Ford Ford Taurus Insurance Rates
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UPDATED: Mar 18, 2020
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Trying to find lower car insurance rates for your Ford Taurus? Feel like you’re a prisoner to high-priced car insurance? Trust us when we tell you you’re not alone. Insurance companies such as Allstate, Liberty Mutual and State Farm continually hit you with TV and radio ads and consumers find it hard to not get sucked in by the cute commercials and take the time to shop coverage around.
If you have a current insurance policy or are looking for a new policy, you can follow these tips to cut your premiums and still get good coverage. Finding affordable coverage is quite easy. Vehicle owners just need to understand the most efficient way to get comparison quotes online.
Insurance Coverage Prices
Shopping for lower insurance coverage rates can be exhausting if you don’t know the most efficient way to do it. You could waste time talking about coverages with agents in your area, or you can utilize the web to quickly compare rates.
The majority of car insurance companies belong to an insurance system that allows shoppers to enter their coverage request one time, and at least one company returns a rated price based on that data. This prevents consumers from doing repetitive form submissions to each company.
To enter your information into the quoting system, click to open in new window.
One minor caviat to using this type of system is buyers cannot specifically choose the providers to get pricing from. If you wish to select specific insurance companies to compare prices, we have a page of insurance coverage companies in your area. View list of insurance companies.
It’s up to you which method you use, but ensure you are comparing apples-to-apples quote information for every company. If you enter different deductibles you can’t possibly truly determine the lowest rate.
Verify you’re getting all your discounts
Companies that sell car insurance don’t always list every available discount in an easy-to-find place, so the following is a list of both well-publicized and also the lesser-known savings tricks you should be using. If they aren’t giving you every credit possible, you’re just leaving money on the table.
- No Accidents – Claim-free drivers pay much less when compared with frequent claim filers.
- Safe Driver Discount – Safe drivers may save up to 50% more for Taurus insurance than their less cautious counterparts.
- Military Rewards – Having a deployed family member may qualify for rate reductions.
- Own a Home – Owning a home may trigger a insurance coverage policy discount due to the fact that maintaining a home demonstrates responsibility.
- Discount for Swiching Early – Some companies give discounts for switching to them prior to your current policy expiration. The savings is around 10%.
- Pay Upfront and Save – If you pay your bill all at once rather than paying monthly you could save 5% or more.
- Student in College – Any of your kids who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
- Discount for Life Insurance – Companies who offer life insurance give a break if you buy auto and life insurance together.
- Senior Citizens – Mature drivers may qualify for a small decrease in premiums for Taurus insurance.
It’s important to note that most discounts do not apply the whole policy. Some only reduce the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, you won’t be that lucky.
To see a list of insurers with the best insurance coverage discounts, click here.
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When should I talk to an agent?
When buying adequate coverage, there really is not a best way to insure your cars. Everyone’s situation is a little different and a cookie cutter policy won’t apply. Here are some questions about coverages that can aid in determining if your situation would benefit from professional advice.
- Am I covered if I break a side mirror?
- Can I rent a car in Mexico?
- Why am I required to buy liability insurance?
- Why am I required to get a high-risk car insurance policy?
- Is my nanny covered when driving my vehicle?
- I have a DUI can I still get coverage?
- Is my cargo covered for damage or theft?
If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.
Auto insurance coverage options for a Ford Taurus
Learning about specific coverages of auto insurance can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find the usual coverages offered by auto insurance companies.
Comprehensive coverages – This covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims such as rock chips in glass, damage from a tornado or hurricane, a broken windshield, hitting a deer and damage from getting keyed. The most your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Uninsured and underinsured coverage – This coverage gives you protection when the “other guys” either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Ford Taurus.
Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important.
Collision coverage – Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against claims like hitting a parking meter, sideswiping another vehicle, crashing into a building and hitting a mailbox. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.
Coverage for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like doctor visits, rehabilitation expenses, hospital visits, surgery and dental work. They can be used to fill the gap from your health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not universally available and may carry a deductible
Liability auto insurance – Liability coverage will cover damage that occurs to other’s property or people that is your fault. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.
Liability coverage protects against things like legal defense fees, repair bills for other people’s vehicles, medical services and structural damage. How much liability should you purchase? That is a decision to put some thought into, but buy higher limits if possible.
More comparisons equals lower rates
As you go through the steps to switch your coverage, it’s not a good idea to sacrifice coverage to reduce premiums. There are many occasions where an insured cut collision coverage only to regret that it was a big mistake. The proper strategy is to purchase a proper amount of coverage at the best price while still protecting your assets.
We just presented many ways to lower your 2015 Ford Taurus insurance rates. The most important thing to understand is the more times you quote, the higher the chance of saving money. Consumers could even find that the best price on insurance is with some of the smallest insurance companies. Regional companies may only write in your state and offer lower rates as compared to the big name companies such as GEICO and State Farm.
More detailed insurance information can be found at these sites:
- Side Impact Crash Tests (iihs.org)
- Comprehensive Coverage (Liberty Mutual)
- What are my Rights when Filing a Claim? (Insurance Information Insitute)
- Understanding your Policy (NAIC.org)
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