How Much Does 2014 Ford Taurus Insurance Cost?

Searching for cheaper insurance rates for your Ford Taurus? If price shopping insurance online is new to you, you may be confused because of the huge number of online insurance companies and websites all offering big savings.

You should take the time to compare rates every six months because rates change regularly. Even if you got the best rates on Taurus coverage six months ago there is a good chance you can find better rates now. Ignore everything you know about insurance because I’m going to let you in on the secrets to the best way to lower your rates without sacrificing coverage.

If you currently have a car insurance policy, you should be able to lower your premiums substantially using this strategy. Locating the lowest cost protection can be fairly easy. But car owners do need to understand how big insurance companies compete online and take advantage of how the system works.

Which Car Insurance is Cheapest?

All major car insurance companies quote pricing on their websites. Getting online rates doesn’t take much effort as you simply type in the coverage amounts you desire as requested by the quote form. Upon sending the form, their system pulls reports for credit and driving violations and generates a price based on many factors.

Online quotes makes comparing rates easy, but the time required to go to many different websites and fill out multiple forms gets old quite quickly. But it’s very important to have as many quotes as possible if you want to find the best price on car insurance.

Isn’t there an easier way to compare rates?

The quickest way to lower your car insurance bill utilizes a single form that analyzes rates from more than one company. It’s a real time-saver, eliminates repetitive work, and makes comparison shopping much more enjoyable. After sending the form, it gets priced with multiple companies and you can pick any or none of the returned quotes. If you find a better price you can simply submit the application and buy the new coverage. It can be completed in a matter of minutes and may save quite a bit of money.

To save time and compare pricing, simply click here to open in new window and enter your vehicle and coverage information. If you currently have coverage, we recommend you type in your coverages identical to your current policy. This ensures you will have comparison quotes for the exact same coverage.

Don’t miss out on these money-saving discounts

Companies that sell car insurance don’t always list all their discounts very clearly, so we break down some of the more common and also the lesser-known car insurance savings.

  • Defensive Driver – Taking a defensive driving course can save you 5% or more if you qualify.
  • Employee of Federal Government – Simply working for the federal government can save as much as 8% on Taurus coverage with a few car insurance companies.
  • Passive Restraints and Air Bags – Factory air bags or motorized seat belts can get savings of 20% or more.
  • No Claims – Drivers with accident-free driving histories can save substantially when compared to bad drivers.
  • Pay Now and Pay Less – By paying your policy upfront instead of making monthly payments you may reduce your total bill.
  • Safe Driver Discount – Insureds without accidents can pay as much as 50% less on Taurus coverage than drivers with accident claims.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to wear their seat belts can save up to 15% off the personal injury premium cost.
  • Auto/Life Discount – Larger companies have a break if you buy life insurance from them.

As a disclaimer on discounts, most discount credits are not given to the entire cost. Some only apply to individual premiums such as comprehensive or collision. So when it seems like you would end up receiving a 100% discount, you’re out of luck.

Car insurance companies that may have these money-saving discounts may include but are not limited to:

Before buying, ask every prospective company which discounts you may be entitled to. Some discounts might not be offered in your state.

Do I need special coverages?

When it comes to buying proper insurance coverage, there is no “perfect” insurance plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that could help you determine whether you may require specific advice.

  • Does my car insurance cover rental cars?
  • Is my ex-spouse still covered by my policy?
  • Can my teen driver be rated on a liability-only vehicle?
  • Why am I required to buy high-risk coverage?
  • Where can I find high-risk insurance?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Does my 2014 Ford Taurus qualify for pleasure use?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.

What insurance coverages do you need?

Having a good grasp of a insurance policy can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy.

Collision coverage – This will pay to fix damage to your Taurus resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like damaging your car on a curb, sideswiping another vehicle and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to get cheaper collision coverage.

Comprehensive insurance – This will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like vandalism, a broken windshield, hitting a deer and falling objects. The most a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability car insurance – Liability coverage can cover damage that occurs to people or other property. This insurance protects YOU from legal claims by others. Liability doesn’t cover 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. As an example, you may have policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability insurance covers things like pain and suffering, court costs, bail bonds and emergency aid. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for medical expenses – Med pay and PIP coverage pay for expenses such as prosthetic devices, dental work, hospital visits, nursing services and funeral costs. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers – This protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Ford Taurus.

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