, so the following is a list of some of the more common in addition to some of the lesser obvious discounts that you can inquire about if you buy insurance online.
You can save money using discounts, but many deductions do not apply to all coverage premiums. Most only reduce specific coverage prices like liability, collision or medical payments. So even though it sounds like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.
Popular car insurance companies and their possible discounts are outlined below.
Before you buy a policy, ask all companies you are considering the best way to save money. Savings may not be available everywhere. To locate companies that can offer you the previously mentioned discounts, click here to view.
Finding a better price on auto insurance is pretty simple and can save money. All you need to do is take a couple of minutes comparing free insurance quotes from different insurance companies. This can be done in just a few minutes using one of these methods.
Compare rates however you want, just make sure you compare the exact same coverage data for each price quote. If you compare higher or lower deductibles it will be impossible to determine the lowest rate for your Ford Taurus.
When it comes to choosing the right insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is a little different.
For example, these questions might help in determining if your situation could use an agent’s help.
If you can’t answer these questions, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and you can get the answers you need.
Knowing the specifics of your policy can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.
Collision coverage – Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against things like hitting a mailbox, colliding with another moving vehicle and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also choose a higher deductible to bring the cost down.
Auto liability – Liability coverage will cover damage that occurs to people or other property in an accident. It protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Occasionally you may see a combined limit which limits claims to one amount rather than limiting it on a per person basis.
Liability insurance covers claims like medical services, funeral expenses, emergency aid and medical expenses. How much liability should you purchase? That is up to you, but buy higher limits if possible.
Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and also any damage incurred to your Ford Taurus.
Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Usually these limits are similar to your liability insurance amounts.
Comprehensive insurance – Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive coverage pays for claims like falling objects, a broken windshield, theft, hail damage and hitting a bird. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.
Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP pay for expenses such as funeral costs, prosthetic devices, doctor visits and surgery. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage
Lower-priced insurance coverage can be sourced on the web in addition to local insurance agencies, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance companies do not provide rate quotes online and most of the time these small insurance companies sell through local independent agencies.
Insureds leave their current company for a variety of reasons including unfair underwriting practices, high rates after DUI convictions, policy non-renewal and even high prices. Regardless of your reason, finding a great new company is pretty simple and you could end up saving a buck or two.
While you’re price shopping online, it’s a bad idea to reduce coverage to reduce premium. There are many occasions where drivers have reduced liability limits or collision coverage and found out when filing a claim that it was a big mistake. Your objective should be to get the best coverage possible for the lowest price.
Additional insurance coverage information is located at the links below