Save on 2002 Ford Taurus Insurance Cost

Looking for better car insurance rates for your Ford Taurus? Finding better insurance prices for a Ford Taurus can normally be a painful process, but you can use a few tricks and make it easy. There is a better way to buy car insurance and we’ll show you the proper way to get price quotes for a new or used Ford and get the cheapest rates from local insurance agents and online providers.

It’s a great practice to check car insurance prices yearly since rates go up and down regularly. Even if you think you had the lowest rates for Taurus insurance a few years ago you can probably find a better price now. Forget anything you know (or think you know) about car insurance because you’re about to learn one of the easiest ways to get good coverage at a lower rate.

These discounts can slash car insurance rates

Companies offering auto insurance do not list all available discounts in a way that’s easy to find, so we break down both the well known and the more hidden car insurance savings. If you aren’t receiving every discount possible, you’re paying more than you need to.

  • Sign Early and Save – A few companies offer discounts for signing up before your current policy expires. It can save you around 10%.
  • Homeowners Savings – Simply owning a home may trigger a car insurance policy discount because of the fact that having a home demonstrates responsibility.
  • Low Mileage – Driving fewer miles can qualify you for a substantially lower rate.
  • Discounts for Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates for Taurus insurance than less cautious drivers.
  • Lower Rates for Military – Having a family member in the military could mean lower rates.
  • Use Seat Belts – 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.

It’s important to understand that most discount credits are not given to the entire policy premium. Most only reduce specific coverage prices like liability, collision or medical payments. So despite the fact that it appears you could get a free car insurance policy, companies don’t profit that way.

For a list of insurance companies with discount car insurance rates, click this link.

How to Compare Auto Insurance Quotes

Cutting your auto insurance rates is a fairly straight forward process. Consumers just need to take the time comparing rates online from several insurance companies. This can be accomplished in a couple of different ways.

  • The recommended way to get quotes for comparison would be an industry-wide quote request form click here to open form in new window. This easy form prevents you from having to do multiple quote forms for every auto insurance company. In just a few minutes this one form gets rate comparisons from several companies. It’s definitely the quickest method.
  • A less efficient way to shop for auto insurance online is to take the time to go to the website of each company to request a price quote. For sake of this example, let’s say you want comparison quotes from Auto-Owners, Esurance and State Farm. To get each rate you have to take the time to go to each site to enter your coverage information, and that’s why the first method is more popular.

    To view a list of companies in your area, click here.

Whichever way you use, make absolute certain that you use apples-to-apples coverages with every price quote. If you enter different liability limits it’s impossible to truly determine the lowest rate.

When might I need the advice of an agent?

When choosing the best insurance coverage coverage, there is no cookie cutter policy. Everyone’s needs are different.

Here are some questions about coverages that may help highlight if your insurance needs may require specific advice.

  • How high should my medical payments coverage be?
  • Am I getting all the discounts available?
  • Do I need to file an SR-22 for a DUI in my state?
  • Is my cargo covered for damage or theft?
  • I have good health insurance, so how much medical payments coverage do I need?
  • When can my company non-renew my policy?
  • How can I force my company to pay a claim?
  • What if I owe more than I can insure my car for?
  • Will my insurance pay for OEM parts?

If you’re not sure about those questions, you might consider talking to an insurance agent. To find an agent in your area, complete this form. It is quick, free and you can get the answers you need.

Learn about insurance coverages for a 2002 Ford Taurus

Knowing the specifics of insurance can help you determine which coverages you need for your vehicles. Insurance terms can be ambiguous and coverage can change by endorsement.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your 2002 Ford Taurus.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Collision coverage protection

Collision coverage will pay to fix damage to your Taurus resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims like colliding with another moving vehicle, damaging your car on a curb and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. You can also increase the deductible in order to get cheaper collision rates.

Medical expense coverage

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like rehabilitation expenses, ambulance fees and EMT expenses. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability auto insurance

Liability insurance will cover damages or injuries you inflict on a person or their property. It protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage protects against things such as repair costs for stationary objects, medical expenses and court costs. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford.

Comprehensive protection

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as theft, damage from a tornado or hurricane, fire damage and hitting a bird. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Shop around and save

As you prepare to switch companies, it’s not a good idea to buy poor coverage just to save money. In many instances, someone dropped liability limits or collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy enough coverage at an affordable rate while still protecting your assets.

Cheaper 2002 Ford Taurus insurance can be purchased both online and also from your neighborhood agents, and you need to price shop both in order to have the best price selection to choose from. Some companies may not provide the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

We just showed you some good ideas how you can save on insurance. The key thing to remember is the more quotes you get, the better your chances of lowering your rates. Consumers may even find the biggest savings come from the smaller companies.

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