Save on 2016 Ford Taurus Insurance Quotes

Trying to find cheaper car insurance rates? Buyers have a choice when searching for low-cost Ford Taurus insurance. They can either spend hours struggling with agents to get rate comparisons or use the internet to compare rates.

There is a right way and a wrong way to shop for car insurance so we’re going to tell you the best way to quote coverages on a Ford and find the lowest price.

Compare Quotes for Auto Insurance

Most major insurance companies give coverage prices on their websites. Obtaining pricing is fairly straightforward as you simply enter your coverage information as detailed in the form. When complete, their rating system gets your driving and credit reports and quotes a price based on these and other factors.

Online price quotes streamlines rate comparisons, but the time it takes to visit many different websites and enter the same data into a form is monotonous and tiresome. But it is imperative to compare as many rates as possible if you want to find a better rate.

An easier way to locate the lowest prices uses one simple form that gets prices from several different companies. The form is fast, reduces the work, and makes comparison shopping much easier to do. As soon as you send your information, it is rated and you can choose any of the quote results.

If a lower price is quoted, you can simply submit the application and purchase coverage. This process takes less than 15 minutes and you’ll know if lower rates are available.

If you want to compare rates now, simply click here to open in new window and fill out the form. To compare your current rates, we recommend you replicate deductibles and limits identical to your current policy. This way, you are getting comparison quotes for the exact same coverage.

Don’t miss these discounts

Insurance can be prohibitively expensive, but discounts can save money and there are some available to reduce the price significantly. Larger premium reductions will be automatically applied when you get a quote, but a few must be asked about before they will apply. If they aren’t giving you every credit you deserve, you’re paying more than you need to.

  • Sign Online – Certain companies may give you up to $50 for buying a policy and signing up on their website.
  • Distant Student – Children who are attending college and do not have a car can receive lower rates.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can reduce accidents and qualify for as much as a 10% discount.
  • Anti-theft System – Cars that have factory anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Drive Safe and Save – Safe drivers can pay as much as 50% less for Taurus coverage than their less cautious counterparts.
  • Discount for Swiching Early – Some companies give discounts for buying a policy before your current policy expires. The savings is around 10%.
  • Employee of Federal Government – Simply working for the federal government may qualify you for a discount for Taurus coverage with select insurance companies.
  • No Accidents – Claim-free drivers can save substantially as compared to accident-prone drivers.
  • Defensive Driving Course – Completing a course in driver safety could cut 5% off your bill depending on where you live.

As a disclaimer on discounts, some of the credits will not apply to the overall cost of the policy. A few only apply to individual premiums such as physical damage coverage or medical payments. Just because it seems like all the discounts add up to a free policy, it just doesn’t work that way. But any discount will help reduce your premiums.

For a list of providers who offer insurance discounts, click here to view.

When might I need help?

When it comes to buying the best car insurance coverage, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique.

For instance, these questions may help highlight whether you will benefit from professional help.

  • How can I get my company to pay me more for my totalled car?
  • Do I need to file an SR-22 for a DUI in my state?
  • Does my policy cover me when driving someone else’s vehicle?
  • Can I afford to pay high deductible claims out of pocket?
  • What is high-risk coverage and where do I buy it?
  • Exactly who is provided coverage by my policy?
  • How much liability coverage do I need in my state?

If you’re not sure about those questions, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and may give you better protection.

Auto insurance coverages 101

Having a good grasp of your auto insurance policy aids in choosing the right coverages and the correct deductibles and limits. Auto insurance terms can be difficult to understand and coverage can change by endorsement.

Medical expense insurance

Coverage for medical payments and/or PIP pay for expenses for ambulance fees, pain medications, EMT expenses, funeral costs and surgery. The coverages can be used in conjunction with a health insurance program or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Liability auto insurance

This will cover damages or injuries you inflict on other’s property or people. This coverage protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as repair costs for stationary objects, legal defense fees, pain and suffering and medical expenses. How much liability should you purchase? That is your choice, but buy as large an amount as possible.

Collision coverage protection

This will pay to fix damage to your Taurus resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as driving through your garage door, colliding with a tree, crashing into a building, backing into a parked car and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers

This coverage gives you protection from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Ford Taurus.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Normally these coverages do not exceed the liability coverage limits.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like a broken windshield, theft, a tree branch falling on your vehicle and damage from flooding. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.