1996 Ford Taurus Insurance Quotes

Looking for cheaper insurance coverage rates for your Ford Taurus? No one in their right mind likes having to buy insurance coverage, particularly when the cost is too high.

Because you have many companies and agents to choose from, it’s difficult to locate the right insurance company.

You should make it a habit to price shop coverage periodically because rates change quite often. Just because you had the best price for Taurus coverage two years ago the chances are good that you can find a lower rate today. So forget anything you know (or think you know) about insurance coverage because it’s time to teach you the fastest way to find lower rates on insurance coverage.

This article will help you learn how to effectively get price quotes and some money-saving tips. If you currently have car insurance, you will be able to reduce your rates substantially using this information. Although vehicle owners can benefit from knowing how big insurance companies sell insurance online because it can help you find the best coverage.

Are you getting all your discounts?

The cost of insuring your cars can be expensive, but there could be available discounts that can drop the cost substantially. Certain discounts will be triggered automatically when you complete an application, but a few need to be manually applied prior to getting the savings.

  • E-sign – Certain companies will discount your bill up to fifty bucks simply for signing online.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems are safer to drive and earn discounts up to 10%.
  • Federal Employees – Active or retired federal employment may qualify you for a discount for Taurus coverage with select insurance companies.
  • Multiple Vehicles – Buying insurance for multiple vehicles on the same car insurance policy qualifies for this discount.
  • Early Switch Discount – A few companies offer discounts for switching policies prior to your current policy expiration. It’s a savings of about 10%.
  • Payment Discounts – By paying your policy upfront instead of making monthly payments you may reduce your total bill.

It’s important to understand that some of the credits will not apply to the entire cost. Some only apply to the price of certain insurance coverages like comprehensive or collision. Just because you may think having all the discounts means you get insurance for free, it just doesn’t work that way. But any discount will help reduce the amount you have to pay.

Companies that may offer some of the above discounts may include but are not limited to:

It’s a good idea to ask each insurance company what discounts are available to you. All car insurance discounts may not be available in your state.

Factors that might impact rates for a Ford Taurus

Consumers need to have an understanding of the different types of things that come into play when calculating car insurance rates. When you know what positively or negatively determines base rates enables informed choices that could result in much lower annual insurance costs.

The list below includes some of the factors car insurance companies consider when setting premiums.

  • No coverage gaps is important – Having an insurance coverage lapse is a guaranteed way to bump up your car insurance costs. And not only will your rates increase, but not being able to provide proof of insurance might get you a hefty fine and possibly a revoked license.You may need to file a SR-22 with your state motor vehicle department.
  • How credit affects car insurance rates – Credit rating is a important factor in determining your rates. People with good credit tend to be more responsible than drivers with lower credit scores. So if your credit can use some improvement, you could pay less to insure your 1996 Ford Taurus by repairing your credit.
  • Theft deterrents lower rates – Purchasing a vehicle with an alarm system can get you a discount on your car insurance. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping car theft.
  • Your location is important – Living in a small town has it’s advantages when talking about car insurance. Lower population means fewer accidents as well as less vandalism and auto theft. Urban drivers have congested traffic and a longer drive to work. More time commuting means more change of being in an accident.
  • Low deductibles can be expensive – Coverage for physical damage, otherwise known as comp (or other than collision) and collision, protects your Ford from damage. A few examples of covered claims are collision with another vehicle, damage from fire, and windstorm damage. Deductibles for physical damage are the amount of money you are willing to pay if you file a covered claim. The more expense you have to pay, the less your car insurance will be for Taurus coverage.
  • Marriage brings a discount – Having a wife or husband actually saves money on your policy. Marriage usually means you are more mature than a single person and statistics show being married results in fewer claims.
  • Don’t skimp on liability – Liability coverage will protect you in the event that a jury decides you are liable for damages caused by your negligence. Liability provides you with a defense in court which can cost thousands of dollars. Liability is cheap when compared with rates for comp and collision, so buy as much as you can afford.
  • Extra add-on coverages are wasting money – There are many extra coverages that you can buy on your car insurance policy. Things like personal injury protection, towing coverage and membership fees are examples of these. They may seem good when talking to your agent, but your needs may have changed so remove them from your policy.

Tailor your coverage to you

When choosing the best insurance coverage for your vehicles, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs so this has to be addressed. These are some specific questions could help you determine whether your personal situation will benefit from professional help.

  • How can I force my company to pay a claim?
  • Do I need more liability coverage?
  • Who is covered when they drive my 1996 Ford Taurus?
  • Do I need PIP coverage since I have good health insurance?
  • Am I covered when pulling a rental trailer?
  • Are rental cars covered under my policy?
  • When would I need additional glass coverage?
  • Am I better off with higher deductibles on my 1996 Ford Taurus?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area.

Can switching companies really save?

Insurance coverage providers like Progressive, Allstate and GEICO continually stream ads on television and other media. They all make an identical promise about savings after switching to them. But how can every company say the same thing? It’s all in the numbers.

All the different companies have a certain “appetite” for the right customer that makes them money. A good example of a driver they prefer might be profiled as between the ages of 40 and 55, owns a home, and has excellent credit. A propective insured who matches those parameters will get the preferred rates and as a result will probably save when they switch companies.

Drivers who don’t meet this ideal profile must pay higher prices and ends up with business not being written. The ad wording is “drivers who switch” not “people who quote” save that much. That’s the way insurance companies can confidently state the savings.

This illustrates why drivers must get quotes from several different companies. It’s just too difficult to predict which insurance companies will provide you with the cheapest Ford Taurus insurance rates.

Car insurance coverage information

Understanding the coverages of your insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are the normal coverages available from insurance companies.

Coverage for uninsured or underinsured drivers

This provides protection when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Ford Taurus.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these limits are set the same as your liablity limits.

Comprehensive insurance

Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like vandalism, a broken windshield, damage from flooding, hitting a deer and damage from getting keyed. The maximum amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for ambulance fees, rehabilitation expenses, EMT expenses and funeral costs. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available and may carry a deductible

Auto liability insurance

This coverage protects you from damage that occurs to other’s property or people in an accident. This coverage protects you against other people’s claims. Liability 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. As an example, you may have values of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like repair costs for stationary objects, repair bills for other people’s vehicles, medical services and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for collisions

This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as damaging your car on a curb, rolling your car, scraping a guard rail, backing into a parked car and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

In any little way, save everyday

You just learned many ways to compare 1996 Ford Taurus insurance prices online. It’s most important to understand that the more rate quotes you have, the higher the chance of saving money. Drivers may discover the lowest premiums are with some of the lesser-known companies. They can often provide lower rates in certain areas compared to the large companies like State Farm, GEICO and Nationwide.

When trying to cut insurance costs, it’s a bad idea to skimp on critical coverages to save a buck or two. There have been many cases where consumers will sacrifice comprehensive coverage or liability limits only to regret at claim time that they should have had better coverage. The ultimate goal is to purchase a proper amount of coverage at a price you can afford.

More detailed car insurance information is available in the articles below: