1993 Ford Taurus Insurance Rates – 8 Savings Tips

Searching for cheaper insurance rates for your Ford Taurus? No sane person enjoys paying for insurance, particularly when they could lower their rates if they shopped around.

There are many insurers to buy insurance from, and although it’s a good thing to be able to choose, more choices can make it harder to find the lowest cost provider.

How to compare free insurance coverage price quotes

There are multiple methods to shop for insurance coverage, but one way is more efficient than others. You can waste a lot of time driving to local insurance agents in your area, or you can stay home and use online quoting to get pricing more quickly.

Most car insurance companies enroll in a system where prospective buyers submit their information once, and each participating company then gives them pricing based on that data. This prevents consumers from doing form submissions for each company you want a rate for. To get comparison pricing now click here (opens in new window).

The single downside to using this type of form is buyers cannot specifically choose the insurers to get quotes from. If you would rather choose specific providers to compare, we have a listing of insurance coverage companies in your area. Click here to view list.

It’s up to you how you get prices quotes, just be certain you are entering the exact same quote data on every price quote you get. If you have mixed coverages it’s impossible to make an equal comparison. Just slight variations in insurance coverages may result in a large different in cost. And when comparison shopping, comparing a large number of companies increases your odds of finding a better price. Not every company provides quotes online, so you also need to get prices from them as well.

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Save with with these eight discounts

Some companies don’t necessarily list all possible discounts in an easy-to-find place, so the list below contains both the well known as well as some of the hidden discounts that you may qualify for.

• Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to use a seat belt can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
• Anti-lock Brakes – Cars, trucks, and SUVs equipped with ABS or steering control have fewer accidents so companies give up to a 10% discount.
• Sign Early and Save – Some insurance companies reward drivers for renewing your policy before your current policy expires. It could save around 10% when you buy auto insurance online.
• Senior Discount – If you qualify as a senior citizen, you can possibly qualify for lower premium rates on Taurus coverage.
• Resident Student – Children who live away from home at college and do not have a car may qualify for this discount.
• No Charge for an Accident – but some companies like Liberty Mutual, Allstate and State Farm allow you one accident without raising rates so long as you haven’t had any claims for a set time period.
• Paper-free Discount – A handful of larger companies will give you a small discount get auto insurance on your computer.
• Federal Employees – Being employed by or retired from a federal job can earn a discount up to 10% on Taurus coverage depending on your company.

As is typical with insurance, some of the credits will not apply to the overall cost of the policy. Most cut individual premiums such as comp or med pay. Despite the fact that it seems like all the discounts add up to a free policy, insurance companies aren’t that generous. Any amount of discount will lower the premium cost.

A few of the larger companies and their possible discounts include:

• Progressive offers discounts including continuous coverage, online quote discount, online signing, multi-policy, multi-vehicle, homeowner, and good student.
• Geico offers discounts for seat belt use, membership and employees, five-year accident-free, air bags, and anti-lock brakes.
• State Farm includes discounts for good driver, anti-theft, driver’s education, multiple autos, and good student.
• Esurance has discounts for online shopper, Pac-12 alumni, homeowner, good driver, multi-car, paid-in-full, and anti-theft.
• The Hartford offers premium reductions for good student, air bag, defensive driver, anti-theft, and vehicle fuel type.

If you want the cheapest auto insurance quotes, ask every insurance company which discounts you may be entitled to. Discounts may not be offered everywhere.

Your situation helps dictate your coverage

When choosing the right insurance coverage, there isn’t really a best way to insure your cars. Every insured’s situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine whether you might need an agent’s assistance.

• When should I not file a claim?
• Is rental equipment covered for theft or damage?
• Do I get a pro-rated refund if I cancel my policy early?
• Will my insurance pay for OEM parts?
• Which companies will insure high-risk drivers?
• Is my Ford Taurus covered if I use it for business?
• At what point should I drop full coverage?
• Is my ex-spouse still covered by my policy?
• What are the best liability limits?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.

Insurance coverage options for a 1993 Ford Taurus

Learning about specific coverages of your policy can be of help when determining which coverages you need for your vehicles. Insurance terms can be ambiguous and coverage can change by endorsement. Shown next are the usual coverages found on most insurance policies.

Comprehensive coverage

This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like a tree branch falling on your vehicle, hail damage and damage from flooding. The maximum payout your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability auto insurance

Liability insurance will cover injuries or damage you cause to a person or their property that is your fault. This coverage protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

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 limits of 50/100/50 which means a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things like loss of income, emergency aid, repair bills for other people’s vehicles, bail bonds and medical services. How much coverage you buy is your choice, but you should buy as much as you can afford.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as nursing services, EMT expenses and prosthetic devices. They are used in conjunction with a health insurance program or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage

This provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Ford Taurus.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Collision protection

This pays for damage to your Taurus caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as hitting a mailbox, damaging your car on a curb and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

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One last thing about your coverage

Some insurance providers may not provide the ability to get a quote online and usually these small, regional companies sell through local independent agents. Lower-priced 1993 Ford Taurus insurance is attainable on the web as well as from independent agents, and you should be comparing both to have the best selection.

Throughout this article, we presented some good ideas how you can shop for 1993 Ford Taurus insurance online. The key concept to understand is the more price quotes you have, the better likelihood of getting low cost auto insurance. You may even find the most savings is with the smaller companies. Some small companies may only write in your state and offer lower prices than their larger competitors like Allstate and Progressive.

More tips and info about car insurance can be read in these articles:

• Liability Insurance Coverage (Nationwide)
• Understanding Car Crashes Video (iihs.org)
• What is Covered by GAP Insurance? (Allstate)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Vehicle Insurance in the U.S. (Wikipedia)
• Determing Auto Insurance Rates (Geico)

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