1995 Ford Taurus Insurance Rates

Searching for better car insurance rates for your Ford Taurus? Finding the most affordable car insurance on the internet is impossible for people who are new to online price comaprisons. When there are so many choices, how can you possibly compare them all to find the lowest rates?

It’s a good idea to check car insurance prices periodically due to the fact that insurance rates trend upward over time. Just because you found the lowest price for Taurus coverage on your last policy you may be paying too much now. Starting now, block out anything you think you know about car insurance because you’re going to learn how to quote online to save on car insurance.

Ford Taurus rates influenced by many factors

An important part of buying insurance is that you know the different types of things that help determine the price you pay for car insurance. Having a good understanding of what influences your rates helps enable you to make changes that may reward you with big savings.

The following are a few of the “ingredients” that factor into rates.

  • Men pay higher rates – Statistics demonstrate women tend to be less risk to insure than men. However, don’t assume that women are BETTER drivers than men. Both sexes are in accidents in similar percentages, but men cause more damage and cost insurance companies more money. Men also receive more costly citations such as reckless driving.
  • Policy add-ons can waste money – There are a lot of add-on coverages that you can get tricked into buying on your car insurance policy. Insurance for vanishing deductibles, accidental death and membership fees are some examples. These may sound like a good investment when you first buy your policy, but your needs may have changed so eliminate the coverages to reduce your premium.
  • Your credit rating is important – Your credit score is a important factor in determining your rates. Therefore, if your credit score is lower than you’d like, you could be paying less to insure your 1995 Ford Taurus by spending a little time repairing your credit. Drivers who have high credit scores tend to be better drivers and file fewer claims as compared to drivers with poor credit.
  • Do you know your deductibles? – Physical damage deductibles define the amount you are willing to pay out-of-pocket in the event of a claim. Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. A few examples of covered claims could be running into the backend of another car, damage from fire, and burglary. The more you have to pay, the bigger discount you will receive for Taurus coverage.
  • Equipment add-ons that lower car insurance rates – Choosing a vehicle that has an advanced theft prevention system can get you a discount on your car insurance. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart your vehicle from being stolen.
  • No coverage gaps is important – Driving without insurance is against the law and your next policy will cost more because you let your insurance lapse. Not only will rates go up, but being ticketed for driving with no insurance might get you a hefty fine and possibly a revoked license.Then you may be required to prove you have insurance by filing a SR-22 with your state DMV.
  • Liability coverage is cheap – Your policy’s liability coverage will protect you if you are found liable for damages from an accident. It provides legal defense coverage which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not cut corners here.

Insurance Quote Comparison

There are a variety of methods to shop for 1995 Ford Taurus insurance, but there is one way that is more efficient than others. You can spend your afternoon talking about coverages with insurance companies in your area, or you could use online quotes to maximize your effort.

Many companies belong to an insurance system that allows shoppers to submit their information once, and at least one company returns a rated price. This system prevents you from having to do repetitive form submissions for every insurance company.

To submit your quote information now, click to open in new window.

The single downside to comparing rates this way is you can’t choose the insurers to get pricing from. So if you prefer to pick specific insurance companies to compare, we have assembled a list of low cost insurance companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just ensure you are comparing exactly the same coverage limits and deductibles for every quote you compare. If you use unequal deductibles or liability limits it’s not possible to determine the lowest rate for your Ford Taurus. Quoting even small variations in limits may result in a large different in cost. Keep in mind that quoting more helps you find the best rates.

Discounts mean cheaper Ford Taurus insurance rates

Insurance can cost an arm and a leg, but there could be available discounts that can drop the cost substantially. Most are applied when you get a quote, but some must be asked about before they will apply.

  • Resident Student – Kids in college living away from home attending college and don’t have a car can be insured at a reduced rate.
  • No Charge for an Accident – A handful of insurance companies will forgive one accident before raising your premiums if your claims history is clear for a particular time prior to the accident.
  • Pay Now and Pay Less – If paying your policy premium upfront rather than paying monthly you could save up to 5%.
  • Passive Restraints and Air Bags – Factory air bags and/or automatic seat belt systems may earn rate discounts up to 30%.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less for Taurus coverage than drivers with accident claims.
  • Seat Belts Save – Drivers who require all occupants to use their safety belts can save up to 15% off your medical payments premium.
  • Sign Online – Certain companies may give you up to $50 simply for signing over the internet.

It’s important to note that many deductions do not apply to all coverage premiums. Most only cut specific coverage prices like liability and collision coverage. So even though it sounds like adding up those discounts means a free policy, you won’t be that lucky. But any discount will help reduce the amount you have to pay.

Car insurance companies that may have some of the above discounts may include but are not limited to:

Before buying, ask each company which discounts they offer. Discounts may not apply in every state.

Tailor your coverage to you

When it comes to buying adequate coverage, there really is no cookie cutter policy. Each situation is unique.

For instance, these questions might point out if your insurance needs will benefit from professional help.

  • Is my custom paint covered by insurance?
  • What happens if I owe more than my 1995 Ford Taurus is worth?
  • Do I have newly-aquired coverage?
  • Do I need more liability coverage?
  • Do I benefit by insuring my home with the same company?
  • What are the financial responsibility laws in my state?
  • Why do I only qualify for high-risk insurance?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form.

Car insurance coverage considerations

Knowing the specifics of car insurance can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Coverage for collisions

Collision insurance will pay to fix damage to your Taurus resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things like damaging your car on a curb, crashing into a ditch and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Ford Taurus.

Since a lot of drivers 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 should not be overlooked. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for expenses such as EMT expenses, doctor visits, prosthetic devices and rehabilitation expenses. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers you and your occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Liability insurance

Liability insurance can cover damage that occurs to other people or property. This insurance protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Another option is a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things like attorney fees, repair costs for stationary objects and court costs. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like a broken windshield, hitting a bird, falling objects and damage from getting keyed. The maximum payout your car insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Shop around and save

Throughout this article, we presented many ways to compare 1995 Ford Taurus insurance prices online. The most important thing to understand is the more price quotes you have, the better your comparison will be. You may even find the lowest rates come from the least-expected company.

Drivers change insurance companies for a variety of reasons including delays in responding to claim requests, delays in paying claims, being labeled a high risk driver and even denial of a claim. Regardless of your reason, switching car insurance companies is not as difficult as it may seem.

Cost effective insurance can be sourced online and also from your neighborhood agents, and you need to comparison shop both so you have a total pricing picture. Some insurance companies may not provide the ability to get a quote online and these small insurance companies work with independent agents.

More detailed car insurance information is available at these sites: