Cheap 2002 Ford Taurus Car Insurance Quotes

Finding cheaper insurance coverage is always slightly frustrating for people who have little experience buying insurance online. With such a big selection of agents and companies, it can quickly become a big hassle to find better prices.

It’s a good habit to shop coverage around occasionally because prices are usually higher with each renewal. Just because you had the best price for Taurus insurance at your last renewal a different company probably has better rate quotes today. Don’t believe everything you read about insurance coverage on the web, but we’re going to give you the best ways to lower your insurance coverage premiums.

If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using these techniques. This information will help educate you on how to effectively get price quotes and some money-saving tips. But vehicle owners do need to understand the methods companies use to sell insurance online because it can help you find the best coverage.

Don’t overlook these insurance coverage discounts

Some insurers don’t list all possible discounts very clearly, so the next list breaks down both the well known and the harder-to-find discounts that you may qualify for.

• Drivers Ed for Students – Have your child complete a driver education course if offered at their school.
• Early Payment Discounts – If you pay your entire premium ahead of time rather than paying monthly you may reduce your total bill.
• Discounts for Multiple Vehicles – Buying coverage for more than one vehicle with the same insurance coverage company may reduce the rate for each vehicle.
• Paperless Signup – Some companies may give you up to $50 for buying your policy on their website.
• Renewal Discounts – A few insurance companies give discounts for switching policies before your current coverage expires. You could save around 10% when you buy insurance online.
• Multi-line Discount – Select companies reward you with lower insurance coveragerates if you buy a life insurance policy as well.
• Air Bag Discount – Vehicles equipped with air bags or motorized seat belts can get savings of 25 to 30%.

Discounts reduce rates, but you should keep in mind that many deductions do not apply the the whole policy. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. If you do the math and it seems like all the discounts add up to a free policy, you aren’t that lucky.

Some companies that may offer policyholders many of the previously listed discounts include:

• State Farm
• Geico
• SAFECO
• Farmers Insurance
• AAA
• USAA

When comparing rates, check with all companies you are considering how you can save money. Savings might not be available to policyholders in your area. To view insurers who offer online insurance coverage quotes, click here.

When to get professional advice

When it comes to choosing the right insurance coverage, there really is no one size fits all plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that may help you determine if your insurance needs could use an agent’s help.

• Is a new car covered when I drive it off the dealer lot?
• Does coverage extend to a rental car in a foreign country?
• Do I pay less for low miles?
• Should I carry comprehensive and collision coverage?
• Am I covered if my car is in a flood?
• Am I insured when driving a different vehicle?
• Can I get a multi-policy discount?
• Am I covered if I crash into my own garage door?
• What should my uninsured motorist coverage limits be in my state?
• Can I drive in Mexico and have coverage?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form.

Misconceptions in car insurance advertisements

Well-known car insurance companies like Progressive, Allstate and Geico regularly use television and radio advertisements. All the ads say the same thing that you’ll save big after switching to them. Is it even possible that every company can charge you a lower premium? You have to listen carefully.

Most companies have specific guidelines for the type of customer that will be a good risk. For example, this type of driver may be a married male, has had continuous coverage, and drives less than 5,000 miles a year. Someone that meets those criteria will get a cheap rate quote and is almost guaranteed to cut their rates if they switch.

Drivers who cannot meet this stringent profile will get higher rates and this results in business going elsewhere. The trick companies use is to say “people that switch” not “everyone that quotes” save the amount stated. That’s the way insurance companies can make those statements.

Different companies use different criteria so drivers must get price quotes at each policy renewal. Because you never know which car insurance company will give you lower auto insurance rates than your current company.

Auto insurance coverages

Learning about specific coverages of a insurance policy helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Comprehensive (Other than Collision) – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as damage from getting keyed, theft and a broken windshield. The maximum payout a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Ford Taurus.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Usually the UM/UIM limits do not exceed the liability coverage limits.

Medical expense insurance – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as rehabilitation expenses, doctor visits, prosthetic devices, hospital visits and ambulance fees. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Liability coverage – This coverage protects you from injuries or damage you cause to other’s property or people. This insurance protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as loss of income, emergency aid, bail bonds, repair costs for stationary objects and pain and suffering. How much coverage you buy is up to you, but buy as much as you can afford.

Collision coverage – Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as colliding with a tree, sustaining damage from a pot hole and rolling your car. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Compare but don’t skimp

Throughout this article, we presented some good ideas how you can compare 2002 Ford Taurus insurance car insurance rates online. It’s most important to understand that the more companies you get premium rates for, the better chance you’ll have of finding inexpensive insurance. You may be surprised to find that the best car insurance rates are with a company that doesn’t do a lot of advertising.

Affordable 2002 Ford Taurus insurance can be purchased online and with local insurance agents, so you should compare both to have the best selection. Some auto insurance companies do not offer rate quotes online and most of the time these small insurance companies only sell coverage through independent insurance agencies.

Insureds switch companies for many reasons like lack of trust in their agent, policy non-renewal, unfair underwriting practices and even high prices. Regardless of your reason for switching companies, finding the right auto insurance provider can be easy and end up saving you some money.

Additional detailed information is available in these articles:

• Vehicle Insurance (Wikipedia)
• Get the Right Protection (InsureUonline.org)
• Airbag FAQ (iihs.org)
• Speed and Speed Limit FAQ (iihs.org)
• Prom Night Tips for Teen Drivers (State Farm)