I can’t think of anyone who looks forward to paying for insurance coverage, especially when they are paying too much.
Multiple car insurance companies compete for your business, so it can be very hard to choose a company to discover the definitive lowest rate
Car insurance companies do not advertise all their discounts very clearly, so we researched both well-publicized and also the lesser-known ways to save on insurance.
It’s important to understand that some credits don’t apply to the entire cost. Some only apply to specific coverage prices like liability, collision or medical payments. So even though they make it sound like you can get free auto insurance, it doesn’t quite work that way.
Insurance companies who might offer these discounts include:
Before buying, ask each company what discounts are available to you. All car insurance discounts might not apply in every state.
The best way we recommend to compare car insurance rates is to understand most larger insurance companies participate in online systems to give you rate quotes. To begin a comparison, all you need to do is provide the companies a bit of rating information such as whether you drive to work or school, coverage limits, if the car is leased, and if you have an active license. The data gets sent immediately to multiple companies and you receive quotes immediately.
To compare rates now, click here and complete the quick form.
When buying coverage for your personal vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is a little different so your insurance needs to address that. For example, these questions can help discover if your insurance needs would benefit from an agent’s advice.
If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.
Having a good grasp of your policy aids in choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Below you’ll find typical coverage types offered by insurance companies.
Coverage for medical payments
Med pay and PIP coverage provide coverage for bills like surgery, rehabilitation expenses, hospital visits and dental work. They can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is only offered in select states and may carry a deductible
Comprehensive coverages
Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive can pay for claims such as fire damage, hail damage, hitting a bird and falling objects. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.
Auto liability
Liability insurance provides protection from damage that occurs to people or other property. This insurance protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.
Liability coverage pays for things like repair bills for other people’s vehicles, court costs, pain and suffering, repair costs for stationary objects and loss of income. How much coverage you buy is a personal decision, but consider buying as large an amount as possible.
Collision coverage protection
This coverage will pay to fix damage to your Taurus from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.
Collision coverage pays for things such as colliding with a tree, hitting a mailbox and crashing into a building. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.
Uninsured and underinsured coverage
Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Ford Taurus.
Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.
We just covered many ways to save on 2006 Ford Taurus insurance. 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. Consumers could even find that the best price on insurance is with a small local company. They may cover specific market segments cheaper than their larger competitors like Progressive or Geico.
Cheaper insurance can be sourced online and with local insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. A few companies do not offer online price quotes and many times these regional insurance providers only sell through independent insurance agents.
Additional insurance information can be found on the following sites: