View 1998 Ford Taurus Insurance Quotes

Want better car insurance rates? Drivers have many options when trying to find the lowest priced Ford Taurus insurance. They can either spend hours calling around getting price quotes or utilize the internet to compare rates.

There is a right way and a wrong way to shop for car insurance and you need to know the proper way to get price quotes on a Ford and obtain the lowest price.

Don’t miss out on these money-saving discounts

Insuring your vehicles can cost a lot, but there are discounts available that can drop the cost substantially. Some trigger automatically at the time you complete a quote, but some may not be applied and must be asked for in order for you to get them. If you aren’t receiving every discount available, you’re paying more than you need to.

  • Anti-theft Discount – Anti-theft and alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • Good Students Pay Less – This discount can be rewarded with saving of up to 25%. This discount can apply until age 25.
  • One Accident Forgiven – Certain companies allow you one accident before your rates go up so long as you haven’t had any claims for a set time period.
  • Employee of Federal Government – Simply working for the federal government can earn a discount up to 10% on Taurus insurance with select insurance companies.
  • Bundle and Save – When you have multiple policies with one company you may earn approximately 10% to 15%.
  • Defensive Driving Course – Taking a course in driver safety could possibly earn you a 5% discount if your company offers it.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Ford could be rewarded with better rates on cars that stay parked.

It’s important to note that most of the big mark downs will not be given to the entire policy premium. A few only apply to the cost of specific coverages such as comp or med pay. Just because it seems like you would end up receiving a 100% discount, auto insurance companies aren’t that generous. But all discounts will bring down the cost of coverage.

Car insurance companies that may have these benefits are:

Check with every prospective company how you can save money. Some discounts may not be available in your area.

Do I need special coverages?

When buying the right insurance coverage, there isn’t really a “best” method to buy coverage. Every situation is different.

Here are some questions about coverages that can aid in determining whether your personal situation may require specific advice.

  • When would I need rental car insurance?
  • When would I need additional glass coverage?
  • Will filing a claim cost me more?
  • Can my teen driver be rated on a liability-only vehicle?
  • Is business equipment covered while in my vehicle?
  • Do I need higher collision deductibles?
  • Can I get a multi-policy discount?

If it’s difficult to answer those questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and you can get the answers you need.

Advertising myths

Consumers can’t ignore all the ads for car insurance savings by State Farm, Allstate and Geico. They all seem to have a common claim of big savings if you move to their company.

How can each company make the same claim? It’s all in the numbers.

All the different companies have a certain “appetite” for the type of driver that is profitable for them. For example, a profitable customer might be over the age of 40, has no tickets, and drives newer vehicles. Any new insured who fits that profile will get the preferred rates and as a result will probably save a lot of money.

Drivers who don’t qualify for the “perfect” profile must pay a higher premium which leads to the customer not buying. The ads say “people who switch” not “everyone that quotes” save that much. That’s the way insurance companies can confidently make the claims of big savings.

This illustrates why you need to get quotes from several different companies. Because you never know which insurance companies will fit your personal profile best.

Auto insurance coverages

Knowing the specifics of your policy can be of help when determining which coverages you need and proper limits and deductibles. Car insurance terms can be confusing and coverage can change by endorsement.

Auto liability insurance – Liability coverage can cover damage or injury you incur to other’s property or people by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like bail bonds, court costs, medical services, legal defense fees and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Collision coverages – Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as hitting a mailbox, crashing into a building, sideswiping another vehicle, backing into a parked car and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive car insurance – This coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like damage from flooding, rock chips in glass, a tree branch falling on your vehicle and damage from a tornado or hurricane. The maximum amount your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as rehabilitation expenses, dental work, ambulance fees, chiropractic care and funeral costs. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. It covers both the driver and occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states and may carry a deductible

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Ford Taurus.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Usually these limits are set the same as your liablity limits.

Stretch your dollar

Consumers leave their current company for a number of reasons such as unfair underwriting practices, not issuing a premium refund, policy cancellation or delays in paying claims. Regardless of your reason, finding a great new company can be pretty painless.

When shopping online for insurance coverage, make sure you don’t reduce coverage to reduce premium. Too many times, someone sacrificed full coverage and learned later that it was a big error on their part. Your aim should be to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

Low-cost 1998 Ford Taurus insurance is attainable on the web in addition to many insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance providers do not provide online quoting and usually these small, regional companies provide coverage only through local independent agents.

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