1995 Ford Taurus Insurance Quotes – 9 Ideas for Cheapest Rates

Want better insurance rates? Drivers have many options when trying to find affordable Ford Taurus insurance. They can either waste time struggling with agents getting price quotes or utilize the internet to compare rates. There is a right way and a wrong way to buy insurance and you need to know the best way to get price quotes on a Ford and obtain the best price possible.

Cut your insurance coverage rates with these nine discounts

Companies offering auto insurance don’t necessarily list all their discounts in a way that’s easy to find, so we break down both well-publicized as well as the least known savings tricks you should be using. If you aren’t receiving every discount possible, you’re paying more than you need to.

  • Discount for Swiching Early – Some insurance companies reward drivers for switching to them prior to your current policy expiration. The savings is around 10%.
  • Accident Forgiveness – A handful of insurance companies will forgive one accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.
  • Passive Restraint Discount – Vehicles with factory air bags or motorized seat belts may earn rate discounts of 20% or more.
  • Homeowners Savings – Owning a house can save you money due to the fact that maintaining a home is proof that your finances are in order.
  • Multi-car Discount – Having more than one vehicle with the same company can get a discount on all vehicles.
  • New Car Discount – Adding a new car to your policy can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Organization Discounts – Belonging to a qualifying organization may earn a discount when shopping for insurance coverage for Taurus coverage.
  • Low Mileage – Low mileage vehicles can earn lower rates on the low mileage vehicles.
  • Discount for Good Grades – A discount for being a good student can save 20 to 25%. The good student discount can last up until you turn 25.

As a disclaimer on discounts, some of the credits will not apply the the whole policy. Most cut 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, insurance coverage companies aren’t that generous.

To see a list of insurance companies with discount insurance coverage rates, click this link.

How to Compare Car Insurance

Finding a better price on car insurance is not a difficult process. Consumers just need to invest a few minutes comparing rates provided by online insurance companies. This can be done in several different ways.

  • The fastest way to compare a lot of rates at once is a comparison rater form like this one (opens in new window). This type of form saves time by eliminating repetitive form submissions for each company you want a rate for. In just a few minutes this one form will get you rate comparisons from all major companies. This is by far the quickest method.
  • Another way to get quotes online is spending the time to visit each company website and request a quote. For example, we’ll pretend you want comparison quotes from Progressive, 21st Century and Allstate. You would have to go to every website and enter your policy data, which is why the first method is quicker.

    For a handy list of car insurance company links in your area, click here.

It’s your choice how you get your quotes, but make sure you use the exact same information for each price quote. If you are comparing unequal deductibles or liability limits it will be very difficult to find the best deal for your Ford Taurus.

You are unique and your insurance coverage should be too

When buying coverage, there is no one size fits all plan. Each situation is unique.

Here are some questions about coverages that could help you determine if your insurance needs might need professional guidance.

  • Should I have combined single limit or split liability limits?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is my cargo covered for damage or theft?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is extra glass coverage worth it?
  • Where can I find DUI or SR-22 insurance?
  • If my 1995 Ford Taurus is totaled, can I afford another vehicle?

If you can’t answer these questions, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and can help protect your family.

Detailed coverages of your insurance policy

Learning about specific coverages of your insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Collision insurance

Collision insurance covers damage to your Taurus caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like scraping a guard rail, rolling your car, hitting a parking meter and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Ford Taurus.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as theft, fire damage, damage from a tornado or hurricane, vandalism and a tree branch falling on your vehicle. The maximum payout a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for expenses like prosthetic devices, surgery 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. They cover you and your occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Liability insurance

This protects you from damage or injury you incur to people or other property in an accident. It protects you from claims by other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims like funeral expenses, attorney fees, medical services and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.

Be a smart shopper

Lower-priced 1995 Ford Taurus insurance is definitely available both online as well as from independent agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies don’t offer online quoting and most of the time these small, regional companies sell through independent agents.

People switch companies for a variety of reasons including lack of trust in their agent, delays in paying claims, extreme rates for teen drivers and unfair underwriting practices. It doesn’t matter what your reason, finding a new company is not as difficult as it may seem.

In this article, we covered quite a bit of information on how to get a better price on insurance. The key concept to understand is the more you quote, the better chance you’ll have of finding lower rates. You may even discover the lowest rates come from a lesser-known regional company.

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