Save on 1991 Ford Taurus Car Insurance Rates

Want the cheapest auto insurance rates for your Ford Taurus? Comparing and finding cheap prices for Driversauto insurance is very difficult for drivers not familiar with shopping for insurance online. When there are so many companies, it can quickly become a big hassle to find the best price.

The purpose of this article is to introduce you to how car insurance quotes work. If you currently have a car insurance policy, you will most likely be able to cut costs considerably using these tips. But car owners can benefit from knowing how the larger insurance companies compete online and apply this information to your search.

How to get insurance coverage quotes

Most of the larger companies provide price estimates on the web. This process is possible for anyone as you simply enter the amount of coverage you want as detailed in the form. After you submit the form the system collects credit information and your driving record and quotes a price based on many factors.

Online quotes simplifies rate comparisons, but the time required to go to different websites and complete many quote forms is not the best way to spend an afternoon. But it is imperative to do this if you want to find the best price possible.

The preferred way to lower your insurance coverage bill uses one form that obtains quotes from a lot of companies. The form is fast, requires less work, and makes online shopping much more enjoyable and efficient. After sending the form, your coverage is rated and you can select any of the quotes returned.

If the quotes result in lower rates, it’s easy to complete the application and purchase the new policy. This process only takes a few minutes and can result in significant savings.

To save time and find out how much you can save on insurance coverage, click here to open in a new tab and input your coverage information. To compare your current rates, we recommend you input your coverages as close as possible to your current policy. Using the same limits helps guarantee you will have a price comparison using the exact same coverages.

Are you falling for claims of savings?

Respected companies like State Farm, Allstate and GEICO constantly bombard you with television and radio advertisements. All the companies advertise claims that you can save if you just switch to them. How does every company cost less than your current company? You have to listen carefully.

Auto insurance companies provide the lowest rates for the type of driver they prefer to insure. A good example of a preferred risk may need to be between 30 and 50, has a clean driving record, and drives a car with an anti-theft system. A driver that fits those parameters will qualify for the lowest rates and will most likely save some money.

Consumers who don’t measure up to this ideal profile must pay a higher premium and this results in the customer buying from a different company. If you listen to the ad wording, they say “customers that switch” but not “all drivers who get quotes” save that much when switching. That’s why companies can truthfully make claims like that.

This really illustrates why you absolutely need to get price quotes at each policy renewal. Because you never know the company that will have the best car insurance rates at this point in time.

Discounts for cheap auto insurance rates

Companies that sell car insurance don’t always advertise every discount they offer very clearly, so below is a list both the well known as well as some of the hidden discounts that you can inquire about if you buy auto insurance online.

  • E-sign Discounts
  • Defensive Driver – Passing a driver safety class can save you 5% or more depending on where you live.
  • Senior Citizen Discount – If you’re over the age of 55, you can get a slight reduction on a auto insurance quote on Taurus coverage.
  • Low Mileage – Maintaining low annual mileage could earn lower rates due to less chance of an accident.
  • Claim-Free Discount – Insureds with no claims or accidents get the best auto insurance rates when compared to policyholders that have many claims.
  • Use Seat Belts – Using a seat belt and requiring all passengers to use a seat belt can save up to 15% on medical payment and PIP coverage.

Keep in mind that most credits do not apply to your bottom line cost. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

Car insurance companies that may offer quotes with most of these discounts possibly include:

It’s a good idea to ask each company which credits you are entitled to. Savings may not be offered in your area.

You may need specialized auto insurance coverage

When choosing proper insurance coverage for your vehicles, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

These are some specific questions can aid in determining whether your personal situation may require specific advice.

  • Is business property covered if stolen from my car?
  • Where can I find high-risk insurance?
  • Are all vehicle passengers covered by medical payments coverage?
  • Am I missing any policy discounts?
  • Should I get collision insurance on every vehicle?
  • Why do I need rental car insurance?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Are my friends covered when driving my 1991 Ford Taurus?
  • Do I need motorclub coverage?
  • Am I covered if I break a side mirror?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

Car insurance 101

Understanding the coverages of your policy helps when choosing the right coverages and the correct deductibles and limits. Auto insurance terms can be difficult to understand and coverage can change by endorsement.

Collision coverage – This pays to fix your vehicle from damage 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 such as sideswiping another vehicle, rolling your car, crashing into a building and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible to bring the cost down.

Liability coverages – This provides protection from damage that occurs to other people or property in an accident. This coverage protects you from claims by other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things such as loss of income, repair costs for stationary objects and bail bonds. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as X-ray expenses, doctor visits and EMT expenses. The coverages can be utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants in addition to being hit by a car walking across the street. PIP is not available in all states and may carry a deductible

Comprehensive coverages – This covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as a broken windshield, hitting a bird and damage from flooding. The maximum amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage – This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries and damage to your Ford Taurus.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Normally these coverages do not exceed the liability coverage limits.

More quotes. Lower rates.

Some companies do not provide price quotes online and many times these smaller companies provide coverage only through local independent agencies. The cheapest 1991 Ford Taurus insurance is possible both online as well as from independent agents, so you need to compare both so you have a total pricing picture.

Insureds switch companies for a variety of reasons including being labeled a high risk driver, policy cancellation, not issuing a premium refund or even lack of trust in their agent. Regardless of your reason, finding the right insurance provider is not as difficult as it may seem.

In this article, we covered a lot of techniques to lower your 1991 Ford Taurus insurance prices. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding cheaper auto insurance. You may even find the best prices are with the least-expected company.

More information can be found on the following sites:

Comments About 1991 Ford Taurus Insurance

  1. Gus Collins

    Live in Atlanta, Georgia. Quoted with Travelers, AAA, Liberty Mutual, and Safeco for my Ford and saved around $90 a year. Was with Safeco. Did it all online.

  2. Francisco Ewing

    How are claims handled by State Farm around New York City, NY?

  3. Epifania Roman

    I’m in Nampa, ID, and 21st Century rates were affordable. I get multi-vehicle and multi-policy discounts. I got prices on the web. Liability only on my Taurus.

  4. Brooke Hanson

    GEICO was cheapest for my 1991 Ford Taurus in San Antonio, Texas.

  5. Ronald Ayers

    Just my two cents. I live on the west side of Philadelphia, Pennsylvania. Checked online prices for a 1991 Ford Taurus. Ended up at about $70 savings annually. Went with 21st Century.

  6. Farah Hopkins

    GEICO and State Farm were both pretty cheap in Providence, RI.

  7. Corazon Frazier

    I’m in the south part of Missoula, Montana. Got prices from Auto-Owners, Nationwide, and Western Auto Insurance for my Taurus and saved just over $60 a year. Insured with Farmers before. Good savings if you bundle. God forbid I actually have a claim.

  8. Norman Mullen

    I’m in the suburbs of Aberdeen, SD. Quoted with AAA, Encompass, and Safeco for my Ford and saved $98 a year. Highly recommended.

  9. Cameron Dennis

    I’m from Henderson, Nevada. Checked online prices for a 1991 Ford Taurus. Ended up at about $70 savings annually. Went with GEICO. I’m a pretty low risk driver.

  10. Shenika Carney

    I think I’m paying too much. I’m just west of Mobile, AL. Quoted with 21st Century, Amica, and some I forget for my 1991 Ford Taurus and I’m now saving $19 a month. I’m thinking about dropping full coverage though.

  11. Joey Jennings

    Is Progressive or Allstate cheaper in Atlanta, GA?