How Much Does 2009 Ford Taurus X Insurance Cost?

Looking for cheaper car insurance rates for your Ford Taurus X? Insurance shopping is not something people enjoy doing, but regardless it’s required before you can go for a ride.

More discounts equal less premium

Companies don’t necessarily list every available discount in a way that’s easy to find, so we researched some of the more common as well as the least known savings tricks you should be using.

  • Pay Upfront and Save – If you pay your bill all at once rather than paying monthly you could save up to 5%.
  • Braking Control Discount – Anti-lock brake equipped vehicles can avoid accidents and earn discounts up to 10%.
  • Driver’s Ed – Cut your cost by having your teen driver take driver’s ed class if offered at their school.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks with the same company could earn a price break for each car.
  • Life Insurance – Some companies give better rates if you take out auto and life insurance together.
  • Service Members Pay Less – Being deployed with a military unit can result in better rates.

It’s important to note that some of the credits will not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like you can get free auto insurance, it just doesn’t work that way.

For a list of insurers who offer auto insurance discounts, follow this link.

Insurance Prices Online

All the larger insurance companies allow you to get prices for coverage directly from their websites. Getting quotes is pretty painless as you simply type in your required coverages into the quote form. When complete, the company’s rating system will order credit information and your driving record and returns a price.

Online price quotes makes it a lot easier to compare rates but the time it takes to visit many different websites and type in the same information can get tiresome after awhile. But it’s absolutely necessary to perform this step in order to find a lower rate.

Rate comparisons made easy

A less time-consuming method to compare rates is to use a quote form to get prices from several different companies. It saves time, eliminates repetitive work, and makes online quotes much easier to do. As soon as you send your information, it gets priced with multiple companies and you can pick any of the resulting price quotes. If a lower price is quoted, you simply finish the application and purchase the new policy. It takes 15 minutes at the most and could lower your rates considerably.

To save time and compare rates using this form now, click here to open in new window and fill out the form. If you have your current policy handy, we recommend you enter the limits and deductibles exactly as shown on your declarations page. This helps ensure you will have a price comparison for exact coverage.

Ford Taurus X premiums are determined by many factors

Consumers need to have an understanding of the factors that go into determining the rates you pay for insurance coverage. Knowing what influences your rates allows you to make educated decisions that may reward you with lower insurance coverage prices.

  • Little extras can really add up – There are a lot of extra coverages that can waste your money when buying insurance coverage. Things like rental car reimbursement, accident forgiveness and term life insurance may be costing you every month. They may seem good when you first buy your policy, but if they’re wasting money remove them from your policy.
  • Equipment add-ons that lower insurance coverage rates – Choosing a vehicle with a theft deterrent system can save you a little every year. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart auto theft.
  • Do you have enough liability coverage? – Liability coverage will protect you if you are found liable for personal injury or accident damage. It provides you with a defense in court which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not cut corners here.
  • Younger drivers pay higher rates – Older drivers are more responsible, statistically cause fewer accidents and tend to be better behind the wheel. Youthful drivers tend to be careless and easily distracted behind the wheel therefore insurance coverage rates are much higher.
  • An active claims history can cost you – Car insurance companies award cheaper rates to drivers who file claims infrequently. If you tend to file frequent claims, you can definitely plan on higher rates. Insurance coverage is intended to be relied upon for the large, substantial claims.

It’s not one size fits all

When it comes to choosing adequate coverage, there really is no “perfect” insurance plan. Everyone’s needs are different.

For instance, these questions could help you determine if you would benefit from an agent’s advice.

  • Is my ex-spouse still covered by my policy?
  • What can I do if my company won’t pay a claim?
  • Is other people’s property covered if stolen from my vehicle?
  • How much underlying liability do I need for an umbrella policy?
  • Do I have coverage if my license is suspended?
  • I don’t drive much so do I pay less?
  • Can I afford low physical damage deductibles?
  • Should I buy additional glass protection?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form.

Do auto insurance companies bend the truth?

Auto insurance providers like 21st Century, Allstate and State Farm consistently run ads on television and other media. They all say the same thing that you’ll save big if you change to their company. But how can every company claim to save you money? It’s all in the numbers.

All the different companies can use profiling for the type of customer they prefer to insure. For example, a preferred risk might be between the ages of 40 and 55, a clean driving record, and chooses high deductibles. A propective insured who matches those parameters will get very good rates and most likely will save when they switch companies.

Consumers who fall outside these standards will have to pay higher premiums and this can result in the customer not buying. The ads say “customers that switch” not “everyone that quotes” save money. That is how insurance companies can claim big savings. Because of the profiling, you absolutely need to get a wide range of price quotes. It’s just too difficult to predict which company will give you the biggest savings on Ford Taurus X insurance.

The coverage is in the details

Knowing the specifics of your policy can help you determine the best coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and coverage can change by endorsement.

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like damage from getting keyed, rock chips in glass, hitting a deer, a tree branch falling on your vehicle and falling objects. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision insurance

Collision insurance covers damage to your Taurus X resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as sideswiping another vehicle, driving through your garage door and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also raise the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

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

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Liability car insurance

This provides protection from damage or injury you incur to other’s property or people. This insurance protects YOU against other people’s claims, and doesn’t 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. As an example, you may have liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers claims like pain and suffering, funeral expenses and court costs. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like nursing services, rehabilitation expenses and surgery. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not available in all states and may carry a deductible

Online plus local equals savings

When trying to cut insurance costs, it’s very important that you do not buy lower coverage limits just to save a few bucks. Too many times, drivers have reduced collision coverage and found out when filing a claim that the few dollars in savings costed them thousands. Your strategy should be to find the BEST coverage at an affordable rate while still protecting your assets.

Insureds leave their current company for many reasons like delays in paying claims, high prices, extreme rates for teen drivers or even denial of a claim. Regardless of your reason for switching companies, switching insurance coverage companies is not as hard as you think.

Cheap 2009 Ford Taurus X insurance can be bought on the web and also from your neighborhood agents, so you should be comparing quotes from both to have the best rate selection. Some companies may not provide online quoting and usually these regional insurance providers provide coverage only through local independent agents.

More detailed insurance coverage information can be found in these articles: