Compare 2008 Ford Taurus X Insurance Quotes

Searching for the cheapest auto insurance rates for your Ford Taurus X? Sick and tired of sacrificing to keep your car insured? You’re in the same situation as millions of other people.

Many insurance companies compete for your hard-earned dollar, so it’s not easy to compare every insurer and uncover the absolute lowest price

If you currently have car insurance, you will most likely be able to cut costs considerably using this information. Buying car insurance is quite easy. Nevertheless, car owners can benefit by having an understanding of the way insurance companies price insurance differently.

These discounts can lower your insurance rates

Some providers don’t always list all disounts very well, so the list below gives a summary of both well-publicized and the harder-to-find insurance savings. If you aren’t receiving every discount possible, you are just wasting money.

  • Government Employee Discount – Simply working for the federal government could cut as much as 10% off on Taurus X insurance with certain companies.
  • Theft Prevention System – Vehicles that have factory alarm systems and tracking devices can help prevent theft and qualify for as much as a 10% discount.
  • Distant College Student Discount – Youth drivers living away from home attending college and leave their car at home could get you a discount.
  • Low Mileage Discounts – Driving fewer miles can earn substantially lower rates.
  • Defensive Driver Discounts – Completing a class that teaches driver safety techniques could cut 5% off your bill if your company offers it.

A little note about advertised discounts, some of the credits will not apply to the overall cost of the policy. Some only reduce individual premiums such as physical damage coverage or medical payments. So when it seems like it’s possible to get free car insurance, it doesn’t quite work that way.

To see a list of insurers who offer cheap insurance quotes, click this link.

Insurance rates are influenced by these factors

It’s important that you understand some of the elements that go into determining the level of your policy premiums. If you have a feel for what influences your rates, this empowers consumers to make smart changes that may result in better car insurance rates. Many things are used in the calculation when premium rates are determined. Some are obvious such as traffic violations, but other criteria are more transparent like your continuous coverage or your financial responsibility.

  • GPS tracking and theft deterrents lower prices – Owning a car with a theft deterrent system can get you a discount on your car insurance. Anti-theft features like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help prevent auto theft and help lower rates.
  • Careless driving means higher costs – Having just one moving violation may cause rates to rise forty percent or more. Attentive drivers get better rates than their less careful counterparts. Drivers unfortunate enough to have multiple citations like reckless driving, hit and run or driving under the influence might be required by their state to maintain a SR-22 with the DMV in their state in order to legally drive.
  • Liability coverage limits on your policy – Liability coverage will protect you when you are ruled to be at fault for causing damage or personal injury in an accident. Liability insurance provides legal defense coverage which can cost a lot. It is affordable coverage compared to insuring for physical damage coverage, so do not skimp.
  • Never allow your car insurance policy to lapse – Not having insurance is a misdemeanor and companies may charge more for letting your coverage have a gap. Not only will you pay higher rates, getting caught without coverage could result in fines and jail time.
  • Where you live – Being located in small towns and rural areas can save you money when buying car insurance. Fewer drivers translates into fewer accidents in addition to fewer liability claims. Drivers in populated areas have more auto accidents and longer commute times. More time on the road statistically corresponds to a higher accident and claim rate.
  • High credit saves on car insurance – Having a bad credit score is a big factor in your rate calculation. If your credit history leaves room for improvement, you may save money insuring your 2008 Ford Taurus X by taking the time to improve your credit score. Insureds with very good credit scores tend to file fewer claims and have better driving records than those with poor credit.
  • An active car insurance claims history can increase rates – Auto insurance companies give better rates to drivers who do not rely on their insurance for small claims. If you are the type of insured that files lots of claims you can look forward to much higher rates or policy non-renewal. Your insurance policy is intended to be relied upon for the large, substantial claims.
  • Additional coverages that may be costing you – There are many additional extra coverages that can add up if you aren’t careful. Coverages for rental car reimbursement, better glass coverage, and extra equipment coverage may be costing you every month. They may seem like a good idea when you first buy your policy, but if you don’t need them think about removing them and cutting costs.

Different people need different insurance coverage coverages

When choosing coverage for your personal vehicles, there really is no perfect coverage plan. Your needs are not the same as everyone else’s so your insurance needs to address that. For example, these questions may help highlight whether or not you may require specific advice.

  • Does having multiple vehicles earn me a discount?
  • What is no-fault insurance?
  • Are my friends covered when driving my car?
  • Are split liability limits better than a combined single limit?
  • Will my rates increase for filing one claim?
  • When would I need rental car insurance?
  • Am I covered if I wreck a rental car?
  • Can I rate high risk drivers on liability-only vehicles?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.

Parts of your insurance policy

Learning about specific coverages of a insurance policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and nobody wants to actually read their policy. These are the usual coverages offered by insurance companies.

Auto liability – Liability coverage protects you from injuries or damage you cause to a person or their property in an accident. It protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

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. Your policy might show liability limits of 50/100/50 which means a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things like structural damage, attorney fees and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive (Other than Collision) – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, vandalism, damage from getting keyed and damage from flooding. The maximum amount 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 it’s probably time to drop comprehensive insurance.

Medical expense insurance – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like surgery, EMT expenses and prosthetic devices. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Collision – This pays for damage to your Taurus X resulting from a collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like backing into a parked car, sideswiping another vehicle, hitting a mailbox and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Ford Taurus X.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

More effort can pay off

Cheaper car insurance can be bought from both online companies and from local agencies, and you need to comparison shop both so you have a total pricing picture. A few companies don’t offer the ability to get quotes online and most of the time these smaller providers sell through local independent agencies.

You just read some good ideas how you can lower your 2008 Ford Taurus X insurance prices. The key concept to understand is the more you quote car insurance, the better your chances of lowering your rates. You may be surprised to find that the best prices are with a company that doesn’t do a lot of advertising. Smaller companies often have lower rates on specific markets compared to the large companies like Allstate or State Farm.

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