2010 Ford Taurus Car Insurance Cost

Looking for cheaper insurance rates for your Ford Taurus? Nobody I know likes paying for insurance, particularly when the price is too high.

Because you have many insurance providers from which to choose, it can be challenging to find the most cost effective insurance company.

It’s a good idea to check insurance prices quite often due to the fact that insurance rates are variable and change quite frequently. Just because you had the best price on Taurus insurance a couple years back you may be paying too much now. Ignore everything you know about insurance because you’re about to find out the right way to properly buy coverages while reducing your premium.

The method we recommend to compare insurance rates from multiple companies is to understand most larger insurance companies participate in a system to provide you with free rate quotes. The one thing you need to do is give the companies some data such as level of coverage desired, whether the vehicles are used for commuting, how much school you completed, and the make and model of your vehicles. That rating data is sent automatically to multiple insurance providers and they return rate quotes instantly to find the best rate.

Don’t pay full price with these discounts

Car insurance is not cheap, but there could be available discounts that you may not even be aware of. Larger premium reductions will be automatically applied at the time of quoting, but a few must be specially asked for before you will receive the discount.

  • Early Switch Discount – Some insurance companies reward drivers for signing up before your current policy expires. It’s a savings of about 10%.
  • Distant Student – Youth drivers living away from home attending college without a vehicle on campus can be insured at a reduced rate.
  • Accident Free – Good drivers with no accidents pay less compared to frequent claim filers.
  • Federal Employees – Active or retired federal employment could cut as much as 10% off on Taurus insurance with certain companies.
  • Homeowners Discount – Simply owning a home can help you save on auto insurance because of the fact that having a home shows financial diligence.
  • Service Members Pay Less – Having a family member in the military can result in better rates.

Keep in mind that many deductions do not apply to the entire policy premium. The majority will only reduce individual premiums such as liability, collision or medical payments. So when the math indicates having all the discounts means you get insurance for free, auto insurance companies aren’t that generous. Any qualifying discounts will cut the cost of coverage.

To see a list of insurers with discount auto insurance rates, click here.

Your personal situation dictates your coverage

When it comes to buying proper insurance coverage for your vehicles, there is no perfect coverage plan. Everyone’s situation is a little different so your insurance should reflect that These are some specific questions could help you determine whether your personal situation could use an agent’s help.

  • Should I buy full coverage?
  • Is my babysitter covered when using my vehicle?
  • What is the difference between comprehensive and collision coverage?
  • Is a fancy paint job covered?
  • Am I covered when pulling a rental trailer?
  • Am I covered if hit by an uninsured driver?
  • How do I insure my teen driver?

If you’re not sure about those questions then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier

Auto insurance 101

Learning about specific coverages of car insurance helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Listed below are the usual coverages offered by car insurance companies.

Collision insurance

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things such as crashing into a ditch, sustaining damage from a pot hole, crashing into a building, backing into a parked car and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Medical expense coverage

Med pay and PIP coverage provide coverage for expenses such as hospital visits, ambulance fees and nursing services. They can be utilized in addition to your health insurance plan or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

Comprehensive protection

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims like damage from flooding, a broken windshield, hitting a deer and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Liability coverages

This can cover injuries or damage you cause to a person or their property in an accident. This coverage protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined limit which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims such as funeral expenses, medical services, emergency aid, legal defense fees and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but buy as high a limit as you can afford.