2001 Ford Taurus Insurance Rates – 10 Policy Discounts

If you are new to getting auto insurance quotes online, you may be baffled of companies who all claim to have the lowest rates.

If you currently have a car insurance policy, you will be able to save some money using this information. This information will teach you how to get online quotes and some tips to save money. Although vehicle owners must learn how companies compete online.

How to shop auto insurance online

When comparison shopping, there are several ways to get quotes from different insurance companies. One of the best ways to find the lowest 2001 Ford Taurus rates consists of obtaining rate quotes online. It’s really quite simple and can be done in just a few minutes using one of these methods.

1. If you don’t have a lot of time, the easiest way to get the best comparison quotes is an all-inclusive rate comparison click to view form in new window. This quick form saves time by eliminating multiple quote forms for every auto insurance company. In just a few minutes this one form compares rates from many national carriers. Recommended for those who want to invest the least amount of time.
2. A more time consuming way to get quotes online requires you to visit each individual company website and complete a new quote form. For example, let’s assume you want to compare rates from Allstate, Safeco and Geico. To get rate quotes you would need to spend time going to each site individually and repeatedly enter your information, which is why the first method is more popular. For a list of companies in your area, click here.

The approach you take is up to you, just double check that you are using equivalent information with every price quote. If you use differing limits you will not be able to find the best deal for your Ford Taurus. Just a small difference in coverage limits could throw off the whole comparison. And when quoting auto insurance, remember that comparing a wide range of rates helps increase your odds of locating a lower rate than you’re paying now.

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Do you qualify for these ten discounts?

Companies that sell car insurance do not list the complete list of policy discounts in an easy-to-find place, so the following list contains a few of the more common in addition to some of the lesser obvious ways to save on insurance coverage.

• Safety Restraint Discount – Forcing all vehicle occupants to buckle up before driving could cut 10% or more off the medical payments premium.
• Theft Deterent System – Vehicles with anti-theft systems are less likely to be stolen and that can save you a little bit as well.
• Bundle and Save – If you insure your home and vehicles with the same insurance company you could get a discount of over 10 percent off each policy depending on the company.
• Early Renewal Discounts – Select companies give a discount for switching to them before your current expiration date. You can save around 10% with this discount.
• Sign Online – A few larger online companies provide a small discount shop auto insurance on the web.
• Government Employees – Active or retired federal employment could qualify for a slight premium decrease on Taurus coverage with a few insurance coverage companies.
• Senior Citizen Rates – Drivers over the age of 55 may receive reduced rates on Taurus coverage.
• Claim-Free Discount – Claim-free drivers are rewarded with significantly better rates on auto insurance quote when compared to policyholders that have many claims.
• Defensive Driving Course – Completing a class that teaches defensive driving techniques could cut 5% off your bill depending on where you live.
• Pay Upfront and Save – If you can afford to pay the entire bill as opposed to paying monthly you could save 5% or more.

You can save money using discounts, but some credits don’t apply to all coverage premiums. Most only reduce specific coverage prices like collision or personal injury protection. Even though it appears it’s possible to get free car insurance, insurance coverage companies aren’t that generous.

Insurance companies that have these benefits are:

• Geico
• Auto-Owners Insurance
• American Family
• Esurance
• Progressive
• State Farm
• AAA

Before buying, ask every insurance company which credits you are entitled to. All car insurance discounts might not be offered in your area. To see a list of insurers with discount rates, click this link.

Don’t assume everyone needs the same insurance coverage

When choosing adequate coverage, there is no best way to insure your cars. Everyone’s situation is a little different.

Here are some questions about coverages that might help in determining if your insurance needs may require specific advice.

• At what point should I drop full coverage?
• What is the rate difference between pleasure use and commuting?
• Why is insurance for a teen driver so high?
• What exactly is covered by my policy?
• Can I afford to buy a different vehicle if my 2001 Ford Taurus is totaled?
• Am I missing any policy discounts?
• Should I put collision coverage on all my vehicles?
• Can I drive in Mexico and have coverage?
• When would I need additional glass coverage?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form.

Car insurance policy coverages for a 2001 Ford Taurus

Having a good grasp of your car insurance policy aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as damage to your Ford Taurus.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for nursing services, funeral costs and hospital visits. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible

Comprehensive coverages – Comprehensive insurance covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, rock chips in glass, hitting a bird, fire damage and hail damage. The highest amount your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Auto liability insurance – This provides protection from damage or injury you incur to other’s property or people in an accident. It protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

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 limits of 50/100/50 which stand for $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Some companies may use one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as funeral expenses, pain and suffering, medical expenses and medical services. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as much as you can afford.

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

Collision can pay for things like colliding with a tree, crashing into a ditch and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible in order to get cheaper collision rates.

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More quotes. Lower rates.

Lower-priced car insurance can be bought on the web as well as from insurance agents, so you need to quote auto insurance with both so you have a total pricing picture. There are still a few companies who may not provide online rate quotes and most of the time these regional insurance providers work with independent agents.

As you go through the steps to switch your coverage, it’s not a good idea to skimp on coverage in order to save money. There have been many situations where an insured dropped physical damage coverage and discovered at claim time that it was a big mistake. Your strategy should be to buy enough coverage at the best price.

In this article, we presented quite a bit of information on how to lower your 2001 Ford Taurus insurance premium rates. The key concept to understand is the more price quotes you have, the better likelihood of getting cheaper auto insurance. You may be surprised to find that the biggest savings come from the least-expected company.

Additional information is located at the links below

• Prepare your Teens for Safe Driving (InsureUonline.org)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• Safety Belts FAQ (iihs.org)
• Child Safety FAQ (iihs.org)
• What is Covered by GAP Insurance? (Allstate)

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