Compare 2017 Ford Taurus Insurance Quotes

Trying to find better insurance prices for your Ford Taurus can normally be difficult, but you can learn the following methods and make it easy.

There are both good and bad ways to buy car insurance and you need to know the absolute fastest way to get price quotes on a Ford and find the lowest possible price either online or from local insurance agents.

Components of your Ford Taurus insurance costs

Part of the insurance coverage buying process is learning some of the factors that come into play when calculating the price you pay for insurance coverage. When consumers understand what influences your rates, this allows you to make good choices that will entitle you to lower insurance coverage prices. Many things are considered when you quote your car insurance policy. A few of the factors are predictable such as your driving history, although some other factors are less apparent such as whether you are married and annual miles driven.

  • Higher prices for insurance coverage policy lapses – Driving your car without having proper coverage is not a good idea and insurance coverage companies will penalize you for letting your insurance lapse for non-payment. In addition to paying higher premiums, being ticketed for driving with no insurance may result in fines and jail time. You will then be forced to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
  • Buy a safe car and pay less – Vehicles that have high safety ratings cost less to insure. Vehicles engineered for safety result in less severe injuries and lower rates of occupant injuries translates into fewer and smaller insurance claims and more competitive rates for policyholders. If the Ford Taurus is rated at a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • Consolidate policies and save money – Most major insurers apply discounts to customers that have more than one policy in the form of a multi-policy discount. Discounts can be 10 percent or more. Even if you’re getting this discount consumers should still check prices from other companies to make sure you are getting the best deal.There is a good possibility that you can find lower rates by buying from different companies
  • Is car insurance cheaper for males or females? – Statistics demonstrate women tend to be less risk to insure than men. However, don’t assume that women are better drivers. Both genders tend to get into at-fault accidents at about the same rate, but the male of the species get into accidents with more damage. In addition to higher claims, males also get more serious tickets such as driving while intoxicated (DWI) or driving recklessly.
  • Older drivers pay less – Drivers with little experience are statistically shown to be careless and easily distracted when behind the wheel so they pay higher insurance coverage rates. More mature drivers tend to be more responsible, tend to file fewer claims , and are generally more financially stable.
  • Vehicle features impact premiums – Choosing a vehicle with anti-theft technology or alarm system can save you some money. Theft prevention devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent car theft and help bring rates down.

Discounts for lower-cost auto insurance rates

Buying auto insurance is not cheap, but you may find discounts that you may not know about. Certain discounts will be applied when you quote, but a few must be specially asked for before they will apply. If you aren’t receiving every discount you qualify for, you could be getting lower rates.

  • Senior Citizens – Seniors may qualify for a slight reduction on a insurance coverage quote on Taurus coverage.
  • Good Student – Excelling in school may save you up to 25%. The discount lasts until age 25.
  • Professional Organizations – Being a member of a professional or civic organization can get you a small discount on your next auto insurance statement.
  • Bundle and Save – When you have multiple policies with one company you could earn a discount of over 10 percent off each policy depending on the company.
  • Discount for Swiching Early – Some auto insurance companies reward drivers for switching to them before your current expiration date. The savings is around 10%.
  • Discount for Passive Restraints – Vehicles equipped with air bags or automatic seat belts can receive discounts of more than 20%.

It’s important to understand that most credits do not apply the the whole policy. The majority will only reduce individual premiums such as collision or personal injury protection. Even though it may seem like all those discounts means the company will pay you, you aren’t that lucky. Any qualifying discounts will definitely reduce the cost of coverage.

Some companies that may offer quotes with many of the previously listed discounts include:

Check with each insurance company which discounts you may be entitled to. Depending on the company, some discounts may not apply in your area.

Truth in car insurance advertising

Consumers can’t avoid all the ads for the lowest price car insurance by State Farm and Allstate. All the ads make the same claim that drivers will save a bundle if you switch to their company.

How does every car insurance company have lower policy pricing? Just pay attention to how they say it.

Different companies have a certain “appetite” for the type of customer they prefer to insure. For example, a desirable insured might be described as between 25 and 40, owns their home, and has a high credit rating. A propective insured who meets those qualifications receives the best prices and have a good chance to pay quite a bit less when switching companies.

Potential customers who fall outside this ideal profile will be charged higher rates which translates to the customer buying from a different company. If you listen to the ad wording, they say “customers who switch” not “everyone that quotes” save that much money. That’s the way companies can truthfully lure you into getting a quote.

This really drives home the point why you really should compare free insurance coverage quotes often. Because without a comparison, you cannot know which company will have the lowest prices for your situation.

Tailor your car insurance coverage to you

When it comes to choosing coverage, there really is not a best way to insure your cars. Every insured’s situation is different.

For instance, these questions might help in determining whether your personal situation might need professional guidance.

  • What if I total my 2017 Ford Taurus and owe more than it’s worth?
  • Is my 2017 Ford Taurus covered for flood damage?
  • Does my personal policy cover me when driving out-of-state?
  • Is my dog or cat covered if injured in an accident?
  • How can I get my company to pay me more for my totalled car?
  • Can my teen driver be rated on a liability-only vehicle?
  • When should I remove comp and collision on my 2017 Ford Taurus?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form. It only takes a few minutes and can provide invaluable advice.

Auto insurance coverages

Having a good grasp of your policy can be of help when determining the right coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Comprehensive car insurance

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as hail damage, hitting a bird, vandalism, falling objects and a tree branch falling on your vehicle. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for immediate expenses such as surgery, doctor visits and ambulance fees. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP is only offered in select states and may carry a deductible

Auto liability

This coverage will cover injuries or damage you cause to people or other property that is your fault. This insurance protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage pays for things such as medical expenses, loss of income, structural damage and pain and suffering. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Coverage for uninsured or underinsured drivers

This gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Ford Taurus.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Auto collision coverage

This coverage will pay to fix damage to your Taurus resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like backing into a parked car, sustaining damage from a pot hole, hitting a parking meter, rolling your car and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.

Be a smart shopper

Throughout this article, we presented a lot of tips how to reduce 2017 Ford Taurus insurance rates online. The key concept to understand is the more quotes you get, the higher your chance of finding cheap insurance coverage. You may even discover the lowest rates come from a small mutual company.

As you quote insurance coverage, it’s not a good idea to reduce needed coverages to save money. In many cases, drivers have reduced physical damage coverage only to regret that it was a big error on their part. Your goal should be to find the BEST coverage at the best cost.

Cost effective 2017 Ford Taurus insurance is attainable from both online companies in addition to many insurance agents, and you should be comparing both to have the best rate selection. Some insurance companies do not offer price quotes online and usually these smaller companies work with independent agents.

Additional detailed information is located by following these links: