1998 Ford Taurus Insurance Cost – 10 Tips for Cheaper Prices

Are you a victim of an underperforming, overpriced insurance policy? Say no more because there are many people just like you. You have multiple insurers to insure vehicles with, and though it is a good thing to have a selection, it makes it harder to find the lowest cost provider.

Cheaper rates with these ten car insurance discounts

Car insurance is not an enjoyable expense, but you may find discounts to help bring down the price. Many discounts should be triggered at the time you complete a quote, but some need to be inquired about before you will receive the discount.

• Online Discount – Many insurance companies give back up to $50 for completing your application on their website.
• Driver’s Ed – Cut your cost by having your teen driver enroll and complete driver’s education if it’s offered in school.
• Discount for Passive Restraints – Vehicles equipped with air bags or motorized seat belts can get savings of 25 to 30%.
• Bundled Policy Discount – If you can bundle your home and auto insurance and place coverage with the same company they may give you a discount of up to 20% and get you the cheapest insurance coverage.
• Low Mileage – Keeping the miles down on your Ford may allow you to get better rates on cars that stay parked.
• Organization Discounts – Belonging to specific professional or occupational memberships or organizations may earn a discount on your policy.
• Theft Deterent – Vehicles optioned with advanced anti-theft systems are stolen with less frequency and will save you 10% or more.
• Switch and Save Discount – Some larger companies provide a discount for renewing your policy before your current expiration date. Ten percent is about the average savings.
• 55 and Retired – If you qualify as a senior citizen, you may be able to get a slight reduction on a insurance coverage quote on Taurus coverage.
• Service Members Pay Less – Being deployed in the military can result in better rates.

Please keep in mind that many deductions do not apply to the entire policy premium. Most cut the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like you could get a free car insurance policy, companies wouldn’t make money that way.

Popular car insurance companies and their offered discounts can be found below.

• American Family offers premium reductions for early bird, Steer into Savings, accident-free, mySafetyValet, bundled insurance, good driver, and defensive driver.
• Farm Bureau policyholders can earn discounts including good student, renewal discount, youthful driver, multi-policy, safe driver, and driver training.
• State Farm may offer discounts for good student, good driver, driver’s education, passive restraint, student away at school, multiple policy, and multiple autos.
• Travelers offers discounts including continuous insurance, IntelliDrive, good student, save driver, and student away at school.
• The Hartford has savings for anti-theft, air bag, defensive driver, vehicle fuel type, good student, and driver training.
• Geico may include discounts for air bags, federal employee, multi-policy, military active duty, driver training, five-year accident-free, and anti-lock brakes.
• Progressive has discounts for online quote discount, continuous coverage, multi-policy, homeowner, multi-vehicle, good student, and online signing.

When comparing rates, check with every insurance company to apply every possible discount. Some credits might not be available to policyholders in your area.

The quickest way to get policy rate comparisons is to know all the major auto insurance companies have advanced systems to give rate comparisons. To begin a comparison, all you need to do is provide information like if the car is leased, daily mileage, if you require a SR-22, and whether you are married. Your rating data is then sent to many different companies and you get price estimates with very little delay.

To check rates for your 1998 Ford Taurus now, click here and find out if you can get cheaper insurance.

Auto insurance can get complicated

When choosing adequate coverage, there isn’t really a single plan that fits everyone. Every situation is different so this has to be addressed. For instance, these questions may help highlight if your insurance needs might need professional guidance.

• Is my Ford Taurus covered if I use it for business?
• Is a blown tire covered by insurance?
• Does my medical payments coverage pay my health insurance deductible?
• Can my babysitter drive my car?
• What happens if I owe more than my 1998 Ford Taurus is worth?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Should I buy additional glass protection?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Car insurance coverages for a 1998 Ford Taurus

Knowing the specifics of a insurance policy can help you determine which coverages you need and the correct deductibles and limits. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Shown next are the usual coverages available from insurance companies.

Liability insurance

This coverage protects you from damages or injuries you inflict on people or other property. This coverage protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Another option is one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as medical expenses, emergency aid, legal defense fees, repair bills for other people’s vehicles and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but buy higher limits if possible.

Collision coverage protection

Collision coverage pays for damage to your Taurus caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for claims like damaging your car on a curb, sideswiping another vehicle, sustaining damage from a pot hole and scraping a guard rail. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Comprehensive protection

This pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as hitting a bird, a tree branch falling on your vehicle, damage from a tornado or hurricane, theft and a broken windshield. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for immediate expenses such as chiropractic care, X-ray expenses, prosthetic devices, nursing services and funeral costs. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Uninsured or underinsured coverage

Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as damage to your Ford Taurus.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Usually these limits are set the same as your liablity limits.

Save for a rainy day

Some companies may not provide price quotes online regional insurance providers provide coverage only through independent insurance agents. Budget-conscious 1998 Ford Taurus insurance is available from both online companies and also from your neighborhood agents, and you should be comparing both in order to have the best chance of saving money.

In this article, we presented a lot of techniques to lower your 1998 Ford Taurus insurance premium rates. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. You may even find the lowest priced auto insurance comes from the smaller companies. Some small companies may only write in your state and offer lower prices as compared to the big name companies such as State Farm, Geico and Nationwide.

Additional auto insurance information is located on the following sites:

• Avoiding Deer Collisions (Insurance Information Insitute)
• Vehicle Insurance in the U.S. (Wikipedia)
• What is Full Coverage? (Allstate)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Auto Crash Statistics (Insurance Information Insitute)