How Much Does 2015 Ford Taurus Car Insurance Cost?

Consumers have a choice when looking for the lowest priced Ford Taurus insurance. You can either waste hours driving around to get rate comparisons or use the internet to get rate quotes. There are both good and bad ways to buy car insurance so you’re going to learn the absolute fastest way to get price quotes for a Ford and find the cheapest rates either online or from local insurance agents.

If you are insured now or need new coverage, you can use these tips to shop for the lowest rates and still get good coverage. The purpose of this post is to let you in on the most effective way to quote insurance and some tricks to saving. Consumers only need to know the proper way to compare company rates over the internet.

Save money with these tips

Multiple criteria are considered when premium rates are determined. Some factors are common sense such as your driving history, although some other factors are less obvious like your continuous coverage or how financially stable you are.

The following are some of the factors used by your company to calculate your rate level.

• Premiums are lower the older you get – Youthful drivers are known to be easily distracted in a vehicle therefore insurance rates are much higher. Parents adding a teenage driver onto your insurance can break the bank. More experienced drivers are proven to be safer behind the wheel, are lower risk to insure and receive fewer citations.
• Optional features can affect premiums – Choosing a vehicle with a theft deterrent system can save you some money. Theft prevention features like OnStar, LoJack tracking, and tamper alarms all help stop car theft.
• Bump up deductibles to lower rates – Physical damage deductibles represent how much money you are required to pay if the claim is covered. Physical damage protection, also called ‘full coverage’, insures against damage to your car. A few examples of covered claims could be colliding with a stationary object, hail damage, and having a roll-over accident. The larger the amount the insured is willing to pay, the less money you will pay for insurance for Taurus coverage.
• Lower rates for being claim-free – If you file a lot of claims you should expect either policy cancellation or increased premiums. Auto insurance companies award the lowest premiums to insureds who do not file claims often. Your insurance policy is intended for claims that pose a financial burden.
• Your career may increase prices – Occupational choices like judgesairline pilots and stock brokers have higher premiums than the average policyholder in part from high stress levels and lots of time spent away from family. Other jobs such as actors, engineers and the unemployed generally pay rates lower than average for Taurus coverage.
• Does auto insurance cost less for gals? – The statistics show that men are more aggressive behind the wheel. This data doesn’t prove that females are better drivers. Women and men are responsible for fender benders in similar percentages, but the males cause more damage and cost insurance companies more money. In addition to higher claims, males also receive more costly citations such as driving while intoxicated (DWI) or driving recklessly. Young males tend to get in the most accidents and are penalized with high insurance rates.
• Urban areas may pay more – Choosing to live in areas with lower population has definite advantages when trying to find low car insurance rates. People who live in big cities have more aggressive driving styles and longer commute times. Less people means a lower chance of having an accident as well as less vandalism and auto theft.

The most recommended method to compare car insurance company rates is to know most insurance companies will pay a fee to compare rate quotes. The one thing you need to do is spend a couple of minutes providing details such as if a SR-22 is required, if it has an anti-theft system, daily mileage, and if you’re married. Your information is instantly provided to multiple companies and they return quotes very quickly.

To find the cheapest 2015 Ford Taurus insurance rates, click here and complete the form.

Get lower rates by taking advantage of discounts

Some providers don’t always publicize every possible discount in a way that’s easy to find, so the list below contains a few of the more well known and the harder-to-find discounts that may be available.

• Data Collection Discounts – Policyholders that allow driving data collection to scrutinize when and where they use their vehicle through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate might see lower rates if they have good driving habits.
• Policy Bundle Discount – When you combine your homeowners and auto insurance and insure them both with the same insurance company you could earn a discount of over 10 percent off each policy depending on the company.
• First Accident Forgiveness – but certain companies permit an accident without the usual rate increase with the catch being you have to be claim-free before the accident.
• Federal Employees – Simply working for the federal government could provide a small rate reduction for Taurus coverage depending on your car insurance provider.
• Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts could see savings as much as 30%.
• Homeowners Savings – Owning a home may trigger a policy discount on car insurance because maintaining a house requires personal responsibility.
• College Student Discount – College-age children who are enrolled in higher education away from home and don’t have a car can be insured at a reduced rate.
• Good Student – Performing well in school may save as much as 25% on a insurance quote. Many companies even apply the discount to college students well after school through age 25.
• Pay Early and Save – If you pay your entire premium ahead of time rather than spreading payments over time you can actually save on your bill.

You can save money using discounts, but some of the credits will not apply to the entire policy premium. Most only cut the price of certain insurance coverages like comprehensive or collision. Even though it appears it’s possible to get free car insurance, companies don’t profit that way.

To view providers that have a full spectrum of discounts, click this link.

How much auto insurance do I need?

When it comes to buying the best auto insurance coverage, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s.

For instance, these questions could help you determine if you will benefit from professional help.

• If I drive on a suspended license am I covered?
• Should I get collision insurance on every vehicle?
• What is the difference between comprehensive and collision coverage?
• Can my teen driver be rated on a liability-only vehicle?
• What if I owe more than I can insure my car for?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Does my policy cover my teen driver if they drive my company car?
• How can I get high-risk coverage after a DUI?

If you can’t answer these questions but you know they apply to you then you might want to talk to an agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and can help protect your family.

Coverage specifics

Knowing the specifics of a insurance policy can help you determine appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Ford Taurus.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Liability – This coverage provides protection from injuries or damage you cause to a person or their property that is your fault. It protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 which means a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things like loss of income, structural damage and repair costs for stationary objects. How much coverage you buy is up to you, but you should buy as much as you can afford.

Collision coverages – This coverage will pay to fix damage to your Taurus resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things such as scraping a guard rail, crashing into a ditch and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.

Comprehensive insurance – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as a broken windshield, damage from getting keyed, fire damage, hail damage and damage from flooding. The most you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance pay for bills such as prosthetic devices, X-ray expenses, dental work, nursing services and pain medications. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

The bottom line

Cost effective 2015 Ford Taurus insurance is attainable online and with local insurance agents, so you need to shop insurance with both to have the best chance of lowering rates. A few companies may not provide online quoting and most of the time these small, regional companies only sell through local independent agencies.

Drivers change insurance companies for a variety of reasons including questionable increases in premium, unfair underwriting practices, an unsatisfactory settlement offer and high rates after DUI convictions. Regardless of your reason for switching companies, finding a great new company can be easy and end up saving you some money.

When searching for inexpensive insurance quotes, don’t be tempted to buy lower coverage limits just to save a few bucks. Too many times, drivers have reduced collision coverage only to find out that the few dollars in savings costed them thousands. The proper strategy is to buy enough coverage for the lowest cost, but don’t skip important coverages to save money.

More detailed car insurance information is available by following these links:

• Older Drivers FAQ (iihs.org)
• Auto Insurance FAQ (Farmers Insurance)
• Red Light Cameras (State Farm)
• Choosing a Car for Your Teen (State Farm)
• Teen Driver Licensing Information (iihs.org)
• How to Avoid Common Accidents (State Farm)