1999 Ford Taurus Insurance Cost

Want better car insurance rates? Drivers have lots of choices when trying to find low-cost Ford Taurus insurance. You can either waste hours struggling with agents getting price quotes or save time using the internet to compare rates.

There is a better way to compare car insurance rates and you need to know the best way to get price quotes on a Ford and locate the cheapest rates from local insurance agents and online providers.

This article will let you in on how to get online quotes and some tips to save money. If you are paying for car insurance now, you should be able to lower your premiums substantially using these methods. Drivers just need to understand the most effective way to get comparison rates on the web.

Earn discounts on insurance

Insurance can cost an arm and a leg, but there’s a good chance there are discounts that can drop the cost substantially. Larger premium reductions will be automatically applied when you get a quote, but some discounts are required to be specifically requested before you get the savings.

• Defensive Driving Course – Taking part in a safe driver class could possibly earn you a 5% discount if your company offers it.
• ABS and Traction Control Discounts – Cars that have steering control and anti-lock brakes are much safer to drive and will save you 10% or more.
• Multiple Cars – Buying a policy with multiple cars with the same company can get a discount for every vehicle.
• Safety Restraint Discount – Using a seat belt and requiring all passengers to use a seat belt could cut 10% or more on the premium charged for medical payments and/or PIP.
• Anti-theft Discount – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems are stolen less frequently and will qualify for a discount on a insurance coverage quote.
• Employee of Federal Government – Employees or retirees of the government may qualify for a discount when you quote insurance coverage on Taurus insurance depending on your company.
• Accident Forgiveness – but a handful of insurance companies will let one accident slide without the usual rate increase so long as you haven’t had any claims prior to being involved in the accident.
• Senior Citizen Discount – If you’re over the age of 55, you can possibly qualify for reduced rates on Taurus insurance.
• Payment Method – If you pay your bill all at once rather than paying monthly you can avoid the installment charge.

Don’t be shocked that most discount credits are not given to the entire cost. Some only reduce the cost of specific coverages such as comprehensive or collision. So when it seems like all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

The best insurance companies and a summarized list of policyholder discounts are:

• Farm Bureau offers discounts for good student, youthful driver, multi-vehicle, driver training, safe driver, multi-policy, and renewal discount.
• State Farm offers discounts including good student, multiple autos, safe vehicle, accident-free, passive restraint, and defensive driving training.
• Progressive has discounts for online signing, multi-policy, multi-vehicle, homeowner, online quote discount, good student, and continuous coverage.
• Allstate policyholders can earn discounts including premier discount, teenSMART discount, farm vehicle, passive restraint, and economy car.
• Nationwide may include discounts for defensive driving, anti-theft, family plan, multi-policy, good student, easy pay, and Farm Bureau membership.
• MetLife offers premium reductions for accident-free, good student, good driver, multi-policy, claim-free, and defensive driver.

When getting free insurance coverage quotes, it’s a good idea to each company or agent to apply every possible discount. Some of the discounts discussed earlier may not be available in every state. To see insurance companies that offer the discounts shown above, click this link.

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Compare auto insurance rate quotes

All the larger auto insurance companies such as Progressive, Geico, Allstate and State Farm give insurance quotes on the web. Getting quotes doesn’t take much effort as you just enter the coverages you want into the form. After you complete the form, their system collects credit information and your driving record and provides a quote.

Quoting online simplifies rate comparisons, but the time it takes to visit each company’s website and repetitively type in the same information can be a bit tiresome and repetitive. But it’s also necessary to compare as many rates as possible if you are searching for a better rate.

An easier way to find cheaper rates requires only one form that gets price quotes from many companies. This type of form saves time, reduces the work, and makes price shopping online a little more enjoyable. After sending your information, your coverage is rated and you are able to buy any or none of the quotes that you receive.

If the quotes result in lower rates, you can click and sign and buy the new coverage. The whole process takes 15 minutes at the most and may result in a nice savings.

To compare rates now, click here to open in a new tab and enter your vehicle and coverage information. If you have your current policy handy, we recommend you input the coverages identical to your current policy. This way, you will have a price comparison for similar insurance coverage.

Tailor your car insurance coverage to you

When choosing the best car insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs.

For example, these questions might point out whether your personal situation could use an agent’s help.

• Is extra glass coverage worth it?
• Are there companies who specialize in insuring high-risk drivers?
• What companies insure drivers after a DUI or DWI?
• Is motorclub coverage worth it?
• How can I force my company to pay a claim?
• What is the minimum liability in my state?
• Are rock chip repairs covered?
• Does my 1999 Ford Taurus need full coverage?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an agent. To find an agent in your area, complete this form. It is quick, free and can provide invaluable advice.

Specific coverage details

Understanding the coverages of your policy can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like hospital visits, chiropractic care and dental work. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Auto liability – This can cover damages or injuries you inflict on other people or property that is your fault. It protects YOU from claims by other people, 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. You commonly see liability limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims like legal defense fees, repair costs for stationary objects, court costs, funeral expenses and emergency aid. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for hospital bills for your injuries and also any damage incurred to your Ford Taurus.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Usually these limits are set the same as your liablity limits.

Comprehensive insurance – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as damage from getting keyed, hail damage, fire damage, vandalism and hitting a deer. The maximum payout a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Collision coverages – This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims such as backing into a parked car, colliding with another moving vehicle, colliding with a tree, damaging your car on a curb and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

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Buy Smart and Save

As you quote insurance coverage, make sure you don’t skimp on coverage in order to save money. There are a lot of situations where someone sacrificed comprehensive coverage or liability limits and found out when filing a claim they didn’t purchase enough coverage. The ultimate goal is to purchase a proper amount of coverage at a price you can afford and still be able to protect your assets.

Insureds who switch companies do it for many reasons like policy cancellation, delays in paying claims, delays in responding to claim requests and even policy non-renewal. Regardless of your reason for switching companies, choosing a new insurance company is easier than you think.

We just covered a lot of information how to shop for 1999 Ford Taurus insurance online. The key concept to understand is the more rate comparisons you have, the higher your chance of finding cheap insurance coverage. Consumers may even find the best rates are with some of the smallest insurance companies.

More learning opportunities

• Vehicle Insurance in the U.S. (Wikipedia)
• Medical Payments Coverage (Liberty Mutual)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• What is Covered by GAP Insurance? (Allstate)
• Understanding Car Crashes Video (iihs.org)
• Rental Car Insurance Tips (Insurance Information Insitute)

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