2012 Ford Taurus Insurance Quotes

When trying to find lower-priced insurance, are you intimidated by the sheer number of insurance providers available to you? There are so many options that it can be a challenge to lower your insurance rates.

If you currently have car insurance, you should be able to lower your premiums substantially using these methods. Buying the best car insurance coverage is easy if you know what you’re doing. But vehicle owners can benefit from knowing how companies price insurance differently and apply this information to your search.

Insurance quotes comparison

All the larger insurance companies like Allstate, Geico and Progressive allow consumers to get insurance quotes on the web. Getting prices online doesn’t take a lot of time as you simply enter your coverage preferences into the form. After you complete the form, the company’s rating system automatically orders information on your driving record and credit history and generates pricing information based on the information you submitted.

Online price estimates makes comparing rates easy, but the time required to go to each company’s website and repetitively type in your information can be a bit tiresome and repetitive. But it’s very important to do this in order to find a better rate.

There is an easier way!

The easiest way to find better insurance pricing requires only one form to get prices from several different companies. It’s a real time-saver, requires less work, and makes rate comparisons much more enjoyable and efficient. Immediately after submitting the form, your coverage is rated and you are able to buy any one of the resulting price quotes. If the quotes result in lower rates, it’s easy to complete the application and purchase the new policy. The whole process takes 15 minutes at the most and could lower your rates considerably.

To save time and find out what other companies charge, simply click here to open in new window and complete the simple form. To compare your current rates, we recommend you input deductibles and limits exactly as shown on your declarations page. Doing this guarantees you are getting a price comparison for similar insurance coverage.

Auto insurance policy discounts you can’t miss

Auto insurance companies don’t always publicize every possible discount in an easy-to-find place, so the below list has some of the best known and the harder-to-find auto insurance savings. If you do not check that you are getting every discount you qualify for, you’re just leaving money on the table.

• Good Grades Discount – Excelling in school could provide a savings of up to 20% or more. The good student discount can last up until you turn 25.
• Early Payment Discounts – If you can afford to pay the entire bill as opposed to paying monthly you may reduce your total bill.
• Cautious Driver Discounts – Drivers without accidents may save up to 50% more on Taurus coverage compared to accident prone drivers.
• Driver’s Education for Students – Cut your cost by having your teen driver successfully complete driver’s ed class if it’s offered in school.
• Discount for Passive Restraints – Vehicles with factory air bags or automatic seat belts may earn rate discounts as much as 30%.

Remember that most credits do not apply to the entire cost. Most cut the cost of specific coverages such as medical payments or collision. So despite the fact that it appears you would end up receiving a 100% discount, companies wouldn’t make money that way.

Large auto insurance companies and their possible discounts are included below.

• Progressive offers discounts including multi-policy, continuous coverage, multi-vehicle, good student, online quote discount, and online signing.
• MetLife has savings for multi-policy, good driver, claim-free, defensive driver, accident-free, and good student.
• Mercury Insurance may have discounts that include age of vehicle, multi-policy, location of vehicle, multi-car, anti-theft, accident-free, and good driver.
• Nationwide includes discounts for defensive driving, business or organization, good student, easy pay, multi-policy, anti-theft, and accident-free.
• Geico may offer discounts for good student, driver training, anti-lock brakes, five-year accident-free, federal employee, and multi-vehicle.
• AAA offers premium reductions for multi-car, good student, education and occupation, pay-in-full, good driver, multi-policy, and anti-theft.

When getting a coverage quote, ask each company which credits you are entitled to. A few discounts may not be offered in your area. To choose insurance companies that provide some of the discounts listed above, click here.

Smart buyers save on insurance

When buying insurance it’s important to understand a few of the rating criteria that help calculate your policy premiums. If you have a feel for what influences your rates, this empowers consumers to make smart changes that may reward you with lower insurance prices. Multiple criteria are part of the calculation when quoting car insurance. Some are pretty understandable like a motor vehicle report, but some are less obvious like your vehicle usage or your vehicle rating.

• How credit rating affects insurance premiums – Having a bad credit score can be an important factor in determining what you pay for insurance. So if your credit score leaves room for improvement, you could potentially save money when insuring your 2012 Ford Taurus by spending a little time repairing your credit. Insureds with high credit ratings tend to be less risk to insure than drivers who have poor credit scores.
• A insurance lapse can increase premiums – Not maintaining insurance is not a good idea and insurance companies will penalize you for letting your coverage have a gap. And not only will insurance be more expensive, not being able to provide proof of insurance might get you fines and jail time.
• Insurance rates and age – Young drivers are statistically shown to be careless and easily distracted when driving with friends so insurance rates are higher. If you’ve ever had to add a first-time driver onto your insurance can really hurt. Older, more experienced drivers are shown to be more cautious, file fewer claims and are safer drivers.
• Bundle policies with the same company – Most larger companies give discounts to buyers that have more than one policy such as combining an auto and homeowners policy. Even if you already get this discount, you still need to compare rates to make sure you are getting the best deal.
• Battle of the sexes – Statistics have proven women are more cautious behind the wheel. This data doesn’t prove that females are better at driving than males. Both genders get in accidents at a similar rate, but the males cause more damage. Men also tend to get cited for more serious violations such as driving while intoxicated (DWI) or driving recklessly.
• Lower miles equals lower premium – The more you drive your Ford annually the higher the price you pay to insure it. Most insurance companies rate vehicles based upon how much you drive. Autos that have low annual miles qualify for better rates than cars that get driven a lot. Make sure your policy properly reflects how each vehicle is driven. Having the wrong rating on your Taurus is just wasting money.
• Don’t get traffic citations – Careful drivers have lower premiums than people who have multiple driving citations. Even one chargable violation may increase your cost substantially. Drivers who have gotten license-revoking violations like DUI or reckless driving may face state-mandated requirements to prove financial responsibility with their state DMV in order to legally drive.

Insurance agents can help

When choosing coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Everyone’s needs are different.

For example, these questions might point out if your insurance needs would benefit from an agent’s advice.

• Can I drive in Mexico and have coverage?
• Can I make deliveries for my home business?
• Do I need rental car coverage?
• Does insurance cover tools stolen from my truck?
• Is upholstery damage covered by car insurance?
• What exactly is covered by my policy?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form.

Auto insurance coverage options for a 2012 Ford Taurus

Understanding the coverages of a auto insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Auto liability

Liability coverage can cover damage or injury you incur to other people or property by causing an accident. This insurance protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability insurance covers claims like repair bills for other people’s vehicles, loss of income, pain and suffering, structural damage and legal defense fees. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Auto collision coverage

Collision coverage covers damage to your Taurus resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as damaging your car on a curb, rolling your car and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also bump up the deductible to save money on collision insurance.

Comprehensive auto insurance

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as damage from flooding, a tree branch falling on your vehicle and falling objects. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for medical expenses

Med pay and PIP coverage pay for immediate expenses for things like chiropractic care, rehabilitation expenses, ambulance fees and dental work. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers

This gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and damage to your Ford Taurus.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Be a Smart Shopper

When trying to cut insurance costs, it’s not a good idea to skimp on critical coverages to save a buck or two. There are many occasions where someone sacrificed physical damage coverage only to discover later that they should have had better coverage. Your aim should be to get the best coverage possible at the best price, but do not skimp to save money.

Budget-conscious 2012 Ford Taurus insurance is possible from both online companies and from local agencies, and you should compare rates from both to have the best rate selection. A few companies do not provide rate quotes online and usually these smaller companies sell through independent insurance agencies.

Drivers change insurance companies for any number of reasons including poor customer service, an unsatisfactory settlement offer, questionable increases in premium or delays in responding to claim requests. Regardless of your reason, finding a new company is not as hard as you think.

Even more information can be found in these articles:

• Things to Know Before you Cancel Insurance (Allstate)
• Credit and Insurance Scores (Insurance Information Insitute)
• Neck Injury FAQ (iihs.org)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• What if I Can’t Find Coverage? (Insurance Information Insitute)
• Cellphones, Texting and Driving (iihs.org)