2017 Ford Taurus Insurance Rates

Searching for better insurance coverage rates? Consumers have many options when looking for affordable Ford Taurus insurance. They can either waste time calling around to get rate comparisons or utilize the internet to make rate comparisons.

There is a better way to shop for insurance coverage so you’re going to learn the proper way to get price quotes for a new or used Ford and obtain the best price possible from local insurance agents and online providers.

Smart consumers take time to shop coverage around on a regular basis because insurance coverage rates are constantly changing. Even if you think you had the best deal for Taurus insurance on your last policy the chances are good that you can find a lower price today. You’ll find quite a bit of inaccurate information about insurance coverage online, but I’m going to show you some great ways to buy insurance coverage cheaper.

If you have a current insurance policy or need new coverage, you will benefit by learning to reduce the price you pay and possibly find even better coverage. The purpose of this post is to let you in on how to get online quotes and some money-saving tips. Consumers just need to understand the proper methods to compare price quotes online.

How to buy auto insurance online

There are a variety of methods to compare auto insurance prices and some are more efficient than others. You can spend countless hours talking about coverages with agents in your area, or you could use the web to quickly compare rates.

Many popular insurance companies enroll in a system that allows shoppers to complete one form, and each company can provide price quotes determined by their information. This system prevents you from having to do repetitive form submissions for each company you want a rate for.

To enter your information into the quoting system, click to open in new window.

The only downside to using this type of form is that you can’t choose which carriers you will receive quotes from. If you would rather choose specific insurance companies to compare rates, we have a listing of auto insurance companies in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but be certain you are entering equivalent coverage information for each comparison quote. If you enter different values for each quote you can’t possibly determine the best price for your Ford Taurus.

Insurance Coverage Discounts

Insurance coverage is neither fun to buy or cheap, but there could be significant discounts that can drop the cost substantially. Larger premium reductions will be automatically applied when you purchase, but some need to be asked for before you will receive the discount.

  • Employee of Federal Government – Being employed by or retired from a federal job can save as much as 8% for Taurus insurance with some insurance coverage companies.
  • Seat Belt Usage – Drivers who require all vehicle occupants to wear their seat belts can save a little off the PIP or medical payment premium.
  • Cautious Driver Discount – Accident-free drivers may receive a discount up to 45% for Taurus insurance than their less cautious counterparts.
  • Military Deployment Discount – Being deployed with a military unit could trigger a small discount.
  • 55 and Retired – Drivers over the age of 55 can possibly qualify for reduced rates for Taurus insurance.
  • Claim-Free Discount – Insureds with no claims or accidents pay much less as opposed to drivers with a long claim history.
  • ABS Braking Discount – Vehicles equipped with ABS or steering control can reduce accidents and therefore earn up to a 10% discount.

You can save money using discounts, but some of the credits will not apply to the overall cost of the policy. Most only cut individual premiums such as liability, collision or medical payments. So when the math indicates all those discounts means the company will pay you, companies don’t profit that way.

Some of the insurance companies that may offer quotes with most of these discounts include:

When quoting, ask each insurance company the best way to save money. Discounts might not be available to policyholders in your area. To view insurers that offer many of these discounts, follow this link.

Tailor your car insurance coverage to you

When it comes to choosing coverage, there really is not a “best” method to buy coverage. Each situation is unique.

Here are some questions about coverages that might point out if your situation could use an agent’s help.

  • Should I have a commercial auto policy?
  • Does having multiple vehicles earn me a discount?
  • Do I benefit by insuring my home with the same company?
  • Should I buy more coverage than the required minimum liability coverage?
  • When can my company non-renew my policy?
  • Does medical payments coverage apply to all occupants?
  • If I drive on a suspended license am I covered?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and you can get the answers you need.

Informed decisions result in lower insurance rates

A large part of saving on insurance is knowing some of the elements that help determine your insurance rates. When consumers understand what impacts premium levels, this enables you to make decisions that can help you get big savings.

  • A linsurance lapse is a bad thing – Having a gap between insurance policy dates can be a quick way to increase your rates. Not only will you pay more, getting caught without coverage could result in a fine, jail time, or a revoked license. You may then be required to provide proof of insurance in the form of an SR-22 filing with your state DMV.
  • Too many insurance claims will drive rates up – If you frequently file small claims, you shouldn’t be surprised to get either higher rates or even cancellation. Companies provide cheaper rates to people who are not frequent claim filers. Auto insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Liability preserves assets – Liability insurance kicks in when a jury decides you are liable for causing damage or personal injury in an accident. Liability provides you with a defense in court which can be incredibly expensive. Liability insurance is pretty cheap compared to comp and collision, so buy as much as you can afford.
  • Single vs. married – Getting married can actually save you money when buying insurance. Having a spouse may mean you are more financially stable it has been statistically shown that married drivers tend to have fewer serious accidents.
  • Safety first – Cars with five star safety ratings tend to have better insurance rates. Safe vehicles reduce occupant injuries and better occupant protection means less claims paid and cheaper rates on your policy.
  • Adjust comp and collision deductibles and save – Physical damage insurance, also called comprehensive and collision insurance, covers damage that occurs to your Ford. Some instances where coverage would apply would be running into the backend of another car, collision with an animal, or theft. Comprehensive and collision coverage deductibles are how much you are willing to pay if the claim is covered. The more damage repair cost you pay before a claim is paid (deductible), the less your company will charge you for insurance for Taurus insurance.
  • Do thieves like your car? – Choosing to buy a car with advanced anti-theft systems can help lower your rates. Theft deterrent systems like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system help track and prevent auto theft and help lower rates.

Tricks in car insurance advertising

Drivers can’t get away from all the ads for the lowest price car insurance from the likes of Progressive, Allstate and Geico. All the companies make the point that people will save if you move to them.

Is it even possible that every company can offer drivers better rates? It’s all in the numbers.

All companies have a preferred profile for the type of driver that earns them a profit. For example, a profitable risk profile might have to be between the ages of 30 and 50, has a clear driving record, and drives less than 7,500 miles a year. Any customer who meets those qualifications will get the preferred prices and will also save a lot if they switch.

Consumers who fall short of the ideal profile will be quoted higher prices and this results in business going elsewhere. The trick companies use is to say “drivers that switch” but not “everyone who gets a quote” save money. That’s why companies can make it sound like they have such great prices.

This really drives home the point why you should compare many company’s prices. It’s just too difficult to predict with any certainty which company will be your best fit.

Car insurance coverage options for a Ford Taurus

Knowing the specifics of a car insurance policy can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Liability car insurance – Liability insurance will cover damage that occurs to other people or property by causing an accident. It protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Occasionally you may see a combined limit which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as medical services, pain and suffering and attorney fees. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

Collision coverages – This covers damage to your Taurus resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as sustaining damage from a pot hole, damaging your car on a curb, driving through your garage door, colliding with another moving vehicle and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.

Comprehensive coverages – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like hitting a bird, theft, damage from getting keyed and damage from flooding. The most a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Ford Taurus.

Since many drivers only carry the minimum required liability limits, 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. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like nursing services, X-ray expenses, rehabilitation expenses, doctor visits and hospital visits. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Be a penny pincher

Lower-priced 2017 Ford Taurus insurance is possible online in addition to many insurance agents, and you need to comparison shop both to have the best rate selection. A few companies do not provide the ability to get a quote online and usually these regional carriers sell through local independent agencies.

Throughout this article, we presented many ways to reduce 2017 Ford Taurus insurance prices online. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. You may even discover the most savings is with the least-expected company.

When buying insurance coverage, it’s very important that you do not skimp on critical coverages to save a buck or two. Too many times, an insured cut collision coverage only to regret that they should have had better coverage. Your goal is to get the best coverage possible at the best cost, not the least amount of coverage.

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