2013 Ford Taurus Insurance Rates

Comparing insurance coverage quotes online can be a challenge if you are like most people and have never completed rate quotes online. Don’t let that stop you because comparing rates is actually very simple.

How to get free insurance coverage quotes online

Many insurance companies make it easy to get prices for coverage directly from their websites. Comparing rates online is fairly simple because it’s just a matter of typing in your personal and coverage information into a form. After the form is submitted, the company’s rating system pulls credit information and your driving record and generates a price based on the data you entered.

This makes comparing rates easy, but the work required to visit several different sites and fill out multiple forms is a waste of time. But it’s absolutely necessary to compare as many rates as possible if you want to find lower prices.

Keep reading for an easier way to compare prices

A quicker way to compare insurance coverage pricing requires only one form to return rates from several companies at one time. It saves time, eliminates repetitive work, and makes online price comparison much more enjoyable. Immediately after you send the form, it gets priced and you are able to buy any of the pricing results.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase the new policy. The whole process takes just a few minutes to complete and can result in significant savings.

In order to find out how much you can save on insurance coverage, click here to open in a new tab and submit the form. To compare your current rates, we recommend you replicate coverages and limits as close as possible to your current policy. Using the same limits helps guarantee you will get an apples-to-apples comparison based on the exact same insurance coverage.

Auto insurance savings promises

Auto insurance companies such as State Farm and Allstate consistently run ads on television and other media. They all seem to have a common claim about savings if you switch your policy. How is it plausible that every one can offer drivers better rates?

Auto insurance companies require specific criteria for the right customer that earns them the highest profit. For instance, this type of risk profile may be a married male, has never had a claim, and insures a new vehicle. Any person that matches those criteria gets the lowest rates and will save when switching.

Potential customers who don’t meet these stringent criteria will see higher prices and this results in the customer not purchasing. If you listen to the ad wording, they say “drivers that switch” but not “all drivers who get quotes” save that kind of money. That’s the way insurance companies can state the savings.

This emphasizes why you absolutely need to get price quotes at each policy renewal. Because without a comparison, you cannot know which auto insurance company will give you the biggest savings.

Ford Taurus insurance rate factors

A large part of saving on auto insurance is knowing some of the elements that come into play when calculating the price you pay for auto insurance. If you understand what influences your rates, this enables you to make decisions that will entitle you to big savings.

The items below are a few of the “ingredients” that factor into rates.

  • Too many insurance claims and you’ll pay more – Insurance companies generally give the lowest premiums to policyholders who are claim-free. If you frequently file small claims, you can look forward to either policy cancellation or increased premiums. Your car insurance is intended for the bigger claims that can’t be paid out-of-pocket.
  • Rates and your address – Residing in smaller towns and rural areas of the country is a good thing when it comes to auto insurance. Fewer drivers corresponds to lower accident rates and also fewer theft and vandalism claims. People in densly populated areas have to deal with more road rage incidents and longer commutes to work. Higher commute times means higher likelihood of an accident.
  • If you don’t need it don’t buy it – There are many extra add-on coverages that you can get tricked into buying if you don’t pay attention. Coverages like vanishing deductibles, better glass coverage, and motor club memberships may be costing you every month. They may sound like good ideas initially, but your money might be better spent on other coverage so eliminate them to save money.
  • Cheaper rates with high physical damage deductibles – Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, protects your Ford from damage. Some examples of covered claims are a windshield shattered by a rock, damage caused by hail, and having your car stolen. Your deductibles define how much you are required to spend out-of-pocket if a claim is determined to be covered. The more damage repair cost you choose to pay out-of-pocket, the less your auto insurance will be for Taurus coverage.
  • Defend yourself with liability coverage – The liability coverage on your policy is the protection in the event that a court rules you are at fault for physical damage or personal injury to other. Liability insurance provides you with a defense in court starting from day one. Liability insurance is pretty cheap compared to other policy coverages, so drivers should make sure they buy enough to cover all assets.
  • Improve your credit history – Having a bad credit score factor in your rate calculation. Insureds with excellent credit scores tend to file fewer claims and have better driving records than those with lower credit scores. If your credit score can use some improvement, you could pay less to insure your 2013 Ford Taurus by taking the time to improve your credit score.

Discount auto insurance quotes

Car insurance companies do not advertise all available discounts very well, so we took the time to find both the well known and also the lesser-known credits that you can use to lower your rates.

  • Low Mileage Discounts – Fewer annual miles on your Ford could be rewarded with discounted rates on garaged vehicles.
  • Good Student Discount – A discount for being a good student may save as much as 25% on a insurance coverage quote. The discount lasts up until you turn 25.
  • Anti-theft System – Cars, trucks, and SUVs that have factory anti-theft systems are stolen with less frequency and will qualify for a discount on a insurance coverage quote.
  • Military Rewards – Having a family member in the military could trigger a small discount.
  • Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them sucessfully take a drivers education course as it will make them better drivers and lower rates.
  • Paperless Signup – Certain companies will provide an incentive just for signing your application on the web.

You can save money using discounts, but some credits don’t apply the the whole policy. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like it’s possible to get free car insurance, you won’t be that lucky.

If you would like to choose from a list of insurers who offer online auto insurance quotes, click here to view.

Tailor your insurance coverage to you

When buying the right insurance coverage for your vehicles, there is no best way to insure your cars. Every insured’s situation is different.

These are some specific questions can aid in determining if your situation may require specific advice.

  • Am I covered if my car is in a flood?
  • What are the best liability limits?
  • Can I still get insurance after a DUI?
  • Do I need rental car coverage?
  • How can I get my company to pay me more for my totalled car?
  • Is business property covered if stolen from my car?
  • Are my friends covered when driving my car?
  • I have health insurance so do I need medical payments coverage?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.

Auto insurance coverage options for a Ford Taurus

Knowing the specifics of your policy aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Comprehensive coverages

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hitting a deer, a broken windshield and rock chips in glass. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto liability insurance

Liability coverage will cover damages or injuries you inflict on other people or property by causing an accident. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

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 translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Another option is a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability insurance covers claims such as attorney fees, repair costs for stationary objects and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying higher limits if possible.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and also any damage incurred to your Ford Taurus.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Coverage for collisions

This coverage pays to fix your vehicle from damage resulting from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as colliding with another moving vehicle, sustaining damage from a pot hole and scraping a guard rail. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for bills for prosthetic devices, dental work, chiropractic care, doctor visits and ambulance fees. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Keep this in mind

Lower-priced auto insurance can be purchased online and from local insurance agents, and you need to price shop both so you have a total pricing picture. Some insurance companies do not offer online quoting and many times these small insurance companies sell through independent agencies.

Drivers change insurance companies for many reasons like high rates after DUI convictions, denial of a claim, lack of trust in their agent and even unfair underwriting practices. It doesn’t matter what your reason, choosing a new company is pretty easy and you might even save some money in the process.

We covered a lot of tips how to save on 2013 Ford Taurus insurance. The most important thing to understand is the more you quote insurance coverage, the better your comparison will be. Consumers may even find the lowest prices come from the least-expected company.

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