Lower Your 1995 Ford Taurus Insurance Cost

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.

Get affordable car insurance with discounts

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.

  • Policy Bundle Discount – If you can bundle your auto and homeowners insurance with the same company you could earn a discount of 10% to 20% off each policy.
  • Driver’s Ed – Cut your cost by having your teen driver sucessfully take a drivers education course in school.
  • Lower Rates for Military – Being deployed with a military unit may qualify for rate reductions.
  • Memberships – Being a member of qualifying employment or professional organizations can get you a small discount on your next car insurance statement.
  • Save over 55 – Mature drivers may be able to get better car insurance rates on Taurus insurance.
  • ABS and Traction Control Discounts – Cars that have steering control and anti-lock brakes have fewer accidents and qualify for as much as a 10% discount.

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.

  • State Farm may have discounts that include safe vehicle, defensive driving training, anti-theft, student away at school, good student, and good driver.
  • Farmers Insurance offers premium reductions for homeowner, early shopping, good student, mature driver, pay in full, and switch companies.
  • Geico policyholders can earn discounts including defensive driver, emergency military deployment, air bags, multi-policy, and military active duty.
  • American Family discounts include early bird, defensive driver, bundled insurance, air bags, and good student.
  • Nationwide has discounts for anti-theft, Farm Bureau membership, easy pay, business or organization, accident-free, and defensive driving.
  • Progressive offers discounts for multi-vehicle, homeowner, multi-policy, continuous coverage, and online signing.

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 auto insurance

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.

  1. The most recommended method to get the best comparison quotes is an all-inclusive rate comparison click here to open form in new window. This style of form eliminates the need for separate quotes for every prospective company. One form will get you price quotes from auto insurance companies with the best prices. It’s the fastest way to compare.
  2. A more time consuming way to shop for auto insurance online requires a visit to each individual company website and request a quote. For examples sake, let’s assume you want to get rates from USAA, Farmers and Travelers. In order to compare rates, you need to go to each individual site and repeatedly type in your coverage information, which is why most consumers use the first method. For a list of companies in your area, click here.

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.

Tailor your insurance coverage coverage to you

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.

  • Can I rent a car in Mexico?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Do I need to file an SR-22 for a DUI in my state?
  • Does my insurance cover a custom paint job?
  • What is high-risk coverage and where do I buy it?
  • What if I total my 1995 Ford Taurus and owe more than it’s worth?
  • Does my liability insurance cover pulling a trailer or camper?

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.

Car insurance 101

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

Make an honest buck

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