1999 Ford Taurus Insurance Quotes

Have you fallen victim to high-priced auto insurance? Don’t feel bad because there are lots of residents who feel the same. You have so many car insurance companies to pick from, and although it’s a good thing to have multiple companies, more choices can make it harder to get the best deal.

Choosing the best insurance company for you is not that difficult. If you have insurance now or need new coverage, you can use these tips to get lower rates and still get good coverage. Consumers just need to learn how to get comparison quotes on the web.

Save money by taking advantage of discounts

Buying insurance is not cheap, but there could be significant discounts that you may not even know about. A few discounts will automatically apply when you quote, but less common discounts must be specifically requested before they will apply.

• Discounts for Government Workers – Employees or retirees of the government can save as much as 8% for Taurus insurance but check with your company.
• ABS Brakes – Anti-lock brake equipped vehicles are much safer to drive and therefore earn up to a 10% discount.
• Telematics Data Discounts – Drivers that enable their insurance company to look at driving manner remotely such as In-Drive from State Farm or Allstate’s Drivewise system might get better premium rates as long as they are good drivers.
• Discount for New Cars – Adding a new car to your policy is cheaper because new model year vehicles keep occupants safer.
• Claim-Free Discount – Drivers with accident-free driving histories have much lower rates in comparison to drivers who are more careless.
• Discount for Swiching Early – A few larger companies allow discounts for signing up prior to the expiration date on your current policy. You may see this discount when you get insurance coverage quotes online.
• Seat Belts Save – Requiring all passengers to use their safety belts can save 10% or more on the premium charged for medical payments and/or PIP.

You should keep in mind that some credits don’t apply to your bottom line cost. Most only reduce the price of certain insurance coverages like medical payments or collision. So even though you would think you can get free auto insurance, company stockholders wouldn’t be very happy.

A few companies that have most of these discounts may include but are not limited to:

• Farm Bureau
• Liberty Mutual
• State Farm
• Auto-Owners Insurance
• Geico
• SAFECO

When quoting, ask each company or agent which discounts can lower your rates. Depending on the company, some discounts might not be offered on policies in your area. If you would like to see a list of insurers that offer the discounts shown above, follow this link.

Insurance rates are influenced by these factors

Part of the insurance coverage buying process is learning the rating factors that help determine your policy premiums. If you know what impacts premium levels, this allows you to make good choices that can earn you big savings.

• Safeguard your assets with liability protection – Liability insurance is the protection in the event that you are found to be at fault for damages caused by your negligence. Liability insurance provides you with a defense in court to attempt to prove you were not liable. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not cut corners here.
• Continuous coverage lowers insurance coverage rates – Going without insurance will be a quick way to increase your rates. Not only will you pay more, the inability to provide proof of insurance could result in a license revocation or jail time.
• Rates can drop if you have more than one policy – Some insurance coverage companies will give lower prices to clients that have more than one policy. It’s known as a multi-policy discount. Discounts can amount to as much as ten percent or more Even though this discount sounds good, it’s in your best interest to get quotes from other companies to ensure the best deal.
• Rental and towing coverage may not be needed – Insurance policies have a lot of additional extra coverages that can waste your money but may not be useful. Add-on coverages like vanishing deductibles, towing, and Farm Bureau memberships are some examples. These coverages may sound good when discussing your needs, but now you might not need them so remove them and pocket the money.
• Low coverage deductibles can be expensive – Protection for physical damage, otherwise known as comp (or other than collision) and collision, insures against damage to your Ford. Some examples of covered claims would be running into the backend of another car, damage caused by hail, and burglary. Comprehensive and collision coverage deductibles define how much you are required to spend out-of-pocket before a claim is paid by your company. The more expense you pay before a claim is paid (deductible), the bigger discount you will receive for Taurus insurance.

How much car insurance do I need?

When buying the right insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Everyone’s situation is a little different so your insurance needs to address that. For example, these questions might point out if your insurance needs might need an agent’s assistance.

• Should I get collision insurance on every vehicle?
• What happens if I owe more than my 1999 Ford Taurus is worth?
• Do I need roadside assistance coverage?
• Am I covered when pulling a rental trailer?
• Is business property covered if stolen from my car?
• Does my car insurance cover rental cars?
• Can I get a multi-policy discount?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form or click here for a list of car insurance companies in your area. It only takes a few minutes and can help protect your family.

Parts of your insurance policy

Understanding the coverages of your insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on the average insurance policy.

Collision insurance

This pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like crashing into a building, damaging your car on a curb, colliding with a tree and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to raise the deductible to bring the cost down.

Liability car insurance

Liability insurance protects you from damages or injuries you inflict on other’s property or people that is your fault. This coverage protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims such as pain and suffering, attorney fees and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Comprehensive (Other than Collision)

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like hitting a bird, rock chips in glass and a broken windshield. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical expense insurance

Coverage for medical payments and/or PIP pay for immediate expenses like prosthetic devices, X-ray expenses, rehabilitation expenses, nursing services and doctor visits. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

More choices the merrier

As you go through the steps to switch your coverage, make sure you don’t sacrifice coverage to reduce premiums. In many cases, consumers will sacrifice physical damage coverage and learned later that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy the best coverage you can find for the lowest cost while still protecting your assets.

Budget-friendly insurance coverage is attainable from both online companies and with local insurance agents, and you should compare rates from both so you have a total pricing picture. Some insurance providers don’t offer rate quotes online and these small, regional companies prefer to sell through local independent agencies.

To learn more, take a look at the articles below:

• Collision Coverage (Liberty Mutual)
• State Car Insurance Guides (Geico)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• Rental Reimbursement Coverage (Allstate)
• Uninsured Motorist Statistics (Insurance Information Insitute)