Save on 1997 Ford Taurus Insurance Quotes

Looking for cheaper insurance coverage rates for your Ford Taurus? Nobody looks forward to paying for insurance coverage, particularly when the cost is too high.

There are many insurance companies to purchase coverage from, and although it’s a good thing to be able to choose, too many choices makes it more difficult to find the best rates.

This article will teach you how to effectively get price quotes and some tips to save money. If you currently have car insurance, you will be able to reduce your rates substantially using these tips. Although car owners do need to understand how big insurance companies compete online and apply this information to your search.

Best discounts on 1997 Ford Taurus coverage

The cost of insuring your cars can be expensive, but you may find discounts that you may not even be aware of. Some trigger automatically at the time of purchase, but a few must be asked for prior to getting the savings.

  • Discount for Life Insurance – Select insurance companies reward you with a discount if you purchase life insurance.
  • Homeowners Savings – Simply owning a home can help you save on car insurance because maintaining a house shows financial diligence.
  • Passive Restraint Discount – Factory air bags and/or automatic seat belt systems can get savings of 20% or more.
  • Drive Less and Save – Driving fewer miles could be rewarded with discounted rates on garaged vehicles.
  • Defensive Driving Course – Completing a course in driver safety could cut 5% off your bill and easily recoup the cost of the course.
  • Distant Student – Any of your kids living away from home attending college without a vehicle on campus can be insured at a reduced rate.

It’s important to note that most discount credits are not given to the entire cost. Some only apply to the cost of specific coverages such as liability and collision coverage. So when the math indicates having all the discounts means you get insurance for free, companies wouldn’t make money that way. Any amount of discount will cut the cost of coverage.

To see a list of insurers offering car insurance discounts, follow this link.

Comprehensive Auto Insurance Comparison

There are a lot of ways you can shop for auto insurance and some are less labor-intensive and much quicker. You can waste a few hours (or days) talking about coverages with agents in your area, or you can stay home and use the web to accomplish the same thing much quicker.

Most major companies participate in a marketplace where prospective buyers only type in their quote data once, and each company returns a competitive quote for coverage. This system prevents you from having to do quote forms to each company.

To enter your information into the quoting system, click here (opens in new window).

The only downside to pricing coverage this way is you can’t choose which carriers to get pricing from. So if you prefer to choose specific providers for rate comparison, we have assembled a list of companies who write auto insurance in your area. Click here to view list.

However you get your quotes, make absolute certain that you use the exact same coverages on every quote. If you enter unequal deductibles or liability limits you can’t possibly determine the lowest rate for your Ford Taurus. Having just a slight variation in coverages can result in a big premium difference. Just remember that comparing a large number of companies provides better odds of finding a lower rate.

Tailor your coverage to you

When buying the best insurance coverage coverage, there is no perfect coverage plan. Everyone’s situation is unique and your policy should reflect that. For instance, these questions can aid in determining whether you would benefit from an agent’s advice.

  • Will I lose any money if I cancel my policy before it expires?
  • Is my teenager covered with friends in the car?
  • Should I file a claim if it’s only slightly more than my deductible?
  • What is medical payments coverage?
  • If my 1997 Ford Taurus is totaled, can I afford another vehicle?
  • How many claims can I have before being cancelled?
  • What is PIP insurance?
  • Where can I get insurance after a DUI in my state?
  • Am I covered if I hit my neighbor’s mailbox?
  • Am I covered when driving on a suspended license?

If you can’t answer these questions but you know they apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.

What insurance coverages do you need?

Having a good grasp of a insurance policy helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverage types found on the average insurance policy.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Ford Taurus.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits are set the same as your liablity limits.

Collision insurance

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

Collision coverage protects against things like backing into a parked car, crashing into a ditch, hitting a mailbox and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Liability auto insurance

Liability coverage will cover injuries or damage you cause to other’s property or people by causing an accident. It protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Some companies may use one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as repair bills for other people’s vehicles, pain and suffering and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for immediate expenses such as EMT expenses, surgery, X-ray expenses, pain medications and chiropractic care. They can be utilized in addition to your health insurance plan or if you do not have health coverage. It covers you and your occupants as well as getting struck while a pedestrian. PIP is not universally available and may carry a deductible

Comprehensive insurance

This coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like falling objects, rock chips in glass and hitting a deer. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Be a smart shopper

Lower-priced 1997 Ford Taurus insurance can be purchased online and also from your neighborhood agents, and you should compare price quotes from both to have the best selection. There are still a few companies who may not provide you the ability to get quotes online and these regional insurance providers work with independent agents.

You just read a lot of tips how to shop for insurance online. The most important thing to understand is the more times you quote, the better likelihood of reducing your rate. Consumers could even find that the best prices are with a lesser-known regional company. Regional companies can often insure niche markets at a lower cost than their larger competitors like Allstate or State Farm.

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