1998 Ford Taurus Insurance Quotes – 5 Tips for Best Rates

Expensive Ford Taurus insurance can sap your personal savings and make it impossible to make ends meet. Comparing rate quotes can save money and help to slash your bill and have more diposable income.

Consumers have many insurance companies to choose from, and even though it’s nice to have multiple companies, it can be more difficult to compare rates.

It’s a good idea to compare rates yearly because car insurance rates are usually higher with each renewal. Even if you got the lowest premium rates on Taurus insurance a few years ago other companies may now be cheaper. Block out anything you think you know about car insurance because we’re going to demonstrate the proper way to properly buy coverages while reducing your premium.

Finding affordable coverage is not rocket science. If you are paying for car insurance now, you will most likely be able to cut costs considerably using this information. Consumers just need to understand the most efficient way to get comparison quotes on the web.

These five discounts can lower your insurance quotes

Some insurers don’t list every policy discount very clearly, so the following is a list of a few of the more well known as well as some of the hidden credits that may apply to you.

• Discount for Good Grades – A discount for being a good student could provide a savings of up to 20% or more. Most companies allow this discount up until you turn 25.
• Accident-Free Discounts – Good drivers with no accidents pay less in comparison to insureds who have frequent claims or accidents.
• Anti-lock Brakes – Cars with ABS braking systems or traction control are much safer to drive and earn discounts up to 10%.
• Passive Restraints and Air Bags – Cars that have air bags or automatic seat belts can get savings of more than 20%.
• Multi-Vehicle Discounts – Buying insurance for several vehicles with the same company can get a discount on all vehicles.

One last thing about discounts, most of the big mark downs will not be given the the whole policy. Some only reduce the price of certain insurance coverages like comp or med pay. Despite the fact that it seems like having all the discounts means you get insurance for free, it’s just not the way it works.

A few popular companies and their offered discounts are shown below.

• American Family has discounts for multi-vehicle, air bags, early bird, good student, good driver, and mySafetyValet.
• State Farm may have discounts that include defensive driving training, good student, good driver, anti-theft, driver’s education, and multiple policy.
• 21st Century policyholders can earn discounts including defensive driver, air bags, theft prevention, homeowners, teen driver, and student driver.
• Travelers offers discounts for driver training, IntelliDrive, multi-policy, payment discounts, new car, student away at school, and continuous insurance.
• Geico offers discounts including anti-lock brakes, driver training, emergency military deployment, daytime running lights, military active duty, and multi-policy.

It’s a good idea to ask each company which discounts you qualify for. A few discounts may not be offered in your area.

The fastest way that we advise to compare rates is to know the trick most larger insurance companies participate in a system to quote your coverage. The one thing you need to do is provide a small amount of information such as how many miles driven, if you have an active license, if the car is leased, and coverage limits. Your insurance information gets transmitted to multiple insurance providers and they return cost estimate instantly to find the best rate.

Different people need different car insurance coverages

When it comes to buying the best car insurance coverage for your vehicles, there really is not a best way to insure your cars. Each situation is unique and your policy should reflect that. These are some specific questions can aid in determining whether your personal situation may require specific advice.

• Is a blown tire covered by insurance?
• Do all my vehicles need collision coverage?
• Should I bundle my homeowners policy with my auto?
• How much liability insurance is required?
• Does insurance cover damages from a DUI accident?
• Will I be non-renewed for getting a DUI or other conviction?
• Why am I required to get a high-risk car insurance policy?
• Does my policy cover me when driving someone else’s vehicle?
• Who is covered when they drive my 1998 Ford Taurus?
• What happens if I owe more than my 1998 Ford Taurus is worth?

If you can’t answer these questions then you might want to talk to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of car insurance companies in your area. It is quick, free and you can get the answers you need.

Insurance specifics

Having a good grasp of your insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are the usual coverages offered by insurance companies.

Insurance for medical payments

Med pay and PIP coverage pay for expenses for things like nursing services, dental work, EMT expenses, prosthetic devices and doctor visits. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as theft, hail damage, damage from a tornado or hurricane and a tree branch falling on your vehicle. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Ford Taurus.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Collision coverage

This coverage 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 things such as hitting a mailbox, colliding with a tree and rolling your car. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to bring the cost down.

Liability insurance

Liability insurance protects you from injuries or damage you cause to people or other property. This insurance protects YOU from legal claims by others, and does not provide coverage for 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 values of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for claims such as medical expenses, repair costs for stationary objects, repair bills for other people’s vehicles and court costs. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.

Be Smart and Buy Smart

Budget-friendly auto insurance is attainable from both online companies and from local insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some auto insurance companies may not have internet price quotes and these small insurance companies prefer to sell through independent agents.

We just presented quite a bit of information on how to save on 1998 Ford Taurus insurance. The key concept to understand is the more quotes you get, the higher your chance of finding cheaper auto insurance. Consumers may even find the best prices are with a company that doesn’t do a lot of advertising. Some small companies may often insure only within specific states and give getter rates compared to the large companies like Progressive and Geico.

More detailed auto insurance information can be read in these articles:

• Booster Seat Ratings (iihs.org)
• Steps to Take After an Auto Accident (Insurance Information Insitute)
• Auto Crash Statistics (Insurance Information Insitute)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Auto Insurance Learning Center (State Farm)