Cheap 2004 Ford Taurus Insurance Rates

Searching for better car insurance rates for your Ford Taurus? Locating better insurance prices for your Ford Taurus can be difficult, but you can follow the following methods and make it easy. There is a right way and a wrong way to find car insurance online so you’re going to learn the proper way to get price quotes on a Ford and find the cheapest rates.

If you have a policy now or are shopping for new coverage, you can use this information to get lower rates while maximizing coverage. Pricing the lowest cost protection is simple if you know the tricks. Vehicle owners only need an understanding of the most effective way to shop on the web.

Compare car insurance price quotes online

Effectively comparing car insurance prices can take hours if you don’t understand the best way to get rate quotes. You could spend the better part of a day talking to insurance agencies in your area, or you can utilize online quotes to get rate comparisons in just a few minutes.

Most of the best insurance companies enroll in a system where prospective buyers enter their policy data once, and every company returns a competitive quote based on the submitted data. This prevents consumers from doing repetitive form submissions to each individual car insurance company.

To find out what other companies charge click here (opens in new window).

The one disadvantage to doing it this way is that you can’t choose which insurance companies you will receive quotes from. So if you prefer to choose individual companies to compare prices, we have a listing of companies who write car insurance in your area. Click here for list of insurance companies.

Which method you use is up to you, but do your best to enter identical coverage data for each comparison quote. If you use different limits and deductibles on each one you will not be able to determine the lowest rate for your Ford Taurus.

Insurance Coverage Discounts

Some insurance providers don’t always publicize every discount in an easy-to-find place, so the below list has both well-publicized as well as some of the hidden discounts that you may qualify for.

  • Good Student Discount – Maintaining excellent grades can get you a discount of up to 25%. The discount lasts up until you turn 25.
  • Discounts for Safe Drivers – Insureds without accidents may save up to 50% more on Taurus coverage as compared to drivers with claims.
  • Multiple Policy Discount – If you insure your home and vehicles with one insurance company you may save up to 20% off your total premium.
  • Multi-line Discount – Companies who offer life insurance give a discounted insurance coverage rate on car insurance if you buy life insurance.
  • Telematics Discount – Drivers that enable companies to monitor their driving habits through the use of a telematics system such as Drivewise from Allstate or Snapshot from Progressive may get a rate reduction if their driving habits are good.
  • Pay Upfront and Save – If paying your policy premium upfront rather than paying in monthly installments you can actually save on your bill.
  • Active Military Service – Having a deployed family member can result in better prices.
  • Membership in Organizations – Joining qualifying clubs or civic groups could trigger savings on your next renewal.
  • Safety Course Discount – Successfully completing a course teaching safe driver skills could earn you a small percentage discount and easily recoup the cost of the course.

Don’t be surprised that some of the credits will not apply to all coverage premiums. Some only apply to the cost of specific coverages such as comp or med pay. Just because you may think adding up those discounts means a free policy, it just doesn’t work that way.

Auto insurance companies that possibly offer some of the discounts shown above include:

If you want cheap insurance coverage quotes, ask each company which discounts can lower your rates. Savings might not be available to policyholders in your area. To locate insurance companies with significant discounts, click this link.

Tailor your insurance coverage coverage to you

When it comes to choosing the best insurance coverage coverage for your personal vehicles, there is no single plan that fits everyone. Everyone’s needs are different.

For example, these questions could help you determine if your insurance needs may require specific advice.

  • Can I rent a car in Mexico?
  • What is the rate difference between pleasure use and commuting?
  • Am I covered when driving a rental car?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Does my policy cover my teen driver if they drive my company car?
  • What can I do if my company won’t pay a claim?
  • Am I missing any policy discounts?
  • How much can I save by bundling my policies?
  • Does my policy pay for OEM or aftermarket parts?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and you can get the answers you need.

Car insurance policy coverages for a Ford Taurus

Having a good grasp of your policy aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Collision – Collision coverage pays for damage to your Taurus resulting from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as colliding with a tree, crashing into a ditch, colliding with another moving vehicle and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Liability insurance – This can cover damage or injury you incur to other people or property. It protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability can pay for claims such as medical services, loss of income and medical expenses. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.

Uninsured/Underinsured Motorist coverage – This coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Comprehensive coverage – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like fire damage, a broken windshield, rock chips in glass and damage from flooding. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP – Med pay and PIP coverage provide coverage for short-term medical expenses for nursing services, prosthetic devices and chiropractic care. They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage