View 2016 Ford Taurus Car Insurance Cost

Comparison shopping for car insurance can be difficult for consumers not familiar with comparison shopping online. Drivers have so many options available that it can be a big hassle to locate the lowest price.

It’s a good habit to price shop coverage periodically because prices are rarely the same from one policy term to another. Just because you found the best rates for Taurus insurance on your last policy there may be better deals available now. Ignore everything you know about car insurance because you’re about to find out one of the easiest ways to find great coverage at a great price.

How to Get Cheap Insurance

The are a couple different ways to get quotes and find the best price. The simplest method to find the cheapest 2016 Ford Taurus insurance rates is simply to get online rate quotes. This is very easy and can be done in just a few minutes using one of these methods.

  1. The single most time-saving way to find low rates would be an industry-wide quote request form click to view form in new window. This method keeps you from doing a different quote for each company. In just a few minutes this one form will return price quotes from several companies. Recommended for those who want to invest the least amount of time.
  2. A harder way to compare prices requires a visit to the website for each individual company and request a quote. For example, let’s say you want to compare State Farm, 21st Century and GMAC. To find out each rate you need to spend time on each company’s site and enter your information, which is why the first method is quicker. For a handy list of car insurance company links in your area, click here.
  3. The most time-consuming method to get comparison rates is to spend time driving to insurance agents’ offices. Shopping for insurance online can eliminate the need for a local agent unless you require the professional guidance of a local agent. However, consumers can find lower rates online and still use a local agent and we’ll cover that in a bit.

Whichever way you use, make absolute certain that you use identical deductibles and coverage limits for every company. If you enter mixed coverages you can’t possibly find the best deal for your Ford Taurus. Just a small difference in coverage limits could mean much higher rates. And when price shopping your coverage, more quotes will enable you to find a better price.

Discounts are great for lower rates

The price of auto insurance can be rather high, but there could be available discounts to reduce the price significantly. Certain discounts will be applied at quote time, but less common discounts must be specially asked for prior to receiving the credit.

  • Anti-lock Brakes – Vehicles with anti-lock braking systems are safer to drive and qualify for as much as a 10% discount.
  • Safety Course Discount – Taking part in a defensive driving course could cut 5% off your bill if you qualify.
  • Low Mileage Discounts – Driving fewer miles can qualify you for lower rates on the low mileage vehicles.
  • Auto/Life Discount – Companies who offer life insurance give better rates if you take out auto and life insurance together.
  • Early Signing – Select companies give a discount for buying a policy before your current expiration date. This can save 10% or more.
  • Memberships – Being a member of a civic or occupational organization could qualify you for a break on auto insurance for Taurus insurance.

It’s important to understand that many deductions do not apply to the entire cost. A few only apply to specific coverage prices like physical damage coverage or medical payments. Just because it seems like you could get a free auto insurance policy, auto insurance companies aren’t that generous. But any discount will reduce your premiums.

To see a list of providers with discount auto insurance rates, click here to view.

You may need specialized coverage

When it comes to choosing the right insurance coverage for your vehicles, there is no single plan that fits everyone. Everyone’s needs are different.

These are some specific questions might help in determining whether or not you would benefit from professional advice.

  • Does my policy pay for OEM or aftermarket parts?
  • How can I get high-risk coverage after a DUI?
  • Can I make deliveries for my home business?
  • Do I need added coverage for expensive stereo equipment?
  • Do I need to file an SR-22 for a DUI in my state?
  • Where can I find high-risk insurance?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Am I covered when driving in Canada or Mexico?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form.

Specifics of your insurance policy

Knowing the specifics of a insurance policy aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Collision coverage protection

This coverage will pay to fix damage to your Taurus from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things like colliding with a tree, sustaining damage from a pot hole and crashing into a building. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible to bring the cost down.

Comprehensive protection

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims such as theft, vandalism, hitting a deer and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Liability coverage

Liability insurance can cover damages or injuries you inflict on people or other property that is your fault. This insurance protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 which means a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Another option is a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as structural damage, court costs, bail bonds and medical expenses. How much coverage you buy is a decision to put some thought into, but buy as large an amount as possible.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for bills like dental work, X-ray expenses, hospital visits, pain medications and doctor visits. They are used in conjunction with a health insurance program or if you do not have health coverage. They cover you and your occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage