Cheaper 2014 Ford Taurus Insurance Quotes

Searching for better auto insurance rates for your Ford Taurus? Having to pay for high-priced Ford Taurus insurance can overdraw your bank account and put a big crunch on your finances. Comparing rate quotes can be a smart way to make sure you’re not throwing money away.

Many auto insurance companies compete for your hard-earned dollar, so it can be very hard to choose a provider to discover the definitive lowest price

How you can control Ford Taurus insurance rates

Part of the auto insurance buying process is learning some of the elements that aid in calculating the rates you pay for auto insurance. If you have a feel for what impacts premium levels, this allows you to make good choices that can help you get cheaper rates.

The following are a few of the things used by your company to calculate your premiums.

  • Careless driving leads to higher rates – Drivers with clean records pay less for auto insurance compared to drivers with tickets. Even a single citation can increase rates by twenty percent. Drivers who have gotten license-revoking citations like DUI or reckless driving may find they need to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to prevent their license from being revoked.
  • Raising coverage deductibles saves money – Insurance for physical damage, aka comp and collision, covers your vehicle from damage. Some examples of covered claims could be a broken side mirror, collision with an animal, and damage caused by flying debris. Physical damage deductibles define the amount you are required to spend out-of-pocket if a claim is determined to be covered. The more money you have to pay, the lower your rates will be on Taurus coverage.
  • Never allow your policy to lapse – Having a gap between insurance policy dates is a fast way to drive up your policy premiums. Not only will you pay more, getting caught without coverage could result in a revoked license or a big fine.
  • Multiple policies with one company can save – Most major companies give discounts to insureds who buy several policies from them, otherwise known as a multi-policy discount. If you currently are using one company, drivers will still want to compare rates to guarantee you are still saving the most. Consumers may save even more by buying insurance from more than one company.
  • Employer can influence rates – Did you know your job can affect your rates? Jobs such as fire fighters, executives and medical professionals usually pay higher premiums than the average policyholder in part from high stress levels and lots of time spent at work. Conversely, careers like professors, engineers and homemakers get better rates on Taurus coverage.
  • Get cheaper premiums if you’re married – Being married may save some money when buying auto insurance. Marriage demonstrates that you tend to be more stable financially it has been statistically shown that drivers who are married file infrequent claims.
  • Discounts for theft deterrents – Owning a car with a theft deterrent system can help lower your premiums. Theft prevention features such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack help track and prevent auto theft.

Discount insurance quotes

Not many people think insurance is cheap, but there may be some discounts that many consumers don’t even know exist. Some trigger automatically when you purchase, but some must be requested specifically prior to getting the savings.

  • Federal Government Employee – Federal government employees may reduce rates when you quote insurance coverage on Taurus coverage with select insurance companies.
  • Data Collection Discounts – People who choose to allow their insurance company to analyze when and where they use their vehicle through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate could save a few bucks if they have good driving habits.
  • Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to buckle their seat belts can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
  • Accident Free – Drivers with accident-free driving histories get the best insurance rates when compared with frequent claim filers.
  • Air Bag Discount – Options like air bags or motorized seat belts may earn rate discounts of 20% or more.

Policy discounts save money, but some of the credits will not apply the the whole policy. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears adding up those discounts means a free policy, that’s just not realistic. Any qualifying discounts will positively reduce your overall bill.

The best insurance companies and some of the discounts are detailed below.

  • State Farm has savings for multiple policy, student away at school, good student, safe vehicle, driver’s education, and Drive Safe & Save.
  • Esurance policyholders can earn discounts including multi-policy, good student, Switch & Save, homeowner, good driver, safety device, and online shopper.
  • Progressive offers discounts including online quote discount, good student, homeowner, multi-vehicle, and multi-policy.
  • Liberty Mutual discounts include hybrid vehicle, multi-car, new move discount, multi-policy, and new graduate.
  • Auto-Owners Insurance offers premium reductions for student away at school, company car, safe driver, multiple vehicles, and good student.
  • GEICO may include discounts for military active duty, multi-policy, seat belt use, anti-theft, and defensive driver.

If you are trying to find cheaper insurance coverage quotes, ask all the companies the best way to save money. All car insurance discounts may not be available in every state. If you would like to see a list of companies with discount rates, click this link.

Tailor your auto insurance coverage to you

When it comes to buying proper insurance coverage, there is no single plan that fits everyone. Everyone’s situation is a little different so your insurance should reflect that Here are some questions about coverages that may help highlight if your insurance needs would benefit from an agent’s advice.

  • Do I need higher collision deductibles?
  • Does my policy pay for OEM or aftermarket parts?
  • Is my 2014 Ford Taurus covered for flood damage?
  • Is my dog or cat covered if injured in an accident?
  • Will filing a claim cost me more?
  • Is my custom paint covered by insurance?
  • What is the rate difference between pleasure use and commuting?
  • Am I covered when driving on a suspended license?
  • Am I covered by my spouse’s policy after a separation?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Auto insurance coverages explained

Understanding the coverages of your policy helps when choosing the best coverages for your vehicles. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording. These are the normal coverages offered by auto insurance companies.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like dental work, rehabilitation expenses, X-ray expenses, doctor visits and ambulance fees. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Collision – This pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as hitting a mailbox, hitting a parking meter, rolling your car and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred 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. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally these limits are identical to your policy’s liability coverage.

Comprehensive coverage (or Other than Collision) – This pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as a broken windshield, damage from flooding, hail damage, vandalism and falling objects. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Coverage for liability – This can cover injuries or damage you cause to a person or their property in an accident. This insurance protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims like medical services, funeral expenses and loss of income. The amount of liability coverage you purchase is up to you, but you should buy as large an amount as possible.

In the end, you save

In this article, we covered many tips how you can get a better price on 2014 Ford Taurus insurance. The key concept to understand is the more quotes you get, the better chance you’ll have of finding affordable insurance coverage. Drivers may discover the best price on insurance is with a small local company. Smaller companies can often insure niche markets at a lower cost than the large multi-state companies such as State Farm, GEICO and Nationwide.

As you restructure your insurance plan, make sure you don’t reduce needed coverages to save money. There are many occasions where consumers will sacrifice uninsured motorist or liability limits only to find out that the few dollars in savings costed them thousands. Your strategy should be to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.

Budget-conscious 2014 Ford Taurus insurance is definitely available online and from local agencies, so you need to shop insurance coverage with both to have the best chance of lowering rates. Some insurance companies may not offer online rate quotes and most of the time these smaller providers only sell through local independent agencies.

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Comments About 2014 Ford Taurus Insurance

  1. Rocky Aguilar

    Will Allstate cancel me if I have an accident?

  2. Alysa Wolfe

    Cheaper car insurance is a myth. I live north of Kansas City, KS. Got car insurance quotes with Sentry, Eastwood, State Farm, and American Family for my 2014 Ford Taurus and saved $161 a year. I have a couple other vehicles on the policy.

  3. Jeff Harrison

    Checking in from Evansville, Indiana. Can’t remember who all I quoted but I ended up saving about $60 each month. Good savings if you bundle.

  4. Robbie Vincent

    I’ve had Allstate for years. I’m in Rochester, MN.

  5. Cori Barry

    I found pretty cheap rate quotes for a 2014 Ford Taurus in Great Falls, MT. Ended up at right around $480 every six months with Amica. Insured with Farmers before.

  6. Lashonda Cook

    I found pretty cheap rate quotes for a 2014 Ford Taurus in Eugene, OR. Ended up at about $500 every six months with AAA. I’m a pretty low risk driver.

  7. Zoila Hahn

    I got quite a few price quotes for a 2014 Ford Taurus in Bridgeport, CT. Ended up at right around $440 every six months with American Family. I think they have home insurance too.

  8. Winnie Mcbride

    I found pretty cheap rate quotes for a 2014 Ford Taurus in Charleston, West Virginia. Ended up at right around $540 every six months with Auto-Owners. Thankfully I’m not a high risk driver.

  9. Sheron Solomon

    Cheap car insurance? What’s that? From a town just southwest of North Charleston, SC. I don’t recall every quote but I ended up saving about $50 each month. Insured with Encompass before. Are quotes cheaper online?

  10. Franchesca Nash

    Nice info. Proud to be from Rockford, IL. I quoted with MetLife, Eastwood, State Farm, and American Family for my Ford and saved $549 a year. Was with Esurance. I think they have home insurance too. Are quotes cheaper online?

  11. Bea Crane

    Went with Western Auto Insurance for my Taurus and saved about $500 a year. :)

  12. Gloria Hernandez

    Any Allstate or Eastwood customers near Worcester, MA?

  13. Francis Mcconnell

    I found cheap 2014 Ford Taurus insurance in Manchester, New Hampshire with State Farm.

  14. Shawanda Quinn

    I’m in the south part of Dallas, TX. Compared quite a few companies. Saved darn near $20 a month. 21st Century was the best choice for me. Left Farmers to switch. BTW speeding tickets are not good.