Compare 1999 Ford Taurus Car Insurance Cost

Finding low-cost insurance for a new or used Ford Taurus can be a lot of work, but you can learn these tips to make it easier.

There are both good and bad ways to find insurance coverage online and we’ll show you the absolute fastest way to compare rates for a Ford and locate the lowest possible price either online or from local insurance agents.

Locating the best coverage can be fairly easy. If you are insured now or need new coverage, you can use these techniques to find the best rates and possibly find even better coverage. Drivers only need to know the most efficient way to get comparison quotes on the web.

Free Insurance Coverage Quotes

Effectively comparing insurance coverage prices is a ton of work if you don’t utilize the most efficient way to do it. You could spend your day discussing policy coverages with insurance agencies in your area, or you could save time and use the web to achieve your goal.

Most of the best insurance companies participate in an industry program that allows shoppers to enter their coverage request one time, and each participating company returns a rated price based on that information. This prevents consumers from doing form submissions for each company.

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

One minor caviat to using this type of system is you can’t choose the insurers you will receive quotes from. If you prefer to choose from a list of companies to receive pricing from, we have a listing of low cost insurance coverage companies in your area. Click to view list.

It’s your choice how you get your quotes, but make darn sure you compare apples-to-apples information for every company. If you enter different deductibles it’s not possible to truly determine the lowest rate.

Companies offer discounts so take them!

Car insurance is not cheap, but companies offer discounts to reduce the price significantly. A few discounts will automatically apply at the time of purchase, but some may not be applied and must be inquired about before being credited. If you’re not getting every credit you deserve, you are throwing money away.

  • Safety Course Discount – Taking part in a course teaching defensive driving skills could cut 5% off your bill and easily recoup the cost of the course.
  • Safe Drivers – Safe drivers can get discounts for up to 45% lower rates for Taurus coverage than less cautious drivers.
  • Driver’s Ed – Require your teen driver to complete a driver education course in school.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of monthly or quarterly installments you may reduce your total bill.
  • Government Employees – Active or retired federal employment can save as much as 8% for Taurus coverage depending on your company.
  • New Vehicle Savings – Insuring a new car is cheaper since new cars are generally safer.

Keep in mind that some of the credits will not apply to the overall cost of the policy. Most cut the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like it’s possible to get free car insurance, companies wouldn’t make money that way. But all discounts will reduce your overall premium however.

For a list of insurers offering insurance coverage discounts, click this link.

Do I just need basic coverages?

When it comes to buying adequate coverage for your personal vehicles, there is no “perfect” insurance plan. Every situation is different.

For example, these questions could help you determine whether you might need professional guidance.

  • Is motorclub coverage worth it?
  • Am I getting all the discounts available?
  • Does car insurance cover theft of personal property?
  • Do I have coverage for damage caused while driving under the influence?
  • How many claims can I have before being cancelled?
  • When can I cancel my policy?
  • Where can I find DUI or SR-22 insurance?
  • Am I covered when pulling a rental trailer?

If you’re not sure about those questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and you can get the answers you need.

Car insurance coverages 101

Understanding the coverages 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.

Liability – Liability insurance protects you from damage that occurs to other people or property that is your fault. This coverage protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability coverage pays for things like pain and suffering, repair bills for other people’s vehicles and funeral expenses. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance provide coverage for expenses for pain medications, nursing services, funeral costs, ambulance fees and X-ray expenses. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage gives you protection from other drivers when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your 1999 Ford Taurus.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Most of the time these coverages are set the same as your liablity limits.

Collision coverages – This pays for damage to your Taurus resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims like scraping a guard rail, damaging your car on a curb and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.

Comprehensive insurance – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like damage from flooding, hitting a deer and damage from a tornado or hurricane. The most your car insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.