View 2009 Ford Taurus Car Insurance Quotes

Buyers have lots of choices when searching for affordable Ford Taurus insurance. You can either spend your time contacting agents getting price quotes or save time using the internet to get rate quotes. There are more efficient ways to buy car insurance so we’re going to tell you the quickest way to compare rates for a Ford and locate the lowest possible price from both online companies and local agents.

Buying car insurance is not rocket science. If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using this strategy. Vehicle owners only need an understanding of the tricks to compare company rates online.

Free insurance price quotes

All major insurance companies such as Progressive, Geico, Allstate and State Farm give price estimates on the web. Getting online rates is easy for anyone as you simply type in the coverage amounts you desire into a form. After you submit the form the system makes automated requests for credit information and your driving record and returns a price quote.

Online price estimates makes it easy to compare insurance prices but the work required to visit multiple sites and type in the same information is a big time waster. But it’s necessary to have as many quotes as possible if you want to get better prices.

The quickest way to locate the lowest prices makes use of a single form to obtain quotes from many companies. It’s a real time-saver, eliminates form submissions, and makes quoting online much more efficient. After sending your information, it is rated and you can choose any one of the price quotes you receive. If one or more price quotes are lower than your current rates, you simply finish the application and purchase coverage. This process takes less than 15 minutes and you will know how your current rates stack up.

If you want to find out how much you’re overpaying now, click here to open in a new tab and enter your information. To compare your current rates, we recommend you replicate coverages and limits just like they are on your policy. This helps ensure you will have rate comparison quotes for similar coverage.

Take advantage of every car insurance discount

Some companies don’t necessarily list the entire discount list in a way that’s easy to find, so the list below details some of the more common and the more hidden credits that you can use to lower your rates.

  • ABS and Traction Control Discounts – Vehicles with anti-lock braking systems are safer to drive so you can save 10 percent or more.
  • Anti-theft Discount – Anti-theft and alarm system equipped vehicles can help prevent theft and will qualify for a discount on a car insurance quote.
  • Waiver for an Accident – This isn’t a discount exactly, but some companies like Liberty Mutual, Allstate and State Farm will allow you to have one accident before hitting you with a surcharge if your claims history is clear before the accident.
  • Telematics Discount – Drivers who agree to allow driving data collection to study when and where they use their vehicle through the use of a telematics system like Allstate’s Drivewise could see a rate decrease if they exhibit good driving behavior.
  • Use Seat Belts – Buckling up and requiring all passengers to wear their seat belts can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
  • Senior Citizen Discount – If you qualify as a senior citizen, you may qualify for better car insurance rates on Taurus insurance.
  • Air Bag Discount – Options like air bags or automatic seat belts can qualify for discounts of more than 20%.

You can save money using discounts, but some of the credits will not apply the the whole policy. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. If you do the math and it seems like all those discounts means the company will pay you, that’s just not realistic.

To find providers with the best car insurance discounts, follow this link.

How to know if you need help

When it comes to buying coverage for your vehicles, there really is not a one size fits all plan. Everyone’s situation is unique.

These are some specific questions can aid in determining if you may require specific advice.

  • How does medical payments coverage work?
  • What is the ISO rating for a 2009 Ford Taurus?
  • How high should my medical payments coverage be?
  • How much underlying liability do I need for an umbrella policy?
  • Is business equipment covered while in my vehicle?
  • What is the minimum liability in my state?
  • Where can I find DUI or SR-22 insurance?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and can help protect your family.

How to lower your insurance costs

Lots of factors are used when pricing auto insurance. Some of the criteria are obvious like your driving record, but other criteria are less obvious like your vehicle usage or how financially stable you are.

The list below includes just a few of the factors utilized by car insurance companies to help set rates.

  • Your career may increase rates – Do you work in a high-stress field? Jobs such as lawyers, executives and emergency personnel have the highest rates because of stressful work requirements and long work days. On the flip side, occupations such as farmers, athletes and performers pay the least on Taurus insurance.
  • Extra coverages can add up – Insurance policies have a lot of extra bells and whistles that may not really be needed if you aren’t diligent. Coverages like coverage for rental cars, accident forgiveness, and extra life insurance coverage are examples of these. They may sound like good ideas when talking to your agent, but if they’re wasting money remove them from your policy.
  • Better credit means lower premiums – Having a good credit rating is a large factor in determining what you pay. If your credit could use some work, you could pay less to insure your 2009 Ford Taurus by improving your credit score. People with high credit scores tend to be more responsible than those with lower ratings.
  • Bundle and save – Most larger companies apply a discount to clients who buy several policies from them, otherwise known as a multi-policy discount. Even if you already get this discount, it’s always a smart idea to comparison shop to guarantee you are still saving the most. It’s possible to still find lower rates even if you have your coverage with different companies
  • Commute or pleasure use – The higher the miles on your Ford each year the more you’ll pay to insure it. The majority of insurers calculate prices determined by how the vehicle is used. Vehicles that sit idle most of the time can be on a lower rate level than vehicles that are driven to work every day. An incorrectly rated Taurus may be costing you higher rates. It’s always a good idea to double check that your insurance coverage shows the correct driver usage.
  • GPS tracking and theft deterrents lower prices – Selecting a car model with an alarm system can help lower your rates. Anti-theft features like OnStar, LoJack tracking, and tamper alarms can help prevent auto theft and help lower rates.
  • Car insurance liability limits – A critical coverage on your policy, liability insurance will protect you if ever you are determined to be liable for an accident. Liability provides you with a defense in court to attempt to prove you were not liable. Liability insurance is quite affordable compared to other policy coverages, so insureds should have plenty of protection for their assets.

Buyer beware of car insurance advertising tricks

Drivers constantly see and hear ads that claim the cheapest auto insurance rates from companies such as Progressive, Geico, Allstate and State Farm. They all seem to tend to make the same promise that drivers will save a bundle after switching to their company.

How does every car insurance company offer you a better deal? This is the way they can do it.

Companies have underwriting criteria for the type of driver that earns them the most money. For instance, a driver they prefer might be described as between the ages of 30 and 50, has no prior claims, and drives a vehicle with a low ISO rating. Any customer that meets those criteria will most likely get cheap premium rates and as a result will probably save a lot of money.

Consumers who do not meet these standards will be charged a higher premium which results in the customer not purchasing. If you pay attention, the ads say “customers who switch” but not “everyone who gets a quote” save that much money. That’s the way companies can truthfully lure you into getting a quote. Because every company is different, you need to get as many free car insurance quotes as possible. It’s just too difficult to predict with any certainty which company will have better prices than you’re paying now.

Car insurance coverage information

Having a good grasp of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive (Other than Collision)

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like hitting a deer, rock chips in glass, a broken windshield, damage from flooding and vandalism. The maximum amount you’ll receive from a claim 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.

Collision protection

This coverage pays for damage to your Taurus resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things like hitting a parking meter, damaging your car on a curb, crashing into a building and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Medical expense insurance

Med pay and PIP coverage provide coverage for bills for ambulance fees, prosthetic devices, dental work and rehabilitation expenses. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Liability coverages

This coverage provides protection from damage that occurs to people or other property by causing an accident. It protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things like loss of income, repair costs for stationary objects, medical expenses, repair bills for other people’s vehicles and court costs. How much liability should you purchase? That is your choice, but buy as much as you can afford.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

What is YOUR best insurance company?

Low-cost 2009 Ford Taurus insurance can be sourced on the web and also from your neighborhood agents, so you should be comparing quotes from both to have the best selection. Some companies don’t offer online quoting and usually these small, regional companies provide coverage only through independent agents.

You just learned a lot of techniques to compare 2009 Ford Taurus insurance premium rates online. The most important thing to understand is the more companies you get prices for, the better likelihood of getting inexpensive car insurance. You may be surprised to find that the best premium rates are with some of the lesser-known companies.

Insureds change insurance companies for many reasons like policy non-renewal, unfair underwriting practices, policy cancellation and being labeled a high risk driver. Whatever your reason, finding the right insurance coverage provider is not as hard as you think.

Additional insurance coverage information is available on the following sites: