Looking for cheaper auto insurance rates? Shoppers have lots of choices when shopping for the best price on Ford Taurus insurance. They can either waste time struggling with agents to compare prices or save time using the internet to get rate quotes. There is a right way and a wrong way to buy auto insurance and we’ll show you the best way to quote coverages for a Ford and locate the best price possible.
If you have a policy now or need new coverage, you can use these tips to find better prices and still get good coverage. The purpose of this post is to help educate you on the best way to quote coverages and some tips to save money. Drivers just need to learn how to get comparison rates online.
Reducing your 1991 Ford Taurus insurance rates is surprisingly easy. You just have to take a couple of minutes to get quotes from different insurance companies. This can be accomplished using a couple different methods.
For a handy list of car insurance company links in your area, click here.
It doesn’t matter which method you choose, just ensure you’re using apples-to-apples deductibles and coverage limits on every quote. If the quotes have different liability limits it’s impossible to determine which rate is truly the best.
Companies that sell car insurance don’t always list all available discounts in a way that’s easy to find, so we break down both the well known and the more hidden savings tricks you should be using. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.
Drivers should understand that most discounts do not apply the the whole policy. Most only reduce the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears adding up those discounts means a free policy, you won’t be that lucky.
Insurance companies that may have some of the above discounts may include but are not limited to:
Before buying, ask every prospective company which discounts they offer. Discounts may not apply in your state.
When buying proper insurance coverage, there really is not a single plan that fits everyone. Every insured’s situation is different.
Here are some questions about coverages that may help you determine if your situation may require specific advice.
If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and may give you better protection.
Learning about specific coverages of insurance aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement.
Liability auto insurance – This will cover injuries or damage you cause to other people or property that is your fault. This coverage protects you against claims from other people. 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 liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.
Liability coverage pays for claims such as emergency aid, legal defense fees and medical expenses. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible.
Protection from uninsured/underinsured drivers – Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Ford Taurus.
Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.
Comprehensive (Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive insurance covers claims like hitting a bird, hail damage, damage from flooding and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.
Collision coverage – Collision insurance will pay to fix damage to your Taurus from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.
Collision coverage protects against things like driving through your garage door, hitting a mailbox, damaging your car on a curb, hitting a parking meter and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.
Medical expense insurance – Coverage for medical payments and/or PIP reimburse you for bills like surgery, pain medications and hospital visits. They are used in conjunction with a health insurance program or if you lack health insurance entirely. They cover you and your occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage