Lower Your 2009 Ford Taurus Car Insurance Rates

Searching for lower auto insurance rates for your Ford Taurus? Did you make the mistake of buying high-priced auto insurance? You’re in good company because you’re not the only one.

Companies like State Farm, Allstate, Geico and Progressive all claim big savings, bombarding you with ads and it is difficult to see past the geckos and flying pigs and find the best price available.

It is always a good idea to do rate comparisons every six months because auto insurance prices are rarely the same from one policy term to another. Even if you think you had the best quotes on Taurus insurance six months ago there is a good chance you can find better rates now. Forget anything you know (or think you know) about auto insurance because we’re going to show you one of the easiest ways to properly buy coverages and cut your premium.

If you currently have car insurance, you will be able to reduce your rates substantially using these tips. Finding the best rates is not that difficult. Nevertheless, car owners must know the methods companies use to price online insurance.

Why your insurance rates might be higher

One of the most helpful ways to save on auto insurance is to to have a grasp of the different types of things that go into determining the price you pay for auto insurance. If you have some idea of what influences your rates, this enables you to make decisions that will entitle you to lower rates.

• Is insurance coverage cheaper for females or males? – Over time, data shows that men are more aggressive behind the wheel. Now that doesn’t mean women are BETTER drivers than men. Both sexes get in fender benders in similar numbers, but guys cause more damage and cost insurance companies more money. Men also tend to get ticketed for serious violations such as reckless driving. Teenage male drivers are most likely to cause an accident and therefore are the most expensive to insure.
• Do you save by driving less? – The more miles you rack up on your Ford in a year’s time the higher the price you pay to insure it. The majority of insurers apply a rate based upon how much you drive. Cars that do not get driven very much receive lower rates than vehicles that have high annual mileage. Make sure your declarations sheet correctly shows annual mileage, because it can save money. An improperly rated Taurus is just wasting money.
• Vehicle theft costs us all – Choosing to buy a car that has a built-in theft deterrent system can save you a little every year. Anti-theft devices such as OnStar, LoJack tracking, and tamper alarms can help prevent your vehicle from being stolen.
• Higher coverage deductibles lower rates – Deductibles for physical damage represent how much money you are required to pay if you file a covered claim. Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Examples of some claims that would be covered are colliding with a stationary object, vandalism, and damage caused by road hazards. The more expense you are required to pay out-of-pocket, the less your company will charge you for insurance on Taurus insurance.
• With age comes responsibility – Older insureds are proven to be safer behind the wheel, cost insurance companies less in claims , and usually have better credit.Drivers with little experience are proven to be easily distracted when driving with friends so auto insurance rates are higher.
• Discounts for multiple policies – The majority of insurance companies give lower prices to clients that purchase more than one policy, otherwise known as a multi-policy discount. The discount can be anywhere from five to ten percent in most cases. Even if you already get this discount, you still need to check prices from other companies to guarantee you are still saving the most. You may still be able to save money by insuring with multiple companies.

Get lower rates by taking advantage of discounts

Some insurers do not advertise the entire discount list very clearly, so the below list has both the well known as well as the least known insurance savings.

• Anti-theft System – Cars and trucks equipped with anti-theft or alarm systems are less likely to be stolen and qualify for as much as a 10% discount.
• Bundle and Save – When you combine your home and auto insurance with the same insurance company you could get a discount of over 10 percent off each policy depending on the company.
• Telematics Data Discounts – Drivers who agree to allow their insurance company to spy on their driving habits remotely such as Progressive’s Snapshot could save a few bucks if they have good driving habits.
• Switch and Save Discount – Some larger companies reward drivers for switching to them before your current policy expires. This discount can save up to 10%.
• Senior Citizen Rates – If you qualify as a senior citizen, you may qualify for a small discount on rates on Taurus insurance.
• Anti-lock Brake Discount – Vehicles that have steering control and anti-lock brakes have fewer accidents and the ABS can save up to 10%.
• Drive Safe and Save – Drivers who avoid accidents may receive a discount up to 45% on Taurus insurance as compared to drivers with claims.
• Accident Forgiveness – but companies like Liberty Mutual and Geico will turn a blind eye to one accident before hitting you with a surcharge so long as you are claim-free for a set time period.
• More Vehicles More Savings – Purchasing coverage when you have multiple cars on one policy can reduce rates for all insured vehicles.

It’s important to understand that most discount credits are not given to your bottom line cost. Most only cut the cost of specific coverages such as medical payments or collision. So when it seems like you would end up receiving a 100% discount, you won’t be that lucky. But any discount will cut your policy premiums.

If you would like to view providers that provide some of the discounts listed above, click this link.

How much insurance do I need?

When it comes to choosing adequate coverage for your vehicles, there isn’t really a cookie cutter policy. Each situation is unique so this has to be addressed. These are some specific questions may help highlight if you might need professional guidance.

• When would I need additional glass coverage?
• Are my friends covered when driving my car?
• Is my custom paint covered by insurance?
• Is my ex-spouse still covered by my policy?
• Do I have coverage when using my vehicle for my home business?
• What is no-fault insurance?
• If my pet gets injured in an accident are they covered?
• Do I need higher collision deductibles?
• If I drive on a suspended license am I covered?
• What is UM/UIM insurance?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

Car insurance coverages for a Ford Taurus

Knowing the specifics of insurance can be of help when determining which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and reading a policy is terribly boring. Shown next are the usual coverages found on the average insurance policy.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as damage to your 2009 Ford Taurus.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Normally these limits are set the same as your liablity limits.

Liability coverages

Liability coverage can cover injuries or damage you cause to people or other property by causing an accident. It protects you from legal claims by others. It does not cover 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 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Occasionally you may see a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things like court costs, attorney fees, emergency aid, legal defense fees and loss of income. How much liability coverage do you need? That is your choice, but buy as much as you can afford.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for EMT expenses, doctor visits, chiropractic care and X-ray expenses. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things such as damage from getting keyed, damage from flooding, hitting a deer and a broken windshield. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for collisions

Collision coverage will pay to fix damage to your Taurus caused by collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision can pay for things like colliding with another moving vehicle, hitting a mailbox and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible to bring the cost down.

Best coverage at the best price

When you buy car insurance online, make sure you don’t skimp on critical coverages to save a buck or two. Too many times, drivers have reduced comprehensive coverage or liability limits and discovered at claim time they didn’t purchase enough coverage. Your goal is to get the best coverage possible at the best cost, but do not skimp to save money.

Throughout this article, we presented many ideas to compare 2009 Ford Taurus insurance premium rates online. It’s most important to understand that the more quotes you get, the better your chances of lowering your prices. Consumers may even find the best premium rates are with the least-expected company. Smaller companies may have significantly lower prices on certain market segments as compared to the big name companies such as Geico and State Farm.

Discount 2009 Ford Taurus insurance is available online and also from your neighborhood agents, so you need to shop car insurance with both to have the best rate selection. Some insurance providers do not offer the ability to get quotes online and usually these regional carriers work with independent agents.

Additional information

• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Preventing Carjacking and Theft (Insurance Information Insitute)
• How to Avoid Common Accidents (State Farm)
• Auto Insurance FAQ (Farmers Insurance)