2008 Ford Taurus X Car Insurance Quotes

Are you tired of robbing Peter to pay Paul to buy car insurance? You are in the same boat as many other drivers.

There is such a variety of auto insurance companies to insure vehicles with, and though it is a good thing to have a selection, it can be more challenging to compare rates.

Finding the best rates is easy if you know what you’re doing. Essentially anyone who has to buy car insurance stands a good chance to be able to save money. But drivers can benefit from knowing the way companies market on the web because it can help you find the best coverage.

Save with discounts on 2008 Ford Taurus X insurance

Companies don’t always publicize every discount very well, so the following is a list of both well-publicized and the more hidden discounts you could be receiving.

  • Organization Discounts – Affiliation with a professional or civic organization could trigger savings on your policy on Taurus X coverage.
  • Passive Restraints – Factory air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
  • Resident Student – Kids in college who attend school more than 100 miles from home and do not have a car may qualify for this discount.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems can avoid accidents and earn discounts up to 10%.
  • Multi-policy Discount – When you combine your home and auto insurance with one company you may save approximately 10% to 15%.
  • Federal Employees – Active or retired federal employment can save as much as 8% on Taurus X coverage with certain companies.

A little note about advertised discounts, some credits don’t apply to the entire policy premium. Some only reduce specific coverage prices like comp or med pay. So even though it sounds like all the discounts add up to a free policy, you’re out of luck.

To see a list of companies offering insurance discounts, click here to view.

Vehicle Insurance Comparison

Most companies allow you to get coverage prices on the web. Getting online rates doesn’t take a lot of time as you just enter the amount of coverage you want as requested by the quote form. When the form is submitted, their rating system gets credit information and your driving record and gives you a price quote based on these and other factors. This helps simplify price comparisons, but the process of having to visit each company’s website and repetitively complete many quote forms is monotonous and tiresome. But it is imperative to perform this step if you are searching for the lowest price.

Compare rates the easy way

A less time-consuming method to lower your car insurance bill requires only one form to return rates from several different companies. The form is fast, requires much less work on your part, and makes online shopping a little more enjoyable. After sending your information, it is quoted and you can select any one of the quotes that you receive. If a lower price is quoted, you can click and sign and purchase the new policy. This process only takes a few minutes and you will know how your current rates stack up.

To get comparison pricing now, click here to open in new window and enter your information. If you have your current policy handy, we recommend you complete the form with deductibles and limits identical to your current policy. Doing this assures you’re receiving comparison quotes for exact coverage.

Tailor your coverage to you

When it comes to buying proper insurance coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s situation is a little different and your policy should reflect that. For example, these questions can help discover if your insurance needs would benefit from professional advice.

  • Do I need more liability coverage?
  • Does my policy cover me when driving someone else’s vehicle?
  • Exactly who is provided coverage by my policy?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • When can my company non-renew my policy?
  • How high should my medical payments coverage be?
  • Am I covered if I drive in a foreign country?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Specifics of your insurance policy

Knowing the specifics of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. Insurance terms can be ambiguous and reading a policy is terribly boring. Shown next are typical coverages offered by insurance companies.

Collision coverage

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as crashing into a ditch, hitting a parking meter and driving through your garage door. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive (Other than Collision)

This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from flooding, theft and damage from getting keyed. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Liability coverage

Liability insurance will cover injuries or damage you cause to other’s property or people in an accident. This coverage protects you against other people’s claims, 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 commonly see limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability insurance covers claims such as medical expenses, bail bonds and legal defense fees. How much liability should you purchase? That is up to you, but consider buying as high a limit as you can afford.

Medical expense insurance

Med pay and PIP coverage provide coverage for expenses for X-ray expenses, dental work, pain medications and doctor visits. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Ford Taurus X.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Quote often and quote early

When shopping online for auto insurance, you should never buy poor coverage just to save money. There are a lot of situations where drivers have reduced collision coverage only to discover later they didn’t have enough coverage. Your strategy should be to buy enough coverage for the lowest price.

Affordable 2008 Ford Taurus X insurance is possible on the web in addition to many insurance agents, so you should compare both to have the best selection. Some companies do not provide the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

Helpful resources