2018 Ford Taurus Insurance Cost – 7 Tricks for Best Prices

There isn’t a single person who likes buying insurance, especially knowing the prices are way too high. Lots of car insurance companies contend for your hard-earned dollar, and it can be difficult to compare rates and uncover the absolute lowest rate possible.

Find hidden discounts on auto insurance

Car insurance companies don’t always publicize all possible discounts very well, so below is a list a few of the more well known and also the more inconspicuous discounts that you can inquire about if you buy auto insurance online.

  • Lower Rates for Military – Having a deployed family member could trigger a small discount.
  • Discounts for Multiple Vehicles – Buying coverage for primary and secondary vehicles with the same auto insurance company qualifies for this discount.
  • Federal Employees – Having worked for a branch of the government can earn a discount up to 10% for Taurus insurance with certain companies.
  • One Accident Forgiven – Not a discount per se, but some insurance companies may permit one accident before hitting you with a surcharge so long as you haven’t had any claims for a specific time period.
  • Good Grades Discount – This discount can earn a discount of 20% or more. The discount lasts well after school through age 25.
  • 55 and Retired – If you’re over the age of 55, you may be able to get a slight reduction on a auto insurance quote for Taurus insurance.
  • Switch and Save Discount – A few auto insurance companies allow discounts for switching policies before your current expiration date. This can save 10% or more.

While discounts sound great, it’s important to understand that some of the credits will not apply to the overall cost of the policy. A few only apply to specific coverage prices like liability and collision coverage. So even though you would think all those discounts means the company will pay you, auto insurance companies aren’t that generous.

To locate insurers that offer discounts, follow this link.

Tailor your auto insurance coverage to you

When it comes to buying the best auto insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Each situation is unique and a cookie cutter policy won’t apply. For example, these questions may help you determine whether or not you would benefit from an agent’s advice.

  • I have good health insurance, so how much medical payments coverage do I need?
  • Is my dog or cat covered if injured in an accident?
  • Should I drop comprehensive coverage on older vehicles?
  • Is other people’s property covered if stolen from my vehicle?
  • How do I file an SR-22 for a DUI in my state?
  • Do I have coverage if my license is suspended?

If you can’t answer these questions then you might want to talk to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and may give you better protection.

Coverages available on your car insurance policy

Learning about specific coverages of your car insurance policy helps when choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement. These are typical coverage types available from car insurance companies.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for bills like rehabilitation expenses, prosthetic devices and dental work. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

Collision coverage will pay to fix damage to your Taurus resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things such as crashing into a ditch, hitting a parking meter, scraping a guard rail, colliding with another moving vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your 2018 Ford Taurus.

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

Liability auto insurance

This coverage provides protection from damage that occurs to other’s property or people that is your fault. This insurance protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims such as bail bonds, pain and suffering, emergency aid and medical services. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive insurance

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as hail damage, a broken windshield, a tree branch falling on your vehicle and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

The best insurance company isn’t always the cheapest

We just covered a lot of ways to compare 2018 Ford Taurus insurance auto insurance rates online. It’s most important to understand that the more providers you compare, the better likelihood of getting cheap auto insurance. Consumers may even find the lowest auto insurance rates are with some of the lesser-known companies. They can often insure niche markets at a lower cost than the large multi-state companies such as Allstate or State Farm.

When you buy auto insurance online, it’s a bad idea to skimp on coverage in order to save money. There are too many instances where an insured dropped liability limits or collision coverage only to regret they didn’t have enough coverage. The aim is to purchase plenty of coverage at the lowest possible cost, not the least amount of coverage.

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