View 1997 Ford Taurus Car Insurance Quotes

Trying to find lower insurance rates for your Ford Taurus? Are you confused by the dozens of insurance choices available to you? You have so many options that it can turn into a chore to find better rates.

It’s a good habit to price shop coverage periodically because insurance prices go up and down regularly. If you had the lowest quotes on Taurus coverage a few years ago a different company probably has better rates today. There is a lot of bad information regarding insurance online, but you can learn some solid techniques on how to lower your insurance rates.

Reduce insurance rates with these tips

The best way to find cheaper insurance is to take a look at a few of the rating criteria that help calculate insurance rates. If you have some idea of what impacts premium levels, this allows you to make educated decisions that will entitle you to lower premium levels. Multiple criteria are considered when you get a price on insurance. Some factors are common sense such as traffic violations, although some other factors are more transparent like your continuous coverage or how financially stable you are.

  • Women tend to take less risk – Statistics have proven females are less aggressive when driving. This data doesn’t prove that females are better at driving than males. They both cause fender benders at about the same rate, but guys cause more damage and cost insurance companies more money. Men also tend to have more aggressive citations like DWI (DUI) or reckless driving. Young men ages 16 to 20 tend to get in the most accidents so it costs more to insure them.
  • Better prices with anti-theft devices – Choosing a vehicle that has a built-in theft deterrent system can help lower your rates. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help stop auto theft.
  • The higher your credit score the lower your premiums – Your credit rating is likely to be a major factor in determining what you pay for insurance. People with high credit ratings tend to be better risks to insure than drivers who have bad credit. Therefore, if your credit score is not that good, you could be paying less to insure your 1997 Ford Taurus if you improve your credit rating.
  • Your stress level may be raising your premiums – Do you work in a high-stress field? Occupations such as real estate brokerspolice officers and medical professionals have higher rates than the rest of us because of stressful work requirements and lengthy work days. On the other hand, professions such as farmers, students and homemakers have the lowest average rates on Taurus coverage.
  • Higher comp and collision deductibles save money – Coverage for physical damage, aka comp and collision, insures against damage to your Ford. Some examples of claims that would be covered are a broken windshield, collision with an animal, and windstorm damage. Comprehensive and collision coverage deductibles define the amount you are required to spend out-of-pocket if a claim is determined to be covered. The more of the claim you’re willing to pay, the lower your rates will be on Taurus coverage.
  • Avoid unnecessary extra policy coverages – Policies have extra coverages that can add up if you don’t pay attention. Coverages for rental car coverage, towing coverage, and extra equipment coverage may be wasting your money. They may seem good when deciding what coverages you need, but your needs may have changed so consider taking them off your policy.
  • Lower rates come with age – Older, more experienced drivers are shown to be more cautious, statistically cause fewer accidents , and usually have better credit.Teen drivers are known to be inattentive when at the wheel of a vehicle therefore insurance rates are much higher.

Car insurance policy discounts you can’t miss

Some companies don’t always advertise every discount in a way that’s easy to find, so here is a list a few of the more well known and also the lesser-known ways to save on car insurance. If they aren’t giving you every credit possible, you’re just leaving money on the table.

  • Passive Restraints – Vehicles with factory air bags can get savings of more than 20%.
  • Discounts for Safe Drivers – Drivers who avoid accidents can save up to 40% or more on their insurance quote on Taurus coverage as compared to drivers with claims.
  • Military Discounts – Having a family member in the military could be rewarded with lower rates.
  • Seat Belt Usage – Drivers who require all vehicle occupants to use a seat belt could cut 10% or more on medical payment and PIP coverage.
  • Homeowners Discount – Just being a homeowner can save you money because of the fact that having a home is proof that your finances are in order.
  • Sign Early and Save – Select larger companies give a discount for buying a policy early. It’s a savings of about 10%.
  • Anti-lock Brakes – Vehicles that have steering control and anti-lock brakes can stop better under adverse conditions and qualify for as much as a 10% discount.
  • Multi-car Discount – Insuring all your vehicles with the same company can get a discount for every vehicle.
  • Drivers Education – Teen drivers should take driver’s ed class in school or through a local driver safety program.
  • Mature Driver Discount – If you qualify as a senior citizen, you may receive a discount up to 10% on Taurus coverage.

As a footnote on discounts, most credits do not apply to all coverage premiums. Most only reduce individual premiums such as liability, collision or medical payments. Even though the math looks like you could get a free car insurance policy, car insurance companies aren’t that generous.

The best car insurance companies and a partial list of their discounts are included below.

  • Geico offers premium reductions for military active duty, daytime running lights, emergency military deployment, anti-theft, good student, and seat belt use.
  • USAA may offer discounts for multi-policy, driver training, multi-vehicle, family discount, and annual mileage.
  • Progressive may include discounts for continuous coverage, homeowner, online quote discount, multi-vehicle, multi-policy, and good student.
  • American Family offers discounts including good driver, Steer into Savings, defensive driver, good student, bundled insurance, and TimeAway discount.
  • Esurance has savings for paid-in-full, emergency road assistance, Switch & Save, anti-lock brakes, renters, Pac-12 alumni, and safety device.
  • Farmers Insurance includes discounts for early shopping, pay in full, teen driver, multi-car, mature driver, and electronic funds transfer.
  • State Farm policyholders can earn discounts including Steer Clear safe driver discount, good student, anti-theft, Drive Safe & Save, driver’s education, accident-free, and passive restraint.

If you are trying to find the cheapest insurance quotes, ask all companies you are considering how you can save money. Savings may not be offered in your area. To see car insurance companies who offer cheap car insurance quotes, click here to view.

Ads can be misleading

Big name companies like Geico, State Farm and Progressive consistently run television and radio advertisements. They all seem to have a common claim that drivers can save some big amount if you switch your policy. That’s great but how can every company give you a better price? It’s all in the wording.

Auto insurance companies give the cheapest rates for the type of customer that makes them money. One example of a preferred risk might have to be between 30 and 50, has no driving citations, and does not commute to work. A customer getting a price quote that hits that “sweet spot” will qualify for the lowest premium rates and will most likely save a lot of money.

People who cannot meet these stringent criteria may be required to pay higher premiums which leads to the customer not buying. The trick is to say “people that switch” not “all people who quote” save that much when switching. That’s the way insurance companies can confidently state the savings. Because of the profiling, you really need to compare as many free insurance quotes as you can. Because without a comparison, you cannot know the company that will have the lowest rates.

Insurance agents can help

When it comes to choosing coverage for your vehicles, there is no perfect coverage plan. Everyone’s needs are different.

These are some specific questions can help discover whether you may require specific advice.

  • Am I covered if I wreck a rental car?
  • Do I have coverage when using my vehicle for my home business?
  • Do I have coverage when pulling a U-Haul trailer?
  • Am I covered if I break a side mirror?
  • What are the best liability limits?
  • Should I have a commercial auto policy?
  • Should I drop comprehensive coverage on older vehicles?
  • Should I buy more coverage than the required minimum liability coverage?
  • Can I drive in Mexico and have coverage?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form.

Insurance coverage options for a 1997 Ford Taurus

Having a good grasp of insurance helps when choosing appropriate coverage and proper limits and deductibles. Insurance terms can be confusing and coverage can change by endorsement.

Liability coverages

Liability insurance can cover injuries or damage you cause to other people or property that is your fault. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things like repair costs for stationary objects, medical expenses and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but buy as much as you can afford.

Coverage for uninsured or underinsured drivers

This coverage provides protection when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as vandalism, a broken windshield and hitting a bird. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for medical expenses

Med pay and PIP coverage kick in for expenses like nursing services, X-ray expenses and prosthetic devices. They can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

This coverage covers damage to your Taurus caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like hitting a parking meter, sideswiping another vehicle and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.

Find Good Coverage for Less

You just read some good ideas how you can compare 1997 Ford Taurus insurance premium rates online. It’s most important to understand that the more rate comparisons you have, the better chance you’ll have of finding the cheapest insurance. You may even find the most savings is with a small local company.

Consumers leave their current company for many reasons like lack of trust in their agent, unfair underwriting practices, extreme rates for teen drivers and denial of a claim. It doesn’t matter what your reason, choosing a new company can be less work than you think.

Some insurance providers may not provide the ability to get a quote online small insurance companies work with independent insurance agents. Budget-friendly auto insurance is attainable online and also from your neighborhood agents, and you need to price shop both in order to have the best chance of saving money.

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