View 1991 Ford Taurus Insurance Quotes

No one in their right mind enjoys paying for insurance coverage, especially when the price is too high. With consumers having so many options when it comes to insurance coverage, it can be hard to find the right insurer.

Buying car insurance is easy if you know what you’re doing. If you are insured now or need new coverage, you can use these tips to find better prices and still get good coverage. Vehicle owners just need to learn the best way to compare rates on the web.

Discounts on 1991 Ford Taurus insurance

Companies do not advertise all available discounts very well, so here is a list some of the more common and the harder-to-find ways to save on insurance coverage. If you don’t get every credit you deserve, you’re paying more than you need to.

  • Drive Less and Save – Driving fewer miles can qualify you for a substantially lower rate.
  • Distant Student – Kids in college who are attending college and don’t have a car may qualify for this discount.
  • Safe Driver Discount – Drivers who avoid accidents can pay as much as 50% less on Taurus coverage than less cautious drivers.
  • No Claims – Drivers who don’t have accidents can save substantially when compared to accident-prone drivers.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control prevent accidents and earn discounts up to 10%.
  • Multiple Cars – Buying coverage for all your vehicles on the same insurance coverage policy can get a discount on all vehicles.
  • Passive Restraint Discount – Factory air bags and/or automatic seat belt systems can qualify for discounts up to 30%.

It’s important to understand that some credits don’t apply to the entire cost. The majority will only reduce the price of certain insurance coverages like comp or med pay. So when it seems like adding up those discounts means a free policy, companies wouldn’t make money that way.

A partial list of companies that may offer these benefits are:

Check with each company which discounts they offer. All car insurance discounts may not apply in your state.

How to Get Car Insurance

All the larger car insurance companies allow you to get insurance quotes on the web. Obtaining pricing is quite simple as you simply type in your personal and coverage information into the quote form. After you submit the form their system sends out for your driving record and credit report and generates a price. This makes it a lot easier to compare rates but the time required to go to multiple sites and complete many quote forms can be a bit tiresome and repetitive. But it’s very important to get many rate quotes if you are searching for the lowest possible prices on car insurance.

Compare rates the easy way

A more efficient way to compare car insurance pricing uses one form to get prices from several different companies. It saves time, reduces the work, and makes online shopping much more efficient. After sending your information, your coverage is rated and you can select any or none of the quotes that you receive. If one or more price quotes are lower than your current rates, you simply finish the application and buy the policy. It can be completed in a matter of minutes and can result in significant savings.

To save time and find out what other companies charge, click here to open in a new tab and fill out the form. If you have your current policy handy, we recommend that you enter the coverage information just like they are on your policy. This guarantees you will get a fair comparison based on similar coverages.

Tailor your coverage to you

When it comes to choosing the right insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is unique and your policy should reflect that. For example, these questions may help you determine whether or not you would benefit from an agent’s advice.

  • Is my dog or cat covered if injured in an accident?
  • Am I covered when driving a rental car?
  • What happens if I owe more than my 1991 Ford Taurus is worth?
  • Should I have a commercial auto policy?
  • When should I drop full coverage on my 1991 Ford Taurus?
  • Does my personal policy cover me when driving out-of-state?
  • Should I sign the liability waiver when renting a car?
  • Does having multiple vehicles earn me a discount?
  • Do I need replacement cost coverage on my 1991 Ford Taurus?
  • Can I afford low physical damage deductibles?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.

Auto insurance policy coverages for a 1991 Ford Taurus

Understanding the coverages of a auto insurance policy can help you determine the right coverages and the correct deductibles and limits. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on the average auto insurance policy.

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as fire damage, rock chips in glass, vandalism, hitting a bird and a tree branch falling on your vehicle. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for collisions

This will pay to fix damage to your Taurus resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like sideswiping another vehicle, colliding with another moving vehicle, rolling your car and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Ford Taurus.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Medical expense insurance

Med pay and PIP coverage pay for bills for pain medications, rehabilitation expenses, nursing services, prosthetic devices and surgery. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and may carry a deductible

Auto liability insurance

Liability insurance provides protection from injuries or damage you cause to a person or their property. It protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage pays for claims such as attorney fees, repair costs for stationary objects, loss of income and bail bonds. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Spend less. Save more.

When trying to cut insurance costs, it’s not a good idea to buy lower coverage limits just to save a few bucks. There have been many situations where an insured cut collision coverage only to find out that they should have had better coverage. Your aim should be to buy the best coverage you can find at an affordable rate.

You just read quite a bit of information on how to lower your 1991 Ford Taurus insurance rates. The most important thing to understand is the more providers you compare, the higher the chance of saving money. Consumers may even find the lowest premiums are with the smaller companies. These companies often have lower prices on specific markets than their larger competitors like Progressive or Geico.

Much more information about auto insurance can be read below: