Cheaper 2000 Ford Taurus Car Insurance Quotes

Nobody that owns a car likes having to buy insurance, especially when they are aware that their premiums are too high.

Lots of auto insurance companies contend for your business, and it can be difficult to compare rates and uncover the absolute lowest cost out there.

You should take the time to get comparison quotes once or twice a year since insurance prices go up and down regularly. Just because you found the best price for Taurus coverage a couple years back there may be better deals available now. Forget anything you know (or think you know) about insurance because you’re about to learn one of the quickest ways to find the best coverage while lowering your premiums.

Ford Taurus insurance cost factors

Many different elements are used when you get your auto insurance bill. A few of the factors are predictable like an MVR report, but others are not as apparent such as your credit history and annual miles driven.It’s important that you understand the rating factors that help determine your policy premiums. When you know what positively or negatively impacts premium levels, this enables you to make decisions that could help you find better insurance rates.

The itemized list below are some of the most common factors utilized by car insurance companies to help set rates.

  • Frequent claims will cost you more – Car insurance companies provide cheaper rates to drivers who only file infrequent claims. If you file a lot of claims you can definitely plan on increased rates or even have your policy non-renewed. Your insurance policy is intended for more catestrophic claims.
  • Prevent theft and reduce insurance rates – Choosing a vehicle with anti-theft technology or alarm system can earn a premium discount. Advanced theft deterrents such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system help track and prevent your vehicle from being stolen.
  • Safer vehicles save money – Cars with high safety ratings tend to have better insurance rates. Safe vehicles have better occupant injury protection and better occupant protection translates into savings for insurance companies which can result in lower premiums.
  • Always keep your coverage in force – Driving any period of time without insurance can get your license suspended and your next policy will cost more because you let your coverage lapse. Not only will rates go up, getting caught without coverage may earn you fines or a revoked license. Then you may be required to submit proof of financial responsibility or a SR-22 with your state DMV.
  • Pleasure use saves money – The higher the mileage driven in a year’s time the higher the price you pay to insure it. Many insurance companies calculate prices based upon how you use the vehicle. Autos that are left in the garage receive better premium rates compared to those used for work or business. Double check that your insurance policy states the correct usage, because improper ratings can cost you money. Having the wrong rating on your Taurus is just wasting money.
  • Bundle home and auto and save – Some companies afford discounts to clients that buy multiple policies in the form of a multi-policy discount. The amount of the discounts can be 10 percent or more. Even though this discount sounds good, drivers will still want to check prices from other companies to ensure the best deal.

Free insurance coverage price quotes

There are a lot of ways to shop for insurance coverage, but there is one way that is less labor-intensive and much quicker. You could waste time driving to agents in your area, or you could use online quotes to get pricing more quickly.

Most car insurance companies are enrolled in a marketplace that allows shoppers to submit their information once, and at least one company returns a competitive quote based on that information. This saves time by eliminating quote forms for each company.

To compare rates using this form now click to open in new window.

The one disadvantage to pricing coverage this way is that consumers can’t choose which providers you want to price. If you would rather choose specific insurance companies to compare, we have assembled a list of insurance coverage companies in your area. Click here for list of insurance companies.

However you get your quotes, make absolute certain that you use apples-to-apples coverage limits and deductibles for each price quote. If the quotes have different limits and deductibles on each one it will be impossible to find the best deal for your Ford Taurus. Slightly different insurance coverages or limits could skew the results. And when comparing insurance coverage rates, know that comparing a wide range of rates helps locate more affordable insurance.

Do you qualify for discount auto insurance?

Car insurance is not cheap, but you might be missing out on some discounts that you may not know about. A few discounts will be applied at the time you complete a quote, but a few must be inquired about prior to receiving the credit.

  • Auto/Life Discount – Select companies reward you with a break if you buy some life insurance too.
  • Anti-lock Brake Discount – Cars and trucks that have anti-lock braking systems have fewer accidents and therefore earn up to a 10% discount.
  • Anti-theft System – Vehicles that have factory alarm systems and tracking devices can help prevent theft and can earn a small discount on your policy.
  • Discount for Passive Restraints – Options like air bags and/or automatic seat belt systems could see savings up to 30%.
  • Telematics Devices – Policyholders that allow their company to track driving manner through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate might get better premium rates as long as they are good drivers.
  • Waiver for an Accident – Not really a discount, but a few companies such as GEICO, Allstate and Liberty Mutual will turn a blind eye to one accident before they charge you more for coverage if you are claim-free for a particular time prior to the accident.
  • Government Employee Discount – Having worked for a branch of the government may reduce rates when you quote insurance coverage for Taurus coverage with a few auto insurance companies.

It’s important to note that most credits do not apply the the whole policy. Some only apply to specific coverage prices like medical payments or collision. Despite the appearance that you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

Car insurance companies that possibly offer some of the discounts shown above include:

When getting a coverage quote, ask all the companies what discounts are available to you. Some credits may not apply to policyholders in your area.

What insurance coverages do I need?

When buying proper insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions may help you determine whether you would benefit from professional advice.

  • Can my teen driver be rated on a liability-only vehicle?
  • Does my 2000 Ford Taurus qualify for pleasure use?
  • How high should deductibles be on a 2000 Ford Taurus?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Do I need motorclub coverage?
  • Is rental equipment covered for theft or damage?
  • Is my nanny covered when driving my vehicle?
  • Why do I need rental car insurance?
  • Do I need replacement cost coverage?

