2014 Ford Taurus Insurance Cost

Want the cheapest insurance coverage rates? Drivers have lots of choices when trying to find affordable Ford Taurus insurance. They can either waste time calling around to compare prices or save time using the internet to make rate comparisons. There is a right way and a wrong way to find insurance coverage online and you need to know the proper way to price shop coverage for a new or used Ford and locate the best price possible.

You should take the time to shop coverage around before your next renewal because rates are usually higher with each renewal. Just because you had the best rate on Taurus insurance a year ago you can probably find a better price now. Block out anything you think you know about insurance coverage because it’s time to teach you one of the best ways to remove unneeded coverages and save money.

First Step: Get free auto insurance quotes

All the larger auto insurance companies allow consumers to get coverage prices direct online. Comparing prices online is easy for anyone because you just enter as detailed in the form. Upon sending the form, the quote system sends out for credit information and your driving record and generates pricing information.

Quoting online makes it simple to compare prices but having to visit each company’s website and repetitively type in the same information can be a bit tiresome and repetitive. But it is imperative to do this if you want to get the best price possible.

A less time-consuming method to compare rates uses one simple form that gets prices from more than one company. It saves time, eliminates form submissions, and makes online price comparison a little more enjoyable. Immediately after submitting the form, it is quoted with multiple companies and you can pick any of the returned quotes. If you find a better price it’s easy to complete the application and buy the policy. It only takes a few minutes and you’ll know if lower rates are available.

In order to compare rates using this form now, click here to open in new window and input your coverage information. If you have your current policy handy, we recommend you copy coverages and limits identical to your current policy. Doing this assures you will get an apples-to-apples comparison based on the exact same insurance coverage.

Your insurance coverage should be tailored to you

When buying the right insurance coverage, there really is no single plan that fits everyone. Everyone’s situation is a little different.

Here are some questions about coverages that might help in determining whether or not you will benefit from professional help.

  • Does coverage extend to Mexico or Canada?
  • When can my company non-renew my policy?
  • I have a DUI can I still get coverage?
  • Do I have coverage when making deliveries for my home business?
  • Where can I find DUI or SR-22 insurance?
  • Should I buy additional glass protection?
  • Do I have any recourse if my insurance company denies a claim?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an agent. To find an agent in your area, fill out this quick form. It is quick, free and can help protect your family.

Insurance coverage considerations

Understanding the coverages of your insurance policy aids in choosing which coverages you need for your vehicles. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Collision insurance

This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as sustaining damage from a pot hole, crashing into a ditch and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible to bring the cost down.

Comprehensive insurance

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

Comprehensive can pay for things such as rock chips in glass, a broken windshield and hail damage. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for bills such as hospital visits, X-ray expenses, funeral costs and prosthetic devices. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover you and your occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Ford Taurus.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Liability insurance

This can cover damage that occurs to people or other property that is your fault. It protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims such as pain and suffering, court costs and repair bills for other people’s vehicles. How much coverage you buy is your choice, but you should buy as much as you can afford.