Cheap 1994 Ford Taurus Car Insurance Cost

Searching for the most affordable insurance coverage can appear to be problematic for beginners to comparing prices on the web. With such a large number of insurers available, how can anyone possibly compare them all to find lower insurance coverage premiums?

Finding insurance coverage

To get cheap insurance coverage quotes, there a variety of ways to obtain and compare prices from many insurance coverage companies in your state. The best way to find cheaper Ford Taurus rates consists of shopping online. This is very easy and can be done in a couple minutes as outlined below.

One of the fastest ways consumers can make multiple comparisons is an all-inclusive rate comparison click here to open form in new window. This style of form eliminates the need for boring form submissions to each individual insurance coverage company. One form will get you price quotes from several companies. It’s the fastest way to compare.

A less efficient way to get comparison quotes consists of going to each company’s website and repeat the quote process again and again. For instance, we’ll pretend you want to compare Progressive, Farmers and GEICO. You would need to spend time going to each site individually and type in your information over and over, which can take a lot of time. To view a list of companies in your area, click here.

The most time-consuming way to compare price estimates is actually driving to and from local insurance agencies. Buying insurance online has reduced the need for local agents unless your situation requires the guidance that can only be provided by a licensed insurance agent. Drivers can price shop your coverage online and get advice from an agent in your area.

Which method you use is up to you, but do your best to enter identical quote information for every company. If you compare different deductibles it’s impossible to determine the lowest rate for your Ford Taurus. Quoting even small variations in limits can make a big difference in price. And when price shopping your coverage, having more price comparisons helps you find more affordable rates. Some smaller insurers to not give online price quotes, so it’s recommended that you also compare rates from the smaller companies as well.

Don’t miss these money-saving discounts

The price of auto insurance can be rather high, but there’s a good chance there are discounts to help offset the cost. Some of these disounts will be visible at quote time, but some discounts are required to be asked about before being credited. If you’re not getting every credit you qualify for, you are throwing money away.

  • Cautious Driver Discount – Drivers without accidents can save up to 40% or more on their insurance coverage quote on Taurus insurance than drivers with accident claims.
  • Driving Data Discount – Insureds who allow data collection to monitor driving patterns by using a telematic data system such as Progressive’s Snapshot could save a few bucks as long as they are good drivers.
  • Multiple Vehicles – Buying a policy with multiple cars with the same company can reduce rates for all insured vehicles.
  • Accident Free – Drivers who stay claim-free pay much less when compared with drivers who are more careless.
  • Full Payment Discount – If you pay your bill all at once rather than spreading payments over time you can avoid the installment charge.
  • Military Rewards – Having a family member in the military may lower your prices slightly.
  • Employee of Federal Government – Simply working for the federal government may reduce rates when you quote insurance coverage on Taurus insurance depending on your company.

Discounts lower rates, but some credits don’t apply to all coverage premiums. Most cut the price of certain insurance coverages like comprehensive or collision. Despite the appearance that all those discounts means the company will pay you, you aren’t that lucky.

Large car insurance companies and their possible discounts can be found below.

  • Progressive includes discounts for continuous coverage, online quote discount, multi-vehicle, multi-policy, online signing, and good student.
  • GEICO offers discounts including seat belt use, driver training, good student, air bags, and emergency military deployment.
  • State Farm has discounts for student away at school, anti-theft, multiple policy, driver’s education, good driver, and multiple autos.
  • Esurance may offer discounts for multi-policy, Switch & Save, claim free, anti-lock brakes, and good student.
  • The Hartford offers premium reductions for defensive driver, good student, bundle, air bag, vehicle fuel type, and anti-theft.

If you are trying to find cheaper insurance coverage quotes, ask every insurance company the best way to save money. Some credits might not apply in every state. To find companies with the best discounts, follow this link.

Do I need special coverages?

When buying adequate coverage, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can help discover whether your personal situation might need professional guidance.

  • Are there companies who specialize in insuring high-risk drivers?
  • Is business property covered if stolen from my car?
  • Are all vehicle passengers covered by medical payments coverage?
  • What is the rate difference between pleasure use and commuting?
  • Is my custom paint covered by insurance?
  • What is PIP insurance?
  • Do all my vehicles need collision coverage?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • When would I need rental car insurance?
  • Is a new car covered when I drive it off the dealer lot?

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 insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Insurance specifics

Understanding the coverages of a insurance policy aids in choosing the best coverages and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy.

Comprehensive protection – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, rock chips in glass and hitting a deer. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverage – This coverage will pay to fix damage to your Taurus resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like colliding with a tree, hitting a parking meter and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your 1994 Ford Taurus.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally the UM/UIM limits are similar to your liability insurance amounts.

Liability coverage – This coverage protects you from damage or injury you incur to other’s property or people in an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Some companies may use a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against claims like court costs, medical services, medical expenses, legal defense fees and loss of income. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Medical expense coverage – Coverage for medical payments and/or PIP reimburse you for expenses for things like chiropractic care, funeral costs, nursing services and doctor visits. They are used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comments About 1994 Ford Taurus Insurance

  1. Deandre Benton

    Like your site, BTW. From Miami, Florida. Got quotes from 21st Century, Hartford, and Eastwood for my 1994 Ford Taurus and cut my rates about $70 a year. Insured with State Farm before. Moved home policy as well.

  2. Amada Whitfield

    I live just to the north of Kansas City, Kansas. Quoted quotes with American Family, Nationwide, and a few others for my Ford and I’m now saving $18 a month. Only insure liability on my Ford.

  3. Kris Brock

    I found pretty cheap rate quotes for a 1994 Ford Taurus in Rochester, New York. Ended up at darn near $90 every six months with AAA.

  4. Carola Tyson

    Checking in from Shreveport, Louisiana. I got free quotes with GEICO, AIG Insurance, and Esurance for my 1994 Ford Taurus and saved just over $60 a year. Insured with USAA before. Hopefully won’t need it. Online quotes are the way to go. When should I drop full coverage?

  5. Marianna Mcleod

    Like your site, BTW. I’m from Nashua, NH. Got free quotes online for a 1994 Ford Taurus. Ended up at about $100 savings annually. Went with 21st Century. Bought it from an online quote. I don’t put full coverage on it.

  6. John Bowers

    Proud to be from Baton Rouge, LA. Got quotes from Mercury, Eastwood, State Farm, and Auto-Owners for my Ford and saved $67 a year. I don’t insure for physical damage though.

  7. Many Oconnor

    When do I drop full coverage?

  8. Carline Castillo

    From northwest of Cleveland, OH. Received quotes from Allstate, AAA, and some I forget for my Ford and saved $83 a year. Was with Travelers. I dropped full coverage awhile back.

  9. Nilda Lindsay

    Nice post. I live just to the north of Rapid City, SD. Got rates from GEICO, American Family, Encompass, and Hartford for my Ford and saved just over $60 a year. Left Farmers to switch. I increased coverages a little too.

  10. Suzi Murray

    Lots of good stuff here. I live just to the east of Boise, ID. Received prices from GEICO, Auto-Owners, and Eastwood for my Taurus and saved just over $80 a year. Was with AAA. Have an at-fault accident tho. Anyone else drop full coverage?

  11. Jovan Mcconnell

    If you have a good history and live in the vicinity of Warren, Michigan, check out 21st Century. You might save some money. I used their website to get prices. It’s only liability tho.

  12. Cecily Travis

    It’s all a rip off. Located in Augusta, Georgia. Got car insurance rates from AAA, MetLife, and some smaller one I can’t remember the name of for my Taurus and I think I am saving around $20 each month. Was with Auto-Owners. Are quotes cheaper online? I just carry liability insurance.