Compare 2000 Ford Taurus Insurance Cost

Want better insurance coverage rates for your Ford Taurus? Purchasing discount insurance coverage over the internet may at first seem to be challenging for vehicle owners who are new to price shopping over the internet. With a ridiculous number of companies in the marketplace, how can vehicle owners have time to compare every possible option in order to find better rates?

You should make it a habit to take a look at other company’s rates every six months because insurance coverage prices are rarely the same from one policy term to another. Just because you found the lowest rate on Taurus coverage at your last renewal you will most likely find a better premium rate today. There is lot of inaccurate information about insurance coverage online, but we’re going to give you some proven techniques to reduce your insurance coverage bill.

If you have car insurance now, you will most likely be able to lower your premiums substantially using this information. The purpose of this article is to help you learn the most effective way to quote insurance and some money-saving tips. Although vehicle owners can benefit from knowing how companies price online insurance.

Lower rates by qualifying for discounts

Companies offering auto insurance don’t necessarily list all disounts in an easy-to-find place, so the list below gives a summary of some of the more common in addition to some of the lesser obvious credits available to you. If you do not check that you are getting every discount available, you are paying more than you should be.

  • Telematics Data Discounts – Insureds who allow data collection to analyze vehicle usage by using a small device installed in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive may get a rate reduction if their driving habits are good.
  • Auto/Life Discount – If the company offers life insurance, you could get a break if you buy some life insurance too.
  • Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class in high school.
  • Defensive Driver Discounts – Taking a course that instructs on driving safety can save you 5% or more and easily recoup the cost of the course.
  • Senior Citizens – Drivers over the age of 55 may be able to get reduced rates on Taurus coverage.
  • Military Deployment Discount – Being deployed in the military could qualify you for better prices.
  • Good Student Discount – Getting good grades may save you up to 25%. This discount can apply up until you turn 25.
  • Sign Online – A few companies give back up to $50 for completing your application on the internet.
  • Low Miles Discount – Keeping the miles down on your Ford could qualify for slightly better auto insurancerates than normal.
  • Homeowners Savings – Just owning your own home may trigger a policy discount on auto insurance due to the fact that maintaining a home is proof that your finances are in order.

A quick disclaimer, most of the big mark downs will not be given to the entire cost. Most only apply to individual premiums such as comprehensive or collision. So even though it sounds like having all the discounts means you get insurance for free, nobody gets a free ride.

Popular auto insurance companies and their offered discounts are included below.

  • Farm Bureau may offer discounts for youthful driver, multi-policy, good student, driver training, 55 and retired, safe driver, and renewal discount.
  • MetLife may include discounts for multi-policy, good student, accident-free, claim-free, good driver, defensive driver
  • Progressive has discounts for multi-policy, online quote discount, continuous coverage, multi-vehicle, and good student.
  • AAA offers premium reductions for AAA membership discount, education and occupation, anti-theft, good driver, multi-policy, and good student.
  • American Family offers discounts including Steer into Savings, bundled insurance, multi-vehicle, good driver, and early bird.
  • Geico includes discounts for multi-vehicle, federal employee, military active duty, good student, anti-theft, membership and employees, and emergency military deployment.
  • State Farm has savings for passive restraint, defensive driving training, safe vehicle, driver’s education, student away at school, and multiple policy.

When comparing rates, check with all the companies what discounts are available to you. Savings might not apply in every state.

Compare quotes for insurance

There are a lot of ways to compare insurance prices but there is one way that is less time-consuming than others. You can spend your afternoon talking to insurance agencies in your area, or you could use online quotes to get the quickest rates.

Most major companies participate in a marketplace that enables customers to enter their policy data once, and each company returns a rated price determined by their information. This system prevents you from having to do quotation requests to every company.

To access this free quoting program, click here to open in new window.

The one downside to doing it this way is you can’t choose the providers to get quotes from. So if you prefer to choose specific insurance companies for rate comparison, we put together a list of insurance companies in your area. Click to view list.

Which method you use is up to you, but make sure you use identical coverages for each price quote. If you use different deductibles you will not be able to determine which rate is truly the best. Just slight variations in coverage limits could mean much higher rates. Keep in mind that comparing more quotes will enable you to find the best offered rates. Some insurance companies are not set up to provide online rate quotes, so it’s important to compare quotes on coverage from those companies, too.

Insurance coverage is unique, just like you

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

These are some specific questions can help discover whether or not you will benefit from professional help.

  • Is my camper covered by my car insurance policy?
  • Is a new car covered when I drive it off the dealer lot?
  • When would I need additional glass coverage?
  • What is the ISO rating for a 2000 Ford Taurus?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Do I need higher collision deductibles?
  • When should I drop full coverage on my 2000 Ford Taurus?
  • Am I getting all the discounts available?
  • Does coverage extend to my business vehicle?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If it’s difficult to answer those questions then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form.

Car insurance 101

Understanding the coverages of your policy helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for expenses such as nursing services, rehabilitation expenses and hospital visits. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive protection

This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as a broken windshield, falling objects, rock chips in glass, fire damage and damage from getting keyed. The maximum payout your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for collisions

Collision insurance covers damage to your Taurus resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like crashing into a building, backing into a parked car, rolling your car and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Auto liability

Liability coverage provides protection from damages or injuries you inflict on other’s property or people. This insurance protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims like repair bills for other people’s vehicles, medical services, court costs and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.

Uninsured or underinsured coverage

Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and damage to your Ford Taurus.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Money doesn’t grow on trees

We just presented a lot of information how to save on 2000 Ford Taurus insurance. The key thing to remember is the more rate comparisons you have, the better chance you’ll have of finding affordable car insurance. You may even discover the biggest savings come from a small mutual company.

Cheaper 2000 Ford Taurus insurance is definitely available from both online companies and also from your neighborhood agents, and you should be comparing both to have the best selection. Some companies may not offer online price quotes and many times these smaller providers work with local independent agencies.

When shopping online for insurance, you should never skimp on coverage in order to save money. Too many times, an insured dropped uninsured motorist or liability limits and discovered at claim time that it was a big error on their part. Your aim should be to find the BEST coverage at the best possible price and still be able to protect your assets.

More tips and info about insurance can be found in these articles: