Cheap 2017 Ford Taurus Car Insurance Rates

Buyers have lots of choices when searching for the lowest priced Ford Taurus insurance. They can either spend hours driving around getting price quotes or save time using the internet to compare rates. There is a better way to compare auto insurance rates so we’re going to tell you the absolute fastest way to compare rates on a Ford and locate the lowest price from local insurance agents and online providers.

Finding the best rates is quite easy. If you are paying for car insurance now, you stand a good chance to be able to save some money using this strategy. Consumers just need to know the most efficient way to shop for car insurance on the web.

Don’t overlook these auto insurance discounts

Companies do not advertise every available discount very clearly, so the following is a list of both well-publicized and also the more inconspicuous credits available to lower your premiums when you buy car insurance online.

  • Responsible Driver Discounts – Drivers who avoid accidents could pay up to 40% less for Taurus insurance compared to accident prone drivers.
  • Savings for New Vehicles – Buying a new car model can be considerably cheaper since newer models are generally safer.
  • More Vehicles More Savings – Insuring multiple vehicles with one company can reduce rates for all insured vehicles.
  • Auto/Life Discount – Not all auto insurance companies offer life insurance, but some may give you lower auto insurancerates if you buy some life insurance too.
  • Employee of Federal Government – Simply working for the federal government could qualify for a slight premium decrease for Taurus insurance but check with your company.
  • Active Military Service – Being on active duty in the military may qualify for rate reductions.
  • Sign Early and Save – Some auto insurance companies provide a discount for switching policies prior to your current policy expiring. Ten percent is about the average savings.
  • Seat Belts Save – Forcing all vehicle occupants to fasten their seat belts can save a little off the medical payments premium.
  • Drivers Education – It’s a good idea to have your young drivers successfully complete driver’s ed class in school.

Drivers should understand that most discounts do not apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as medical payments or collision. So even though you would think having all the discounts means you get insurance for free, that’s just not realistic.

A few companies that may have some of the discounts shown above may include but are not limited to:

It’s a good idea to ask each company or agent to give you their best rates. Some of the earlier mentioned discounts might not apply in your area. To view companies who offer cheap auto insurance quotes, click here to view.

Buy Ford Taurus insurance more affordably

Consumers need to have an understanding of some of the things that aid in calculating your insurance coverage rates. When consumers understand what determines base rates, this enables you to make decisions that may result in big savings.

  • Costs are affected by your address – Residing in small towns and rural areas is a positive aspect when talking about insurance coverage. Less people corresponds to lower accident rates. City drivers regularly have more traffic problems and longer commutes to work. The longer drive time statistically corresponds to a higher accident and claim rate.
  • Pay lower costs if you’re married – Having a wife or husband actually saves money on your policy. Marriage is viewed as being more financially stable and insurance companies reward insureds because drivers who are married are more cautious.
  • Save by driving safer vehicles – Vehicles with high crash test scores tend to have better insurance rates. Vehicles built for safety have better occupant injury protection and reduced instances of injuries means your insurance company pays less passed on to you as lower rates. If your Ford Taurus scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
  • High deductibles save money – Insurance for physical damage to your car, also called comprehensive and collision insurance, covers your vehicle from damage. Some instances where coverage would apply could be a dented fender, damage caused by hail, and damage from a fallen tree branch. Physical damage deductibles define how much you are willing to pay if a claim is determined to be covered. The larger the amount the insured has to pay upfront, the lower your rates will be for Taurus insurance.

When to get professional advice

When choosing coverage for your personal vehicles, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s.

For example, these questions could help you determine whether your personal situation could use an agent’s help.

  • How high should deductibles be on a 2017 Ford Taurus?
  • Can I afford to pay high deductible claims out of pocket?
  • How much liability do I need to cover my assets?
  • What is medical payments coverage?
  • Does insurance cover tools stolen from my truck?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • When should I remove comp and collision on my 2017 Ford Taurus?
  • Should I buy more coverage than the required minimum liability coverage?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and may give you better protection.

Educate yourself about car insurance coverages

Knowing the specifics of your car insurance policy aids in choosing appropriate coverage for your vehicles. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Ford Taurus.

Since a lot of 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.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for bills for X-ray expenses, EMT expenses, chiropractic care, hospital visits and nursing services. They are often utilized in addition to your health insurance plan or if you do not have health coverage. It covers you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Collision coverage protection

This covers damage to your Taurus from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as crashing into a building, colliding with another moving vehicle and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Liability

This coverage protects you from damage or injury you incur to other’s property or people that is your fault. It protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims like emergency aid, repair bills for other people’s vehicles, loss of income and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Comprehensive coverage

This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like damage from flooding, a tree branch falling on your vehicle and hitting a bird. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Take this to the bank

While you’re price shopping online, don’t be tempted to reduce coverage to reduce premium. There are too many instances where someone dropped uninsured motorist or liability limits to discover at claim time that the few dollars in savings costed them thousands. Your objective should be to buy enough coverage for the lowest cost while still protecting your assets.

Low-cost 2017 Ford Taurus insurance can be purchased both online as well as from insurance agents, so you need to quote car insurance with both in order to have the best chance of saving money. Some insurance companies do not offer online price quotes and usually these regional carriers only sell through independent insurance agents.

People who switch companies do it for any number of reasons including delays in responding to claim requests, denial of a claim, being labeled a high risk driver and not issuing a premium refund. Regardless of your reason for switching companies, finding a new insurance company is pretty easy and you might even save some money in the process.

Even more information can be read at these sites: