How Much Does 1995 Ford Taurus Car Insurance Cost?

Searching for lower insurance rates for your Ford Taurus? Wish you could get a refund on high-priced insurance? Believe me when I say you are not the only one feeling buyer’s remorse.

You have multiple insurance companies to insure vehicles with, and although it’s a good thing to have a selection, it makes it harder to get the best deal.

It’s a great practice to take a look at other company’s rates before your next renewal since prices change regularly. Even if you think you had the best rates for Taurus insurance six months ago a different company probably has better rate quotes today. Forget anything you know (or think you know) about insurance because we’re going to demonstrate the only way to get good coverage at a lower rate.

Quote car insurance online

There are several ways you can shop for car insurance but one way is more efficient than others. You could spend the better part of a day talking about coverages with insurance agencies in your area, or you can utilize online quoting for quick rates.

The majority of car insurance companies belong to a marketplace that enables customers to send in one quote, and each participating company provides a quote. This system prevents you from having to do quote requests for every car insurance company. To use this form to compare rates click here to open in new window.

The single downside to doing it this way is you can’t choose which providers you want pricing from. If you would rather choose from a list of companies to compare, we have a listing of low cost car insurance companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but be sure you’re using nearly identical coverages and limits on every price quote you get. If you enter differing limits it will be very difficult to determine the best price for your Ford Taurus. Quoting even small variations in limits can make a big difference in price. Just remember that getting more free quotes will enable you to find the best rates.

These discounts can lower auto insurance rates

Not too many consumers would say auto insurance is affordable, but you might find some hidden discounts that could drop your premiums quite a bit. Many discounts should be triggered when you purchase, but some may not be applied and must be requested specifically before they will apply.

  • Early Payment Discounts – If you can afford to pay the entire bill instead of monthly or quarterly installments you can avoid monthly service charges.
  • Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to fasten their seat belts may be able to save a few bucks off the medical payments premium.
  • Passenger Safety Discount – Cars that have air bags and/or automatic seat belt systems may earn rate discounts of up to 25% or more.
  • Good Student Discount – Being a good student may save you up to 25%. The discount lasts up until you turn 25.
  • Own a Home and Save – Just being a homeowner may earn you a small savings because of the fact that having a home is proof that your finances are in order.
  • Active Service Discounts – Being on active duty in the military could be rewarded with lower prices.
  • Discount for Multiple Policies – If you can combine your auto and homeowners policy and place coverage with the same company you will save over 10 percent off each policy depending on the company.
  • Clubs and Organizations – Being in a qualifying organization may earn a discount on your bill.

Discounts lower rates, but most credits do not apply to the overall cost of the policy. Most cut individual premiums such as comprehensive or collision. So even though it sounds like all those discounts means the company will pay you, companies wouldn’t make money that way. Any amount of discount will help reduce the cost of coverage.

Auto insurance companies that may include these discounts include:

Before buying, ask all companies you are considering which discounts they offer. All car insurance discounts might not apply in your state. To locate companies with the best auto insurance discounts, click here to view.

When do I need an agent’s advice?

When buying coverage, there really is no cookie cutter policy. Everyone’s situation is unique so this has to be addressed. Here are some questions about coverages that may help you determine if your situation would benefit from professional advice.

  • Will my rates increase for filing one claim?
  • What is covered by UM/UIM coverage?
  • Should I carry comprehensive and collision coverage?
  • When would I need additional glass coverage?
  • How can I find cheaper teen driver insurance?
  • Is my trailer covered?
  • Do I need medical payments coverage since I have good health insurance?
  • Is business equipment covered while in my vehicle?
  • What is PIP insurance?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier

Seven tips to get more affordable insurance rates

Many factors are taken into consideration when premium rates are determined. A few of the factors are predictable like a motor vehicle report, although others are more transparent such as your credit history or your commute time.

  • Lower rates by increasing coverage deductibles – Comprehensive and collision coverage deductibles define the amount you are willing to pay in the event of a claim. Physical damage coverage, also known as collision and other-than-collision, protects your car from damage. Some examples of claims that would be covered could be rearending another vehicle, damage from fire, and damage from wind. The more money you are required to pay out-of-pocket, the less your car insurance will be for Taurus insurance.
  • Don’t cut corners with liability coverage – Liability insurance will provide protection when you are determined to be liable for causing personal injury or damage in an accident. Your liability coverage provides legal defense coverage starting from day one. It is affordable coverage as compared to coverage for physical damage, so do not skimp.
  • Do you really need roadside assistance? – There are quite a few extra add-on coverages that sound like a good idea at the time when buying car insurance. Coverages like personal injury protection, towing, and extra equipment coverage are probably not needed. They may sound like good ideas when deciding what coverages you need, but if you have no use for them eliminate them to save money.
  • Poor credit can mean higher costs – Having a bad credit rating will be a significant factor in determining your rates. So if your credit rating is low, you could pay less to insure your 1995 Ford Taurus if you clean up your credit. People with excellent credit tend to file fewer claims and have better driving records than drivers who have lower ratings.
  • Don’t let your car insurance lapse – Driving without insurance coverage in place is a misdemeanor and car insurance companies will penalize you for letting your coverage cancel without a new policy in place. Not only will rates go up, the inability to provide proof of insurance can result in a hefty fine and possibly a revoked license.
  • Lower rates with a multi-policy discount – Many car insurance companies allow better rates to buyers who carry more than one policy in the form of a multi-policy discount. Even if you already get this discount, it’s still a good idea to compare other company rates to make sure you are getting the best deal. You may still save more without the discount by splitting coverages up.
  • Lower rates come with age – Older people are viewed as being more responsible, tend to cause fewer accidents and receive fewer citations.Beginning drivers are known to get distracted easily when driving with friends so they pay higher car insurance rates.

Coverages available on your auto insurance policy

Having a good grasp of a auto insurance policy helps when choosing appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverages offered by auto insurance companies.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family and damage to your Ford Taurus.

Since 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. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for bills for things like doctor visits, dental work, rehabilitation expenses and EMT expenses. They are used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Collision coverage

This coverage will pay to fix damage to your Taurus caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims such as backing into a parked car, colliding with a tree, rolling your car, crashing into a ditch and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Comprehensive coverage

Comprehensive insurance coverage covers 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 can pay for claims like falling objects, damage from getting keyed and hail damage. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability coverages

Liability coverage provides protection from damages or injuries you inflict on a person or their property in an accident. It protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers things such as medical services, medical expenses, bail bonds and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as much as you can afford.

Don’t be a big spender

As you shop your coverage around, do not skimp on critical coverages to save a buck or two. In many instances, an insured dropped collision coverage and discovered at claim time they didn’t purchase enough coverage. Your goal should be to buy enough coverage at an affordable rate, but don’t skip important coverages to save money.

Cost effective 1995 Ford Taurus insurance is possible both online and also from your neighborhood agents, so you need to quote insurance coverage with both to have the best rate selection. There are still a few companies who don’t offer the ability to get a quote online and most of the time these regional insurance providers sell through independent insurance agencies.

Throughout this article, we presented many tips how you can reduce 1995 Ford Taurus insurance premium rates online. The key thing to remember is the more rate comparisons you have, the better your comparison will be. You may even find the lowest premium rates come from a small mutual company. Smaller companies can often insure niche markets at a lower cost compared to the large companies like Allstate or State Farm.

Additional information

Comments About 1995 Ford Taurus Insurance

  1. Kathaleen Bauer

    Thanks for putting this site together. Checking in from Greensboro, NC. Can’t remember who all I quoted but I ended up saving about $20 each month. I get a discount for insuring multiple vehicles. I think I’ll get rid of full coverage next time.

  2. Alejandro Ashley

    IT’S ALL TOO EXPENSIVE! I live just outside Colorado Springs, CO. Received prices from Progressive, Auto-Owners, and some I forget for my Taurus and saved $87 a year. I just carry liability insurance.

  3. Terina Rojas

    Nice info. I’m in Saint Louis, MO. Can’t remember who all I quoted but I ended up saving about $20 each month. Insured with Nationwide before. BTW speeding tickets are not good. :) I don’t put full coverage on it.

  4. Ethel Phelps

    Checking in from Columbia, SC. Got rates from Western Auto Insurance, American Family, The General, and MetLife for my Ford and am saving around $110 a year. My new agent seems to be really good. I just quoted rates online. Anyone else drop full coverage?

  5. Audry Schmidt

    I switched to 21st Century. Quoted good rates in Evansville, Indiana. Have an at-fault accident tho.

  6. Terrie Brewer

    Lots of good stuff here. I’m in the south part of Saint Paul, MN. I got free quotes with USAA, Amica, Hanover, and Safeco for my 1995 Ford Taurus and saved $74 a year. I increased coverages a little too.

  7. Derick Snider

    I live east of Grand Forks, ND. Compared rates from a lot of places. Saved about $20 a month. Allstate was the most affordable for me. Left AAA to switch. Can still barely afford it.

  8. Julissa Bird

    Will 21st Century cancel if I have a claim?