2009 Ford Taurus Insurance Quotes – 9 Ways to Save

Scraping up a payment for overpriced Ford Taurus insurance can empty your savings account and make it impossible to make ends meet. Shopping your coverage around is free and is an excellent way to slash your bill and have more diposable income.

You have multiple auto insurance companies to pick from, and although it’s nice to have a choice, it can be more difficult to compare company pricing.

It’s a good idea to price shop coverage every six months due to the fact that insurance rates change quite often. Even if you think you had the best rates on Taurus insurance two years ago there may be better deals available now. Starting right now, forget anything you know (or think you know) about insurance coverage because it’s time to teach you the quickest way to save on insurance coverage.

More discounts equal less premium

Insurance can be prohibitively expensive, but discounts can save money and there are some available to help bring down the price. Certain discounts will be applied when you quote, but some must be asked about prior to receiving the credit.

  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems help deter theft and qualify for as much as a 10% discount.
  • Multiple Policy Discount – If you have multiple policies with one company you may save at least 10% off all policies.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles can reduce accidents and therefore earn up to a 10% discount.
  • Student in College – Youth drivers who attend school more than 100 miles from home and do not have a car can receive lower rates.
  • Good Student Discount – Getting good grades can get you a discount of up to 25%. The discount lasts well after school through age 25.
  • 55 and Retired – If you qualify as a senior citizen, you can possibly qualify for reduced rates on Taurus insurance.
  • New Car Discount – Insuring a new car is cheaper compared to insuring an older model.
  • Military Discounts – Being deployed with a military unit could be rewarded with lower premiums.
  • Discount for Life Insurance – Select insurance companies reward you with a discount if you purchase life insurance.

It’s important to understand that some of the credits will not apply to your bottom line cost. A few only apply to the cost of specific coverages such as liability and collision coverage. Just because it seems like it’s possible to get free car insurance, insurance coverage companies aren’t that generous. Any amount of discount will cut your overall premium however.

Companies who might offer these discounts include:

Before buying, ask all companies you are considering which discounts they offer. Discounts may not apply in every state.

Cheap Car Insurance Comparisons

Most major insurance companies like Allstate and Progressive give coverage prices on their websites. Getting quotes is fairly straightforward as you simply type in your personal and coverage information into the quote form. Once entered, the company’s rating system orders your credit score and driving record and generates pricing information based on these factors. Being able to quote online helps simplify price comparisons, but the time required to go to several different sites and complete many quote forms is monotonous and tiresome. But it’s absolutely necessary to get many rate quotes in order to get the best price possible.

A more efficient way to find better car insurance pricing makes use of a single form that gets prices from a lot of companies. The form is fast, reduces the work, and makes price shopping online much more enjoyable and efficient. After sending the form, your coverage is rated and you can select your choice of the resulting price quotes.

If the quotes result in lower rates, you simply finish the application and buy the new coverage. It takes 15 minutes at the most and you will know how your current rates stack up.

In order to compare rates now, click here and begin entering your coverage information. To compare your current rates, we recommend you input the coverages just like they are on your policy. Using the same limits helps guarantee you will be getting rate quotes for similar coverage.

It’s not one size fits all

When choosing the best auto insurance coverage, there isn’t really a “best” method to buy coverage. Every insured’s situation is different so this has to be addressed. For instance, these questions could help you determine if you would benefit from professional advice.

  • What is covered by UM/UIM coverage?
  • How can I find cheaper teen driver insurance?
  • What is the difference between comprehensive and collision coverage?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • What is roadside assistance coverage?
  • Is my teenager covered with friends in the car?
  • Should I file a claim if it’s only slightly more than my deductible?
  • How much liability insurance is required?

If you can’t answer these questions but you know they apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies.

Information about specific coverages

Learning about specific coverages of your policy can be of help when determining appropriate coverage for your vehicles. Car insurance terms can be ambiguous and nobody wants to actually read their policy. Listed below are the usual coverages found on the average car insurance policy.

Collision coverage – This will pay to fix damage to your Taurus from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as crashing into a building, rolling your car, sustaining damage from a pot hole, colliding with a tree and backing into a parked car. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also bump up the deductible to bring the cost down.

Auto liability insurance – Liability coverage provides protection from damage that occurs to other people or property by causing an accident. It protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like repair costs for stationary objects, emergency aid, medical services and attorney fees. The amount of liability coverage you purchase is up to you, but you should buy as large an amount as possible.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for dental work, pain medications and chiropractic care. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage provides protection from other motorists when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Ford Taurus.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Normally these limits are set the same as your liablity limits.

Comprehensive auto coverage – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like theft, a broken windshield and hitting a bird. The maximum payout your car insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Smart consumers save more

You just read some good ideas how to save on 2009 Ford Taurus insurance. The key concept to understand is the more companies you get rates for, the better your chances of lowering your rates. Consumers may even find the most savings is with the least-expected company. These companies may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm, Geico and Nationwide.

As you shop your coverage around, it’s not a good idea to skimp on critical coverages to save a buck or two. In many cases, someone dropped uninsured motorist or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. Your goal should be to get the best coverage possible at the best price.

More information is available at the links below