Cheap 1999 Ford Taurus Insurance Rates

Finding better insurance prices for your Ford Taurus can turn out to be a painful process, but you can learn a few tricks and make it easy. There are more efficient ways to compare insurance rates and we’ll show you the quickest way to get price quotes for a new or used Ford and find the lowest price from both online companies and local agents.

It’s a great practice to compare rates on a regular basis due to the fact that insurance prices are rarely the same from one policy term to another. Despite the fact that you may have had the best rates on Taurus coverage a year ago there may be better deals available now. Block out anything you think you know about insurance because we’re going to show you how to quote online to find better rates and still maintain coverage.

Eight tips to get cheap insurance prices

When buying auto insurance it’s important to understand the rating factors that go into determining the rates you pay for auto insurance. If you have some idea of what determines premiums, this enables informed choices that may reward you with much lower annual insurance costs. Many factors are part of the equation when you get your auto insurance bill. Some are pretty understandable like your driving record, although some other factors are less obvious like your continuous coverage or your commute time.

The following are a few of the “ingredients” utilized by car insurance companies to help set your premiums.

  • Low mileage costs less – Driving more miles each year the more it will cost to insure it. The majority of insurers calculate rates based upon how the vehicle is primarily used. Vehicles that sit idle most of the time qualify for better rates than vehicles that are driven to work every day. Having the wrong rating on your Taurus is just wasting money. Make sure your declarations sheet is showing the correct driver usage, because improper ratings can cost you money.
  • Low credit score equals high prices – An insured’s credit history can be a huge factor in determining what you pay for auto insurance. Insureds with high credit scores tend to be more responsible as compared to drivers with lower credit scores. So if your credit score is not that good, you could be paying less to insure your 1999 Ford Taurus by improving your credit score.
  • Save money by raising deductibles – Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your vehicle. Some instances where coverage would apply are colliding with a building, damage caused by hail, and damage caused by flying debris. Physical damage deductibles tell how much you are required to spend in the event of a claim. The more damage repair cost you have to pay, the bigger discount you will receive on Taurus coverage.
  • Lower rates come with age – Drivers with little experience are proven to be less responsible when behind the wheel so they pay higher auto insurance rates. Older insureds are shown to be more cautious, are lower risk to insure and are safer drivers.
  • Women tend to cost less – The statistics show that women are safer drivers than men. This data doesn’t prove that men are worse drivers. They both cause fender benders in similar percentages, but men get into accidents with more damage. Men also tend to get cited for more serious violations like DUI and reckless driving.
  • Remove unneeded incidental coverages – Policies have extra bells and whistles that you can get tricked into buying when buying auto insurance. Things like rental car reimbursement, high-cost glass coverage, and additional equipment coverage may not be needed and are just wasting money. They may seem good when buying your policy, but if you’ve never needed them in the past get rid of them and save.
  • Liability coverage – Liability coverage will protect you in the event that you are ruled to be at fault for an accident. Your liability coverage provides legal defense coverage which can cost a lot. This coverage is relatively inexpensive compared to physical damage coverage, so insureds should have plenty of protection for their assets.
  • Use one insurance company and save – Most major insurance companies will award a discount to insureds that have more than one policy, otherwise known as a multi-policy discount. Even with this discount, it’s still a good idea to get quotes from other companies to guarantee you are still saving the most.

Compare free auto insurance quotes

Comparing auto insurance rates can be a lot of work if you don’t understand the easiest way. You can spend countless hours talking about coverages with local insurance agents in your area, or you could save time and use the internet to get rate comparisons in just a few minutes.

Most major companies are enrolled in a marketplace where prospective buyers send in one quote, and every company provides a quote for coverage. This prevents consumers from doing quote requests for each company.

To get comparison pricing now click here (opens in new window).

The only downside to doing it this way is you can’t choose the companies to receive prices from. If you would rather choose individual companies to receive pricing from, we have a page of companies who write auto insurance in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just make darn sure you compare exactly the same information for each price quote. If you use mixed coverages it will be impossible to find the best deal for your Ford Taurus.

Is there truth in advertising?

Drivers constantly see and hear ads that claim the best car insurance rates by Allstate and Progressive. They all seem to seem to make the promise about saving some big amount if you change your policy.

Is it even possible that every company can make the same claim? You have to listen carefully.

