2016 Ford Taurus Insurance Quotes – 9 Policy Discounts

Searching for cheaper insurance rates for your Ford Taurus? No one in their right mind looks forward to paying for insurance, in particular when they could find better prices if they shop around. Insurance companies such as State Farm, Allstate, Geico and Progressive all promote huge savings with fancy advertisements and it is difficult to sift through the bull and do the work needed to find the best deal.

If you have a policy now or are just looking to switch companies, you can use these tips to find the best rates while maintaining coverages. Choosing the best insurance company for you is not that difficult. Drivers just need to understand the most effective way to shop their coverage around over the internet.

Finding insurance coverage

Most major insurance companies allow you to get coverage prices from their websites. The process doesn’t take much effort as you just enter the amount of coverage you want into a form. When complete, the company’s rating system collects information on your driving record and credit history and returns a price quote based on many factors. Online price quotes makes it a lot easier to compare rates but the time required to go to many different websites and type in the same information is monotonous and tiresome. But it is imperative to have as many quotes as possible if you are searching for lower prices.

Rate comparisons made easy

The quickest way to compare rates makes use of a single form to obtain quotes from multiple companies. The form is fast, eliminates form submissions, and makes rate comparisons much easier. As soon as you send your information, it is quoted with multiple companies and you can pick your choice of the quote results.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase the new policy. This process only takes a few minutes and you will find out if you’re overpaying now.

To save time and use this form to compare rates, click here to open in a new tab and submit your coverage information. If you have a policy now, it’s recommended you replicate the limits and deductibles identical to your current policy. This guarantees you’re receiving a price comparison using the same coverage and limits.

Cut your auto insurance rates with these nine discounts

Car insurance can cost a lot, but there are discounts available to help bring down the price. Most are applied when you complete an application, but a few must be requested specifically before you get the savings.

  • Discount for Life Insurance – Some insurance companies give a discount if you purchase some life insurance too.
  • ABS Brakes – Cars and trucks that have steering control and anti-lock brakes are much safer to drive so companies give up to a 10% discount.
  • Drive Safe and Save – Drivers without accidents could pay up to 40% less on Taurus coverage than their less cautious counterparts.
  • Government Employee Discount – Federal government employees could cut as much as 10% off on Taurus coverage with a few auto insurance companies.
  • Active Military Service – Having an actively deployed family member could mean lower premium rates.
  • Drivers Education – Require your teen driver to enroll and complete driver’s education as it can save substantially.
  • Discounts for Multiple Vehicles – Insuring more than one vehicle on the same auto insurance policy can reduce rates for all insured vehicles.
  • Good Students Pay Less – Performing well in school can save 20 to 25%. The discount lasts well after school through age 25.
  • Bundled Policy Discount – When you combine your auto and homeowners insurance with one insurance company you may save at least 10 to 15 percent or more.

It’s important to understand that most credits do not apply to all coverage premiums. Most only apply to specific coverage prices like comprehensive or collision. Despite the appearance that adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

Some of the insurance companies that may offer some of the discounts shown above are:

If you are trying to find cheap insurance quotes, ask every prospective company which discounts you may be entitled to. All car insurance discounts may not be offered in your state.

You are unique and your auto insurance should be too

When buying adequate coverage, there really is no one size fits all plan. Every insured’s situation is different so your insurance needs to address that. For instance, these questions might help in determining if your insurance needs might need an agent’s assistance.

  • What is UM/UIM insurance?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Am I covered by my spouse’s policy after a separation?
  • Does insurance cover tools stolen from my truck?
  • Should I waive the damage coverage when renting a car?
  • Does my personal policy cover me when driving out-of-state?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Are you falling for claims of savings?

Consumers can’t get away from ads for insurance savings from the likes of Allstate, Geico and Progressive. All the companies try to convey promises about saving some big amount if you change your coverage.

How does each company charge you less for car insurance? Just pay attention to how they say it.

Different companies have underwriting criteria for the type of insured that earns them the most money. One example of a driver they prefer might be described as a female over age 40, is a homeowner, and drives a safe vehicle. A propective insured who matches that profile will get low rates and is almost guaranteed to save when they switch companies.

Consumers who may not quite match these standards will have to pay a higher premium which leads to the prospect going elsewhere. The wording the ads use say “drivers that switch” not “everybody who quotes” save that much. This is how insurance companies can confidently state the savings.

That is why you should get as many free insurance quotes as possible. It’s impossible to know the company that will give you lower rates than your current company.

Specific coverages for a Ford Taurus

Having a good grasp of your insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. These are the usual coverages offered by insurance companies.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses such as chiropractic care, ambulance fees, funeral costs and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers you and your occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Collision – Collision insurance covers damage to your Taurus caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like colliding with a tree, colliding with another moving vehicle, hitting a parking meter, rolling your car and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers – This protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally these limits are set the same as your liablity limits.

Comprehensive (Other than Collision) – This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, rock chips in glass, theft, vandalism and damage from a tornado or hurricane. The maximum payout a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Auto liability – Liability coverage can cover damages or injuries you inflict on people or other property that is your fault. 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. As an example, you may have policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims like attorney fees, repair bills for other people’s vehicles and bail bonds. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Save your hard earned cash

As you prepare to switch companies, make sure you don’t reduce coverage to reduce premium. There have been many cases where an insured cut liability coverage limits and learned later that their decision to reduce coverage ended up costing them more. Your objective should be to buy enough coverage at the best price, but don’t skip important coverages to save money.

The cheapest 2016 Ford Taurus insurance is attainable both online and from local agencies, so you need to shop insurance with both to have the best rate selection. A few companies may not have price quotes online and many times these regional insurance providers provide coverage only through independent agents.

We’ve covered many ways to save on 2016 Ford Taurus insurance. It’s most important to understand that the more price quotes you have, the better your comparison will be. You may even discover the lowest car insurance rates are with the smaller companies. These companies often have lower premium rates on specific markets than their larger competitors like Allstate and Progressive.

Even more information is located by following these links: