Compare 1992 Ford Taurus Insurance Quotes

Paying for high-priced Ford Taurus insurance can overdraw your bank account and force you to prioritize other expenses. Comparing price quotes is a great way to tighten up your finances. Because you have many insurance companies to choose from, it’s nearly impossible to find the cheapest provider.

The easiest way to compare car insurance rates is to take advantage of the fact all the major auto insurance companies actually pay money for the chance to provide you with free rate quotes. All you need to do is provide a small amount of information like if it has an anti-theft system, if you went to college, if a SR-22 is required, and how many miles driven. The data gets sent immediately to multiple auto insurance providers and you receive quotes within a short period of time.

To get price quotes for your , click here and find out if lower rates are available.

Do you qualify for a discount?

The cost of insuring your cars can be expensive, but discounts can save money and there are some available to cut the cost considerably. Certain discounts will be applied at the time of quoting, but lesser-known reductions have to be asked about before being credited. If you’re not getting every credit you qualify for, you’re just leaving money on the table.

  • Student in College – Youth drivers living away from home attending college and don’t have a car can receive lower rates.
  • Fewer Miles Equal More Savings – Low mileage vehicles can earn lower rates on the low mileage vehicles.
  • Drivers Education – Have your child successfully complete driver’s ed class in high school.
  • Discount for Swiching Early – Select companies give a discount for buying a policy prior to your current policy expiration. The savings is around 10%.
  • Discount for New Cars – Insuring a new car can be considerably cheaper since new cars are generally safer.
  • Organization Discounts – Being a member of a civic or occupational organization could trigger savings when shopping for insurance coverage on Taurus insurance.
  • Homeowners Pay Less – Being a homeowner may earn you a small savings because of the fact that having a home is proof that your finances are in order.

Consumers should know that some of the credits will not apply to all coverage premiums. Some only reduce the cost of specific coverages such as medical payments or collision. Just because it seems like adding up those discounts means a free policy, it just doesn’t work that way. Any amount of discount will help reduce your overall premium however.

Insurance companies that may have these discounts are:

Double check with every prospective company which discounts you may be entitled to. Discounts may not apply everywhere.

What coverages do I need?

When buying the right insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s so your insurance needs to address that. For example, these questions might help in determining if you will benefit from professional help.

  • How does medical payments coverage work?
  • Am I covered if I drive in a foreign country?
  • Should I bundle my homeowners policy with my auto?
  • Are my friends covered when driving my car?
  • Am I covered if hit by an uninsured driver?
  • Where can I find high-risk insurance?
  • Do I need to file an SR-22 for a DUI in my state?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.

Car insurance policy specifics

Learning about specific coverages of car insurance helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are the usual coverages found on most car insurance policies.

Liability car insurance – This provides protection from damage or injury you incur to people or other property in an accident. It protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims like medical services, pain and suffering, court costs and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.

Comprehensive car insurance – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as hitting a deer, fire damage, rock chips in glass, a broken windshield and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for ambulance fees, funeral costs, hospital visits, dental work and nursing services. They are used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Taurus.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Usually the UM/UIM limits do not exceed the liability coverage limits.

Collision – Collision coverage covers damage to your Taurus from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision can pay for things like rolling your car, crashing into a ditch and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to increase the deductible to save money on collision insurance.