1994 Ford Taurus Insurance Quotes

Looking for lower insurance coverage rates for your Ford Taurus? Are you confused by the crazy number of insurance coverage choices? You’re not the only one! There are so many choices that it can be a real challenge to find the best price.

Consumers should take time to get comparison quotes periodically since rates are usually higher with each renewal. Even if you got the best price for Taurus coverage on your last policy there may be better deals available now. Ignore everything you know about insurance coverage because we’re going to demonstrate one of the best ways to buy cheaper insurance coverage.

This article will instruct you on the best way to quote coverages and some tricks to saving. If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using these methods. But consumers do need to know how insurance companies market on the web and use this information to your advantage.

How to Get Auto Insurance Comparison Quotes

When shopping for auto insurance there are multiple ways to compare quotes from local auto insurance companies. The best way to compare 1994 Ford Taurus insurance prices is to perform an online rate comparison. This can be done in several different ways.

1. The single most time-saving way to find low rates would be an industry-wide quote request form click here to open form in new window. This form eliminates the need for repetitive form entry for every auto insurance company. Filling out one form will return quotes from multiple low-cost companies. Recommended for those who want to invest the least amount of time.
2. A different way to analyze rates requires a visit to each individual company website and complete a new quote form. For examples sake, let’s say you want to compare rates from State Farm, Safeco and Liberty Mutual. To get each rate you have to take the time to go to each site and enter your policy data, which is why most consumers use the first method. For a list of links to companies insuring cars in your area, click here.

It’s up to you how you get prices quotes, just double check that you are using exactly the same coverages and limits with every price quote. If you have unequal deductibles or liability limits you will not be able to make an equal comparison. Quoting even small variations in coverages may cause a big price difference. Keep in mind that getting more free quotes helps locate the best rates.

Lower rates by qualifying for discounts

The price of auto insurance can be rather high, but there could be available discounts that can drop the cost substantially. Certain discounts will be triggered automatically when you quote, but a few need to be asked about before you get the savings.

• Employee of Federal Government – Simply working for the federal government can earn a discount up to 10% for Taurus coverage with a few auto insurance companies.
• Accident Waiver – Certain companies permit an accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.
• Braking Control Discount – Cars that have steering control and anti-lock brakes can avoid accidents and therefore earn up to a 10% discount.
• No Accidents – Drivers who don’t have accidents can earn big discounts as compared to frequent claim filers.
• Good Student Discount – Performing well in school can save 20 to 25%. This discount can apply well after school through age 25.
• Military Rewards – Having a family member in the military may qualify for rate reductions.
• Save over 55 – If you’re over the age of 55, you may be able to get a discount up to 10% for Taurus coverage.
• Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts may earn rate discounts of 20% or more.
• Drive Safe and Save – Safe drivers may save up to 50% more for Taurus coverage than their less cautious counterparts.

Consumers should know that some of the credits will not apply to all coverage premiums. Most cut individual premiums such as liability and collision coverage. Just because it seems like adding up those discounts means a free policy, it just doesn’t work that way. But all discounts will cut your overall premium however.

To see a list of companies with the best auto insurance discounts, click this link.

Car insurance is unique, just like you

When it comes to buying coverage, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help you determine if your insurance needs will benefit from professional help.

• Should I rate my 1994 Ford Taurus as pleasure use or commute?
• Are there companies who specialize in insuring high-risk drivers?
• Is rental equipment covered for theft or damage?
• Am I covered if I hit my neighbor’s mailbox?
• Is my cargo covered for damage or theft?
• Will I be non-renewed for getting a DUI or other conviction?
• I don’t drive much so do I pay less?
• Does my 1994 Ford Taurus need full coverage?
• Can I afford to pay high deductible claims out of pocket?

If you don’t know the answers to these questions, you may need to chat with an agent. To find an agent in your area, take a second and complete this form.

What insurance coverages do you need?

Having a good grasp of your insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be ambiguous and coverage can change by endorsement.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Ford Taurus.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Most of the time these coverages are similar to your liability insurance amounts.

Comprehensive auto coverage

This coverage pays to fix your vehicle from 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 pays for claims such as vandalism, hail damage and damage from flooding. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for liability

Liability coverage will cover damage that occurs to a person or their property in an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

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 policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Another option is one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things like emergency aid, court costs, bail bonds, attorney fees and medical services. How much coverage you buy is your choice, but you should buy higher limits if possible.

Collision protection

Collision insurance pays for damage to your Taurus from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things such as hitting a mailbox, scraping a guard rail and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for short-term medical expenses such as nursing services, prosthetic devices, hospital visits, funeral costs and EMT expenses. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers you and your occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage