1996 Ford Taurus Insurance Rates – 5 Tips for Cheapest Quotes

Looking for cheaper insurance coverage rates for your Ford Taurus? I can’t think of a single person who enjoys paying for insurance coverage, particularly when their premiums are through the roof.

There are many insurers to buy insurance from, and even though it’s nice to have multiple companies, it can be more difficult to compare rates and find the lowest cost insurance coverage.

You need to get comparison quotes periodically since insurance rates are rarely the same from one policy term to another. Just because you had the best price on Taurus insurance six months ago a different company probably has better rates today. There is too much inaccurate information about insurance coverage online, so with this article, you’re going to get some excellent ideas to reduce your insurance coverage bill.

Buying car insurance is easy if you know what you’re doing. Just about everyone who is required by state law to have auto insurance most likely will be able to lower their premiums. But car owners can benefit from knowing the way insurance companies compete online because it can help you find the best coverage.

The best way we recommend to compare insurance rates from multiple companies takes advantage of the fact most insurance companies participate in online systems to provide you with a free rate quote. To begin a comparison, all you need to do is provide a small amount of information including whether you have decent credit, the ages of drivers, whether or not you need a SR-22, and the make and model of your vehicles. Your insurance information is instantly submitted to all major companies and you get price estimates very quickly.

To start a quote now, click here and enter the information requested.

Do auto insurance companies bend the truth?

Auto insurance companies such as State Farm, Geico and Progressive regularly use ads on TV and radio. They all seem to make the same claim of big savings if you move your coverage to them. How do they all make almost identical claims? It’s all in the numbers.

All the different companies are able to cherry pick for the type of driver that is profitable for them. For example, a profitable customer could possibly be over the age of 40, owns a home, and has a short commute. A customer getting a price quote that hits that “sweet spot” gets the lowest rates and is almost guaranteed to save when switching.

Potential customers who do not match these standards will be charged higher prices which leads to business not being written. Company advertisements say “drivers who switch” not “everyone that quotes” save that kind of money. This is how insurance companies can make those claims. That is why drivers should compare many company’s rates. Because you never know the company that will provide you with the cheapest Ford Taurus insurance rates.

Are you getting all your discounts?

Companies do not list all their discounts in a way that’s easy to find, so we took the time to find both the well known as well as the least known savings tricks you should be using.

  • Auto/Life Discount – Larger companies have a discount if you purchase a life insurance policy as well.
  • Seat Belts Save – Using a seat belt and requiring all passengers to use their safety belts can save up to 15% on the medical payments or PIP coverage costs.
  • Theft Prevention Discount – Anti-theft and alarm systems help deter theft and will save you 10% or more.
  • Accident Forgiveness – Some insurance companies will allow you to have one accident before raising your premiums so long as you haven’t had any claims for a set time period.
  • Defensive Driver – Successfully completing a course teaching defensive driving skills could possibly earn you a 5% discount and easily recoup the cost of the course.

A little note about advertised discounts, some credits don’t apply to your bottom line cost. Some only reduce individual premiums such as physical damage coverage or medical payments. Just because it seems like adding up those discounts means a free policy, companies don’t profit that way.

To see a list of companies with discount car insurance rates, click here.

When might I need an agent?

When buying the right insurance coverage, there really is not a “best” method to buy coverage. Everyone’s situation is unique so this has to be addressed. Here are some questions about coverages that can aid in determining whether or not you would benefit from professional advice.

  • Am I covered if I break a side mirror?
  • Is my cargo covered for damage or theft?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • How do I insure my teen driver?
  • Do I need replacement cost coverage?
  • Does my car insurance cover rental cars?
  • Am I better off with higher deductibles on my 1996 Ford Taurus?
  • Are all vehicle passengers covered by medical payments coverage?
  • Why is insurance for a teen driver so high?
  • How high should my medical payments coverage be?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Coverages available on your policy

Knowing the specifics of a car insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Listed below are typical coverages found on most car insurance policies.

UM/UIM Coverage

This gives you protection when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Ford Taurus.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as sustaining damage from a pot hole, damaging your car on a curb, driving through your garage door, hitting a parking meter and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.

Comprehensive or Other Than Collision

Comprehensive insurance covers 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 can pay for things like damage from flooding, theft, vandalism and damage from a tornado or hurricane. The most your car insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as prosthetic devices, chiropractic care, X-ray expenses, pain medications and rehabilitation expenses. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. It covers all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Auto liability

This coverage will cover damage or injury you incur to other’s property or people. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims like legal defense fees, funeral expenses and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible.

Keep this in mind

Low-cost 1996 Ford Taurus insurance is definitely available from both online companies and with local insurance agents, and you should be comparing both to get a complete price analysis. Some car insurance companies do not offer you the ability to get quotes online and these smaller companies work with independent agents.

When buying insurance coverage, do not reduce coverage to reduce premium. There have been many cases where an insured dropped uninsured motorist or liability limits only to discover later they didn’t purchase enough coverage. The aim is to find the BEST coverage at the best price, not the least amount of coverage.

We just showed you a lot of tips how to lower your insurance rates. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. Drivers may discover the lowest rates come from a lesser-known regional company. These companies may have significantly lower rates on certain market segments than the large multi-state companies such as State Farm, Geico and Nationwide.

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