Lower Your 2013 Ford Taurus Insurance Cost

Looking for lower auto insurance rates for your Ford Taurus? Feel like you’re a prisoner to overpriced auto insurance? Believe me, you’re not the only one. Because you have many auto insurance companies to choose from, it is very difficult to find the cheapest company.

You should make it a habit to compare prices periodically because prices are usually higher with each renewal. Just because you had the best rates on Taurus insurance a couple years back the chances are good that you can find a lower rate today. Don’t believe everything you read about auto insurance on the web, but we’re going to give you some of the best ways to save money.

Pay less by taking advantage of discounts

Companies that sell car insurance don’t list all their discounts very clearly, so here is a list both the well known as well as the least known savings tricks you should be using. If you’re not getting every credit possible, you are throwing money away.

  • Multiple Policy Discount – If you have multiple policies with one insurance company you may save 10% to 20% off each policy.
  • Sign Online – A handful of insurance companies may give you up to $50 for buying a policy and signing up over the internet.
  • Military Rewards – Having a family member in the military may qualify for rate reductions.
  • Low Mileage – Fewer annual miles on your Ford can earn a substantially lower rate.
  • Government Employees – Active or retired federal employment may qualify you for a discount on Taurus insurance with a few car insurance companies.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and qualify for as much as a 10% discount.
  • Air Bag Discount – Factory air bags can qualify for discounts of up to 25% or more.
  • Distant Student – Children who live away from home and don’t have a car may qualify for this discount.

As a disclaimer on discounts, most discount credits are not given to the overall cost of the policy. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears you can get free auto insurance, you’re out of luck.

A partial list of companies that may have these money-saving discounts include:

Before buying, ask all companies you are considering what discounts are available to you. Savings might not be offered in your area.

Your coverage should be tailored to you

When it comes to buying the right insurance coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s needs are different and your policy should reflect that. For example, these questions might point out if your situation might need an agent’s assistance.

  • What are the financial responsibility laws in my state?
  • When can I cancel my policy?
  • Does my policy cover me when driving someone else’s vehicle?
  • Am I covered when driving in Canada or Mexico?
  • Will my rates increase for filing one claim?
  • Does my 2013 Ford Taurus need full coverage?
  • When should I not file a claim?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It’s fast, free and may give you better protection.

Parts of your insurance policy

Knowing the specifics of a insurance policy helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverages found on most insurance policies.

Liability insurance

This will cover damages or injuries you inflict on a person or their property by causing an accident. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 which means $100,000 bodily injury coverage, 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 can pay for things such as funeral expenses, medical expenses, pain and suffering and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as much as you can afford.

Medical expense coverage

Medical payments and Personal Injury Protection insurance pay for expenses like X-ray expenses, surgery and dental work. They are often used to fill the gap from your health insurance program or if you do not have health coverage. They cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Comprehensive protection

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as a broken windshield, hitting a bird, theft and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverage protection

Collision insurance will pay to fix damage to your Taurus resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as scraping a guard rail, sideswiping another vehicle and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Ford Taurus.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

In conclusion

You just read many tips how you can save on 2013 Ford Taurus insurance. It’s most important to understand that the more price quotes you have, the better chance you’ll have of finding lower rates. Drivers may discover the lowest rates come from the least-expected company. Smaller companies often have lower prices on specific markets compared to the large companies like State Farm, GEICO and Nationwide.

When shopping online for car insurance, make sure you don’t reduce coverage to reduce premium. There are too many instances where an insured dropped liability limits or collision coverage only to discover later that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.

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