Save on 1993 Ford Taurus Insurance Quotes

Trying to find lower auto insurance rates for your Ford Taurus? Searching for low-cost insurance for a Ford Taurus can normally be difficult, but you can follow the following methods to make it easier. There is a right way and a wrong way to find auto insurance online so we’re going to tell you the proper way to compare rates on a Ford and get the best price possible.

Finding the best rates is not rocket science. If you have a current car insurance policy or are looking for a new policy, you will benefit by learning to shop for the lowest rates and possibly find even better coverage. Vehicle owners just need to understand how to compare company rates online.

How to get the cheapest auto insurance

Finding cheap 1993 Ford Taurus auto insurance prices is a fairly straight forward process. Just invest a little time to compare free insurance quotes from online providers. It’s really simple and can be done using one of these methods.

If you’re in a hurry, the quickest way to compare a lot of rates at once is an all-inclusive rate comparison click to view form in new window. This form prevents you from having to do multiple quote forms for each company you want a rate for. Taking the time to complete one form gets coverage cost estimates from many national carriers. It’s definitely the quickest method.

A less efficient way to analyze rates requires a trip to the website of each company and get a separate price quote. For sake of this example, let’s assume you want comparison quotes from Farmers, Allstate and Liberty Mutual. You would need to spend time on each company’s site to enter the same coverage data repeatedly, which can be really labor intensive.

To view a list of companies in your area, click here.

It doesn’t matter which method you choose, just double check that you are using equivalent coverage information for each price quote. If you have differing limits it will be nearly impossible to truly determine the lowest rate.

Reduce your insurance rates with discounts

Car insurance is not cheap, but you may qualify for discounts that can drop the cost substantially. Some of these disounts will be visible when you get a quote, but some must be specially asked for before you will receive the discount.

• Air Bags and Passive Restraints – Factory air bags or motorized seat belts may get savings up to 30%.
• Homeowners Pay Less – Just being a homeowner can help you save on insurance because owning a home means you have a higher level of financial diligence.
• Switch and Save Discount – Select larger companies give a discount for signing up before your current coverage expires. Ten percent is about the average savings.
• Good Student Discount – Performing well in school could provide a savings of up to 20% or more. The discount lasts well after school through age 25.
• Government Employee Discount – Federal government employees can earn a discount up to 10% on Taurus coverage with select insurance companies.
• Defensive Driving Course – Taking a safe driver class could save 5% or more and easily pay for the cost of the class.
• Accident Forgiveness – Not necessarily a discount, but companies like Liberty Mutual and Geico will allow you to have one accident before they charge you more for coverage if your claims history is clear before the accident.
• Driving Data Discount – People who choose to allow driving data collection to spy on their driving habits by using a telematic data system such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates if they exhibit good driving behavior.
• New Car Discount – Buying insurance coverage on a new vehicle can cost up to 25% less because new vehicles are generally safer.

Policy discounts save money, but most of the big mark downs will not be given to the entire policy premium. The majority will only reduce the price of certain insurance coverages like medical payments or collision. Despite the appearance that having all the discounts means you get insurance for free, companies wouldn’t make money that way.

A few popular companies and some of the discounts are included below.

• State Farm offers discounts for passive restraint, accident-free, multiple autos, student away at school, and safe vehicle.
• Geico offers premium reductions for federal employee, multi-vehicle, five-year accident-free, driver training, defensive driver, and good student.
• SAFECO offers discounts including homeowner, multi-car, teen safety rewards, teen safe driver, accident prevention training, anti-lock brakes, and drive less.
• Farmers Insurance may include discounts for bundle discounts, youthful driver, switch companies, business and professional, early shopping, pay in full, and mature driver.
• AAA may offer discounts for good driver, good student, multi-policy, multi-car, and anti-theft.
• USAA has discounts for good student, driver training, safe driver, new vehicle, family discount, and defensive driver.

When comparing rates, check with each company or agent which discounts you may be entitled to. Discounts might not be offered in your area.

Six factors that impact insurance rates

Lots of factors are used when premium rates are determined. Most are fairly basic such as traffic violations, but other factors are less obvious such as your marital status or your vehicle rating.A large part of saving on insurance coverage is knowing some of the things that go into determining your policy premiums. When you understand what impacts premium levels, this helps enable you to make changes that could result in big savings.

• You may save more by bundling policies – Most major companies will award a discount for people that have more than one policy in the form of a multi-policy discount. Even if you’re getting this discount it’s still a good idea to comparison shop to make sure you are getting the best deal.
• Annual miles is a factor – The higher the miles on your Ford every year the more you’ll pay to insure your vehicle. Many insurance companies calculate prices based on how the vehicle is used. Cars that do not get driven very much receive better premium rates than those used for commuting. Verify your insurance coverage policy properly reflects the right rating data. Having the wrong rating on your Taurus can cost quite a bit.
• Alarm systems lowers premiums – Purchasing a vehicle that has an advanced theft prevention system can save you some money. Anti-theft devices such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems help track and prevent your car from being stolen.
• Rural areas have lower premiums – Having an address in a rural area has it’s advantages when buying insurance coverage. City drivers have much more traffic and more severe claims. Fewer people means less chance of accidents in addition to fewer liability claims.
• High physical damage deductibles lower premiums – Your deductibles define the amount you are willing to pay out-of-pocket in the event of a claim. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some instances where coverage would apply are collision with another vehicle, vandalism, or theft of your vehicle. The larger the amount you pay before a claim is paid (deductible), the bigger discount you will receive on Taurus coverage.
• Stay claim-free and lower prices – Auto insurance companies provide cheaper rates to drivers who are not frequent claim filers. If you’re an insured who likes to file claims you can look forward to much higher rates or policy non-renewal. Your car insurance is designed for claims that pose a financial burden.

You are unique and your insurance should be too

When it comes to buying the best insurance coverage, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s.

For instance, these questions might help in determining whether you would benefit from professional advice.

• When should I drop full coverage on my 1993 Ford Taurus?
• Do I really need UM/UIM coverage?
• Do I need special endorsements for business use of my vehicle?
• Do I need medical payments coverage since I have good health insurance?
• Is other people’s property covered if stolen from my vehicle?
• What is the difference between comprehensive and collision coverage?
• Is my camper covered by my car insurance policy?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It’s fast, free and may give you better protection.

Auto insurance advertising gotchas

Consumers get pounded daily by advertisements that claim the cheapest premium rates from the likes of Progressive, Geico, Allstate and State Farm. They all have a common claim about saving some big amount after switching your auto insurance coverage to their company.

How does every auto insurance company sell you cheaper insurance coverage?

Most companies provide the lowest rates for the driver that will generate a profit. For example, this type of insured could possibly be between the ages of 40 and 55, has a clean driving record, and drives less than 5,000 miles a year. A propective insured that meets those criteria will probably get cheap prices and most likely will save quite a bit of money when switching.

People who do not match these standards may be forced to pay a higher rate with the end result being the customer not buying. If you pay attention, the ads say “people who switch” but not “everyone who gets a quote” save that much. That is how insurance companies can lure you into getting a quote. Because each company has a different risk profile, it is so important to compare rate quotes every year. It’s impossible to know which company will have the best car insurance rates for your profile.

Coverage specifics

Knowing the specifics of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for bills for dental work, prosthetic devices and funeral costs. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Coverage for collisions

Collision coverage covers damage to your Taurus caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims like damaging your car on a curb, crashing into a ditch, hitting a parking meter, sideswiping another vehicle and crashing into a building. Collision is rather expensive coverage, so consider dropping it from older vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive auto insurance

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like a tree branch falling on your vehicle, hitting a deer, theft, fire damage and rock chips in glass. The maximum payout your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your Ford Taurus.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Liability car insurance

Liability insurance provides protection from damages or injuries you inflict on a person or their property. It protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability can pay for claims such as funeral expenses, emergency aid, structural damage, pain and suffering and medical services. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.

Knowledge is power

As you prepare to switch companies, it’s a bad idea to reduce needed coverages to save money. In too many instances, consumers will sacrifice full coverage only to discover later that the small savings ended up costing them much more. Your objective should be to purchase plenty of coverage at the best possible price while still protecting your assets.

We just presented a lot of information how to save on 1993 Ford Taurus insurance. The key thing to remember is the more quotes you get, the better likelihood of getting the cheapest insurance. Consumers may even find the best price on auto insurance is with a company that doesn’t do a lot of advertising.

Budget-conscious 1993 Ford Taurus insurance can be purchased on the web and also from your neighborhood agents, so you should be comparing quotes from both so you have a total pricing picture. A few companies don’t offer the ability to get a quote online and many times these smaller companies provide coverage only through independent insurance agencies.

To learn more, link through to these articles:

• Vehicle Size and Weight FAQ (iihs.org)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• Comprehensive Coverage (Liberty Mutual)
• Neck Injury FAQ (iihs.org)
• Information for Teen Drivers (Geico)