1991 Ford Taurus Insurance Rates – 9 Tips for Cheaper Quotes

Searching for cheaper insurance coverage rates for your Ford Taurus? No one in their right mind likes paying for insurance coverage, in particular when their premiums are too high. You have so many auto insurance companies to insure vehicles with, and although it’s nice to have a choice, too many choices makes it more difficult to compare rates.

Save money by taking advantage of these nine discounts

Insuring your fleet can be pricey, but discounts can save money and there are some available to help bring down the price. Some trigger automatically when you get a quote, but some may not be applied and must be inquired about prior to receiving the credit. If you don’t get every credit available, you’re paying more than you need to.

  • Claim Free – Good drivers with no accidents can earn big discounts compared to bad drivers.
  • Good Students Pay Less – A discount for being a good student can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
  • Auto/Life Discount – Some companies give a break if you buy a life insurance policy as well.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Ford could qualify for discounted rates on garaged vehicles.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of making monthly payments you could save 5% or more.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and will save you 10% or more.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes can avoid accidents and earn discounts up to 10%.
  • Early Signing – Some insurance companies reward drivers for buying a policy before your current expiration date. This can save 10% or more.
  • Seat Belts Save more than Lives – Requiring all passengers to wear their seat belts could cut 10% or more off your PIP or medical payments premium.

A little note about advertised discounts, many deductions do not apply the the whole policy. Most only apply to individual premiums such as physical damage coverage or medical payments. So even though they make it sound like adding up those discounts means a free policy, car insurance companies aren’t that generous. But any discount will reduce the amount you have to pay.

Companies who might offer these benefits include:

Check with every prospective company which discounts you may be entitled to. Discounts may not be available in every state.

When should I use an insurance agent?

When it comes to buying adequate coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s situation is unique so your insurance needs to address that. For example, these questions might help in determining if your insurance needs would benefit from professional advice.

  • Is my camper covered by my car insurance policy?
  • How many claims can I have before being cancelled?
  • What vehicles should carry emergency assistance coverage?
  • What is an SR-22 filing?
  • Is my teen driver covered when they drive my company car?
  • Where can I find high-risk insurance?
  • Can my babysitter drive my car?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

Parts of your auto insurance policy

Understanding the coverages of your auto insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. Below you’ll find the normal coverages offered by auto insurance companies.

Comprehensive coverage

This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like damage from a tornado or hurricane, theft, damage from getting keyed and hail damage. The highest amount your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for expenses for X-ray expenses, chiropractic care, nursing services and EMT expenses. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Auto liability

Liability coverage provides protection from damages or injuries you inflict on people or other property in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as attorney fees, funeral expenses, repair bills for other people’s vehicles, repair costs for stationary objects and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include 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 should not be overlooked. Normally these coverages are identical to your policy’s liability coverage.

Collision coverage

Collision insurance pays for damage to your Taurus caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like hitting a mailbox, backing into a parked car, driving through your garage door, crashing into a ditch and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Shop Smart and Save

While you’re price shopping online, do not buy less coverage just to save a little money. There are a lot of situations where drivers have reduced physical damage coverage only to regret that the savings was not a smart move. The ultimate goal is to buy enough coverage for the lowest price.

In this article, we presented a lot of techniques to reduce 1991 Ford Taurus insurance prices online. It’s most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. Drivers may discover the best prices are with a small local company. They can often provide lower rates in certain areas than their larger competitors like Allstate, Geico and Progressive.

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