Buyers have options when searching for affordable Ford Taurus insurance. You can either waste hours contacting agents getting price quotes or leverage the internet to make rate comparisons.
There is a right way and a wrong way to compare auto insurance rates so we’re going to tell you the quickest way to price shop coverage for a new or used Ford and get the cheapest rates.
You should make it a habit to compare rates occasionally because rates are rarely the same from one policy term to another. Just because you had the best rates on Taurus coverage two years ago a different company probably has better rates today. Starting right now, forget anything you know (or think you know) about auto insurance because it’s time to teach you how to quote online to properly buy coverages and cut your premium.
There are several ways to compare quotes and find the best price. The recommended way to find competitive Ford Taurus insurance rates is simply to get online rate quotes. This is very easy and can be done in a couple of different ways.
It doesn’t matter which method you choose, just make darn sure you compare apples-to-apples information on every quote. If the quotes have unequal deductibles or liability limits it’s impossible to truly determine the lowest rate. Just a small difference in coverages can result in a big premium difference. Keep in mind that comparing more company’s prices will enable you to find the best offered rates.
Properly insuring your vehicles can get expensive, but you can get discounts to reduce the price significantly. Some trigger automatically at the time of purchase, but less common discounts must be asked about before you will receive the discount.
Consumers should know that most discount credits are not given to the entire policy premium. Most only cut the cost of specific coverages such as medical payments or collision. So even though they make it sound like you would end up receiving a 100% discount, you’re out of luck. But any discount will cut the cost of coverage.
To see a list of companies with the best auto insurance discounts, click here.
When buying the right insurance coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s situation is a little different.
For example, these questions could help you determine if your insurance needs could use an agent’s help.
If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, complete this form.
Understanding the coverages of auto insurance aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.
Medical costs insurance
Med pay and PIP coverage kick in for short-term medical expenses like dental work, prosthetic devices and chiropractic care. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay
Comprehensive or Other Than Collision
This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for claims such as fire damage, damage from getting keyed and hitting a bird. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.
Liability auto insurance
This coverage can cover damage or injury you incur to other people or property. It protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Alternatively, you may have a combined limit that pays claims from the same limit rather than limiting it on a per person basis.
Liability coverage protects against claims like attorney fees, loss of income and pain and suffering. The amount of liability coverage you purchase is your choice, but consider buying as large an amount as possible.
This coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Ford Taurus.
Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Normally these coverages do not exceed the liability coverage limits.
Collision coverage will pay to fix damage to your Taurus resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.
Collision coverage pays for claims such as sideswiping another vehicle, sustaining damage from a pot hole, damaging your car on a curb and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to increase the deductible to bring the cost down.