Cheaper 1996 Ford Taurus Insurance Quotes

Feel like you’re a prisoner to an overpriced insurance coverage policy? Trust us when we tell you many consumers feel financially strained by their insurance coverage policy. Insurance companies such as Allstate, Liberty Mutual and State Farm all claim big savings with ads and it is challenging if not impossible to separate fact from fiction and effectively compare rates to find the best deal.

Consumers should take time to compare rates every six months due to the fact that insurance rates are rarely the same from one policy term to another. Just because you had the lowest rates on Taurus insurance six months ago you can probably find a lower rate today. So block out anything you think you know about insurance coverage because you’re about to learn the only way to save on insurance coverage.

If you have a policy now or are shopping for new coverage, you can use this information to reduce the price you pay and possibly find even better coverage. Buying car insurance is quite easy. Consumers only need to know how to find the lowest price online.

Comparison of Insurance Coverage

There are a variety of methods to compare 1996 Ford Taurus insurance coverage quotes, but one way is more efficient than others. You could spend the better part of a day talking about coverages with agents in your area, or you could use online quoting to get prices fast.

The majority of car insurance companies belong to an insurance system that enables customers to send in one quote, and every company provides a quote. This saves time by eliminating repetitive form submissions for each company.

To fill out one form to compare multiple rates now click here to open in new window.

The one downside to getting quotes like this is that you can’t choose the insurers to get quotes from. If you would rather choose specific insurance companies to compare prices, we put together a list of companies who write insurance coverage in your area. Click to view list.

It’s up to you how you get prices quotes, just compare apples-to-apples coverage limits on every quote you get. If you are comparing differing limits then you won’t be able to make an equal comparison.

Can you really save $445 a year?

Consumers can’t get away from ads that promise big savings from the likes of Progressive, Allstate and Geico. They all have a common claim about savings if you switch your coverage to them.

But how can every company make the same claim?

Different companies have a preferred profile for the right customer they prefer to insure. An example of a profitable customer could be between 25 and 40, has no tickets, and drives less than 10,000 miles a year. Any driver that hits that “sweet spot” will get the preferred rates and as a result will probably save when they switch companies.

Consumers who don’t measure up to these standards will have to pay higher prices and this can result in business not being written. The ads say “customers who switch” not “people who quote” save that kind of money. That is how companies can truthfully make those claims. Because of the profiling, it’s extremely important to get as many comparisons as possible. It is impossible to predict the company that will have the lowest Ford Taurus insurance rates.

Pieces of the Ford Taurus insurance rate puzzle

Consumers need to have an understanding of the factors that go into determining auto insurance rates. Knowing what impacts premium levels helps enable you to make changes that may reward you with better auto insurance rates.

Listed below are a few of the “ingredients” that factor into rates.

  • Consolidate policies to earn discounts – Some insurance companies will give a discount to people who carry more than one policy. It’s known as a multi-policy discount. This can amount to 10 percent or more. If you currently are using one company, you may still want to comparison shop to confirm you are receiving the best rates possible. Drivers may still find better rates by buying auto insurance from a different company.
  • More claims means more premium – If you file claims often, you can definitely plan on either policy cancellation or increased premiums. Car insurance companies give discounts to policyholders who are claim-free. Your insurance policy is intended for major claims that would cause financial hardship.
  • High credit ratings translate to low rates – Your credit score is a huge factor in your rate calculation. People with high credit scores tend to be more responsible than drivers with lower credit ratings. Therefore, if your credit score is low, you could be paying less to insure your 1996 Ford Taurus by repairing your credit.
  • Lower deductibles cost more – Insurance for physical damage to your car, also known as collision and other-than-collision, protects your Ford from damage. Some examples of claims that would be covered could be colliding with a building, damage caused by hail, and rolling your vehicle. The deductibles are the amount of money you are required to spend before your auto insurance pays a claim. The more money the insured has to pay upfront, the lower your rates will be on Taurus insurance.
  • Poor driving leads to higher costs – Even one citation can increase rates twenty percent or more. Good drivers receive lower rates compared to drivers with tickets. If you have flagrant violations like DWI, reckless driving or hit and run convictions may find they need to submit a SR-22 form with their state DMV in order to keep their license.
  • Teen drivers pay high rates – Young drivers have a tendency to be less responsible behind the wheel so they pay higher auto insurance rates. Having to add a teen driver to your auto insurance policy can be very expensive. Older drivers tend to be more responsible, statistically cause fewer accidents and are safer drivers.

Lower rates by qualifying for discounts

Auto insurance companies do not list all their discounts very clearly, so we took the time to find both the well known and the harder-to-find ways to save on insurance. If you’re not getting every credit available, you are paying more than you should be.

  • Multiple Policy Discount – When you combine your home and auto insurance with one company you may save up to 20% off your total premium.
  • Passive Restraints – Factory air bags and/or automatic seat belt systems can get savings up to 30%.
  • Drive Less and Save – Low mileage vehicles could qualify for lower rates on the low mileage vehicles.
  • Use Seat Belts – Buckling up and requiring all passengers to use a seat belt can save 10% or more off your PIP or medical payments premium.
  • Lower Rates for Military – Having a family member in the military may qualify for rate reductions.

As a disclaimer on discounts, some of the credits will not apply to your bottom line cost. Some only reduce individual premiums such as medical payments or collision. So even though they make it sound like having all the discounts means you get insurance for free, companies don’t profit that way.

Companies that may offer these money-saving discounts are:

Double check with each insurance company which discounts they offer. Discounts might not be offered in your area.

Car insurance is unique, just like you

When it comes to buying coverage, there really is no perfect coverage plan. Your needs are not the same as everyone else’s so your insurance needs to address that. For instance, these questions might help in determining whether you could use an agent’s help.

  • Should I get collision insurance on every vehicle?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Why does it cost so much to insure a teen driver?
  • Do I need added coverage for expensive stereo equipment?
  • Does my policy cover me when driving someone else’s vehicle?
  • Can my babysitter drive my car?
  • What is covered by UM/UIM coverage?

If you’re not sure about those questions then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.

What insurance coverages do you need?

Knowing the specifics of your policy can be of help when determining the best coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on most insurance policies.

Coverage for medical expenses

Med pay and PIP coverage pay for short-term medical expenses like surgery, chiropractic care, doctor visits, nursing services and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Collision protection

This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like scraping a guard rail, colliding with a tree, crashing into a ditch and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Liability insurance

This provides protection from damage or injury you incur to a person or their property in an accident. It protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability 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.

Liability insurance covers claims like attorney fees, emergency aid, funeral expenses, repair costs for stationary objects and court costs. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

Comprehensive insurance

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like damage from flooding, fire damage, theft, vandalism and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Coverage for uninsured or underinsured drivers

This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Summing up your insurance search

Budget-conscious 1996 Ford Taurus insurance can be sourced from both online companies as well as from independent agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance providers don’t offer you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

We’ve covered a lot of information how to get a better price on insurance. The key thing to remember is the more rate quotes you have, the better your comparison will be. Drivers may discover the most savings is with the least-expected company. They can often provide lower rates in certain areas than the large multi-state companies such as Progressive and Geico.

Additional information