View 2012 Ford Taurus Car Insurance Quotes

Are you kicking yourself for buying an overpriced insurance coverage policy? Don’t feel bad because many consumers are in the same pinch.

Insurance companies such as Allstate, Progressive and GEICO all promote huge savings with ads and it can be hard to see past the geckos and flying pigs and do the work needed to find the best deal.

If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using these techniques. Finding the best rates is easy if you know what you’re doing. But consumers can benefit from knowing the methods companies use to compete online.

How to compare insurance coverage rate quotes

When shopping for insurance coverage there are multiple ways to compare rate quotes from local insurance coverage companies. The fastest way to find competitive 2012 Ford Taurus insurance rates is to get quotes online. This is quite simple and can be completed in a couple of different ways.

  • The simplest way to compare a lot of rates at once would be an industry-wide quote request form (click to open form in new window). This method saves time by eliminating separate forms to each individual insurance coverage company. Filling out one form gets coverage cost estimates instantly.
  • A less efficient way to find lower rates is to manually visit the website for each individual company to complete a price quote. For sake of this example, let’s say you want to compare Liberty Mutual, 21st Century and State Farm. To find out each rate you need to spend time going to each site individually to enter the same coverage data repeatedly, which can take a lot of time.

    For a list of links to insurance companies in your area, click here.

However you get your quotes, try to keep identical quote data on every quote you get. If each company quotes different limits and deductibles on each one it’s not possible to find the best deal for your Ford Taurus. Just a small difference in insurance coverages or limits could skew the results. And when quoting insurance coverage, remember that getting more free quotes will increase your chances of finding a lower rate than you’re paying now.

Do you qualify for discount car insurance?

Buying car insurance is not cheap, but there could be available discounts that could drop your premiums quite a bit. Some discounts will apply at quote time, but less common discounts must be inquired about prior to receiving the credit.

  • Professional Organizations – Having an affiliation with a civic or occupational organization is a simple method to lower premiums when shopping for car insurance.
  • Military Deployment Discount – Being deployed in the military could trigger a small discount.
  • No Claim Discounts – Insureds with no claims or accidents pay much less compared to frequent claim filers.
  • Safety Course Discount – Successfully completing a class that teaches defensive driving techniques could save 5% or more depending on where you live.
  • Government Employees – Being employed by or retired from a federal job can earn a discount up to 10% on Taurus coverage with some car insurance companies.
  • Life Insurance – Larger insurance carriers have a discounted premium rate on car insurance if you buy a life policy as well.
  • Homeowners Discount – Just owning your own home can save a few bucks because maintaining a house is proof that your finances are in order.
  • 55 and Retired – Drivers that qualify as senior citizens could receive a small decrease in premiums on Taurus coverage.
  • E-sign – Some of the larger companies provide a small discount for signing up on your computer.

Discounts save money, but please remember that most credits do not apply to the entire policy premium. Most only cut specific coverage prices like medical payments or collision. Even though the math looks like all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

If you would like to choose from a list of insurance companies with the best discounts, click here to view.

What insurance coverages do I need?

When choosing the right insurance coverage for your vehicles, there really is no perfect coverage plan. Every situation is different so this has to be addressed. These are some specific questions may help you determine if you would benefit from professional advice.

  • Does my policy cover me when driving someone else’s vehicle?
  • Is my ex-spouse still covered by my policy?
  • Am I covered when driving in Canada or Mexico?
  • If I drive on a suspended license am I covered?
  • Does my car insurance cover rental cars?
  • I don’t drive much so do I pay less?
  • Am I covered when pulling a rental trailer?
  • Do I have newly-aquired coverage?
  • Why am I required to buy high-risk coverage?
  • Should I have combined single limit or split liability limits?

If it’s difficult to answer those questions, you may need to chat with a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier

Car insurance 101

Understanding the coverages of your policy can be of help when determining the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverages available from insurance companies.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for expenses such as ambulance fees, doctor visits, rehabilitation expenses, nursing services and EMT expenses. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage

Collision insurance pays for damage to your Taurus resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as backing into a parked car, driving through your garage door and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

This gives you protection from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your 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. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Liability

Liability insurance can cover damage or injury you incur to a person or their property by causing an accident. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things like repair costs for stationary objects, structural damage, pain and suffering and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive insurance

This coverage pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like falling objects, rock chips in glass, damage from a tornado or hurricane, fire damage and a broken windshield. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.