View 2011 Ford Taurus Insurance Rates

Finding low-cost insurance for a Ford Taurus can turn out to be a painful process, but you can learn a few tricks to save time. There are both good and bad ways to shop for auto insurance and we’ll show you the absolute fastest way to compare rates for a new or used Ford and obtain the lowest possible price either online or from local insurance agents.

Consumers need to quote other rates yearly since insurance prices change regularly. If you had the lowest price on Taurus coverage a couple years back other companies may now be cheaper. Forget all the misinformation about auto insurance because you’re about to learn the quickest way to save money, get proper deductibles and limits, all at the lowest rate.

Buying car insurance is quite easy. If you have a current car insurance policy or need a new policy, you can use these tips to cut your premiums and possibly find even better coverage. Drivers just need to understand the most effective way to find the lowest price online.

Insurance coverage policy discounts you can’t miss

Insurance coverage is not cheap nor is it fun to buy but you might find some hidden discounts that can help lower your rates. Some trigger automatically when you get a quote, but some discounts are required to be asked about prior to getting the savings.

  • Lower Rates for Military – Being deployed in the military could be rewarded with lower premium rates.
  • Homeowners Discount – Owning a home can save a few bucks since owning and maintaining a home is proof of financial responsibility.
  • Fewer Miles Equal More Savings – Driving fewer miles could earn slightly better premium rates than normal.
  • Early Payment Discounts – If paying your policy premium upfront rather than paying monthly you can avoid the installment charge.
  • Waiver for an Accident – but certain companies will forgive one accident before hitting you with a surcharge so long as you haven’t had any claims for a particular time prior to the accident.

Just know that most discount credits are not given to the entire cost. Some only reduce the price of certain insurance coverages like comprehensive or collision. Just because it seems like you would end up receiving a 100% discount, that’s just not realistic.

The best insurance coverage companies and the discounts they provide are outlined below.

  • Geico offers premium reductions for membership and employees, daytime running lights, air bags, military active duty, emergency military deployment, and driver training.
  • Travelers may offer discounts for multi-car, continuous insurance, new car, IntelliDrive, early quote, and payment discounts.
  • Farm Bureau may have discounts that include multi-policy, safe driver, 55 and retired, renewal discount, and youthful driver.
  • Liberty Mutual includes discounts for multi-policy, exclusive group savings, safety features, new graduate, new vehicle discount, good student, and preferred payment discount.
  • American Family offers discounts for air bags, bundled insurance, accident-free, TimeAway discount, good student, and mySafetyValet.
  • Progressive may include discounts for multi-policy, homeowner, good student, online quote discount, online signing, and continuous coverage.

Before buying, ask every prospective company the best way to save money. Savings might not apply in your state. To choose companies that have a full spectrum of discounts, click here to view.

Ford Taurus insurance rates can be cheaper

Part of the insurance buying process is learning a few of the rating criteria that play a part in calculating insurance rates. If you know what determines premiums, this enables informed choices that will entitle you to lower insurance prices.

The items below are some of the things companies use to determine your premiums.

  • Increase comp and collision deductibles to save – Coverage for physical damage, aka comp and collision, protects your Ford from damage. Some examples of claims that would be covered are a broken side mirror, collision with an animal, and damage caused by flying debris. The deductibles are the amount of money you are willing to pay if a covered claim is submitted. The more of the claim you choose to pay out-of-pocket, the less your insurance will be on Taurus coverage.
  • Multiple policies with one company can save – Some insurance companies apply lower prices to clients who buy several policies from them, otherwise known as a multi-policy discount. The amount of the discounts can be ten percent or more. Even if you’re getting this discount you may still want to shop around to guarantee you are still saving the most.
  • When should you not file a policy claims? – Car insurance companies generally give better rates to drivers who only file infrequent claims. If you tend to file frequent claims, you can expect either higher rates or even cancellation. Insurance coverage is intended for larger claims.
  • Only buy incidental coverages you need – There are quite a few extra add-on coverages that may not really be needed on your insurance policy. Coverage for things like vanishing deductibles, death and dismemberment, and extra life insurance coverage are examples of these. These coverages may sound good when deciding what coverages you need, but if you don’t need them get rid of them and save.
  • Safer the car lower the rate – Cars with five star safety ratings are cheaper to insure. Safer cars help reduce the chance of injuries in an accident and reduced instances of injuries means less money paid by your insurance company and cheaper rates on your policy. If your Ford Taurus is rated at a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
  • Annual miles is a factor – The more miles you rack up on your Ford each year the more it will cost to insure it. A lot of insurance companies calculate rates based on how the vehicle is used. Cars and trucks that sit idle most of the time receive lower rates than those used for commuting. An incorrectly rated Taurus may be costing you. Ask your agent if your declarations sheet shows the correct driver usage.
  • With age comes responsibility – Inexperience drivers are known to be careless and easily distracted when driving with friends so they pay higher insurance rates. More mature drivers are more responsible, cause fewer claims and accidents and get fewer tickets.
  • Responsible drivers pay better rates – Whether or not you get tickets has a lot to do with how much you pay for insurance. Just one ticket can increase rates by as much as thirty percent. Drivers who don’t get tickets pay less for auto insurance than people who have multiple driving citations. Drivers with license-revoking tickets like DWI, reckless driving or hit and run convictions may need to file a proof of financial responsibility form (SR-22) with their state’s licensing department in order to keep their license.

Insurance agents can help

When choosing the best insurance coverage coverage for your vehicles, there really is no single plan that fits everyone. Every situation is different.

These are some specific questions can aid in determining whether or not you might need an agent’s assistance.

  • Is my trailer covered?
  • Can I make deliveries for my home business?
  • Does having multiple vehicles earn me a discount?
  • Is my 2011 Ford Taurus covered for smoke damage?
  • Does my 2011 Ford Taurus need full coverage?
  • When should I drop full coverage on my 2011 Ford Taurus?
  • Do I benefit by insuring my home with the same company?
  • Is a blown tire covered by insurance?
  • When do I need to add a new car to my policy?
  • Are my tools covered if they get stolen from my vehicle?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and can help protect your family.

Car insurance coverages explained

Knowing the specifics of your car insurance policy can help you determine the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and nobody wants to actually read their policy.

UM/UIM Coverage

Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Ford Taurus.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Collision coverage protection

This coverage will pay to fix damage to your Taurus resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things like scraping a guard rail, hitting a mailbox, crashing into a building and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as rock chips in glass, damage from a tornado or hurricane and fire damage. The maximum amount your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability auto insurance

This can cover damage or injury you incur to people or other property by causing an accident. It protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things like medical expenses, emergency aid, pain and suffering, repair costs for stationary objects and court costs. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.

Medical costs insurance

Med pay and PIP coverage pay for expenses like X-ray expenses, EMT expenses, surgery, rehabilitation expenses and prosthetic devices. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. They cover all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Get your money’s worth

In this article, we presented many ways to compare 2011 Ford Taurus insurance prices online. The most important thing to understand is the more times you quote, the higher the chance of saving money. Drivers may discover the lowest prices come from some of the smallest insurance companies.

Consumers change insurance companies for many reasons like delays in paying claims, high prices, lack of trust in their agent or extreme rates for teen drivers. It doesn’t matter why you want to switch finding the right insurance provider is easier than you think.

As you restructure your insurance plan, it’s very important that you do not buy less coverage just to save a little money. In many cases, someone sacrificed physical damage coverage only to regret at claim time that the small savings ended up costing them much more. The aim is to buy a smart amount of coverage at an affordable rate, but do not sacrifice coverage to save money.

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