2011 Ford Taurus Insurance Rates – 8 Tips for Cheaper Quotes

Shoppers have options when shopping for low-cost Ford Taurus insurance. You can either waste hours driving around to compare prices or leverage the internet to make rate comparisons.

There are both good and bad ways to compare insurance rates and we’ll show you the absolute fastest way to quote coverages for a new or used Ford and get the cheapest rates either online or from local insurance agents.

Smart consumers take time to compare prices every six months since rates go up and down regularly. Even if you think you had the best price for Taurus coverage on your last policy there may be better deals available now. So forget anything you know (or think you know) about insurance because it’s time to teach you how to use online quotes to find lower rates on insurance.

Take these eight discounts and save

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available that you may not even be aware of. Some discounts apply automatically at quote time, but a few need to be specially asked for before you will receive the discount. If you’re not getting every credit available, you are paying more than you should be.

  • Multi-policy Discount – If you have multiple policies with the same insurance company you may save up to 20% off your total premium.
  • Low Mileage Discounts – Low mileage vehicles could be rewarded with a substantially lower rate.
  • Defensive Driver – Successfully completing a driver safety course could save 5% or more depending on where you live.
  • E-sign – Certain companies may give you up to $50 for buying your policy over the internet.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
  • Passive Restraints – Cars that have air bags can qualify for discounts of 20% or more.
  • Drive Safe and Save – Drivers who avoid accidents can pay as much as 50% less for Taurus coverage than drivers with accidents.
  • Senior Discount – If you qualify as a senior citizen, you may qualify for reduced rates for Taurus coverage.

Keep in mind that most discount credits are not given to the entire policy premium. Most only cut the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like having all the discounts means you get insurance for free, companies don’t profit that way. Any qualifying discounts will bring down the amount you have to pay.

For a list of providers with the best insurance discounts, follow this link.

The method we recommend to compare insurance rates from multiple companies is to understand auto insurance companies actually pay money for the chance to give rate comparisons. All you need to do is give them some information including how much coverage you want, what you do for a living, the year, make and model of vehicles, and whether you are single or married. Your information is instantly submitted to multiple top-rated companies and they return cost estimate within a short period of time.

Which policy gives me the best coverage?

When it comes to buying adequate coverage for your personal vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is a little different.

For example, these questions might point out whether your personal situation could use an agent’s help.

  • Why does it cost so much to insure a teen driver?
  • What are the best liability limits?
  • How does medical payments coverage work?
  • Why do I only qualify for high-risk insurance?
  • Do I need higher collision deductibles?
  • What should my uninsured motorist coverage limits be in my state?
  • Is other people’s property covered if stolen from my vehicle?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form. It is quick, free and can provide invaluable advice.

Insurance specifics

Having a good grasp of a insurance policy can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Collision coverage

Collision coverage covers damage to your Taurus from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like colliding with a tree, hitting a parking meter and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

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 important protection for you and your family. Usually 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 immediate expenses for things like rehabilitation expenses, dental work, pain medications, doctor visits and nursing services. They are used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Liability car insurance

Liability insurance will cover damages or injuries you inflict on a person or their property by causing an accident. It protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Alternatively, you may have one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as structural damage, repair bills for other people’s vehicles, attorney fees, repair costs for stationary objects and funeral expenses. The amount of liability coverage you purchase is up to you, but you should buy higher limits if possible.

Comprehensive or Other Than Collision

This covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like damage from a tornado or hurricane, a tree branch falling on your vehicle, falling objects and hitting a deer. The maximum payout your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Be a money saver!

We just showed you a lot of tips how to save on 2011 Ford Taurus insurance. The key concept to understand is the more quotes you get, the higher your chance of finding lower rates. Drivers may discover the best price on insurance coverage is with some of the smallest insurance companies.

Lower-priced insurance can be purchased from both online companies in addition to many insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. There are still a few companies who do not provide online price quotes and most of the time these smaller companies sell through independent agents.

As you go through the steps to switch your coverage, don’t be tempted to skimp on critical coverages to save a buck or two. In many instances, an insured cut collision coverage only to discover later that the few dollars in savings costed them thousands. Your goal should be to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

Additional insurance coverage information is located below: