Scraping up a payment for expensive Ford Taurus insurance can deplete your savings account and force you to cut corners elsewhere. Doing a price comparison is an excellent way to make ends meet.
Lots of insurers contend for your hard-earned dollar, and it can be difficult to compare rates to find the absolute lowest rate possible.
All major insurance companies give price estimates direct online. Getting online rates is quite easy because you just enter your coverage preferences into the quote form. When the form is submitted, the system orders credit information and your driving record and generates a price. Being able to quote online makes it easy to compare insurance prices but the process of having to visit a lot of sites and enter the same data into a form is repetitive and time-consuming. But it’s absolutely necessary to get many rate quotes in order to find a lower rate.
A quicker way to compare insurance pricing requires only one form that obtains quotes from several different companies. It saves time, requires less work, and makes price shopping online a little more enjoyable. After sending your information, it gets priced and you are able to buy any one of the quotes returned.
If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase coverage. It takes less than 15 minutes and could lower your rates considerably.
To fill out one form to compare multiple rates now, click here to open in a new tab and enter your information. If you have coverage now, it’s recommended you complete the form with the insurance coverages as close as possible to your current policy. This ensures you will have a rate comparison based on identical coverages.
Buying car insurance is not cheap, but companies offer discounts to help bring down the price. Many discounts should be triggered when you complete an application, but some need to be manually applied before they will apply. If they aren’t giving you every credit you qualify for, you are just wasting money.
Don’t be surprised that some credits don’t apply the the whole policy. Some only apply to the price of certain insurance coverages like liability and collision coverage. So even though you would think all those discounts means the company will pay you, it just doesn’t work that way.
A list of companies and a selection of discounts can be read below.
When getting a coverage quote, ask each insurance company what discounts are available to you. Some discounts listed above might not be offered in your area. To view companies offering car insurance discounts, follow this link.
When choosing coverage for your personal vehicles, there really is no cookie cutter policy. Every insured’s situation is different so your insurance needs to address that. For example, these questions might point out whether or not you will benefit from professional help.
If you’re not sure about those questions then you might want to talk to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.
Learning about specific coverages of your policy helps when choosing the best coverages and the correct deductibles and limits. Insurance terms can be confusing and even agents have difficulty translating policy wording. Below you’ll find the usual coverages available from insurance companies.
Comprehensive auto coverage
This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage pays for things like rock chips in glass, vandalism and hitting a deer. The maximum payout your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.
Collision coverage protection
This coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.
Collision insurance covers claims like sustaining damage from a pot hole, hitting a parking meter and crashing into a building. Collision is rather expensive coverage, so consider dropping it from older vehicles. Another option is to increase the deductible to bring the cost down.
Medical payments and PIP coverage
Coverage for medical payments and/or PIP provide coverage for immediate expenses like funeral costs, EMT expenses, doctor visits and X-ray expenses. They are used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage
Coverage for liability
Liability insurance protects you from damage or injury you incur to other people or property. This coverage protects you against other people’s claims. It does not cover your own vehicle damage or injuries.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.
Liability coverage protects against claims like pain and suffering, structural damage, medical services, attorney fees and loss of income. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.
UM/UIM (Uninsured/Underinsured Motorist) coverage
This coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and damage to your Ford Taurus.
Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Normally these coverages are set the same as your liablity limits.