2000 Ford Taurus Insurance Rates – 7 Ways to Save

Searching for lower car insurance rates for your Ford Taurus? Overwhelmed by the dozens of car insurance options? You’re not the only one! Drivers have so many options available that it can be a big hassle to find lower rates.

Consumers need to price shop coverage on a regular basis because rates go up and down regularly. Even if you think you had the lowest rates for Taurus insurance two years ago you can probably find a lower rate today. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate the proper way to lower your rates without sacrificing coverage.

Cut your premium with these seven discounts

Car insurance companies don’t list all available discounts in a way that’s easy to find, so we researched both the well known and also the lesser-known auto insurance savings.

  • Anti-lock Brakes – Vehicles equipped with ABS or steering control can avoid accidents and qualify for as much as a 10% discount.
  • Seat Belt Usage – Drivers who require all occupants to use their safety belts could save 15% off your medical payments premium.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if it’s offered in school.
  • Organization Discounts – Affiliation with a civic or occupational organization could qualify you for a break on auto insurance for Taurus insurance.
  • Senior Discount – Mature drivers may receive better auto insurance rates for Taurus insurance.
  • Federal Employees – Simply working for the federal government could cut as much as 10% off for Taurus insurance with a few auto insurance companies.
  • Theft Prevention System – Anti-theft and alarm systems are stolen less frequently and therefore earn up to a 10% discount.

It’s important to understand that most discounts do not apply to all coverage premiums. Most cut the price of certain insurance coverages like comp or med pay. So despite the fact that it appears you can get free auto insurance, companies wouldn’t make money that way.

Car insurance companies that may have these benefits include:

It’s a good idea to ask each company how you can save money. Discounts may not be available in your state.

Compare Insurance Coverage Today

There are a lot of ways to compare insurance coverage quotes, but some are easier and takes less work. You could waste time talking to local insurance agents in your area, or you could use the internet to achieve your goal.

Most of the larger companies enroll in a system that enables customers to only type in their quote data once, and at least one company then gives them pricing based on that information. This system prevents you from having to do form submissions to each individual insurance coverage company.

To compare 2000 Ford Taurus rates using this form now click here to open in new window.

One minor caviat to using this type of system is that you can’t choose which providers to get quotes from. If you prefer to choose specific insurance companies to receive pricing from, we have assembled a list of insurance coverage companies in your area. Click here for list of insurance companies.

Whichever method you choose, double check that you are using exactly the same coverages for every quote you compare. If you compare higher or lower deductibles it will be very difficult to determine the best price for your Ford Taurus. Just a small difference in coverage limits can result in a big premium difference. And when price shopping your coverage, comparing more company’s prices helps locate the best rates.

What is the best insurance coverage?

When choosing the best insurance coverage coverage for your vehicles, there really is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

These are some specific questions might help in determining whether you would benefit from an agent’s advice.

  • At what point should I drop full coverage?
  • Should I waive the damage coverage when renting a car?
  • Is a fancy paint job covered?
  • What should my uninsured motorist coverage limits be in my state?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • How much can I save by bundling my policies?
  • What is roadside assistance coverage?
  • Do I need more liability coverage?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form.

Insurance coverages and their meanings

Learning about specific coverages of a insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive coverages – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like falling objects, a tree branch falling on your vehicle, fire damage and hitting a deer. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage – This coverage will pay to fix damage to your Taurus caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims like backing into a parked car, hitting a parking meter, sideswiping another vehicle and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Liability insurance – Liability coverage provides protection from damage or injury you incur to other’s property or people. It protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims like medical services, bail bonds and funeral expenses. The amount of liability coverage you purchase is up to you, but buy higher limits if possible.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Ford Taurus.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Coverage for medical payments – Med pay and PIP coverage provide coverage for expenses for funeral costs, rehabilitation expenses, ambulance fees, EMT expenses and pain medications. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Quote more. Save more.

When shopping online for insurance, it’s not a good idea to reduce coverage to reduce premium. There have been many situations where an insured dropped full coverage only to find out they didn’t have enough coverage. Your aim should be to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.

We covered some good ideas how you can get a better price on 2000 Ford Taurus insurance. The most important thing to understand is the more providers you compare, the better chance you’ll have of finding lower rates. You may be surprised to find that the lowest priced insurance comes from some of the lesser-known companies.

Consumers change insurance companies for any number of reasons including delays in paying claims, denial of a claim, poor customer service and even being labeled a high risk driver. It doesn’t matter why you want to switch switching insurance companies can be less work than you think.

More information is located below: