View 2001 Ford Taurus Insurance Rates

Looking for cheaper car insurance rates for your Ford Taurus? Nobody looks forward to paying for car insurance, especially knowing the cost is too high.

Companies like Progressive, Geico and Farmers Insurance constantly bombard you with ad campaigns and consumers find it hard to ignore the propoganda and effectively compare rates to find the best deal.

Consumers need to shop coverage around periodically because rates are usually higher with each renewal. Even if you think you had the lowest price for Taurus coverage on your last policy there may be better deals available now. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to the best way to find great coverage at a great price.

If you are paying for car insurance now, you will be able to reduce your rates substantially using these tips. Finding the best rates is quite easy. But vehicle owners must learn how insurance companies market insurance on the web and use this information to your advantage.

Discounts to lower 2001 Ford Taurus insurance rates

Companies offering auto insurance don’t always publicize all available discounts very well, so we took the time to find both the well known and also the lesser-known ways to save on insurance.

  • Multiple Policy Discount – When you have multiple policies with one company you will save approximately 10% to 15%.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.
  • Service Members Pay Less – Being on active duty in the military may qualify for rate reductions.
  • Discount for Life Insurance – Some companies give lower rates if you buy auto and life insurance together.
  • Discount for Swiching Early – Select companies give a discount for buying a policy prior to your current policy expiring. The savings is around 10%.
  • Seat Belts Save – Buckling up and requiring all passengers to use a seat belt could save 15% off your PIP or medical payments premium.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy could earn a price break for each car.

A little note about advertised discounts, some of the credits will not apply to the overall cost of the policy. Most only cut individual premiums such as comp or med pay. Just because it seems like all the discounts add up to a free policy, it just doesn’t work that way.

Insurance companies who might offer these benefits may include but are not limited to:

Before buying, ask every prospective company which discounts you may be entitled to. Savings might not be offered in every state.

Compare Insurance Today

Most major insurance companies give pricing on the web. Getting online rates is quite easy as you simply enter the coverages you want into the quote form. After you complete the form, the company’s rating system gets your driving and credit reports and quotes a price based on these and other factors. This simplifies rate comparisons, but the process of having to visit multiple sites and type in the same information is monotonous and tiresome. But it is imperative to perform this step if you are searching for a better rate.

A more efficient way to lower your insurance bill uses one form that gets prices from several different companies. It’s a real time-saver, helps eliminate reptitive entry, and makes quoting online much simpler. After sending your information, it gets priced and you can choose any or none of the quotes that you receive. If a lower price is quoted, you can simply submit the application and buy the policy. It takes 15 minutes at the most and could lower your rates considerably.

To quickly fill out one form to compare multiple rates now, click here and input your coverage information. If you have a policy now, it’s recommended you type in the insurance coverages as close as possible to your current policy. This helps ensure you will have rate comparison quotes based on identical coverages.

Why you might be paying too much to insure your Ford Taurus

Smart consumers have a good feel for the rating factors that help determine your insurance coverage rates. When you know what positively or negatively determines base rates allows you to make educated decisions that will entitle you to better insurance coverage rates.

The following are a partial list of the pieces companies use to determine prices.

  • Men pay higher rates – Statistics show that men are more aggressive behind the wheel. However, don’t assume that men are WORSE drivers than women. Women and men cause accidents at about the same rate, but the males cause more damage and cost insurance companies more money. They also have more aggressive citations such as reckless driving.
  • You might want pay the small claims yourself – If you are a frequent claim filer, you can definitely plan on either higher rates or even cancellation. Insurance companies award cheaper rates to people who do not rely on their insurance for small claims. Car insurance is intended for major claims that would cause financial hardship.
  • The more you drive the more you pay – Driving more miles each year the more you’ll pay to insure your vehicle. Almost all companies charge to insure your cars based on how the vehicle is used. Cars that are left in the garage receive lower rates as compared to vehicles used primarily for driving to work. Verify your insurance coverage coverage properly reflects the proper vehicle usage, because improper ratings can cost you money. Incorrect usage on your Taurus can cost quite a bit.
  • Where you live can impact rates – Choosing to live in less populated areas has it’s advantages when talking about insurance coverage. Fewer people means fewer accidents and also fewer theft and vandalism claims. Drivers in populated areas have congested traffic and longer commute times. More time commuting means more change of being in an accident.

Tailor your coverage to you

When choosing adequate coverage, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine if your situation will benefit from professional help.

  • Where can I find high-risk insurance?
  • Is rental equipment covered for theft or damage?
  • Do all my vehicles need collision coverage?
  • How can I get high-risk coverage after a DUI?
  • When would I need additional glass coverage?
  • Is a fancy paint job covered?
  • When can my company non-renew my policy?
  • Do I need roadside assistance coverage?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.

Auto insurance coverage considerations

Understanding the coverages of your auto insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. These are the normal coverages available from auto insurance companies.

Auto liability

Liability insurance protects you from damage or injury you incur to other people or property in an accident. This coverage protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability can pay for claims like emergency aid, pain and suffering, structural damage, legal defense fees and funeral expenses. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford.

Coverage for collisions

Collision coverage pays for damage to your Taurus resulting from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like colliding with a tree, crashing into a ditch, rolling your car, sideswiping another vehicle and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.

Comprehensive coverage

This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as hitting a deer, fire damage, rock chips in glass and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage 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.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for bills such as rehabilitation expenses, X-ray expenses, chiropractic care, EMT expenses and dental work. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers you and your occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Pennies from heaven

While you’re price shopping online, do not reduce needed coverages to save money. Too many times, drivers have reduced collision coverage only to discover later that they should have had better coverage. Your focus should be to buy enough coverage for the lowest price.

Affordable 2001 Ford Taurus insurance is attainable both online and also from your neighborhood agents, and you need to comparison shop both to have the best chance of lowering rates. Some auto insurance companies may not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.

More tips and info about auto insurance can be read by following these links: