View 2013 Ford Taurus Insurance Rates

No one in their right mind cherishes buying car insurance, especially when they are paying too much. Insurance companies such as Geico, 21st Century and Progressive continually hit you with fancy advertisements and it is difficult to avoid their marketing magic and do the work needed to find the best deal.

It’s a good habit to check car insurance prices at least once a year because insurance rates are variable and change quite frequently. If you had the best price for Taurus insurance on your last policy you can probably find a lower rate today. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to the proper way to reduce your cost while improving coverage.

If you are insured now or need a new policy, you can use these techniques to reduce the price you pay while maintaining coverages. Finding the best rates is not rocket science. Drivers just need to know how to compare rates over the internet.

Compare Auto Insurance Today

All major auto insurance companies such as Geico, State Farm and Progressive give price estimates on their websites. Getting online rates is fairly simple as you simply enter the coverage amounts you desire into the quote form. Behind the scenes, their rating system orders your driving record and credit report and generates a price based on these factors. Being able to quote online makes it a lot easier to compare rates but having to visit multiple sites and type in the same information can get tiresome after awhile. Unfortunately, it is important to get many rate quotes if you want to find a better rate.

Quote rates the easy way

The quickest way to lower your auto insurance bill makes use of a single form that analyzes rates from several different companies. It saves time, helps eliminate reptitive entry, and makes comparison shopping much simpler. After your information is entered, it is rated and you can choose your choice of the returned quotes. If a lower price is quoted, you can simply submit the application and purchase coverage. It only takes a few minutes and could lower your rates considerably.

To save time and find out how much you’re overpaying now, simply click here to open in new window and begin entering your coverage information. If you currently have coverage, we recommend you input the insurance coverages exactly as they are listed on your policy. Using the same limits helps guarantee you will have a price comparison based on identical coverages.

It’s not one size fits all

When it comes to buying the best car insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Every insured’s situation is different so your insurance should reflect that For example, these questions might help in determining if you will benefit from professional help.

• Do I need higher collision deductibles?
• Are split liability limits better than a combined single limit?
• Why am I required to buy liability insurance?
• Should I file a claim if it’s only slightly more than my deductible?
• Do I have any recourse if my insurance company denies a claim?
• Does my 2013 Ford Taurus qualify for pleasure use?
• How does medical payments coverage work?
• When can I cancel my policy?
• Does liability extend to a camper or trailer?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Insurance policy specifics

Understanding the coverages of insurance helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages offered by insurance companies.

Comprehensive coverage – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as damage from getting keyed, theft and hitting a deer. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverages – Collision coverage covers damage to your Taurus caused by collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as crashing into a ditch, crashing into a building, sustaining damage from a pot hole and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. You can also choose a higher deductible in order to get cheaper collision rates.

Auto liability – 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, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things like loss of income, court costs and bail bonds. The amount of liability coverage you purchase is a personal decision, but consider buying higher limits if possible.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP pay for bills such as surgery, doctor visits, rehabilitation expenses and nursing services. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle when the “other guys” 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 have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.