2018 Ford Taurus Car Insurance Quotes

Drivers have options when trying to find low-cost Ford Taurus insurance. They can either waste time driving around to get rate comparisons or leverage the internet to get rate quotes.

There is a right way and a wrong way to compare auto insurance rates and you need to know the absolute fastest way to price shop coverage for a Ford and get the best price possible.

Cheaper insurance coverage rates with discounts

Some companies do not advertise their entire list of discounts very clearly, so we took the time to find some of the best known as well as some of the hidden credits that you can use to lower your rates.

• Discount for Good Grades – Being a good student may save as much as 25% on a car insurance quote. You can use this discount normally well after school through age 25.
• Early Payment Discounts – By paying your policy upfront rather than paying monthly you may reduce your total bill.
• Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education as it will make them better drivers and lower rates.
• Employee of Federal Government – Federal government employees can earn a discount up to 10% on Taurus coverage with some insurance coverage companies.
• Telematics Data – Insureds that choose to allow their company to analyze driving habits by using a telematics device such as Progressive’s Snapshot could see a rate decrease if they have good driving habits.
• Discount for Low Mileage – Low mileage vehicles may enable drivers to earn lower premium rates due to less chance of an accident.
• Discount for Life Insurance – Select insurance carriers reward you with a discount if you purchase a life insurance policy as well.
• Early Signing – Some insurance coverage companies give discounts for signing up prior to your current policy expiration. This can save 10% or more.
• Safety Restraint Discount – Using a seat belt and requiring all passengers to wear their seat belts can save 10% or more off the PIP or medical payment premium.

A little disclaimer on discounts, most of the big mark downs will not be given to the entire cost. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

A few popular companies and their possible discounts can be read below.

• State Farm has savings for driver’s education, safe vehicle, multiple policy, passive restraint, Drive Safe & Save, anti-theft, and defensive driving training.
• Nationwide offers premium reductions for business or organization, family plan, easy pay, good student, and multi-policy.
• Geico may have discounts that include air bags, good student, driver training, military active duty, and multi-vehicle.
• AAA includes discounts for anti-theft, AAA membership discount, education and occupation, pay-in-full, multi-car, multi-policy, and good student.
• 21st Century discounts include homeowners, air bags, automatic seat belts, good student, early bird, and 55 and older.
• The Hartford offers discounts for good student, bundle, driver training, vehicle fuel type, defensive driver, anti-theft, and air bag.

When quoting, ask each insurance company which credits you are entitled to. A few discounts may not be available in your state.

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Lower insurance rates with these tips

Lots of things are used when you quote your car insurance policy. Some are obvious such as traffic violations, but other criteria are not as apparent like where you live or your commute time.

Shown below are just a few of the factors used by insurance companies to determine rates.

• Youthful drivers cost more – Drivers with little experience are known to be inattentive and easily distracted with other occupants in the car and because of this, their auto insurance rates are much higher. Mature drivers have been proven to be more responsible, cost insurance companies less in claims , and are generally more financially stable.
• Stress out and pay more – Jobs like doctorsair traffic controllers and stock brokers have higher rates than the rest of us in part from stressful work requirements and extremely grueling work hours. On the flip side, professions such as scientists, historians and retirees have lower than average premiums on Taurus coverage.
• Women tend to take less risk – The statistics show that men are more aggressive behind the wheel. That doesn’t necessarily mean that men are WORSE drivers than women. Males and females get in at-fault accidents in similar numbers, but guys cause more damage. In addition to higher claims, males also receive more costly citations such as driving while intoxicated (DWI) or driving recklessly. Male drivers age 16 to 19 are the most expensive to insure so they pay the highest premiums.
• Bad credit hurts insurance costs – A driver’s credit score can be a huge factor in your rate calculation. People that have excellent credit tend to be better drivers and file fewer claims as compared to drivers with poor credit scores. If your credit rating is lower than you’d like, you could save money insuring your 2018 Ford Taurus if you clean up your credit.
• Avoid tickets and save – Whether or not you get tickets has a big impact on rates. Even one speeding ticket can increase the cost of insurance by as much as twenty percent. Attentive drivers tend to pay less for car insurance than people who have multiple driving citations. Drivers who have received careless tickets like DUI or reckless driving may face state-mandated requirements to file a SR-22 with their state in order to continue driving.

Tailor your auto insurance coverage to you

When it comes to choosing the best auto insurance coverage, there really is no perfect coverage plan. Everyone’s situation is unique.

Here are some questions about coverages that might point out if your insurance needs might need professional guidance.

• Do I need replacement cost coverage?
• Am I getting all the discounts available?
• Are rock chip repairs covered?
• Can my teen drive my company car?
• Exactly who is provided coverage by my policy?
• Do I have coverage if my license is suspended?
• Do I need roadside assistance coverage?
• Do I need an umbrella policy?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form. It is quick, free and you can get the answers you need.

Car insurance advertising gotchas

Drivers constantly see and hear ads for the lowest price car insurance by 21st Century, Allstate and State Farm. All the ads make the point that people will save just by moving your policy.

Is it even possible that every company can charge lower premium rates? Here is the trick they use.

Many companies have underwriting criteria for the type of customer that earns them the most money. One example of a profitable risk profile could possibly be between the ages of 30 and 50, insures multiple vehicles, and has a short commute. Any driver who matches those parameters receives the best rates and most likely will save if they switch.

Insureds who don’t meet these stringent criteria will probably be forced to pay a more expensive rate which usually ends up with the prospect going elsewhere. If you listen closely, the ads state “people who switch” not “everybody who quotes” save that much when switching. That’s the way companies can truthfully make it sound like they have such great auto insurance rates.

Different companies use different criteria so it is so important to get a wide range of price quotes. It is just not possible to predict which insurance companies will give you the biggest savings.

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Insurance coverages and their meanings

Having a good grasp of your insurance policy can help you determine appropriate coverage and proper limits and deductibles. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Liability

This provides protection from damage that occurs to people or other property. It protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for claims such as legal defense fees, medical services, repair bills for other people’s vehicles and structural damage. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as damage to your Ford Taurus.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally the UM/UIM limits are set the same as your liablity limits.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as damage from getting keyed, damage from a tornado or hurricane, vandalism and hitting a deer. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like pain medications, chiropractic care, prosthetic devices, hospital visits and ambulance fees. They are used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Collision coverage protection

This covers damage to your Taurus resulting 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 like rolling your car, colliding with a tree, damaging your car on a curb and crashing into a building. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to save money on collision insurance.

Final considerations

Throughout this article, we presented some good ideas how you can get a better price on 2018 Ford Taurus insurance. It’s most important to understand that the more rate quotes you have, the higher the chance of saving money. Consumers may even find the biggest savings come from some of the lesser-known companies.

Budget-friendly insurance coverage can be bought online and also from your neighborhood agents, so you need to shop car insurance with both to have the best selection. There are still a few companies who may not offer the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

When you buy car insurance online, you should never buy less coverage just to save a little money. In many instances, someone sacrificed liability coverage limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The goal is to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.

For more information, take a look at these articles:

• Auto Insurance Basics (Insurance Information Insitute)
• Side Impact Crash Tests (iihs.org)
• Uninsured Motorist Statistics (Insurance Information Insitute)
• Preventing Carjacking and Theft (Insurance Information Insitute)
• Vehicle Insurance (Wikipedia)
• Child Safety Seats (Insurance Information Insitute)

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