1996 Ford Taurus Insurance Quotes

Looking for better car insurance rates for your Ford Taurus? Expensive car insurance can stress out your checking account and force you to make tough financial choices. Price shopping at each renewal is free, only takes a few minutes, and is a good way to lower your monthly bill.

Many car insurance companies vie for your insurance dollar, so it can be very hard to choose a insurer and get the definite lowest rate possible.

Consumers should take time to shop coverage around quite often because car insurance prices are variable and change quite frequently. Just because you found the lowest price for Taurus coverage a year ago other companies may now be cheaper. Ignore everything you know about car insurance because you’re going to get a crash course in one of the easiest ways to lower your annual insurance bill.

The best way we recommend to compare rates is to know the trick auto insurance companies have advanced systems to provide you with a free rate quote. To begin a comparison, all you need to do is spend a couple of minutes providing details including what you do for a living, your education level, driver ages, and whether the vehicles are used for commuting. Your information gets sent immediately to multiple different insurance companies and they return quotes instantly.

Take advantage of with these discounts

Insurance coverage is not inexpensive, but discounts can save money and there are some available that can help lower your rates. Some trigger automatically when you purchase, but occassionally some discounts must be specifically requested prior to receiving the credit.

  • Data Collection Discounts – Insureds that choose to allow their insurance coverage company to study driving manner by installing a telematics device like In-Drive from State Farm and Progressive’s Snapshot could see a rate decrease if their driving habits are good.
  • Paperless Signup – Some of the larger companies will give you a small discount just for signing your application on the internet.
  • Anti-lock Brake Discount – Vehicles with ABS braking systems or traction control can reduce accidents and qualify for as much as a 10% discount.
  • Air Bags and Passive Restraints – Vehicles equipped with air bags or automatic seat belts can get savings as much as 30%.
  • Payment Discounts – By paying your entire bill at once as opposed to paying monthly you can actually save on your bill.
  • Military Deployment Discount – Being deployed in the military could trigger a small discount.
  • Defensive Driver Discount – Successfully completing a driver safety course could earn you a small percentage discount if your company offers it.
  • Homeowners Pay Less – Being a homeowner can help you save on insurance coverage because it requires personal responsibility.
  • No Charge for an Accident – Not really a discount, but a few companies such as Allstate, State Farm and Geico may permit one accident before they charge you more for coverage if you have no claims prior to the accident.
  • Auto/Home Discount – If you can combine your auto and home policy with the same insurance company you may earn up to 20% and get you cheap insurance coverage.

As a footnote on discounts, some credits don’t apply the the whole policy. Some only reduce the price of certain insurance coverages like liability and collision coverage. Just because you may think you could get a free insurance coverage policy, companies wouldn’t make money that way.

Auto insurance companies that may offer quotes with these money-saving discounts include:

Before purchasing a policy, check with every insurance company which credits you are entitled to. All car insurance discounts might not be offered in your area.

Your situation helps dictate your coverage

When it comes to buying the right insurance coverage, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For instance, these questions can help discover if your insurance needs will benefit from professional help.

  • When should I buy a commercial auto policy?
  • Will I be non-renewed for getting a DUI or other conviction?
  • How can I get my company to pay me more for my totalled car?
  • Am I covered when pulling a rental trailer?
  • Do I pay less if my vehicle is kept in my garage?
  • Am I insured when driving a different vehicle?
  • Should I sign the liability waiver when renting a car?
  • Does having multiple vehicles earn me a discount?
  • How do I buy GAP insurance?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Auto insurance coverage information

Knowing the specifics of your insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring. Below you’ll find typical coverages offered by insurance companies.

Auto collision coverage

This will pay to fix damage to your Taurus caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as hitting a mailbox, crashing into a building, backing into a parked car, damaging your car on a curb and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. You can also bump up the deductible to get cheaper collision coverage.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for immediate expenses for nursing services, surgery, rehabilitation expenses and pain medications. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Ford Taurus.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive (Other than Collision)

This pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like falling objects, hitting a bird, a tree branch falling on your vehicle, hail damage and vandalism. The highest amount a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability insurance

This can cover damage or injury you incur to other’s property or people by causing an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims like bail bonds, funeral expenses and medical services. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.

One last thing

We’ve covered a lot of information how to compare 1996 Ford Taurus insurance prices online. It’s most important to understand that the more rate comparisons you have, the higher your chance of finding cheap insurance coverage. You may even find the best prices are with a company that doesn’t do a lot of advertising. Some small companies may often insure only within specific states and give getter rates than their larger competitors like Allstate or State Farm.

Some insurance providers don’t offer online price quotes small, regional companies sell through local independent agencies. Cheaper 1996 Ford Taurus insurance is definitely available online and also from your neighborhood agents, and you need to comparison shop both to have the best selection.

Additional auto insurance information is available below: