Save on 2011 Ford Taurus Car Insurance Quotes

Looking for lower insurance rates for your Ford Taurus? Finding low-cost insurance for a Ford Taurus can be a painful process, but you can learn a few tricks to save time.

There are both good and bad ways to buy insurance and we’ll show you the proper way to compare rates for a new or used Ford and obtain the lowest possible price either online or from local insurance agents.

Smart consumers take time to check insurance prices yearly because prices change quite often. If you had the lowest rates on Taurus coverage on your last policy you will most likely find a better rate today. There is too much inaccurate information about insurance online but by reading this article, you’re going to learn a lot of great tips on how to stop overpaying for insurance.

Cut your auto insurance rates with discounts

Car insurance is not cheap, buy you may qualify for discounts to reduce the price significantly. Some discounts apply automatically when you get a quote, but some may not be applied and must be asked for in order for you to get them. If you don’t get every credit possible, you are throwing money away.

  • Lower Rates for Military – Having a deployed family member could be rewarded with lower premiums.
  • Auto/Home Discount – If you have multiple policies with the same insurance company you may save approximately 10% to 15%.
  • Good Student – Performing well in school can be rewarded with saving of up to 25%. The discount lasts until age 25.
  • Accident Free – Drivers who don’t have accidents pay less when compared with frequent claim filers.
  • Federal Employees – Simply working for the federal government may qualify you for a discount on Taurus coverage with a few auto insurance companies.
  • Early Signing – Some insurance companies reward drivers for signing up before your current policy expires. This can save 10% or more.
  • Pay Now and Pay Less – If you pay your bill all at once instead of making monthly payments you could save up to 5%.

It’s important to understand that most of the big mark downs will not be given to the entire cost. Some only reduce individual premiums such as comp or med pay. So despite the fact that it appears you can get free auto insurance, you won’t be that lucky. Any amount of discount will reduce the cost of coverage.

Insurance companies that possibly offer these benefits include:

It’s a good idea to ask every prospective company how you can save money. All car insurance discounts might not apply in every state.

Elements that influence Ford Taurus insurance rates

Consumers need to have an understanding of the rating factors that come into play when calculating insurance coverage rates. When you know what positively or negatively influences your rates enables informed choices that may reward you with big savings.

  • Do you know your deductibles? – Deductibles for physical damage represent how much money you are willing to pay if you file a covered claim. Physical damage insurance, otherwise known as comp (or other than collision) and collision, insures against damage to your car. A few examples of covered claims are colliding with a building, collision with an animal, and rolling your vehicle. The more you have to pay, the less your insurance coverage will be on Taurus coverage.
  • Always keep insurance in force – Having an insurance coverage lapse will be a sure-fire way to increase your insurance coverage rates. Not only will rates go up, getting caught without coverage may earn you a hefty fine and possibly a revoked license.Then you may be required to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.
  • Do men or women drive better? – Statistics show that women are safer drivers than men. However, don’t assume that men are worse drivers. Men and women cause accidents at a similar rate, but men cause more damage and cost insurance companies more money. Men also receive more costly citations such as DWI and reckless driving.
  • Car features impact rates – Choosing a vehicle that has an advanced theft prevention system can get you a discount on your insurance coverage. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart auto theft.

You are unique and your insurance coverage should be too

When it comes to choosing coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is unique.

For example, these questions can aid in determining whether your personal situation might need an agent’s assistance.

  • Is there coverage for injuries to my pets?
  • Is business equipment covered while in my vehicle?
  • Am I getting all the discounts available?
  • Should I buy full coverage?
  • Will my rates increase for filing one claim?
  • I have a DUI can I still get coverage?
  • Can I afford low physical damage deductibles?
  • Do all my vehicles need collision coverage?
  • What if I owe more than I can insure my car for?
  • How much underlying liability do I need for an umbrella policy?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form. It is quick, free and can help protect your family.

Car insurance coverage information

Learning about specific coverages of a car insurance policy helps when choosing the best coverages for your vehicles. The terms used in a policy can be confusing and reading a policy is terribly boring.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as damage from flooding, theft, a tree branch falling on your vehicle, hitting a deer and damage from a tornado or hurricane. The most your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision – Collision coverage pays for damage to your Taurus caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like sideswiping another vehicle, scraping a guard rail, crashing into a ditch, colliding with another moving vehicle and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. You can also choose a higher deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance – This provides protection when the “other guys” either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred 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. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently these limits do not exceed the liability coverage limits.

Liability coverages – Liability insurance will cover injuries or damage you cause to people or other property that is your fault. It protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as repair costs for stationary objects, repair bills for other people’s vehicles, pain and suffering and emergency aid. The amount of liability coverage you purchase is a personal decision, but consider buying as large an amount as possible.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like hospital visits, rehabilitation expenses, dental work and EMT expenses. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants in addition to being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

You can do this!

We just presented a lot of techniques to get a better price on 2011 Ford Taurus insurance. The most important thing to understand is the more providers you compare, the better likelihood of reducing your rate. You may be surprised to find that the most savings is with a smaller regional carrier.

When trying to cut insurance costs, do not skimp on coverage in order to save money. In many instances, someone sacrificed collision coverage only to regret that it was a big error on their part. Your focus should be to find the BEST coverage at a price you can afford while still protecting your assets.

Cheaper insurance can be purchased online and also from your neighborhood agents, and you should be comparing both so you have a total pricing picture. Some insurance providers may not provide online quoting and these smaller companies work with independent agents.

Additional detailed information is located at these sites: