There are many options when finding cheaper insurance coverage on your Ford vehicle. You can either buy through a local agent or go online to compare insurance costs of insurance providers. Comparing car insurance by comparing rates online can be fast and easy and there is a good chance you might just save a little.
If you've never shopped for car insurance online, you can be overwhelmed by the hoards of car insurance companies vying for your business. When shopping for car insurance there are multiple ways to get quotes from different insurance companies. The easiest way by far to find the cheapest Taurus insurance rates involves getting comparison quotes online. This can be accomplished by getting a quick quote here.
Auto insurance rates for a Ford Taurus can be significantly different depending on several factors. Some of these factors include:
A final factor that can impact Taurus insurance cost is the model year. Used vehicles cost less in comparison to older models so repair costs tend to be lower which may result in lower rates. Conversely, more recent Ford vehicles may have a trim level with safety features such as adaptive cruise control, lane departure warning system, and pedestrian detection that may help help offset higher rates.
To get a better idea how much rates will be for your vehicle, select the year of your Taurus below.
Auto liability insurance
This coverage will cover damage that occurs to other people or property. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so consider buying as large an amount as possible.
This coverage will pay to fix damage to your Ford caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in. Taurus collision insurance is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.
Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by your Ford Taurus comprehensive insurance. The highest amount you'll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.
Uninsured or underinsured coverage
Your UM/UIM coverage provides protection from other drivers when they are uninsured or don't have enough coverage. Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.
Med pay and Personal Injury Protection (PIP)
Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Personal Injury Protection is only offered in select states and may carry a deductible.
How Much are Ford Taurus Insurance Rates?