1999 Ford Taurus Insurance Rates – 8 Discounts for Best Quotes

Consumers who are new to comparison shopping online will find buying cut-rate car insurance quite difficult.

If you have car insurance now, you will be able to reduce your rates substantially using these methods. This information will introduce you to how car insurance quotes work and some tips to save money. But consumers must understand how companies price insurance differently.

The quickest way to compare car insurance rates is to realize car insurance companies participate in a system to give free rates quotes. The one thing you need to do is provide details such as any included safety features, your education level, if the car is leased, and your general credit rating. The data is then submitted to multiple different insurance companies and you will receive price estimates instantly to find the best rate.

To get price quotes for your , click here then complete the form.

Do drivers who switch really save?

Insurance coverage companies such as Allstate and Progressive continually stream ads on television and other media. They all seem to have a common claim that you can save after switching your coverage to them. How do they all make almost identical claims?

All the different companies can use profiling for the type of driver that makes them money. An example of a preferred risk could be between 30 and 50, owns a home, and has a high credit rating. A customer getting a price quote who meets those qualifications receives the best rates and is almost guaranteed to save when they switch companies.

Potential insureds who do not match the requirements will have to pay higher prices which leads to business going elsewhere. Company advertisements say “drivers who switch” not “everyone that quotes” save money. That’s why companies can truthfully make the claims of big savings. Because of the profiling, you absolutely need to get quotes from several different companies. Because you never know which company will provide you with the cheapest Ford Taurus insurance rates.

Don’t miss these eight discounts

Car insurance companies do not list every available discount very clearly, so we researched both well-publicized and the more hidden ways to save on auto insurance.

  • Student Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course in school.
  • Accident Forgiveness – A handful of insurance companies permit an accident before hitting you with a surcharge if you are claim-free for a particular time prior to the accident.
  • Senior Discount – Mature drivers can possibly qualify for better auto insurance rates on Taurus coverage.
  • Accident Free – Claim-free drivers can earn big discounts when compared with drivers who are more careless.
  • Early Switch Discount – A few companies offer discounts for switching policies prior to your current policy expiring. It’s a savings of about 10%.
  • Military Discounts – Having a family member in the military could mean lower rates.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles prevent accidents and will save you 10% or more.
  • Government Employees – Employees or retirees of the government can save as much as 8% on Taurus coverage depending on your company.

A little note about advertised discounts, some of the credits will not apply the the whole policy. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like adding up those discounts means a free policy, companies don’t profit that way.

To see a list of companies offering auto insurance discounts, follow this link.

When might I need help?

When choosing the best car insurance coverage, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs.

For instance, these questions might point out if your insurance needs will benefit from professional help.

  • Why is insurance for a teen driver so high?
  • What is PIP insurance?
  • Where can I get insurance after a DUI in my state?
  • Do I need special endorsements for business use of my vehicle?
  • Do I need replacement cost coverage on my 1999 Ford Taurus?
  • Are rock chip repairs covered?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form.

Coverages available on your insurance policy

Knowing the specifics of insurance can help you determine the right coverages and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive or Other Than Collision – This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as hitting a bird, rock chips in glass, falling objects and fire damage. The most a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability insurance – This protects you from damage that occurs to a person or their property by causing an accident. It protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things like repair costs for stationary objects, medical services, attorney fees, loss of income and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like nursing services, ambulance fees, hospital visits, prosthetic devices and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Collision coverages – Collision insurance covers damage to your Taurus from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like rolling your car, damaging your car on a curb, crashing into a ditch and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Buy online or local, you save

When trying to cut insurance costs, it’s very important that you do not skimp on critical coverages to save a buck or two. Too many times, someone sacrificed uninsured motorist or liability limits to discover at claim time that the savings was not a smart move. Your goal should be to get the best coverage possible at an affordable rate while not skimping on critical coverages.

Cheap 1999 Ford Taurus insurance is possible both online as well as from independent agents, and you need to price shop both in order to have the best chance of saving money. Some insurance companies don’t offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

People change insurance companies for any number of reasons including extreme rates for teen drivers, not issuing a premium refund, high prices and even delays in responding to claim requests. Whatever your reason, finding a new company is pretty simple and you could end up saving a buck or two.

To learn more, link through to the following helpful articles: