1990 Ford Taurus Insurance Quotes – 5 Tips for Best Rates

Looking for the cheapest insurance coverage rates for your Ford Taurus? Are you sick and tired of not being able to scrape enough together to pay high insurance coverage rates every month? You have the same problem as the majority of other consumers. Numerous insurers battle to insure your vehicles, so it’s not easy to compare every insurer and get the best coverage at the lowest cost out there.

You should make it a habit to take a look at other company’s rates at least once a year because rates are usually higher with each renewal. Even if you got the lowest rate for Taurus insurance a year ago you can probably find a better price now. Forget anything you know (or think you know) about insurance coverage because you’re about to find out the fastest and easiest way to find the best coverage while lowering your premiums.

If you are insured now or are shopping for new coverage, you can follow these tips to reduce the price you pay and possibly find even better coverage. Buying car insurance is not rocket science. Drivers just need to understand the proper methods to shop their coverage around online.

How to compare free insurance coverage quotes

Most larger insurance companies like Progressive, Allstate and Geico allow you to get insurance quotes direct online. Getting online rates doesn’t take a lot of time as you just type in your personal and coverage information into a form. Behind the scenes, the company’s rating system collects your credit score and driving record and returns pricing information. This makes comparing rates easy, but the time it takes to visit different websites and enter the same data into a form is monotonous and tiresome. But it’s absolutely necessary to do this in order to find the lowest price.

An easier way to compare rates makes use of a single form that analyzes rates from multiple companies. The form is fast, reduces the work, and makes online price comparison a little more enjoyable. As soon as you send your information, it gets priced and you can select any one of the returned quotes.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the new coverage. The whole process can be completed in a matter of minutes and you will find out if you’re overpaying now.

To compare pricing, click here to open in new window and enter your information. To compare your current rates, we recommend that you enter the coverage information identical to your current policy. This helps ensure you will receive an apples-to-apples comparison using the exact same coverages.

Does insurance coverage advertising bend the truth?

Consumers constantly see and hear ads for the lowest price insurance coverage from companies such as Progressive, Allstate and Geico. All the ads state the claim about saving some big amount if you change your coverage.

But how can every company give you a better price? Here is how they do it.

Insurance companies have specific criteria for the right customer that will generate a profit. For example, a preferred risk may be over the age of 45, has no prior claims, and the vehicle is rated for pleasure use. Anybody who fits those characteristics may get the lowest prices and therefore will save if they switch.

Consumers who are not a match for these criteria will see higher premium rates and this can result in the customer buying from someone else. If you pay attention, the ads say “drivers who switch” but not “all drivers who get quotes” save that much money. This is how insurance companies can make claims like that.

Because each company has a different risk profile, you need to compare many company’s premium rates. It is just not possible to predict which insurance companies will be your best fit.

Discounts can really help save money

Insuring your vehicles can cost a lot, but you might find some hidden discounts that can help lower your rates. Some discounts apply automatically when you get a quote, but once in a while a discount must be inquired about in order for you to get them. If you don’t get every credit available, you could be getting lower rates.

• Home Ownership Discount – Owning your own home or condo can earn you a little savings because owning a home shows financial diligence.
• Cautious Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for Taurus insurance than drivers with accident claims.
• Early Payment Discounts – By paying your entire bill at once rather than spreading payments over time you can avoid monthly service charges.
• College Student – who live away from home at college and do not have a car could get you a discount.
• Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to buckle up can save a little on medical payment and PIP coverage.

Consumers should know that most credits do not apply the the whole policy. Some only apply to the cost of specific coverages such as liability and collision coverage. Even though it appears you would end up receiving a 100% discount, nobody gets a free ride.

To view insurance companies who offer free car insurance quotes, click here.

Will just any policy work for me?

When it comes to choosing the best auto insurance coverage, there really is not a “perfect” insurance plan. Each situation is unique and your policy should reflect that. Here are some questions about coverages that can help discover if you will benefit from professional help.

• How much liability coverage do I need in my state?
• Am I covered when driving in Canada or Mexico?
• Can I still get insurance after a DUI?
• Is pleasure use cheaper than using my 1990 Ford Taurus to commute?
• Am I covered if I hit a deer?
• Do I need added coverage for expensive stereo equipment?
• Where can I find DUI or SR-22 insurance?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area. It’s fast, free and can provide invaluable advice.

Insurance coverage specifics

Knowing the specifics of your policy helps when choosing the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring. These are the usual coverages available from insurance companies.

Comprehensive auto coverage

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

Comprehensive coverage protects against things such as rock chips in glass, damage from getting keyed, a tree branch falling on your vehicle, hitting a deer and falling objects. The highest amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability car insurance

This can cover damage or injury you incur to a person or their property. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. 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 insurance covers things like medical expenses, loss of income, structural damage, attorney fees and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but consider buying higher limits if possible.

Collision coverage protection

Collision insurance pays for damage to your Taurus from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things such as hitting a mailbox, driving through your garage door and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for bills for funeral costs, doctor visits and pain medications. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and damage to your Ford Taurus.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Normally the UM/UIM limits do not exceed the liability coverage limits.

Money doesn’t grow on trees

We just presented some good ideas how you can compare 1990 Ford Taurus insurance car insurance rates online. The key concept to understand is the more rate quotes you have, the better likelihood of getting cheaper insurance. Consumers could even find that the best price on insurance coverage is with a smaller regional carrier. These companies may have significantly lower premium rates on certain market segments than the large multi-state companies such as Allstate or State Farm.

There are still a few companies who may not offer rates over the internet and many times these small insurance companies only sell coverage through independent agencies. Budget-friendly insurance coverage is possible from both online companies and with local insurance agents, so compare prices from both to have the best selection.

Additional information can be read on the following sites:

• Teen Driving Statistics (iihs.org)
• Frontal Crash Tests (iihs.org)
• What is a Telematics Device? (Allstate)
• Booster Seat Ratings (iihs.org)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• Five Mistakes to Avoid (Insurance Information Insitute)