2005 Ford Taurus Insurance Quotes – 8 Tips to Save

Looking for better insurance coverage rates? Shoppers have lots of choices when shopping for low-cost Ford Taurus insurance. You can either waste hours struggling with agents trying to get quotes or save time using the internet to compare rates.

There are both good and bad ways to compare insurance coverage rates and we’ll show you the best way to get price quotes on a Ford and locate the cheapest rates either online or from local insurance agents.

More discounts equal less premium

Insuring your fleet can be pricey, but you can get discounts that many people don’t even know exist. Certain discounts will be triggered automatically at the time you complete a quote, but some may not be applied and must be requested specifically before you get the savings. If you’re not getting every credit possible, you’re just leaving money on the table.

  • Government Employees – Simply working for the federal government may qualify you for a discount for Taurus coverage depending on your company.
  • Use Seat Belts – Buckling up and requiring all passengers to use their safety belts could save 15% off your medical payments premium.
  • New Car Discount – Insuring a new car can be considerably cheaper since new cars are generally safer.
  • Claim Free – Drivers who don’t have accidents pay less compared to accident-prone drivers.
  • Multi-car Discount – Buying insurance for more than one vehicle on one policy could earn a price break for each car.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles prevent accidents and will save you 10% or more.
  • Safe Drivers – Safe drivers can pay as much as 50% less for Taurus coverage than drivers with accident claims.
  • Club Memberships – Belonging to a professional or civic organization may earn a discount when shopping for insurance coverage for Taurus coverage.

As a disclaimer on discounts, many deductions do not apply to the entire policy premium. Most only reduce individual premiums such as comprehensive or collision. Just because it seems like you could get a free insurance coverage policy, you’re out of luck. But all discounts will cut your overall premium however.

For a list of insurers who offer insurance coverage discounts, click here to view.

The quickest method we recommend to compare car insurance rates takes advantage of the fact all the major auto insurance companies will pay a fee to give free rates quotes. The only thing you need to do is give the companies some data like your general credit rating, driver details, how much education you have, and marital status. Your insurance information gets sent immediately to many highly-rated insurers and they return rate quotes instantly to find the best rate.

To compare rates now, click here and see if a lower rate is available.

It’s not one size fits all

When choosing coverage, there isn’t really a single plan that fits everyone. Every insured’s situation is different.

For instance, these questions might help in determining whether your personal situation could use an agent’s help.

  • What is the ISO rating for a 2005 Ford Taurus?
  • Is a blown tire covered by insurance?
  • Am I covered when delivering products for my home-based business?
  • Am I covered if I crash into my own garage door?
  • How much can I save by bundling my policies?
  • Which is better, split liability limits or combined limits?
  • Do I pay less if my vehicle is kept in my garage?
  • Am I covered if I break a side mirror?
  • How high should my medical payments coverage be?
  • Is my teen driver covered when they drive my company car?

If you can’t answer these questions but you know they apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and complete this form. It is quick, free and may give you better protection.

Auto insurance coverage information

Having a good grasp of insurance helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like hospital visits, dental work and funeral costs. They are utilized in addition to your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is very important. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Coverage for collisions

This covers damage to your Taurus from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims such as crashing into a ditch, sideswiping another vehicle and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive insurance

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as falling objects, vandalism, hitting a bird and fire damage. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Auto liability insurance

Liability coverage will cover damage that occurs to people or other property. This insurance protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Another option is one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability coverage pays for things like court costs, repair costs for stationary objects, pain and suffering, bail bonds and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford.

Keep this in mind

You just learned a lot of ways to reduce 2005 Ford Taurus insurance prices online. It’s most important to understand that the more companies you get rates for, the more likely it is that you will get a better rate. You may even find the lowest priced car insurance comes from the smaller companies.

As you go through the steps to switch your coverage, it’s very important that you do not buy less coverage just to save a little money. There have been many situations where drivers have reduced comprehensive coverage or liability limits and learned later that they should have had better coverage. Your goal should be to buy enough coverage at the best price.

Drivers leave their current company for a variety of reasons including lack of trust in their agent, denial of a claim, extreme rates for teen drivers or even not issuing a premium refund. Regardless of your reason for switching companies, finding the right car insurance provider is actually quite simple.

Additional information is available at the links below