Compare 2002 Ford Taurus Insurance Quotes

Nobody I know likes buying car insurance, especially when they are aware that their premiums are too high.

You have so many auto insurance companies to pick from, and although it’s nice to have a choice, it makes it harder to find the best rates.

The most recommended method to get policy rate comparisons is to understand almost all companies pay for the opportunity to provide you with free rate quotes. The only thing you need to do is provide information such as if your license is active, coverage limits, whether you have decent credit, and the make and model of your vehicles. Your insurance information is instantly submitted to multiple different insurance companies and you will receive price estimates very quickly.

To start a rate quote now, click here and enter your zip code.

Don’t overlook these insurance discounts

Insurance is easily one of your largest bills, but you might find some hidden discounts to reduce the price significantly. Many discounts should be triggered when you get a quote, but some need to be requested specifically before you get the savings.

• Responsible Driver Discount – Accident-free drivers may receive a discount up to 45% on Taurus insurance as compared to drivers with claims.
• Pay Now and Pay Less – If you pay your entire premium ahead of time as opposed to paying monthly you may reduce your total bill.
• No Claim Discounts – Insureds who avoid accidents and claims can earn big discounts as compared to drivers with a long claim history.
• Paperless Signup – A few larger online companies will give a small break shop insurance coverage over the internet.
• Clubs and Organizations – Being a member of a professional or civic organization can get you a small discount on insurance.
• Driver Education Discount – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education in high school.
• Senior Discount – If you’re over the age of 55, you are able to get a small discount on rates on Taurus insurance.

As a footnote on discounts, some of the credits will not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like you can get free auto insurance, that’s just not realistic.

Some of the larger companies that may offer most of the discounts above include:

• State Farm
• American Family
• AAA
• Geico
• Mercury Insurance
• Farmers Insurance
• Progressive

When comparing rates, check with all companies you are considering what discounts are available to you. All car insurance discounts might not apply in your area.

When to get professional advice

When it comes to choosing the best insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is a little different so this has to be addressed. These are some specific questions can help discover if your insurance needs could use an agent’s help.

• Why do I only qualify for high-risk insurance?
• Does my insurance cover my expensive audio equipment?
• Do I have any recourse if my insurance company denies a claim?
• Why am I required to get a high-risk car insurance policy?
• How high should deductibles be on a 2002 Ford Taurus?
• Do I have newly-aquired coverage?
• What is the ISO rating for a 2002 Ford Taurus?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.

Auto insurance coverages

Having a good grasp of your auto insurance policy can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring. Listed below are typical coverage types found on the average auto insurance policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Ford Taurus.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Frequently these limits are set the same as your liablity limits.

Collision coverage

This coverage will pay to fix damage to your Taurus from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like backing into a parked car, crashing into a ditch, driving through your garage door and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like damage from flooding, theft, fire damage, hitting a bird and a tree branch falling on your vehicle. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability auto insurance

This provides protection from damage that occurs to a person or their property by causing an accident. This coverage protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers things like attorney fees, pain and suffering, loss of income, legal defense fees and structural damage. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for X-ray expenses, funeral costs and nursing services. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage