2008 Ford Taurus Car Insurance Rates – 5 Ways to Save

Purchasing cheap insurance coverage online can seem to be difficult for consumers not familiar with online price comaprisons. With such a large number of companies in the marketplace, how can you effectively compare every one to find the best available price?

It’s smart to compare prices yearly due to the fact that insurance rates are usually higher with each renewal. Even if you think you had the best rates on Taurus coverage two years ago you may be paying too much now. Forget all the misinformation about insurance coverage because you’re about to find out how to quote online to properly buy coverages while reducing your premium.

Quick Car Insurance Quotes

There are a variety of methods to shop for 2008 Ford Taurus car insurance, but one way is less time-consuming than others. You can waste a lot of time discussing policy coverages with agents in your area, or you can utilize online quoting to get pricing more quickly.

Many popular insurance companies belong to an insurance system that allows shoppers to enter their policy data once, and each company then gives them pricing. This saves time by eliminating quote requests to every company.

To compare 2008 Ford Taurus rates using this form now click to open in new window.

The single downside to pricing coverage this way is that consumers can’t choose the providers you want pricing from. If you prefer to choose specific providers to compare rates, we have assembled a list of car insurance companies in your area. Click here to view list.

Whichever method you choose, make darn sure you compare apples-to-apples information with each company. If you enter higher or lower deductibles it’s not possible to truly determine the lowest rate. Just a small difference in coverage limits can mean a large discrepancy in price. And when quoting car insurance, remember that having more price comparisons provides better odds of finding a lower rate.

Be sure to get all your discounts

Insurance can be prohibitively expensive, but discounts can save money and there are some available that many people don’t even know exist. Some discounts apply automatically at the time you complete a quote, but some must be specially asked for in order for you to get them.

  • No Accidents – Claim-free drivers can save substantially compared to frequent claim filers.
  • Drive Safe and Save – Insureds without accidents can get discounts for up to 45% lower rates on Taurus coverage than their less cautious counterparts.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems can avoid accidents and will save you 10% or more.
  • Paperless Signup – A few companies will give a small break for buying a policy and signing up on their website.
  • Low Mileage Discounts – Low mileage vehicles could qualify for discounted rates on garaged vehicles.

Consumers should know that most credits do not apply to the entire policy premium. Some only apply to specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears it’s possible to get free car insurance, it doesn’t quite work that way. But any discount will bring down your overall premium however.

Companies that may have these money-saving discounts are:

Before buying, ask all companies you are considering how you can save money. Savings may not be available in every state.

How do I know if I need professional advice?

When it comes to choosing proper insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Each situation is unique.

For example, these questions might help in determining if your insurance needs might need an agent’s assistance.

  • When can I cancel my policy?
  • Should I buy additional glass protection?
  • Can I drive in Mexico and have coverage?
  • Can I afford to pay high deductible claims out of pocket?
  • Should I get collision insurance on every vehicle?
  • Am I covered if hit by an uninsured driver?
  • At what point should I drop full coverage?
  • Are my tools covered if they get stolen from my vehicle?
  • Do I have newly-aquired coverage?

If you can’t answer these questions, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete this short form.

Is there deception in advertising?

Progressive, Allstate and Geico consistently run ads in print and on television. All the companies say the same thing about savings if you change to them. How do they all claim to save you money?

All the different companies have a certain “appetite” for the type of driver that makes them money. For example, a profitable customer might be a mature driver, is a homeowner, and drives less than 10,000 miles a year. A propective insured that hits that “sweet spot” gets the lowest rates and therefore will save when switching.

Potential customers who don’t measure up to the “perfect” profile will be quoted a more expensive rate and ends up with the customer not buying. The ads state “customers that switch” not “everybody who quotes” save that much money. This is how companies can state the savings.

This emphasizes why drivers must get a wide range of price quotes. It’s not possible to predict which insurance coverage company will give you the biggest savings on Ford Taurus insurance.

Learn about car insurance coverages for a 2008 Ford Taurus

Learning about specific coverages of your policy can help you determine appropriate coverage for your vehicles. Car insurance terms can be ambiguous and coverage can change by endorsement.

Liability coverage – Liability insurance protects you from damage that occurs to other’s property or people. It protects YOU against claims from other people, and does not provide coverage for 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 limits of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things like attorney fees, medical expenses, medical services and bail bonds. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.

Medical costs insurance – Med pay and PIP coverage pay for expenses like hospital visits, chiropractic care, surgery and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Collision coverage – This coverage will pay to fix damage to your Taurus caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as crashing into a building, hitting a parking meter, colliding with a tree, colliding with another moving vehicle and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

UM/UIM Coverage – This gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your 2008 Ford Taurus.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these coverages are similar to your liability insurance amounts.

Comprehensive or Other Than Collision – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. 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, a broken windshield, a tree branch falling on your vehicle, damage from flooding and damage from getting keyed. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Never pay more for less

While you’re price shopping online, it’s a bad idea to reduce needed coverages to save money. In too many instances, someone dropped uninsured motorist or liability limits only to discover later that it was a big error on their part. Your goal should be to get the best coverage possible for the lowest price while not skimping on critical coverages.

Lower-priced 2008 Ford Taurus insurance can be purchased online and with local insurance agents, and you should be comparing both to have the best selection. There are still a few companies who do not offer the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

Consumers who switch companies do it for a variety of reasons including policy cancellation, denial of a claim, poor customer service or policy non-renewal. No matter why you want to switch, switching auto insurance companies is easier than you think.

Additional auto insurance information is located at the links below