Cheaper 1998 Ford Taurus Car Insurance Quotes

I can’t think of a single person who likes having to buy insurance, in particular when the price is too high. Drivers have so many car insurance companies to insure vehicles with, and even though it’s nice to have a selection, it can be more challenging to compare company pricing.

It’s a good idea to compare prices occasionally because rates are adjusted regularly by insurance companies. Even if you got the best deal on Taurus insurance two years ago you may be paying too much now. You’ll find quite a bit of inaccurate information about insurance on the internet, so with this article, you’re going to get some excellent ideas to buy insurance cheaper.

Choosing the best insurance company for you is not that difficult. If you are insured now or are looking for a new policy, you can follow these tips to find better prices and possibly find even better coverage. Consumers just need to understand the most efficient way to compare rates online.

How to reduce 1998 Ford Taurus insurance rates

Companies don’t list every discount very well, so we break down some of the more common as well as the least known savings tricks you should be using. If you don’t get every credit available, you are throwing money away.

  • Passive Restraints – Vehicles equipped with air bags or automatic seat belts can qualify for discounts up to 30%.
  • Drive Safe and Save – Drivers who don’t get into accidents may save up to 50% more on Taurus insurance than drivers with accident claims.
  • Accident Forgiveness – Some insurance companies allow you one accident without raising rates if you are claim-free for a certain period of time.
  • Student Driver Training – Cut your cost by having your teen driver enroll in driver’s education if offered at their school.
  • Safety Course Discount – Successfully completing a defensive driving course could possibly earn you a 5% discount if you qualify.
  • Paperless Signup – A few companies will give a small break for buying a policy and signing up over the internet.
  • Low Mileage Discounts – Driving fewer miles can earn a substantially lower rate.

Consumers should know that some of the credits will not apply to the entire policy premium. Most cut the price of certain insurance coverages like medical payments or collision. Just because you may think adding up those discounts means a free policy, it just doesn’t work that way.

Companies that possibly offer these benefits include:

Check with every prospective company which discounts they offer. Some discounts might not be offered everywhere.

Cheap Car Insurance Comparisons

Performing a rate comparison can be challenging if you don’t utilize the most efficient way. You could spend the better part of a day discussing policy coverages with insurance companies in your area, or you can stay home and use the web to get prices fast.

Most major companies belong to an insurance system where insurance shoppers only type in their quote data once, and at least one company returns a competitive quote based on that information. This eliminates the need for form submissions for each company you want a rate for.

To find out how much you’re overpaying now click here to start a free quote.

The only downside to getting quotes like this is you are unable to specify the insurers to receive prices from. So if you prefer to pick specific insurance companies to compare, we have assembled a list of companies who write car insurance in your area. Click here for list of insurance companies.

It’s up to you which method you use, but double check that you are using exactly the same quote information on every quote. If you have different liability limits it’s impossible to decipher which rate is best.

Complexity of Ford Taurus insurance rates

Consumers need to have an understanding of the different types of things that go into determining the price you pay for insurance. Having a good understanding of what determines base rates enables informed choices that can help you get big savings.

  • Low deductibles can be expensive – Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Ford. Examples of covered claims are collision with another vehicle, collision with an animal, and rolling your vehicle. Deductibles for physical damage are how much you are required to spend out-of-pocket before a claim is paid by your company. The more money you’re willing to pay, the less your insurance will be on Taurus insurance.
  • Your credit rating is important – Credit score is a important factor in calculating your insurance rates. So if your credit score is lower than you’d like, you could be paying less to insure your 1998 Ford Taurus by improving your rating. Drivers who have high credit scores tend to be better drivers and file fewer claims than those with poor credit.
  • One company can mean more discounts – Many insurance companies will award you with lower prices to policyholders who have multiple policies with them in the form of a multi-policy discount. Even with this discount, you still need to comparison shop to verify if the discount is saving money.
  • Older drivers pay less – Older insureds are more responsible, tend to file fewer claims and get fewer tickets. Teenage drivers have a tendency to be careless and easily distracted when behind the wheel therefore insurance rates are much higher.
  • Theft deterrents lower rates – Owning a car with a theft deterrent system can help lower your rates. Theft prevention features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent your vehicle from being stolen.
  • Pay less if you’re married – Having a wife or husband actually saves money on your insurance policy. Marriage means you’re more mature and responsible it has been statistically shown that drivers who are married are more cautious.

Tailor your coverage to you

When it comes to choosing proper insurance coverage for your personal vehicles, there really is no cookie cutter policy. Every insured’s situation is different and your policy should reflect that. For example, these questions may help you determine whether you would benefit from professional advice.

  • What is medical payments coverage?
  • Am I covered by my spouse’s policy after a separation?
  • Do I have any recourse if my insurance company denies a claim?
  • Do I have coverage if my license is suspended?
  • What is covered by UM/UIM coverage?
  • Should I rate my 1998 Ford Taurus as pleasure use or commute?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

Auto insurance coverage information

Having a good grasp of your car insurance policy aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. These are typical coverage types available from car insurance companies.

Comprehensive (Other than Collision) – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, damage from flooding and theft. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Liability – Liability insurance provides protection from damages or injuries you inflict on a person or their property. It protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability insurance covers things such as pain and suffering, medical expenses, loss of income, emergency aid and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.

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

Collision insurance covers claims like rolling your car, sideswiping another vehicle and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Medical expense insurance – Medical payments and Personal Injury Protection insurance pay for expenses such as pain medications, ambulance fees, prosthetic devices, dental work and hospital visits. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers both the driver and occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Protection from uninsured/underinsured drivers – Your UM/UIM coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Ford Taurus.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Keep this in mind

While you’re price shopping online, you should never buy lower coverage limits just to save a few bucks. There have been many cases where consumers will sacrifice liability limits or collision coverage only to find out that their decision to reduce coverage ended up costing them more. Your aim should be to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.

Discount 1998 Ford Taurus insurance can be bought on the web and with local insurance agents, and you need to comparison shop both so you have a total pricing picture. Some insurance providers do not offer the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.

In this article, we presented a lot of tips how to shop for insurance online. The most important thing to understand is the more companies you get rates for, the better chance you’ll have of finding lower rates. You may be surprised to find that the lowest rates come from an unexpected company. They may cover specific market segments cheaper as compared to the big name companies such as GEICO and State Farm.

To read more, link through to the following helpful articles: