2009 Ford Taurus Insurance Rates

Average insurance rates for a 2009 Ford Taurus are $1,166 a year for full coverage insurance. Comprehensive costs approximately $218, collision insurance costs $316, and liability insurance costs $474. Buying a liability-only policy costs as little as $522 a year, and high-risk insurance costs around $2,510. Teen drivers receive the highest rates at up to $4,548 a year.

Annual premium for full coverage: $1,166

Rate estimates for 2009 Ford Taurus Insurance

Rate data is compiled from all 50 U.S. states and averaged for all 2009 Ford Taurus models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

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These differences illustrate why anyone shopping for car insurance should compare rates using their specific location and risk profile, rather than relying on price averages.

Use the form below to get rates for your location.

Looking for the cheapest insurance coverage rates for your Ford Taurus? Finding the cheapest insurance for a Ford Taurus can be a lot of work, but you can follow these tips to save time.

There is a right way and a wrong way to find insurance coverage online and we’ll show you the best way to price shop coverage for a Ford and get the best price possible.

Take advantage of discounts

Insurance can be prohibitively expensive, but there could be available discounts to help offset the cost. Certain discounts will be triggered automatically at the time of purchase, but less common discounts must be specifically requested before you will receive the discount. If you’re not getting every credit available, you’re just leaving money on the table.

• Lower Rates for Military – Having a family member in the military may qualify for rate reductions.
• Early Switch Discount – Some companies give discounts for signing up before your current policy expires. It’s a savings of about 10%.
• Student Driver Training – Cut your cost by having your teen driver enroll in driver’s education if it’s offered in school.
• Auto/Home Discount – When you have multiple policies with one company you may earn up to 20% off your total premium.
• Multi-car Discount – Insuring more than one vehicle on the same insurance policy can get a discount on all vehicles.
• Anti-theft System – Cars that have factory anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
• Safe Drivers – Safe drivers can get discounts for up to 45% lower rates for Taurus insurance than drivers with accidents.
• Homeowners Discount – Owning a home can help you save on insurance because maintaining a house demonstrates responsibility.
• Federal Employees – Active or retired federal employment could cut as much as 10% off for Taurus insurance with select insurance companies.

It’s important to understand that some of the credits will not apply to all coverage premiums. Some only reduce individual premiums such as liability, collision or medical payments. Just because it seems like you would end up receiving a 100% discount, it just doesn’t work that way. Any qualifying discounts will cut the amount you have to pay.

A partial list of companies that may have some of the above discounts are:

• Esurance
• The Hartford
• AAA
• GEICO
• State Farm

Check with each insurance company what discounts are available to you. Some discounts might not be offered in your area.

How to Compare Car Insurance Quotes

Lowering your 2009 Ford Taurus car insurance rates can be relatively painless. Just take a few minutes comparing rates online with multiple companies. This is very easy and can be done using a couple different methods.

1. The first (and easiest) way consumers can analyze rates is a comparison rater form (click to open form in new window). This type of form saves time by eliminating separate quotation requests for each company. Filling out one form will get you rate comparisons direct from many companies. Just one form and you’re done.
2. A less efficient way to compare prices requires a trip to each company website to request a price quote. For examples sake, let’s assume you want to compare Allstate, 21st Century and Progressive. To find out each rate you need to visit each site to input your insurance information, which is why most consumers use the first method. To view a list of companies in your area, click here.

It’s up to you which method you use, but make darn sure you compare the exact same coverages on every quote. If each company quotes unequal deductibles or liability limits it’s impossible to determine the best price for your Ford Taurus.

How to know if you need help

When it comes to choosing the best auto insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Each situation is unique.

These are some specific questions can aid in determining if you will benefit from professional help.

• Is business property covered if stolen from my car?
• What happens if I owe more than my 2009 Ford Taurus is worth?
• What discounts do I qualify for?
• What vehicles should carry emergency assistance coverage?
• Which is better, split liability limits or combined limits?
• How much liability insurance is required?
• Can I get a multi-policy discount?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and can provide invaluable advice.

Parts of your auto insurance policy

Knowing the specifics of your auto insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement.

Comprehensive auto insurance – This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, theft, damage from getting keyed, hail damage and fire damage. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance reimburse you for bills for things like surgery, nursing services, doctor visits, chiropractic care and rehabilitation expenses. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Collision coverage – Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things like crashing into a building, crashing into a ditch, hitting a mailbox and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to bring the cost down.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Ford Taurus.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Liability – Liability insurance will cover injuries or damage you cause to people or other property in an accident. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as repair costs for stationary objects, attorney fees, structural damage, repair bills for other people’s vehicles and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but buy higher limits if possible.

A tidy conclusion

Cheaper 2009 Ford Taurus insurance can be bought on the web and with local insurance agents, and you need to price shop both in order to have the best price selection to choose from. There are still a few companies who do not offer you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

As you prepare to switch companies, it’s a bad idea to reduce needed coverages to save money. In many instances, consumers will sacrifice uninsured motorist or liability limits and found out when filing a claim that the few dollars in savings costed them thousands. Your strategy should be to buy the best coverage you can find at an affordable rate.

In this article, we covered many ideas to save on insurance. The key concept to understand is the more rate comparisons you have, the better your comparison will be. Consumers may even find the lowest premiums are with a company that doesn’t do a lot of advertising.

More detailed insurance coverage information can be read in these articles:

• Auto Insurance Learning Center (State Farm)
• Medical Payments Coverage (Liberty Mutual)
• Determing Auto Insurance Rates (GEICO)
• What is Full Coverage? (Allstate)
• Steps to Take After an Auto Accident (Insurance Information Insitute)

Use our FREE quote tool to compare rates now!