2011 Ford Taurus Car Insurance Rates – 7 Ways to Save

Nobody I know looks forward to paying for car insurance, in particular when the price is too high. Drivers have multiple insurance companies to pick from, and although it’s nice to be able to choose, having more insurance companies makes it harder to compare rates and find the lowest cost car insurance.

Are you getting all your discounts?

Companies offering auto insurance do not advertise every available discount in an easy-to-find place, so we break down both well-publicized as well as the least known discounts you could be receiving. If they aren’t giving you every credit you deserve, you’re paying more than you need to.

  • Government Employees – Employees or retirees of the government may qualify you for a discount for Taurus insurance depending on your company.
  • Accident Waiver – A few companies will forgive one accident before raising your premiums if your claims history is clear for a certain period of time.
  • Military Rewards – Having a deployed family member can result in better rates.
  • Payment Discounts – If you pay your bill all at once rather than paying monthly you can actually save on your bill.
  • Homeowners Savings – Simply owning a home can save you money because of the fact that having a home is proof that your finances are in order.
  • Air Bag Discount – Cars that have air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
  • Driver Safety – Taking part in a course in driver safety could cut 5% off your bill if you qualify.

Keep in mind that most of the big mark downs will not be given the the whole policy. Most only apply to the price of certain insurance coverages like comp or med pay. So when it seems like you can get free auto insurance, it doesn’t quite work that way.

A partial list of companies who might offer some of the above discounts are:

Double check with each company which discounts you may be entitled to. Savings may not apply in your area.

Quick Car Insurance Quotes

There are a variety of methods to compare 2011 Ford Taurus car insurance prices and some are easier and takes less work. You could waste time talking about coverages with local insurance agents in your area, or you can stay home and use the web for quick rates.

Most of the best insurance companies participate in an industry program that enables customers to enter their policy data once, and each company can provide price quotes based on that information. This system prevents you from having to do quote forms for every car insurance company.

To find out how much you’re overpaying now click here to open in new window.

The only downside to pricing coverage this way is that you can’t choose which companies you will receive quotes from. If you prefer to choose specific providers to compare, we have a page of companies who write car insurance in your area. View list of insurance companies.

Whichever method you choose, make darn sure you compare the exact same quote information on every quote you get. If your comparisons have different limits and deductibles on each one it will be very difficult to determine the lowest rate for your Ford Taurus.

When might I need an agent?

When choosing adequate coverage for your vehicles, there really is no “best” method to buy coverage. Each situation is unique so your insurance needs to address that. These are some specific questions might help in determining if you may require specific advice.

  • Is extra glass coverage worth it?
  • When should I drop full coverage on my 2011 Ford Taurus?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • If I drive on a suspended license am I covered?
  • What is the ISO rating for a 2011 Ford Taurus?
  • What is roadside assistance coverage?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Should I waive the damage coverage when renting a car?
  • Do I need to file an SR-22 for a DUI in my state?
  • Should I carry comprehensive and collision coverage?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area. It’s fast, free and may give you better protection.

Insurance policy coverages for a 2011 Ford Taurus

Having a good grasp of a insurance policy can help you determine which coverages you need at the best deductibles and correct limits. Insurance terms can be ambiguous and reading a policy is terribly boring. Listed below are typical coverage types available from insurance companies.

Collision coverage – This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like colliding with a tree, sideswiping another vehicle, driving through your garage door, crashing into a building and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.

Comprehensive coverages – This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as damage from getting keyed, fire damage and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage – This coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your 2011 Ford Taurus.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is very important.

Liability coverages – Liability insurance protects you from injuries or damage you cause to other’s property or people in an accident. It protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability can pay for claims such as pain and suffering, loss of income, emergency aid, court costs and medical services. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as prosthetic devices, chiropractic care, nursing services, rehabilitation expenses and EMT expenses. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers you and your occupants and also covers any family member struck as a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Save your hard earned cash

You just learned some good ideas how to save on 2011 Ford Taurus insurance. It’s most important to understand that the more providers you compare, the better your chances of lowering your rates. Drivers may discover the biggest savings come from a small local company. Regional companies can often insure niche markets at a lower cost than the large multi-state companies such as Allstate or State Farm.

Lower-priced insurance can be found both online as well as from independent agents, and you need to price shop both to have the best rate selection. Some insurance companies don’t offer the ability to get a quote online and these regional insurance providers work with independent agents.

To learn more, feel free to browse the resources below: