2004 Ford Taurus Insurance Rates – 5 Policy Discounts

Searching for better insurance rates for your Ford Taurus? Scraping up a payment for overpriced Ford Taurus insurance can bottom out your family’s budget and force you to tighten up your finances. Doing a rate analysis is free and is an excellent way to lower your bills every month.

Companies like State Farm and Geico continually hit you with TV and radio ads and it is challenging if not impossible to avoid their marketing magic and effectively compare rates to find the best deal.

If you have a current auto insurance policy or need new coverage, you can use these techniques to shop for the lowest rates while maximizing coverage. Finding the best rates is quite easy. Drivers just need to know the proper methods to shop over the internet.

The best way we recommend to compare rate quotes is to know car insurance companies participate in a system to compare rate quotes. To get started, all you need to do is give them some information like level of coverage desired, if you lease or own, if it has an alarm system, and how much school you completed. That information is then sent to multiple companies and they return cost estimate almost instantly.

Get cheaper rates with these five discounts

Car insurance companies don’t always advertise every discount they offer in a way that’s easy to find, so the list below gives a summary of some of the more common and the harder-to-find auto insurance savings.

• No Claim Discounts – Drivers who stay claim-free pay less compared to accident-prone drivers.
• Defensive Driving Course – Taking part in a course that instructs on driving safety could save 5% or more and easily pay for the cost of the class.
• First Accident Forgiveness – This one is not really a discount per se, but some companies like Progressive, State Farm and Geico will allow you to have one accident without raising rates as long as you don’t have any claims prior to the accident.
• Telematics Data Discounts – Insureds who allow their insurance company to monitor when and where they use their vehicle by installing a telematics device such as Drivewise from Allstate or Snapshot from Progressive could see a rate decrease if their driving habits are good.
• Anti-theft System – Anti-theft and alarm system equipped vehicles are less likely to be stolen and therefore earn up to a 10% discount.

Don’t be shocked that most credits do not apply to all coverage premiums. Most cut specific coverage prices like liability, collision or medical payments. So when it seems like you could get a free auto insurance policy, auto insurance companies aren’t that generous.

A few companies that may offer quotes with these money-saving discounts possibly include:

• State Farm
• Farmers Insurance
• Progressive
• Geico
• Auto-Owners Insurance
• The Hartford
• Farm Bureau
• USAA

When quoting, ask every prospective company to apply every possible discount. Savings may not apply to policies in your area. To view providers who offer online auto insurance quotes, click here.

What is the best auto insurance coverage?

When it comes to choosing proper insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions may help you determine whether you would benefit from professional advice.

• What discounts do I qualify for?
• Do I need medical payments coverage since I have good health insurance?
• Does my insurance cover my expensive audio equipment?
• Is my teen driver covered when they drive my company car?
• Is my nanny covered when driving my vehicle?
• Can I afford to buy a different vehicle if my 2004 Ford Taurus is totaled?
• Is my camper covered by my car insurance policy?
• What companies insure drivers after a DUI or DWI?
• Who is covered by my policy?
• Can I afford low physical damage deductibles?

If you can’t answer these questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.

Detailed coverages of your insurance policy

Understanding the coverages of your policy aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be ambiguous and coverage can change by endorsement. Below you’ll find the usual coverages found on the average insurance policy.

Uninsured and underinsured coverage – This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Liability insurance – Liability coverage will cover damages or injuries you inflict on people or other property. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things like structural damage, repair costs for stationary objects and repair bills for other people’s vehicles. How much coverage you buy is up to you, but buy as high a limit as you can afford.

Comprehensive coverages – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims such as hitting a bird, rock chips in glass and fire damage. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision – Collision coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like backing into a parked car, colliding with another moving vehicle, sustaining damage from a pot hole, crashing into a ditch and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from older vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Coverage for medical payments – Med pay and PIP coverage provide coverage for immediate expenses for things like dental work, X-ray expenses, ambulance fees, rehabilitation expenses and pain medications. They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible