How Much Does 1995 Ford Taurus Insurance Cost?

Looking for cheaper insurance coverage rates? Shoppers have a choice when shopping for low-cost Ford Taurus insurance. They can either waste time calling around getting price quotes or use the internet to compare rates. There is a right way and a wrong way to shop for insurance coverage and we’ll show you the proper way to quote coverages on a Ford and find the best price possible.

Buying car insurance is not that difficult. If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using this information. Consumers only need to know how to shop online.

More affordable rates by taking advantage of discounts

Buying insurance is not cheap, but there may be some discounts that many consumers don’t even know exist. Many discounts should be triggered when you get a quote, but occassionally some discounts must be manually applied before you will receive the discount.

• Sign Online – Many insurance companies may give you up to $50 simply for signing on your computer.
• Government Employees – Active or former government employment can save as much as 8% for Taurus insurance depending on your company.
• Anti-theft System – Cars and trucks equipped with anti-theft or alarm systems are less likely to be stolen and therefore earn up to a 10% discount.
• Distant Student – who are attending college and do not have a car may qualify for this discount.
• Homeowners Pay Less – Being a homeowner can save a few bucks since home ownership is proof of financial responsibility.
• Discounts for New Vehicles – Insuring a new car can get you a discount since newer models have better safety ratings.

Please keep in mind that most credits do not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like comp or med pay. Even though it may seem like it’s possible to get free car insurance, that’s just not realistic.

Companies and some of the discounts are:

• State Farm policyholders can earn discounts including Drive Safe & Save, multiple autos, accident-free, student away at school, driver’s education, and safe vehicle.
• Farmers Insurance has savings for multi-car, switch companies, good student, mature driver, business and professional, early shopping, and homeowner.
• Progressive offers discounts for continuous coverage, good student, homeowner, multi-policy, online quote discount, multi-vehicle, and online signing.
• Geico discounts include anti-theft, anti-lock brakes, daytime running lights, air bags, federal employee, and driver training.
• Auto-Owners Insurance offers premium reductions for group or association, anti-theft, teen driver, good student, anti-lock brakes, and multiple vehicles.
• The Hartford may have discounts that include driver training, bundle, good student, air bag, vehicle fuel type, and defensive driver.
• Farm Bureau has discounts for youthful driver, good student, multi-vehicle, driver training, and renewal discount.
• USAA may offer discounts for driver training, multi-vehicle, loyalty savings, vehicle storage, safe driver, and family discount.

When quoting, ask every insurance company to give you their best rates. Some discounts may not apply in every state. To choose insurers that provide some of the discounts listed above, click this link.

How much car insurance do I need?

When it comes to buying the best car insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone’s situation is unique.

For example, these questions may help highlight if you would benefit from professional advice.

• Do I need to file an SR-22 for a DUI in my state?
• How much liability do I need to cover my assets?
• Why do I only qualify for high-risk insurance?
• Does car insurance cover theft of personal property?
• Is my vehicle covered by my employer’s policy when using it for work?
• Does having multiple vehicles earn me a discount?
• Am I covered when pulling a rental trailer?
• Does my policy pay for OEM or aftermarket parts?
• Why am I be forced to buy a membership to get insurance from some companies?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Coverages available on your policy

Understanding the coverages of a car insurance policy can help you determine which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring.

Collision coverage – This coverage will pay to fix damage to your Taurus resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like crashing into a building, backing into a parked car, hitting a mailbox and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. You can also raise the deductible to get cheaper collision coverage.

Auto liability – Liability insurance will cover damages or injuries you inflict on people or other property. This coverage protects you against claims from other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things such as funeral expenses, medical expenses, structural damage, pain and suffering and court costs. How much liability should you purchase? That is up to you, but buy higher limits if possible.

Comprehensive coverage – This pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like hitting a deer, a tree branch falling on your vehicle and rock chips in glass. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family and damage to your 1995 Ford Taurus.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as rehabilitation expenses, funeral costs, hospital visits and doctor visits. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

A penny earned…

Discount 1995 Ford Taurus insurance can be bought from both online companies and from local insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some car insurance companies may not have internet price quotes and usually these smaller providers prefer to sell through independent agents.

Insureds who switch companies do it for a variety of reasons including unfair underwriting practices, not issuing a premium refund, denial of a claim and policy non-renewal. No matter why you want to switch, choosing a new insurance company can be easier than you think.

When getting insurance quotes online, it’s not a good idea to buy less coverage just to save a little money. In many instances, someone sacrificed liability coverage limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your objective should be to buy enough coverage at the lowest possible cost, not the least amount of coverage.

Other learning opportunities

• Determing Auto Insurance Rates (Geico)
• Child Safety FAQ (iihs.org)
• Think You’re a Safe Driver? (State Farm)
• What is Full Coverage? (Allstate)
• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)