Compare 1992 Ford Taurus Insurance Quotes

Looking for better auto insurance rates for your Ford Taurus? Finding low-cost auto insurance on the web is challenging for beginners to comparing rates online. With a ridiculous number of insurance companies available, how can consumers even start to compare every company to locate the cheapest available price?

How to Buy Insurance Online

There are a variety of methods you can shop for 1992 Ford Taurus insurance but there is one way that is easier and takes less work. You could spend your day talking to insurance companies in your area, or you can stay home and use online quotes to accomplish the same thing much quicker.

The majority of car insurance companies enroll in a system that enables customers to submit one quote, and each participating company then returns a price quote for coverage. This prevents consumers from doing quotation requests to each individual insurance company.

To participate in this free quote system, click here to open in new window.

One minor caviat to doing it this way is you are unable to specify which insurance companies you want to price. So if you want to choose specific providers to request quotes from, we have assembled a list of the cheapest insurance companies in your area. Click here for list of insurance companies.

Whichever way you use, be sure to compare identical deductibles and coverage limits on every quote you get. If you are comparing unequal deductibles or liability limits it will be impossible to truly determine the lowest rate. Having just a slight variation in coverage limits may result in large price differences. And when price shopping your coverage, getting more free quotes helps you find the best price.

Best discounts on 1992 Ford Taurus coverage

Companies don’t always advertise every available discount very well, so we took the time to find both well-publicized and the more hidden auto insurance savings.

  • Early Signing – A few companies offer discounts for switching policies before your current expiration date. This can save 10% or more.
  • Payment Method – If you pay your entire premium ahead of time instead of making monthly payments you could save 5% or more.
  • Homeowners Discount – Owning a house can save you money due to the fact that maintaining a home demonstrates responsibility.
  • Multiple Vehicles – Buying insurance for multiple vehicles on one policy qualifies for this discount.
  • Good Student Discount – This discount can get you a discount of up to 25%. The good student discount can last up to age 25.
  • Save with a New Car – Putting insurance coverage on a new car can save up to 30% due to better safety requirements for new cars.

As a disclaimer on discounts, many deductions do not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like comp or med pay. Just because it seems like you can get free auto insurance, it doesn’t quite work that way.

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

It’s a good idea to ask each insurance company which discounts you may be entitled to. Discounts might not be offered in every state.

Tailor your coverage to you

When it comes to choosing the best auto insurance coverage, there is no cookie cutter policy. Every insured’s situation is different.

Here are some questions about coverages that might point out if you would benefit from an agent’s advice.

  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Is extra glass coverage worth it?
  • What are the financial responsibility laws in my state?
  • What is roadside assistance coverage?
  • Does insurance cover damages from a DUI accident?
  • Does having multiple vehicles earn me a discount?
  • Am I covered by my spouse’s policy after a separation?
  • Should I waive the damage coverage when renting a car?
  • Can I drive in Mexico and have coverage?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form.

Car insurance coverage options for a 1992 Ford Taurus

Understanding the coverages of car insurance helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Liability auto insurance

This coverage can cover injuries or damage you cause to other’s property or people that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show 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.

Liability can pay for claims such as loss of income, emergency aid, bail bonds and medical services. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as large an amount as possible.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like crashing into a building, rolling your car, colliding with another moving vehicle, backing into a parked car and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Ford Taurus.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive car insurance

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims like damage from a tornado or hurricane, hail damage, damage from getting keyed, damage from flooding and a broken windshield. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for bills for things like nursing services, dental work, rehabilitation expenses, funeral costs and doctor visits. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

A little work can save a LOT of money

You just read a lot of tips how to compare 1992 Ford Taurus insurance prices online. The most important thing to understand is the more rate quotes you have, the better likelihood of reducing your rate. Consumers may even find the lowest priced insurance comes from the smaller companies.

Consumers change insurance companies for any number of reasons including extreme rates for teen drivers, policy non-renewal, delays in paying claims or even policy cancellation. Regardless of your reason, finding a great new company is pretty simple and you could end up saving a buck or two.

Budget-conscious insurance can be bought online and with local insurance agents, and you need to price shop both to have the best selection. Some companies do not offer you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

Much more information about insurance is located on the following sites: