1997 Ford Taurus Insurance Rates – 8 Ways to Save

Nobody I know likes having to buy insurance coverage, especially knowing the price is too high.

Popular companies such as Allstate, Liberty Mutual and State Farm continually bombard you with advertising and it is difficult to see through the cute green geckos and mayhem and find the best price available.

You should make it a habit to compare rates before your policy renews since insurance rates tend to go up over time. Even if you got the best deal for Taurus coverage a year ago a different company probably has better rates today. You’ll find quite a bit of inaccurate information about insurance coverage online, so I’m going to show you some good information on how to reduce your insurance coverage bill.

Discounts to lower 1997 Ford Taurus insurance rates

Companies that sell car insurance don’t necessarily list every available discount very clearly, so the following is a list of some of the best known and the more hidden savings tricks you should be using.

  • More Vehicles More Savings – Buying coverage for multiple cars or trucks with the same company can get a discount on all vehicles.
  • Auto/Life Discount – Larger companies have a break if you buy life insurance.
  • Early Signing – A few companies offer discounts for switching policies prior to your current policy expiring. This can save 10% or more.
  • Paperless Signup – Some insurance companies give back up to $50 for buying your policy online.
  • Resident Student – Kids in college who attend school more than 100 miles from home and do not have a car may qualify for this discount.
  • Payment Method – By paying your policy upfront rather than paying monthly you could save up to 5%.
  • Theft Prevention Discount – Vehicles with anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • No Claims – Drivers with accident-free driving histories can save substantially compared to drivers who are more careless.

Consumers should know that many deductions do not apply to the entire cost. Most only cut the cost of specific coverages such as medical payments or collision. Just because it seems like it’s possible to get free car insurance, companies wouldn’t make money that way.

To see a list of insurance companies with discount insurance rates, click here.

Tailor your coverage to you

When it comes to buying adequate coverage for your vehicles, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions may help you determine if your situation would benefit from an agent’s advice.

  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Is extra glass coverage worth it?
  • Is a blown tire covered by insurance?
  • Why is insurance for a teen driver so high?
  • How do I insure my teen driver?
  • Is my ex-spouse still covered by my policy?
  • How high should my uninsured/underinsured coverage be in my state?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.

Save 15 percent in 15 minutes? Is it for real?

Companies like State Farm and Allstate regularly use ads on TV and radio. All the ads have a common claim about savings if you move your policy. How do they all make almost identical claims? It’s all in the numbers.

All companies are able to cherry pick for the type of driver they prefer to insure. For instance, a profitable customer might be over the age of 40, insures multiple vehicles, and drives less than 10,000 miles a year. Any driver that hits that “sweet spot” receives the best rates and most likely will save a lot of money.

Potential insureds who fall outside the “perfect” profile must pay a higher premium and ends up with business going elsewhere. The ad wording is “customers that switch” not “everyone that quotes” save money. That’s why insurance companies can advertise the savings. This illustrates why drivers should get as many quotes as possible. Because you never know which company will give you the biggest savings on Ford Taurus insurance.

Auto insurance coverages explained

Learning about specific coverages of your auto insurance policy can help you determine the best coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find the usual coverages available from auto insurance companies.

Comprehensive coverages – This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like falling objects, a broken windshield and damage from getting keyed. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage – This coverage covers damage to your Taurus from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like crashing into a ditch, rolling your car and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also raise the deductible to get cheaper collision coverage.

Uninsured and underinsured coverage – This coverage protects you and your vehicle 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.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like pain medications, dental work and prosthetic devices. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Coverage for liability – Liability insurance will cover damages or injuries you inflict on people or other property. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 that means you have $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 things such as loss of income, medical expenses, medical services and funeral expenses. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.

Find Good Coverage for Less

Discount 1997 Ford Taurus insurance is available on the web and with local insurance agents, and you should be comparing both to have the best chance of lowering rates. There are still a few companies who do not offer you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

While you’re price shopping online, you should never skimp on critical coverages to save a buck or two. There are a lot of situations where drivers have reduced uninsured motorist or liability limits and discovered at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to get the best coverage possible at a price you can afford while not skimping on critical coverages.

You just read a lot of ways to get a better price on insurance. It’s most important to understand that the more rate comparisons you have, the better your chances of lowering your rates. You may even discover the lowest premiums are with some of the lesser-known companies. Smaller companies often have lower prices on specific markets compared to the large companies like Allstate and Progressive.

More detailed insurance coverage information is located by following these links: