2013 Ford Taurus Car Insurance Cost

Having to pay for high-priced Ford Taurus insurance can dwindle your monthly budget and force you to prioritize other expenses. Doing a rate analysis can save money and help to ensure you are getting the best deal.

Vehicle owners have many car insurance companies to purchase coverage from, and even though it’s nice to be able to choose, too many choices makes it more difficult to get the best deal.

You should take the time to get comparison quotes yearly due to the fact that insurance prices are usually higher with each renewal. Even if you got the best rates for Taurus insurance on your last policy there may be better deals available now. Forget all the misinformation about auto insurance because you’re about to learn the easiest way to lower your annual insurance bill.

What affects Ford Taurus insurance premiums?

Many factors are taken into consideration when premium rates are determined. Some of the criteria are obvious like your driving record, but some are less obvious such as whether you are married and annual miles driven.

• Don’t buy add-on coverages that may not be needed – Insurance companies have many additional coverages that can waste your money on your Taurus policy. Add-on coverages like personal injury protection, towing coverage, and additional equipment coverage are some examples. The coverages may be enticing when discussing your needs, but now you might not need them so remove them and pocket the money.
• Which gender costs less? – Over the last 30 years, statistics show women are more cautious behind the wheel. However, this does not mean males are worse at driving than females. Both genders have auto accidents at a similar rate, but males have costlier accidents. Not only are claims higher, but men receive more major tickets like DWI (DUI) or reckless driving. Youthful male drivers are the most expensive to insure and therefore are the most expensive to insure.
• Do you really need to file that insurance claims? – Insurance companies provide most affordable rates to policyholders who do not rely on their insurance for small claims. If you are a frequent claim filer, you can pretty much guarantee either higher rates or even cancellation. Insurance coverage is intended to be relied upon for major claims that would cause financial hardship.
• Obey driving laws and save – Being a careful driver impacts premiums far more than you think. Having a single speeding ticket or other violation could increase your next policy renewal by as much as thirty percent. Careful drivers receive lower rates compared to drivers with tickets. Drivers who have dangerous tickets like reckless driving or DUI might be required by their state to file a proof of financial responsibility form (SR-22) with their state DMV in order to legally drive.

Cheap auto insurance rates with discounts

Companies don’t always list all their discounts very clearly, so the list below contains both well-publicized and also the more inconspicuous savings tricks you should be using when you buy insurance online. If you aren’t receiving every discount you qualify for, you are not getting the best rate possible.

• Responsible Driver Discounts – Drivers who avoid accidents may receive a discount up to 45% for Taurus insurance than drivers with accident claims.
• Paper-free Discount – Some auto insurance companies may give you up to $50 for buying a policy and signing up digitally online.
• Auto/Home Discount – When you combine your auto and homeowners insurance and place coverage with the same company you could save at least 10 to 15 percent or more.
• Air Bags and Passive Restraints – Factory options such as air bags could see savings of 20% or more.
• Renewal Discounts – A few companies offer discounts for switching to them before your current coverage expires. This can save 10% or more.

It’s important to note that most of the big mark downs will not be given to the overall cost of the policy. Most only apply to individual premiums such as medical payments or collision. So even though you would think all the discounts add up to a free policy, nobody gets a free ride.

If you would like to choose from a list of insurance companies that offer some of these discounts, click this link.

Tailor your insurance coverage coverage to you

When it comes to choosing the right insurance coverage, there isn’t really a one size fits all plan. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that might help in determining whether your personal situation may require specific advice.

• Can I afford to buy a different vehicle if my 2013 Ford Taurus is totaled?
• What is the minimum liability in my state?
• How does medical payments coverage work?
• Do I need PIP (personal injury protection) coverage in my state?
• What is no-fault insurance?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• I don’t drive much so do I pay less?
• Do I need motorclub 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 a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, free and can help protect your family.

What insurance coverages do you need?

Having a good grasp of insurance can help you determine the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Shown next are the usual coverages found on most insurance policies.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Ford Taurus.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision coverage

This pays for damage to your Taurus caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things such as backing into a parked car, hitting a mailbox, crashing into a ditch and colliding with a tree. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to choose a higher deductible to bring the cost down.

Liability coverages

Liability insurance will cover damage that occurs to other people or property that is your fault. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. 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 things like legal defense fees, loss of income, court costs, repair costs for stationary objects and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

Comprehensive insurance

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like vandalism, theft and falling objects. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for bills such as nursing services, surgery and funeral costs. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Smart shoppers get results

Some auto insurance companies may not provide online quoting and usually these regional carriers only sell coverage through local independent agents. Affordable 2013 Ford Taurus insurance is available from both online companies as well as from independent agents, so compare prices from both to get a complete price analysis.

You just learned a lot of tips how to get a better price on 2013 Ford Taurus insurance. The key concept to understand is the more times you quote, the better your comparison will be. Consumers could even find that the best price on auto insurance is with some of the lesser-known companies. Some small companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate, Geico and Progressive.

When searching for affordable insurance quotes, never buy less coverage just to save a little money. There are a lot of situations where drivers have reduced liability coverage limits and discovered at claim time that it was a big error on their part. Your goal is to find the BEST coverage at a price you can afford.

To read more, link through to the following helpful articles:

• Distracted Driving Statistics (Insurance Information Insitute)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• Electronic Stability Control FAQ (iihs.org)
• Credit Impacts Car Insurance Rates (State Farm)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)