All the different companies have specific guidelines for the driver that is profitable for them. An example of a driver they prefer might have to be over age 30, insures multiple vehicles, and has excellent credit. Any new insured who meets those qualifications receives the best car insurance rates and will probably save a lot of money.

Potential customers who do not meet the ideal profile will have to pay higher rates and this results in the customer buying from a different company. If you pay close attention to the ads, they say “people that switch” not “everyone that quotes” will save that much if they switch. That is how insurance companies can confidently lure you into getting a quote. This really emphasizes why you absolutely need to do a rate comparison at every renewal. It is impossible to predict which insurance companies will provide the lowest car insurance rates.

Get affordable insurance coverage with discounts

Some providers don’t always list all available discounts in a way that’s easy to find, so the list below details both well-publicized in addition to some of the lesser obvious discounts that you may qualify for.

  • Onboard Data Collection – Drivers who elect to allow driving data collection to spy on driving habits by using a telematic data system such as State Farm’s In-Drive may get a rate reduction if they have good driving habits.
  • Bundled Policy Discount – If you combine your homeowners and auto policies and insure them with the same company you may save approximately 10% to 15%.
  • Discount for Swiching Early – Some insurance coverage companies reward drivers for switching companies prior to your current policy expiring. Ten percent is about the average savings.
  • Driver Training Discounts – Taking time to complete a driver safety class can save you 5% or more and easily pay for the cost of the class.
  • Good Students Pay Less – Getting good grades may save you up to 25%. Most companies allow this discount up until you turn 25.
  • No Accidents – Claim-free drivers pay less compared to insureds who have frequent claims or accidents.
  • Theft Prevention Discount – Vehicles that have factory anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.

As is typical with insurance, some credits don’t apply the the whole policy. Some only reduce specific coverage prices like comp or med pay. Just because it seems like you would end up receiving a 100% discount, you won’t be that lucky.

A few companies who might offer most of these discounts include:

When getting a coverage quote, ask each company or agent how you can save money. Depending on the company, some discounts may not be available in every state.

Tailor your car insurance coverage to you

When it comes to buying adequate coverage for your vehicles, there is no perfect coverage plan. Every insured’s situation is different.

These are some specific questions can help discover if your situation might need professional guidance.

  • Should I bundle my homeowners policy with my auto?
  • Am I covered when driving in Canada or Mexico?
  • What can I do if my company denied a claim?
  • Will I be non-renewed for getting a DUI or other conviction?
  • What if I total my 1999 Ford Taurus and owe more than it’s worth?
  • Should I put collision coverage on all my vehicles?
  • What vehicles should carry emergency assistance coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Should I buy full coverage?
  • Is my teenager covered with friends in the car?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Detailed coverages of your car insurance policy

Learning about specific coverages of a car insurance policy can help you determine appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Collision coverage

This coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as crashing into a ditch, scraping a guard rail, hitting a mailbox, driving through your garage door and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It’s also possible to increase the deductible to bring the cost down.

Auto liability insurance

This protects you from damages or injuries you inflict on other’s property or people. It protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage protects against things such as pain and suffering, emergency aid and medical services. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.

Comprehensive or Other Than Collision

This covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as damage from getting keyed, a tree branch falling on your vehicle, hitting a deer, vandalism and hail damage. The maximum amount your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical costs insurance

Med pay and PIP coverage provide coverage for short-term medical expenses for things like prosthetic devices, doctor visits and EMT expenses. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

UM/UIM Coverage

Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Ford Taurus.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Summing up your insurance coverage search

There are still a few companies who do not provide rates over the internet and many times these small, regional companies prefer to sell through independent agents. Lower-priced 1999 Ford Taurus insurance is available online and also from your neighborhood agents, and you should compare rates from both in order to have the best chance of saving money.

We just covered a lot of information how to compare 1999 Ford Taurus insurance premium rates online. The key thing to remember is the more rate comparisons you have, the better likelihood of getting inexpensive car insurance. You may even find the biggest savings come from a lesser-known regional company.

While you’re price shopping online, you should never skimp on critical coverages to save a buck or two. There are a lot of situations where drivers have reduced comprehensive coverage or liability limits only to discover later that they should have had better coverage. Your focus should be to purchase plenty of coverage for the lowest price.

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