1996 Ford Taurus Insurance Cost – 10 Savings Tips

Do you get exhausted from sacrificing other expenses to buy insurance coverage? You have the same problem as the majority of other consumers.

Due to the fact that there are so many options, it can be impossible to choose a more affordable insurer.

The purpose of this post is to help you learn how car insurance quotes work. If you are paying for car insurance now, you will be able to cut costs considerably using these methods. But consumers should learn the way insurance companies sell online.

Earn discounts on auto insurance

Some providers do not list every available discount very clearly, so the list below contains a few of the more common and also the lesser-known credits that you can use to lower your rates. If you’re not getting every credit you deserve, you could be saving more on your auto insurance.

• Memberships – Joining qualifying clubs or civic groups may earn a discount on your next auto insurance statement.
• Seat Belt Usage – Forcing all vehicle occupants to buckle up may be able to save a few bucks on medical payment and PIP coverage.
• Anti-theft System – Cars equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and earn discounts up to 10% off your insurance quote.
• Renewal Discounts – Some auto insurance companies reward drivers for switching to them early. This can save 10% or more.
• Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems may qualify for discounts of 20 to 30 percent.
• No Claims – Insureds who avoid accidents and claims are rewarded with significantly better rates on insurance quote when compared to policyholders that have many claims.
• Discount for Good Grades – Excelling in school can get you a discount of up to 25%. This discount can apply up to age 25.
• Driver’s Ed – Require your teen driver to successfully complete driver’s ed class if offered at their school.
• Safe Driver Discounts – Drivers who avoid accidents may save up to 50% more on Taurus coverage compared to accident prone drivers.
• ABS Braking Discount – Vehicles with ABS and/or traction control can reduce accidents and qualify for as much as a 10% discount.

Policy discounts save money, but most of the big mark downs will not be given the the whole policy. A few only apply to the cost of specific coverages such as collision or personal injury protection. So even though it sounds like adding up those discounts means a free policy, it doesn’t quite work that way.

Large auto insurance companies and the discounts they provide are detailed below.

• AAA offers premium reductions for multi-car, AAA membership discount, multi-policy, good student, and pay-in-full.
• Progressive discounts include multi-vehicle, homeowner, good student, multi-policy, and continuous coverage.
• State Farm may have discounts that include passive restraint, good student, multiple policy, driver’s education, defensive driving training, accident-free, and student away at school.
• Esurance policyholders can earn discounts including Pac-12 alumni, DriveSense, online quote, claim free, and good student.
• Nationwide has savings for Farm Bureau membership, defensive driving, good student, family plan, easy pay, business or organization, and multi-policy.

If you need lower rates, check with each company or agent to apply every possible discount. Some credits may not be available in every state. To choose providers with discount rates, click here.

Tailor your car insurance coverage to you

When it comes to buying the best car insurance coverage, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance should reflect that For instance, these questions may help you determine whether your personal situation would benefit from professional advice.

• Do all my vehicles need collision coverage?
• How much liability do I need to cover my assets?
• If I drive on a suspended license am I covered?
• Am I covered when using my vehicle for business?
• What is roadside assistance coverage?
• Where can I find high-risk insurance?
• When do I need to add a new car to my policy?
• Do I really need UM/UIM coverage?
• Do I need added coverage for expensive stereo equipment?

If you’re not sure about those questions but you think they might apply to your situation 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.

Auto insurance policy coverages for a Ford Taurus

Knowing the specifics of your auto insurance policy can help you determine which coverages you need and proper limits and deductibles. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types offered by auto insurance companies.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for prosthetic devices, rehabilitation expenses, surgery and chiropractic care. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Collision protection

Collision coverage pays for damage to your Taurus resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as colliding with a tree, sustaining damage from a pot hole, backing into a parked car, crashing into a building and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Liability auto insurance

Liability insurance can cover damage or injury you incur to other’s property or people that is your fault. This insurance protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as bail bonds, medical services and structural damage. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Comprehensive protection

This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like rock chips in glass, fire damage and vandalism. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as damage to your Ford Taurus.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these limits are identical to your policy’s liability coverage.

Be a penny pincher

You just learned many tips how you can reduce 1996 Ford Taurus insurance rates online. The key concept to understand is the more price quotes you have, the higher your chance of finding low cost insurance. You may be surprised to find that the lowest rates come from a small mutual company. Smaller companies may often insure only within specific states and give getter rates than their larger competitors like Progressive and Geico.

Some companies may not have the ability to get quotes online and many times these smaller providers only sell through independent insurance agents. Discount 1996 Ford Taurus insurance can be found on the web as well as from independent agents, so you need to compare both to have the best selection.

Additional information is available at the links below

• What to do at the Scene of an Accident (Insurance Information Insitute)
• What Does No-Fault Insurance Cover? (Allstate)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Property Damage Coverage (Liberty Mutual)
• Teen Driving Statistics (Geico)