Save on 2016 Ford Taurus Car Insurance Rates

Want cheaper insurance coverage rates for your Ford Taurus? Shopping for cheaper car insurance can be a challenge if you are a beginner to online price quotes. Don’t let that stop you because comparing rates is actually very simple.

Finding affordable coverage is quite easy. Just about anyone who has to buy auto insurance stands a good chance to be able to find lower rates. But car owners do need to learn the methods companies use to price online insurance and use this information to your advantage.

Do you qualify for discount insurance coverage?

Insuring your vehicles can cost a lot, but discounts can save money and there are some available that can help lower your rates. Some discounts will apply when you quote, but some may not be applied and must be asked about prior to receiving the credit.

  • Life Insurance – Not all insurance companies offer life insurance, but some may give you a small discount if you purchase auto and life insurance together.
  • Driver’s Education for Students – It’s a good idea to have your young drivers successfully complete driver’s ed class as it will make them better drivers and lower rates.
  • Renewal Discounts – Some insurance companies give discounts for buying a policy before your current expiration date. You can save around 10% with this discount.
  • Discount for Home Ownership – Simply owning a home can save a few bucks because of the fact that having a home is proof of financial responsibility.
  • Senior Citizens – Seniors can possibly qualify for a slight reduction on a car insurance quote for Taurus insurance.

Don’t be shocked that many deductions do not apply to all coverage premiums. A few only apply to individual premiums such as liability and collision coverage. Despite the fact that it seems like you can get free auto insurance, companies don’t profit that way.

To find providers with significant discounts, follow this link.

How to find low cost car insurance

To find cheap rates, there are a couple of ways to compare quotes from all the different companies. The best method to find the cheapest 2016 Ford Taurus insurance rates is to get quotes online. This can be done in a couple minutes as outlined below.

  1. The fastest and easiest way to get the best comparison quotes is an all-inclusive rate comparison click here to open form in new window. This method keeps you from doing separate quotes for every company. One form gets coverage cost estimates from multiple companies. This is perfect if you don’t have a lot of time.
  2. A harder way to get comparison quotes requires you to visit the website of each company to request a price quote. For instance, let’s assume you want to compare rates from Allstate, Esurance and Progressive. In order to compare rates, you need to navigate to each company’s site to input your insurance information, which can take a lot of time.

    For a list of companies in your area, click here.

  3. The least efficient and most time consuming way to get price estimates is to spend your day driving to insurance agencies in your area. Quoting online has reduced the need for local agents unless you’re the type of person who wants the professional assistance of an agent trained in personal lines coverage. Although, it is possible comparison shop online and get advice from an agent in your area.

Whichever method you choose, be certain you are entering identical deductibles and coverage limits on every price quote you get. If you enter different coverage information it will be impossible to determine which company has the best rates. Quoting even small variations in coverages can mean a large discrepancy in price. And when price shopping your coverage, quoting more helps locate more affordable insurance.

Insurance price influencing factors

Consumers need to have an understanding of the different types of things that help calculate your car insurance rates. When consumers understand what controls the rates you pay, this enables informed choices that could help you find better car insurance rates.

The itemized list below are a partial list of the pieces utilized by car insurance companies to help set your prices.

  • Discounts for alarm systems – Purchasing a vehicle with a theft deterrent system can save you a little every year. Theft deterrent systems like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all hinder car theft and help bring rates down.
  • Liability protection is important – The liability coverage on your policy is the protection when a jury decides you are liable for causing personal injury or damage in an accident. Liability insurance provides legal defense coverage to attempt to prove you were not liable. Liability insurance is pretty cheap when compared to the cost of physical damage coverage, so do not skimp.
  • Good credit equals lower premiums – Your credit rating will be a significant factor in determining premium rates. Therefore, if your credit history leaves room for improvement, you could be paying less to insure your 2016 Ford Taurus by improving your credit score. People with good credit tend to be better risks to insure as compared to drivers with lower credit ratings.
  • You may save more by combining policies – Many car insurance companies give better rates to clients who buy several policies from them such as combining an auto and homeowners policy. Even though this discount sounds good, consumers should still get quotes from other companies to guarantee you are still saving the most. You may still be able to find a better deal even if you have your coverage with different companies

What insurance coverages do I need?

When it comes to choosing proper insurance coverage for your vehicles, there is no “best” method to buy coverage. Everyone’s situation is unique.

These are some specific questions might point out if your insurance needs might need professional guidance.

  • How can I find cheaper teen driver insurance?
  • I have a DUI can I still get coverage?
  • Does my 2016 Ford Taurus qualify for pleasure use?
  • Do I have any recourse if my insurance company denies a claim?
  • Am I covered if I crash into my own garage door?
  • Can I drive in Mexico and have coverage?
  • What can I do if my company won’t pay a claim?
  • What should my uninsured motorist coverage limits be in my state?
  • Does my 2016 Ford Taurus need full coverage?
  • How many claims can I have before being cancelled?

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 an agent in your area, take a second and complete this form.

Can switching companies really save?

Popular insurance coverage providers such as Allstate, GEICO and Progressive consistently run ads on TV and radio. They all convey the message about how much you will save if you get a free car insurance quote and switch your insurance coverage policy to them. How is it plausible that every one can cost less than your current company? Here is how they do it.

All companies have specific guidelines for the type of driver that earns them a profit. For instance, a desirable insured may need to be over the age of 35, owns their home, and has great credit. A customer getting a price quote who matches that profile gets the lowest premium rates and will probably save when switching.

Consumers who are not a match for these stringent criteria will be charged more expensive rates with the end result being the prospect going elsewhere. The ads say “people who switch” not “everyone who quotes” save that much. That’s the way companies can truthfully advertise the savings. Because each company has a different risk profile, you need to compare as many free car insurance quotes as you can. It is just not possible to predict with any certainty which company will fit your personal profile best.

What car insurance coverages do you need?

Having a good grasp of car insurance 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.

Liability – Liability insurance will cover damages or injuries you inflict on other’s property or people that is your fault. It protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage pays for claims such as legal defense fees, repair bills for other people’s vehicles, court costs and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured and underinsured coverage – This coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive coverages – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as hitting a bird, vandalism, damage from flooding, damage from a tornado or hurricane and hail damage. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverages – Collision insurance will pay to fix damage to your Taurus caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like hitting a mailbox, sideswiping another vehicle, colliding with another moving vehicle, colliding with a tree and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible to bring the cost down.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like surgery, ambulance fees, chiropractic care and X-ray expenses. They can be used in conjunction with a health insurance program or if you lack health insurance entirely. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible

Don’t throw your cash in the trash

Drivers change insurance companies for a number of reasons such as high prices, unfair underwriting practices, delays in paying claims and an unsatisfactory settlement offer. It doesn’t matter what your reason, choosing a new company is not as difficult as it may seem.

Low-cost 2016 Ford Taurus insurance can be purchased both online and also from your neighborhood agents, and you should compare price quotes from both to get a complete price analysis. Some companies do not offer rate quotes online and many times these regional insurance providers provide coverage only through local independent agents.

As you shop your coverage around, do not skimp on critical coverages to save a buck or two. There are too many instances where an insured dropped collision coverage only to regret at claim time that the savings was not a smart move. Your focus should be to purchase plenty of coverage at the best possible price and still be able to protect your assets.

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Comments About 2016 Ford Taurus Insurance

  1. Anette Roberson

    I live west of Charlotte, NC. I got free rates from Auto-Owners, Sentry, and a few others for my Ford and saved about $530 a year. Did it all online.

  2. Joanna Holmes

    FYI in Knoxville, TN try Allstate. I got a good deal.

  3. Carmine Terrell

    Lots of good stuff here. I live just to the east of Huntington, WV. Compared rates from a lot of places. Saved roughly $70 a month. Allstate was the best choice for me. I’m a pretty good driver though. It never hurts to quote around.

  4. Arlyne Delacruz

    21st Century is decent in Allentown, PA.

  5. Beverlee Rivera

    Found cheapest coverage with Esurance for my Ford and cut my rates about $570 a year. Was with Liberty Mutual. Bought it from an online quote.

  6. Neville Clay

    From a town just southwest of Boise, ID. Quoted with Progressive, Auto-Owners, and some I forget for my 2016 Ford Taurus and saved $299 a year. Left Safeco to switch. :)

  7. Rodolfo Guerrero

    If you have a good history and live near Nashville, TN, check out State Farm. You might get cheaper rates. Was with Hanover. :)

  8. Jenna York

    Any 21st Century or Eastwood customers near Jackson, MS?

  9. Evangeline Foley

    Lots of useful info here. I’m in the suburbs of Aberdeen, SD. Got free quotes online for a 2016 Ford Taurus. Ended up at about $290 savings annually. Went with State Farm. Was with Allstate. They offer free online rate quotes.

  10. Galina Robertson

    Hope my car insurance gets cheaper. I’m in Sioux Falls, South Dakota. I got free quotes from The General, AIG Insurance, Safeco, and a couple others for my 2016 Ford Taurus and am saving around $450 a year. Moved home policy as well. I recommend comparing lots of rates.

  11. Lilla Hutchinson

    I live on the north side of Jersey City, NJ and for me Progressive had the lowest quote. I think they have home insurance too. Still almost need a second mortgage.