Ford Ford Taurus Insurance Rates
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UPDATED: May 12, 2022
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Finding affordable auto insurance is hard for consumers new to comparing rates online. You have so many companies to choose from that it can turn into a ton of work to find the best price.
Pay less by taking advantage of discounts
Car insurance companies do not advertise all their discounts very well, so we researched some of the more common and the harder-to-find savings tricks you should be using.
- Air Bag Discount – Vehicles equipped with air bags or motorized seat belts can receive discounts up to 30%.
- Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts can save up to 15% off your medical payments premium.
- Theft Prevention System – Vehicles with anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
- Multi-car Discount – Having more than one vehicle with the same company qualifies for this discount.
- Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
- Senior Discount – If you qualify as a senior citizen, you may be able to get a small decrease in premiums on Taurus coverage.
Drivers should understand that most discounts do not apply the whole policy. Most cut individual premiums such as comp or med pay. Just because it seems like you can get free auto insurance, you’re out of luck.
A partial list of companies that possibly offer these benefits may include but are not limited to:
Check with each insurance company what discounts are available to you. All car insurance discounts might not apply in your state.
Compare Insurance Today
There are several ways you can shop for Ford Taurus insurance but one way is more efficient than others. You can spend countless hours driving to insurance companies in your area, or you can utilize online quoting to get the quickest rates.
Most of the larger companies participate in a marketplace where prospective buyers submit one quote, and each company returns a competitive quote based on the submitted data. This eliminates the need for form submissions to each individual insurance company.
To access this free quoting program, click here (opens in new window).
The single downside to using this type of system is buyers cannot specifically choose the companies you want to price. If you prefer to choose from a list of companies to receive pricing from, we have a page of companies who write insurance in your area. Click to view list.
Whichever way you use, compare apples-to-apples coverage limits on every quote. If you are comparing different limits and deductibles on each one you will not be able to determine the best price for your Ford Taurus. Slightly different limits may result in a large different in cost. And when price shopping your coverage, getting more free quotes provides better odds of finding lower pricing.
Your coverage should be tailored to you
When it comes to buying the right insurance coverage, there is no single plan that fits everyone. Everyone’s needs are different.
Here are some questions about coverages that can aid in determining whether you might need an agent’s assistance.
- Should I buy only the required minimum liability coverage?
- Am I covered when driving someone else’s vehicle?
- What if I don’t agree with a claim settlement offer?
- Am I covered if hit by an uninsured driver?
- Which is better, split liability limits or combined limits?
- Should I sign the liability waiver when renting a car?
- Will I lose any money if I cancel my policy before it expires?
- When can my company non-renew my policy?
- What companies insure drivers after a DUI or DWI?
If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, complete this form.
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Specific coverage details
Learning about specific coverages of your policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.
Liability coverage will cover damages or injuries you inflict on people or other property. This coverage protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.
Liability insurance covers things such as emergency aid, loss of income and pain and suffering. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.
Coverage for collisions
Collision insurance will pay to fix damage to your Taurus resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for claims such as damaging your car on a curb, crashing into a ditch, colliding with a tree and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.
This 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 things like hail damage, damage from getting keyed, a tree branch falling on your vehicle, damage from flooding and theft. The most you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Coverage for uninsured or underinsured drivers
Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Ford Taurus.
Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.
Coverage for medical expenses
Coverage for medical payments and/or PIP provide coverage for bills such as chiropractic care, dental work, hospital visits, rehabilitation expenses and EMT expenses. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants and also covers getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay
Stretch your dollar
Discount 2007 Ford Taurus insurance can be bought online and with local insurance agents, and you need to price shop both to get a complete price analysis. Some insurance companies do not offer the ability to get a quote online and these regional insurance providers work with independent agents.
We just covered many ways to reduce insurance prices online. It’s most important to understand that the more companies you get rates for, the better your comparison will be. Drivers may discover the most savings is with a lesser-known regional company.
People leave their current company for many reasons like an unsatisfactory settlement offer, delays in paying claims, poor customer service or even policy cancellation. It doesn’t matter what your reason, finding a new car insurance company is pretty easy and you might even save some money in the process.
More detailed car insurance information is located by following these links:
- What to do at the Scene of an Accident (Insurance Information Insitute)
- Tools for Teen Driving Safety (State Farm)
- Teen Driving Statistics (GEICO)
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)
- Winter Driving (Insurance Information Insitute)
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