2015 Ford Taurus Car Insurance Quotes

Feeling guilty for buying an underperforming, overpriced insurance policy? Don’t sweat it because you are not the only one feeling buyer’s remorse. Numerous insurers battle for your hard-earned dollar, so it can be very hard to choose a provider to discover the definitive best rate

It’s smart to get comparison quotes yearly because insurance prices go up and down regularly. Just because you had the best deal for Taurus insurance a couple years back a different company probably has better premium rates today. There are a lot of ways to save on insurance on the internet, but we’re going to give you some of the best techniques to put money back in your pocket.

How to get insurance price quotes

Getting a cheap price on 2015 Ford Taurus insurance is not rocket science. The only requirement is to spend a little time comparing rates to see which company has affordable insurance quotes. It is quite easy and can be accomplished by following the guidelines below.

The most efficient way to get quotes is an all-inclusive rate comparison like this one (opens in new window). This easy form prevents you from having to do multiple quote forms for every prospective company. One quote request will get you rate comparisons instantly.
A slightly less efficient method to compare prices is to take the time to go to each individual company website and go through the quote process again. For examples sake, let’s assume you want to view quotes from Auto-Owners, State Farm and GMAC. You would be required to go to every website and punch in your information repeatedly, which can be really labor intensive.
For a handy list of car insurance company links in your area, click here.

The approach you take is up to you, just compare apples-to-apples coverage data for each price quote. If you enter different liability limits it will be impossible to determine the best price for your Ford Taurus.

Find discounts to get cheap insurance coverage rates

The price of auto insurance can be rather high, but discounts can save money and there are some available that can help lower your rates. Many of these discounts will be applied automatically when you purchase, but some need to be specifically requested prior to getting the savings.

Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts of 20% or more.
ABS and Traction Control Discounts – Vehicles that have steering control and anti-lock brakes can avoid accidents and earn discounts up to 10%.
Seat Belt Usage – Forcing all vehicle occupants to use their safety belts could cut 10% or more on medical payment and PIP coverage.
Paper-free Discount – Some of the larger companies will give a small break get insurance over the internet.
Good Student Discount – Being a good student can earn a discount of 20% or more. Most companies allow this discount until age 25.
Pay Early and Save – By making one initial payment instead of making monthly payments you may have a lower total premium amount.

Discounts lower rates, but many deductions do not apply to the entire cost. A few only apply to individual premiums such as comprehensive or collision. So despite the fact that it appears all those discounts means the company will pay you, it doesn’t quite work that way. But all discounts will reduce your premiums.

Car insurance companies who might offer most of these discounts are:

If you are trying to find the cheapest insurance quotes, ask each insurance company the best way to save money. Some credits might not be offered in your area. To view insurers that provide some of the discounts listed above, click here.

Tailor your insurance coverage to you

When it comes to buying the best insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Every situation is different and your policy should reflect that. For example, these questions might help in determining whether your personal situation may require specific advice.

Do I need higher collision deductibles?
When should my teen driver be added to my policy?
Am I covered when pulling a rental trailer?
Can I rate high risk drivers on liability-only vehicles?
When should I buy a commercial auto policy?
Am I covered when using my vehicle for business?
Why do I need rental car insurance?
Do I have coverage when making deliveries for my home business?
Do I get a pro-rated refund if I cancel my policy early?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.

Ford Taurus insurance cost factors

Lots of factors are considered when quoting car insurance. Some are pretty understandable such as your driving history, but other criteria are more transparent like where you live or how safe your car is.

The items below are just a few of the factors companies use to determine your premiums.

More policies can equal more savings – Most larger insurance coverage companies give a discount to clients who carry more than one policy. It’s known as a multi-policy discount. The amount of the discounts can be anywhere from five to ten percent in most cases. Even though this discount sounds good, you still need to shop around to verify if the discount is saving money.
Lower miles equals lower premium – The more you drive your Ford each year the more you’ll pay to insure your vehicle. The majority of insurers charge rates partially by how you use the vehicle. Cars left parked in the garage qualify for better rates than those that get driven frequently. Having the wrong rating on your Taurus may be costing you higher rates. It’s a smart idea to ensure your declarations sheet reflects the right rating data, because it can save money.
Obey driving laws and save – Attentive drivers have lower premiums as compared to those with violations. Having a single speeding ticket may cause rates to rise by as much as thirty percent. People who have license-revoking citations like DUI, reckless driving or excessive speeding may need to prove financial responsibility with their state motor vehicle department in order to keep their license.
Married drivers get better prices – Having a significant other can actually save you money when shopping for insurance coverage. Having a significant other generally demonstrates drivers are more mature and responsible and it’s proven that married drivers get in fewer accidents.
More traffic equals higher costs – Being located in areas with lower population is a positive aspect when shopping for auto insurance. Fewer people translates into fewer accidents and a lower car theft rate. People in densly populated areas have to deal with traffic congestion and more time behind the wheel. More time commuting translates into higher accident risk.
Never allow your insurance coverage policy to lapse – Driving without insurance is a misdemeanor and companies may charge more for letting your insurance coverage expire. Not only will you pay more, being ticketed for driving with no insurance may earn you a fine, jail time, or a revoked license. Then you may be required to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.

Car insurance coverages for a Ford Taurus

Learning about specific coverages of insurance can help you determine the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring. These are the usual coverages found on most insurance policies.

Comprehensive coverage (or Other than Collision)

This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as a broken windshield, hitting a bird and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Auto collision coverage

Collision coverage covers damage to your Taurus from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things like sustaining damage from a pot hole, damaging your car on a curb and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also increase the deductible to bring the cost down.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for expenses for hospital visits, X-ray expenses, pain medications and funeral costs. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Liability coverage

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

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 100/300/100 that translate to $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims like repair bills for other people’s vehicles, pain and suffering, repair costs for stationary objects, medical services and emergency aid. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible.

Have the Midas touch

We’ve covered a lot of information how to shop for 2015 Ford Taurus insurance online. The most important thing to understand is the more rate quotes you have, the better your comparison will be. You may even discover the best car insurance rates are with the least-expected company. These companies may often insure only within specific states and give getter rates than their larger competitors like Allstate or State Farm.

When getting insurance quotes online, it’s a bad idea to skimp on critical coverages to save a buck or two. There have been many cases where an accident victim reduced physical damage coverage and discovered at claim time they didn’t have enough coverage. Your strategy should be to purchase plenty of coverage at the best price and still be able to protect your assets.

Some companies may not provide price quotes online and usually these smaller companies work with local independent agencies. Discount 2015 Ford Taurus insurance can be found both online in addition to many insurance agents, and you need to price shop both so you have a total pricing picture.