Lower Your 2008 Ford Taurus X Insurance Rates

Searching for better insurance rates for your Ford Taurus X? Having to pay for overpriced Ford Taurus X insurance can dwindle your personal savings and put a big crunch on your finances. Comparing price quotes is free and is an excellent way to slash your bill and have more diposable income.

Insurance companies such as Geico and Progressive continually hit you with TV and radio ads and it can be hard to not get sucked in by the cute commercials and take the time to shop coverage around.

How much can you save with discounts?

The cost of insuring your cars can be expensive, but there could be available discounts that you may not know about. A few discounts will automatically apply at the time you complete a quote, but a few must be requested specifically before they will apply.

  • Senior Discount – Mature drivers may qualify for a discount up to 10% for Taurus X coverage.
  • Fewer Miles Equal More Savings – Driving fewer miles could be rewarded with better rates on cars that stay parked.
  • Bundle and Save – If you have multiple policies with one company you may earn up to 20% off your total premium.
  • Multiple Cars – Buying insurance for all your vehicles with the same company may reduce the rate for each vehicle.
  • Payment Method – If you pay your bill all at once rather than paying monthly you could save up to 5%.
  • No Charge for an Accident – Certain companies allow you one accident before raising your premiums if your claims history is clear for a set time period.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
  • Student in College – Youth drivers who are attending college and don’t have a car may be able to be covered for less.
  • No Accidents – Claim-free drivers pay less compared to frequent claim filers.
  • New Car Discount – Insuring a new car is cheaper since new cars are generally safer.

It’s important to note that most credits do not apply the the whole policy. Most only apply to the cost of specific coverages such as comp or med pay. So even though they make it sound like having all the discounts means you get insurance for free, it doesn’t quite work that way. Any amount of discount will cut the cost of coverage.

Companies that may offer these benefits are:

Before buying, ask each insurance company which discounts you may be entitled to. Discounts may not apply in your state.

Quick Auto Insurance Quotes

There are multiple methods to compare 2008 Ford Taurus X auto insurance prices but some are less time-consuming than others. You could waste time talking to local insurance agents in your area, or you could save time and use the internet to get rate comparisons in just a few minutes.

Most major companies take part in a program where prospective buyers enter their policy data once, and each company can provide price quotes. This saves time by eliminating quotation requests for every auto insurance company. To participate in this free quote system, click here (opens in new window).

The single downside to using this type of form is you don’t know exactly the providers you will receive quotes from. If you wish to select individual companies to compare rates, we have a page of companies who write auto insurance in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just make absolute certain that you use the exact same coverages and limits for each price quote. If your comparisons have different limits and deductibles on each one it will be very difficult to determine which rate is truly the best. Having just a slight variation in coverage limits can make a big difference in price. Just remember that obtaining a wide range of quotes helps locate the best offered rates.

Ford Taurus X rates are in the details

An important part of buying insurance is that you know the rating factors that come into play when calculating your insurance rates. Having a good understanding of what controls the rates you pay allows you to make educated decisions that could result in lower insurance prices.

The list below includes a partial list of the pieces companies use to determine premiums.

  • Your age impacts your rates – Older insureds tend to be more responsible, tend to file fewer claims and receive fewer citations. Teenage drivers are statistically proven to get distracted easily when behind the wheel and because of this, their insurance rates are much higher.
  • Occupation reflects on rates – Careers like judges, executives and dentists have the highest average rates in part from high stress and long work days. Other occupations like scientists, historians and the unemployed get better rates for Taurus X coverage.
  • Sex matters – The statistics show women are more cautious behind the wheel. Now that doesn’t mean women are better drivers. Women and men tend to get into accidents in similar numbers, but the male of the species tend to have more serious accidents. Men also tend to have more aggressive citations like reckless driving and DUI.
  • Add-on coverages can add up – There are a ton of additional coverages that you can get tricked into buying on your Taurus X policy. Coverages for personal injury protection, accidental death and motor club memberships are examples of these. They may seem like a good idea when you first buy your policy, but if you don’t need them eliminate them to save money.
  • Do you know you’re credit rating? – Credit score is a big factor in your rate calculation. Drivers with high credit ratings tend to file fewer claims and have better driving records than drivers who have lower ratings. If your credit history is low, you could pay less to insure your 2008 Ford Taurus X by spending a little time repairing your credit.

How much car insurance do I need?

When it comes to buying the right insurance coverage, there really is not a single plan that fits everyone. Everyone’s situation is a little different so your insurance needs to address that. For instance, these questions might point out if you might need an agent’s assistance.

  • Can I get a multi-policy discount?
  • How much underlying liability do I need for an umbrella policy?
  • Can I make deliveries for my home business?
  • Can I rent a car in Mexico?
  • Do I need rental car coverage?
  • Are all vehicle passengers covered by medical payments coverage?
  • How do I insure my teen driver?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier

Buyer beware of auto insurance advertising tricks

Auto insurance providers like State Farm and Allstate regularly use ads on TV and radio. They all say the same thing about savings if you move to their company. But how can every company claim to save you money? This is how they do it.

Insurance companies are able to cherry pick for the driver that is profitable for them. A good example of a desirable insured might be over the age of 40, insures multiple vehicles, and has great credit. Any new insured that hits that “sweet spot” will get the preferred rates and is almost guaranteed to save a lot of money.

Potential customers who don’t qualify for the requirements must pay higher rates which leads to business going elsewhere. The ad wording is “customers that switch” not “people who quote” save money. This is how companies can make the claims of big savings.

This illustrates why drivers must quote coverage with many companies. It’s impossible to know which company will give you the biggest savings on Ford Taurus X insurance.

Auto insurance policy specifics

Knowing the specifics of a auto insurance policy aids in choosing the right coverages for your vehicles. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverages available from auto insurance companies.

Auto liability

This coverage protects you from damage or injury you incur to other people or property. This insurance protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like funeral expenses, emergency aid, medical expenses and loss of income. How much coverage you buy is up to you, but consider buying higher limits if possible.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like funeral costs, nursing services, dental work and hospital visits. They are often utilized in addition to your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Collision coverage protection

Collision insurance covers damage to your Taurus X resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision can pay for things such as colliding with another moving vehicle, driving through your garage door, hitting a mailbox, scraping a guard rail and rolling your car. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision

This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like hitting a bird, damage from flooding, hail damage, theft and fire damage. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

A fool and his money are soon parted

We just covered many ideas to shop for 2008 Ford Taurus X insurance online. The most important thing to understand is the more rate quotes you have, the better likelihood of reducing your rate. Consumers could even find that the lowest priced insurance coverage comes from an unexpected company. Regional companies often have lower prices on specific markets compared to the large companies like State Farm, Geico and Nationwide.

When trying to cut insurance costs, it’s not a good idea to buy poor coverage just to save money. There are too many instances where an insured cut comprehensive coverage or liability limits and found out when filing a claim that it was a big error on their part. Your aim should be to purchase plenty of coverage for the lowest price.

More information is available on the following sites: