2003 Ford Taurus Car Insurance Quotes – 8 Tricks for Cheaper Rates

Looking for the cheapest insurance coverage rates? Shoppers have many options when shopping for low-cost Ford Taurus insurance. You can either spend your time struggling with agents to get rate comparisons or utilize the internet to make rate comparisons. There are more efficient ways to shop for insurance coverage and we’ll show you the best way to price shop coverage for a new or used Ford and obtain the lowest possible price from both online companies and local agents.

It’s a good habit to get comparison quotes on a regular basis due to the fact that insurance prices are variable and change quite frequently. Even if you think you had the best price on Taurus insurance two years ago other companies may now be cheaper. Block out anything you think you know about insurance coverage because you’re going to learn the best methods to save money, get proper coverage and the best rates.

If you are insured now or need a new policy, you can follow these tips to reduce the price you pay and possibly find even better coverage. The purpose of this post is to introduce you to the best way to quote coverages. Drivers just need to learn the most effective way to compare prices on the web.

How to buy auto insurance online

There are multiple methods you can shop for auto insurance but some are less time-consuming than others. You could spend the better part of a day talking to insurance companies in your area, or you can utilize the internet to get the quickest rates.

Most car insurance companies participate in an industry program that allows shoppers to send in one quote, and each participating company provides a quote based on that data. This eliminates the need for form submissions to each individual auto insurance company. To compare rates now click to open in new window.

The only downside to pricing coverage this way is you can’t choose which carriers you will receive quotes from. So if you prefer to pick individual companies to compare rates, we put together a list of the cheapest auto insurance companies in your area. Click here for list of insurance companies.

Whichever way you choose to compare rates, double check that you are using exactly the same coverage limits and deductibles for every quote you compare. If you are comparing unequal deductibles or liability limits it will be next to impossible to determine which company has the best rates.

The ad said I’d save $403 a year!

Consumers can’t avoid all the ads for the lowest price insurance by Progressive, Allstate and Geico. All the companies seem to make the promise that drivers will save a bundle if you just switch your policy.

How do they all cost less than your current company? This is the trick they use.

Insurance providers are able to cherry pick for the type of driver they prefer to insure. A good example of this type of risk profile may be over the age of 50, has other policies, and drives a lower-performance vehicle. Someone who matches that profile will get the preferred rates and will probably save when switching.

Potential insureds who fall short of these standards may be required to pay higher prices which usually ends up with business not being written. If you listen to the ad wording, they say “customers who switch” not “all people who quote” save that kind of money. That’s the way companies can state the savings. Because of this risk profiling, you absolutely need to compare free insurance quotes often. It’s just too difficult to predict which company will provide you with the cheapest prices.

Discounts can really help lower rates

Some providers do not advertise every discount in an easy-to-find place, so the list below details some of the more common and the harder-to-find discounts that you can inquire about if you buy insurance online.

  • Discounts for Federal Employees – Having worked for a branch of the government can save as much as 8% on Taurus insurance depending on your car insurance provider.
  • Theft Prevention Discount – Cars equipped with anti-theft or alarm systems are stolen with less frequency and qualify for as much as a 10% discount.
  • One Accident Forgiven – Not a discount per se, but some companies like Geico, Progressive, and Allstate will turn a blind eye to one accident before they charge you more for coverage if you are claim-free prior to the accident.
  • Lower Rates for Military – Being on active deployment in the military may qualify for rate reductions.
  • Seat Belt Discounts – Buckling up and requiring all passengers to buckle up may be able to save a few bucks on the medical payments or PIP coverage costs.
  • Senior Citizens – Older drivers may qualify for reduced rates on Taurus insurance.
  • Professional Memberships – Belonging to qualifying clubs or civic groups could trigger savings when getting a insurance quote.
  • Discount for Multiple Policies – When you have multiple policies with the same insurance company you could save at least 10% off all policies.

It’s important to note that some credits don’t apply the the whole policy. Most only apply to specific coverage prices like comprehensive or collision. Even though it appears adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

If you would like to choose from a list of insurance companies who offer online car insurance quotes, follow this link.

Will just any policy work for me?

When it comes to choosing the right insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Every situation is different.

For example, these questions might help in determining if your situation may require specific advice.

  • How do I file an SR-22 for a DUI in my state?
  • Are rental cars covered under my policy?
  • Will I lose any money if I cancel my policy before it expires?
  • Does my policy cover my teen driver if they drive my company car?
  • Am I covered if I break a side mirror?
  • What are the financial responsibility laws in my state?
  • Do I really need UM/UIM coverage?
  • How much liability do I need to cover my assets?
  • Is other people’s property covered if stolen from my vehicle?

If you can’t answer these questions but you know they apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, complete this form. It only takes a few minutes and you can get the answers you need.

Auto insurance 101

Knowing the specifics of a car insurance policy can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Medical expense insurance

Med pay and PIP coverage kick in for bills for doctor visits, pain medications, dental work, ambulance fees and EMT expenses. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover you and your occupants as well as getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as hitting a bird, fire damage, falling objects and vandalism. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as damage to your 2003 Ford Taurus.

Because many people 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 should not be overlooked.

Liability

Liability coverage protects you from damage that occurs to a person or their property by causing an accident. This coverage protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers things like repair bills for other people’s vehicles, medical services, loss of income, funeral expenses and medical expenses. The amount of liability coverage you purchase is your choice, but consider buying as large an amount as possible.

Auto collision coverage

This pays for damage to your Taurus resulting from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as colliding with a tree, backing into a parked car and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

The best insurance company isn’t always the cheapest

People switch companies for any number of reasons including high prices, delays in responding to claim requests, delays in paying claims or being labeled a high risk driver. Regardless of your reason for switching companies, finding a new car insurance company is pretty simple and you could end up saving a buck or two.

As you prepare to switch companies, it’s very important that you do not buy lower coverage limits just to save a few bucks. In too many instances, drivers have reduced comprehensive coverage or liability limits only to find out that it was a big mistake. The ultimate goal is to get the best coverage possible at an affordable rate, not the least amount of coverage.

Lower-priced 2003 Ford Taurus insurance is definitely available from both online companies as well as from independent agents, so get free insurance quotes from both of them to have the best selection. Some car insurance companies don’t offer online rate quotes and usually these regional insurance providers only sell through independent insurance agencies.

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