1993 Ford Taurus Car Insurance Cost

Searching for cheaper insurance coverage rates for your Ford Taurus? Insurance shopping is not a process people relish, but it’s required in every state for any vehicle you drive.

It is always a good idea to take a look at other company’s rates before your policy renews due to the fact that insurance rates trend upward over time. Despite the fact that you may have had the best deal on Taurus insurance two years ago you will most likely find a better rate today. Block out anything you think you know about insurance coverage because I’m going to let you in on the secrets to one of the best ways to find better coverage at a better price.

Buying car insurance is not that difficult. If you have car insurance now, you will most likely be able to lower your premiums substantially using this information. Although car owners must comprehend the way insurance companies determine prices and apply this information to your search.

Ford Taurus insurance rates consist of many parts

It’s important that you understand the different types of things that help determine the rates you pay for car insurance. Having a good understanding of what influences your rates helps enable you to make changes that can help you get better car insurance rates.

The following are some of the items that factor into your rates.

  • Older drivers save more – Youthful drivers are known to be more careless behind the wheel so they pay higher car insurance rates. If you’ve ever had to add a youthful driver onto your car insurance can break the bank. Older drivers are viewed as being more responsible, tend to file fewer claims and get fewer tickets.
  • Careful drivers pay lower rates – Good drivers have lower premiums than their less careful counterparts. Only having one speeding ticket can increase rates twenty percent or more. If you have dangerous violations such as DWI, reckless driving or hit and run convictions may find they need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to prevent a license revocation.
  • Higher deductibles cost less – Physical damage insurance, termed comprehensive and collision coverage on your policy, protects your Ford from damage. Examples of covered claims could be collision with another vehicle, damage caused by hail, and windstorm damage. Deductibles for physical damage are the amount of money you are required to spend before a claim is paid by your company. The more expense you’re willing to pay, the less your company will charge you for insurance on Taurus insurance.
  • Pay less after the wedding – Having a spouse actually saves money on car insurance. Marriage is viewed as being more mature and statistics show being married results in fewer claims.
  • Males pay more for insurance – The statistics show that men are more aggressive behind the wheel. However, this does not mean women are better drivers. Both sexes are in accidents at about the same rate, but men have costlier accidents. Men also have more aggressive citations like DUI and reckless driving. Male drivers age 16 to 19 are most likely to cause an accident and are penalized with high car insurance rates.

Discounts can save BIG

Companies that sell car insurance do not advertise all available discounts in a way that’s easy to find, so here is a list both the well known and the harder-to-find discounts you could be receiving.

  • Discount for New Cars – Putting insurance coverage on a new car can save up to 30% compared to insuring an older model.
  • No Claims – Good drivers with no accidents pay much less when compared with bad drivers.
  • One Accident Forgiven – Certain companies will forgive one accident before hitting you with a surcharge if you are claim-free for a set time period.
  • Safe Drivers – Insureds without accidents can pay as much as 50% less on Taurus insurance than less cautious drivers.
  • Payment Method – By paying your policy upfront rather than paying monthly you could save up to 5%.
  • Senior Citizens – Older drivers can possibly qualify for better auto insurance rates on Taurus insurance.
  • Distant Student – Children who attend school more than 100 miles from home without a vehicle on campus can receive lower rates.
  • Multiple Vehicles – Having multiple vehicles on the same auto insurance policy qualifies for this discount.
  • Good Student – This discount can get you a discount of up to 25%. The discount lasts until age 25.
  • Driver’s Ed – Require your teen driver to complete a driver education course if it’s offered in school.

As a disclaimer on discounts, most credits do not apply to all coverage premiums. Some only apply to the cost of specific coverages such as liability and collision coverage. So when the math indicates adding up those discounts means a free policy, it just doesn’t work that way.

For a list of companies with discount auto insurance rates, follow this link.

Will just any policy work for me?

When it comes to choosing coverage for your vehicles, there isn’t really a cookie cutter policy. Everyone’s needs are different.

These are some specific questions may help you determine whether or not you may require specific advice.

  • Does my car insurance cover rental cars?
  • Can my teen drive my company car?
  • Does insurance cover tools stolen from my truck?
  • When would I need rental car insurance?
  • How can I get my company to pay me more for my totalled car?
  • What is UM/UIM insurance?
  • Is a blown tire covered by insurance?
  • Are my friends covered when driving my car?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you don’t have a local agent, take a second and complete this form.

Coverages available on your policy

Understanding the coverages of your insurance policy helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Comprehensive insurance – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as a tree branch falling on your vehicle, damage from getting keyed, vandalism and theft. The most you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your 1993 Ford Taurus.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Liability coverage – This coverage provides protection from injuries or damage you cause to other’s property or people. It protects YOU against other people’s claims. It does not 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 values of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims such as repair bills for other people’s vehicles, medical expenses and pain and suffering. How much liability coverage do you need? That is your choice, but consider buying as much as you can afford.

Collision – Collision insurance pays for damage to your Taurus resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like backing into a parked car, driving through your garage door and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like nursing services, rehabilitation expenses, dental work, chiropractic care and pain medications. They are used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Never pay more for less

Throughout this article, we presented some good ideas how to shop for 1993 Ford Taurus insurance online. The key thing to remember is the more times you quote, the higher the chance of saving money. Consumers could even find that the lowest rates come from the least-expected company.

Lower-priced insurance is attainable on the web as well as from independent agents, so compare prices from both to have the best chance of lowering rates. A few companies don’t offer you the ability to get quotes online and these small, regional companies work with independent agents.

When buying insurance coverage, it’s not a good idea to reduce needed coverages to save money. There are too many instances where an insured cut comprehensive coverage or liability limits only to discover later they didn’t purchase enough coverage. The aim is to buy enough coverage for the lowest price.

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