View 2017 Ford Taurus Car Insurance Rates

Looking for lower car insurance rates for your Ford Taurus? Are you confused by the number of car insurance providers available to you? Many other drivers are as well. You have so many options that it can be a lot of work to find lower car insurance rates.

Finding cheaper coverage is simple if you know the tricks. Just about every vehicle owner who buys auto insurance most likely will be able to reduce their rates. But consumers benefit from understanding the way insurance companies compete online and use this information to your advantage.

How to get low cost car insurance

Effectively comparing car insurance prices can be a daunting task if you aren’t aware of the most efficient way to do it. You can waste a few hours (or days) talking to insurance agencies in your area, or you could use the web to get pricing more quickly.

Most major companies take part in a program that enables customers to submit one quote, and each company then gives them pricing based on that information. This prevents consumers from doing quotation requests for each company you want a rate for.

To compare rates using this form now click here to open in new window.

The only drawback to comparing rates this way is buyers cannot specifically choose which insurance companies to get quotes from. If you wish to select specific insurance companies to receive pricing from, we have a page of the cheapest car insurance companies in your area. Click here to view list.

Compare rates however you want, just try to use apples-to-apples quote data for every company. If you are comparing mixed coverages you will not be able to make a fair rate comparison. Having just a slight variation in insurance coverages could throw off the whole comparison. Just keep in mind that comparing more quotes provides better odds of finding the best rates.

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Insurance policy discounts you can’t miss

Insuring your vehicles can cost a lot, but you may qualify for discounts that you may not even know about. Some discounts apply automatically when you get a quote, but lesser-known reductions have to be requested specifically before being credited. If you aren’t receiving every discount available, you are paying more than you should be.

• No Charge for an Accident – Not a discount per se, but certain companies allow you one accident before hitting you with a surcharge as long as you don’t have any claims prior to the accident.
• Discount for Low Mileage – Driving fewer miles can qualify you for cheaper premium rates.
• Resident Student – Any of your kids living away from home attending college and do not have a car could qualify for this discount.
• Military Discounts – Having a deployed family member could qualify you for better premium rates.
• ABS Braking Discount – Cars with ABS braking systems or traction control can stop better under adverse conditions and earn discounts up to 10%.
• Senior Citizens – If you’re over the age of 55, you are able to get a small decrease in premiums on Taurus insurance.
• Seat Belt Discounts – Requiring all passengers to buckle up before driving may be able to save a few bucks off the medical payments premium.
• Responsible Drivers – Insureds who avoid accidents can get discounts for up to 45% lower rates on Taurus insurance as compared to drivers with claims.
• Accident Free – Drivers who don’t have accidents can save substantially as compared to accident-prone drivers.
• E-sign Discounts – A few insurance companies will give you a small discount for completing your application on the internet.

One last thing about discounts, many deductions do not apply to the entire cost. Most cut specific coverage prices like liability and collision coverage. If you do the math and it seems like all the discounts add up to a free policy, insurance companies wouldn’t stay in business. Any amount of discount should help lower your insurance premiums.

A few popular companies and a summarized list of policyholder discounts are included below.

• American Family offers discounts including early bird, Steer into Savings, air bags, good student, and mySafetyValet.
• Nationwide may include discounts for Farm Bureau membership, defensive driving, easy pay, accident-free, anti-theft, family plan, and business or organization.
• MetLife has discounts for good student, multi-policy, claim-free, good driver, accident-free, defensive driver
• 21st Century has savings for air bags, defensive driver, homeowners, 55 and older, and theft prevention.
• Farmers Insurance policyholders can earn discounts including multi-car, youthful driver, mature driver, teen driver, bundle discounts, and switch companies.
• Allstate offers discounts for safe driver, farm vehicle, premier plus, anti-lock brakes, and eSmart discount.

Check with each insurance company which discounts you may be entitled to. Savings may not apply to policyholders in every state. To see a list of insurance companies who offer discounts, click here to view.

Insurance agents can help

When it comes to buying proper insurance coverage, there really is no “perfect” insurance plan. Every situation is different.

Here are some questions about coverages that might help in determining if your situation might need professional guidance.

• Does my personal policy cover me when driving out-of-state?
• Am I covered if I drive in a foreign country?
• Am I covered when pulling a rental trailer?
• Will my vehicle be repaired with OEM or aftermarket parts?
• Do I need rental car coverage?
• Does my liability insurance cover pulling a trailer or camper?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Components of your Ford Taurus insurance costs

The best way to find cheaper insurance is to take a look at some of the elements that go into determining the level of your policy premiums. When consumers understand what determines base rates, this allows you to make educated decisions that could help you find cheaper rates.

The items below are some of the most rate-impacting factors that factor into your prices.

• Your address can influence price – Living in small towns and rural areas can be a good thing when buying insurance. Lower population means a lower chance of having an accident and a lower car theft rate. City drivers tend to have much more traffic and more time behind the wheel. Spending more time driving means more chance of being in an accident.
• Married drivers pay less – Having a wife or husband may earn you lower rates when buying insurance. Marriage is viewed as being more mature than a single person it has been statistically shown that married drivers tend to have fewer serious accidents.
• Gender as a rate factor – The statistics show that females take fewer risks when driving. However, this does not mean women are BETTER drivers than men. Both genders cause accidents at about the same rate, but the males tend to have higher claims. Not only that, but men also receive more major tickets such as reckless driving.
• Pleasure use or commuting – The higher the miles on your Ford in a year the higher your rate. A lot of companies rate vehicles based upon how the vehicle is primarily used. Cars and trucks that are left in the garage receive better premium rates than vehicles that have high annual mileage. It’s always a good idea to double check that your policy shows annual mileage, because improper ratings can cost you money. Improper usage on your Taurus can result in significantly higher rates.
• Drive a safer car and pay less – Vehicles with good safety scores tend to have better insurance rates. Vehicles engineered for safety have better occupant injury protection and reduced instances of injuries means less claims paid and cheaper rates on your policy.
• How many coverages with the same company – The majority of insurance companies give a discount to clients that have more than one policy. It’s known as a multi-policy discount. Discounts can amount to ten or even fifteen percent. Even if you qualify for this discount already, it’s still a good idea to shop around to confirm you are receiving the best rates possible.There is a good possibility that you can save more without the discount even if you insure with multiple companies

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Tricks in car insurance advertising

State Farm, Allstate and Geico endlessly run television and radio advertisements. All the companies advertise the message about how much you will save just by switching your car insurance policy to them. It sounds good, but how can they all claim to save you money? Here is how they do it.

Car insurance companies look for specific characteristics for the type of driver that is profitable for them. For instance, a driver they prefer might be between 25 and 40, has a low-risk occupation, and has excellent credit. A propective insured who matches those parameters gets the lowest auto insurance rates and is almost guaranteed to save a lot of money.

Potential customers who do not meet the “perfect” profile may receive higher premium rates with the end result being the driver buying from a lower-cost company. The ad wording is “customers that switch” but not “everyone who gets a quote” save the amount stated. This is how insurance companies can make those statements.

Because of these techniques, it is so important to compare quotes as often as possible. Because you cannot predict with any certainty which company will have the lowest auto insurance rates for your situation.

Specifics of your car insurance policy

Learning about specific coverages of a car insurance policy can help you determine which coverages you need and the correct deductibles and limits. Car insurance terms can be difficult to understand and coverage can change by endorsement.

Comprehensive coverage

This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like hail damage, damage from flooding and rock chips in glass. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as prosthetic devices, nursing services and dental work. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and damage to your 2017 Ford Taurus.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time these limits are identical to your policy’s liability coverage.

Collision protection

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

Collision coverage protects against claims such as damaging your car on a curb, crashing into a building, scraping a guard rail, crashing into a ditch and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. You can also raise the deductible to get cheaper collision coverage.

Liability

Liability insurance can cover injuries or damage you cause to other’s property or people in an accident. It protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for claims like repair bills for other people’s vehicles, bail bonds and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

Coverage on a shoestring budget

While you’re price shopping online, it’s not a good idea to buy lower coverage limits just to save a few bucks. In many cases, an accident victim reduced uninsured motorist or liability limits and learned later that they should have had better coverage. The proper strategy is to purchase plenty of coverage at the best price, but do not sacrifice coverage to save money.

Throughout this article, we presented many ways to save on 2017 Ford Taurus insurance. It’s most important to understand that the more companies you get premium rates for, the more likely it is that you will get a better rate. Consumers could even find that the lowest auto insurance rates are with the least-expected company.

There are still a few companies who do not offer online price quotes and these regional insurance providers only sell through independent insurance agencies. Budget-friendly car insurance can be found on the web and from local agencies, so compare prices from both to get a complete price analysis.

Additional information is located at these links:

• Alcohol Impaired Driving FAQ (iihs.org)
• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• Understanding Limits and Deductibles (Allstate)
• Car Insurance: When not to Skimp (BankRate.com)
• What is Gap Insurance? (Insurance Information Insitute)

Enter your zip code below to view companies that have cheap auto insurance rates.

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