Cheaper 1997 Ford Taurus Insurance Quotes

Want cheaper insurance coverage rates for your Ford Taurus? Consumers who are new to comparison shopping online could find buying low-cost insurance coverage is more work than they anticipated.

It’s a great practice to take a look at other company’s rates at least once a year since rates are rarely the same from one policy term to another. Even if you think you had the lowest rates on Taurus coverage a few years ago you can probably find a better price now. Forget anything you know (or think you know) about insurance coverage because you’re about to learn how to use online quotes to get good coverage at a lower rate.

Cheap Car Insurance Comparisons

Shopping for lower car insurance rates can be a daunting task if you don’t utilize the easiest way. You can spend countless hours talking about coverages with agents in your area, or you could save time and use the web for quick rates.

Many companies participate in an industry program that enables customers to enter their coverage request one time, and at least one company then gives them pricing based on that data. This eliminates the need for repetitive form submissions for every car insurance company.

To compare 1997 Ford Taurus rates now click here to open in new window.

The single downside to comparing rates this way is buyers cannot specifically choose which companies to get quotes from. So if you prefer to choose specific providers to request quotes from, we put together a list of companies who write car insurance in your area. Click to view list.

It’s up to you how you get prices quotes, just double check that you are using identical coverage limits with every price quote. If you use higher or lower deductibles it will be next to impossible to make an equal comparison. Just a small difference in insurance coverages could mean much higher rates. And when quoting car insurance, remember that more quotes will increase your chances of finding lower pricing.

Tailor your coverage to you

When it comes to choosing the best auto insurance coverage, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that could help you determine whether your personal situation will benefit from professional help.

  • Is pleasure use cheaper than using my 1997 Ford Taurus to commute?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Is my custom paint covered by insurance?
  • What is UM/UIM insurance?
  • Is upholstery damage covered by car insurance?
  • Am I covered if I drive in a foreign country?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.

Parts of your insurance policy

Having a good grasp of insurance can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Collision coverage protection

Collision insurance pays for damage to your Taurus from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims like hitting a mailbox, sideswiping another vehicle, hitting a parking meter, colliding with another moving vehicle and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also bump up the deductible to get cheaper collision coverage.

Auto liability insurance

Liability coverage can cover damage that occurs to other people or property by causing an accident. It protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things like repair bills for other people’s vehicles, medical services, attorney fees, legal defense fees and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but you should buy as high a limit as you can afford.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like damage from flooding, fire damage, falling objects, damage from a tornado or hurricane and rock chips in glass. The most your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for expenses for funeral costs, nursing services, surgery and pain medications. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your 1997 Ford Taurus.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.