If you can’t answer these questions but you know they apply to you, you might consider talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance coverage companies in your area.

Insurance coverages explained

Learning about specific coverages of a insurance policy helps when choosing the right coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages available from insurance companies.

Comprehensive (Other than Collision)

This 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 pays for things such as falling objects, damage from flooding, hitting a bird and rock chips in glass. The maximum amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers

This provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Usually the UM/UIM limits are similar to your liability insurance amounts.

Medical expense insurance

Med pay and PIP coverage reimburse you for short-term medical expenses for hospital visits, ambulance fees, nursing services and surgery. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover you and your occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Liability coverage

Liability coverage can cover damage or injury you incur to other’s property or people that is your fault. This insurance protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for claims such as court costs, structural damage and medical expenses. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.

Coverage for collisions

Collision insurance covers damage to your Taurus caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things such as colliding with a tree, scraping a guard rail, rolling your car and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Knowledge is power

When buying insurance coverage, never reduce needed coverages to save money. In many instances, consumers will sacrifice full coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your objective should be to purchase a proper amount of coverage at the best price, not the least amount of coverage.

We’ve covered a lot of information how to save on 2000 Ford Taurus insurance. The most important thing to understand is the more times you quote, the higher the chance of saving money. Consumers could even find that the lowest prices are with a lesser-known regional company. These smaller insurers may have significantly lower rates on certain market segments compared to the large companies like Allstate, GEICO and Progressive.

Lower-priced 2000 Ford Taurus insurance is attainable on the web in addition to local insurance agencies, so get free insurance coverage quotes from both of them to have the best rate selection. A few companies don’t offer online rate quotes and usually these smaller companies provide coverage only through independent agencies.

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Comments About 2000 Ford Taurus Insurance

  1. Elane Marks

    GEICO and State Farm had the best prices I found in Wisconsin.

  2. Malka Christian

    I’m looking for cheaper coverage. I live just to the south of Cranston, RI. Quoted prices from Amica, Mercury, and Travelers for my Taurus and I’m now saving $17 a month. Thankfully I’m not a high risk driver.

  3. Glenna Farmer

    Well-written and thought out article. I live on the east side of Columbus, OH. Received prices from Amica, Sentry, and USAA for my Ford and cut my rates about $100 a year. Got better coverage too. I don’t insure for physical damage though.

  4. Mackenzie Williams

    I’m just north of Eugene, Oregon. I compared lots of rates. Saved darn near $20 a month. Allstate was the cheapest for me. I have a couple other vehicles on the policy. I used their online quote form to compare rates. Only insure liability on my Ford.

  5. Gita Forbes

    From a town just southwest of Lincoln, NE. Quoted with MetLife, Eastwood, State Farm, and AAA for my Ford and saved just over $70 a year. Left Amica to switch. I used their online quote form to compare rates.

  6. Juan Donovan

    Will Allstate do a SR22 in Aurora, Colorado?

  7. Karen Dunn

    Good detail in your article. I live in a small town just outside of Indianapolis, IN. Got prices from Progressive, American Family, and Eastwood for my 2000 Ford Taurus and I think I saved around $20 each month. Have an at-fault accident tho. I don’t insure for physical damage though.

  8. Porsha Hull

    Will State Farm rates go up if I file a claim?

  9. Danial Wolfe

    Cheaper not always better. From Henderson, Nevada. Compared quite a few companies. Saved roughly $30 a month. 21st Century was the best choice for me. I’m a pretty good driver though. It’s easy to compare rates online now. Full coverage costs too much.

  10. Lekisha Russell

    Enjoyed the article. I live in Springfield, MA. Got car insurance rates from American Family, Nationwide, and some smaller one I can’t remember the name of for my Ford and saved just over $80 a year. Good savings if you bundle.

  11. Kai Herrera

    Hope my rates come down. I live on the east side of Portland, Oregon. I quoted with Sentry, Eastwood, GEICO, and Auto-Owners for my 2000 Ford Taurus and saved just over $80 a year. Anyone else drop full coverage?

  12. Ronnie Horton

    Will State Farm do a SR22 in Portland, Oregon?

  13. Neely Ware

    Cheap car insurance? What’s that? I live in Cincinnati, OH. Got car insurance quotes from Safeco, Farmers, State Farm, and Auto-Owners for my 2000 Ford Taurus and saved $83 a year. I recommend comparing lots of rates.

  14. Nicky Sharpe

    I think I’m paying too much. Located in Baton Rouge, LA. I got free quotes from Allstate, The General, and Farmers for my Ford and I’m now saving $19 a month. Was with Erie. I have a couple other vehicles on the policy. I don’t have comp or collision coverage.

  15. Sadye Ashley

    Well-written and thought out article. I’m just east of Frederick, Maryland. Checked online prices for a 2000 Ford Taurus. Ended up at about $90 savings annually. Went with GEICO. I get a discount for insuring multiple vehicles. Just liability coverage since it’s getting old.

  16. Sherrie Baker

    Nice post. I’m from Milwaukee, WI. Received quotes from Nationwide, Eastwood, State Farm, and Auto-Owners for my Taurus and saved just over $80 a year. I used their online quote form to compare rates.

  17. India Gilbert

    Proud to be from Bellevue, Nebraska. Compared quite a few companies. Saved right around $20 a month. Allstate was the best choice for me. They have a lot of discounts available. Anyone else drop full coverage?

  18. Kary Donovan

    Will 21st Century raise rates for a windshield claim?

  19. Edwina Gilmore

    What exactly does liability cover?