Looking for cheaper insurance coverage rates for your Ford Taurus? No one loves paying for insurance coverage, especially knowing the price is too high.
Companies like Progressive, State Farm and GEICO all promote huge savings with ad campaigns and it is challenging if not impossible to not get sucked in by the cute commercials and effectively compare rates to find the best deal.
The fastest way that we advise to compare car insurance rates is to take advantage of the fact most of the bigger providers will pay a fee to provide you with a free rate quote. All consumers are required to do is spend a couple of minutes providing details including whether the vehicles are used for commuting, whether or not you need a SR-22, if the vehicle is leased, and your occupation. Your rating data is automatically sent to many different companies and you get price estimates within a short period of time.
To compare rates for your car now, click here and find out if you can get cheaper insurance.
When choosing the right insurance coverage, there is no “best” method to buy coverage. Everyone’s situation is unique so this has to be addressed. Here are some questions about coverages that may help highlight if your insurance needs might need an agent’s assistance.
If you can’t answer these questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies.
Learning about specific coverages of insurance can be of help when determining the right coverages for your vehicles. Insurance terms can be confusing and even agents have difficulty translating policy wording. These are the usual coverages found on most insurance policies.
Comprehensive (Other than Collision)
Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage pays for claims like a broken windshield, damage from a tornado or hurricane and theft. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage pays for claims such as damaging your car on a curb, colliding with a tree, driving through your garage door, hitting a parking meter and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to save money on collision insurance.
Liability insurance protects you from damage or injury you incur to people or other property by causing an accident. This coverage protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.
Liability can pay for claims such as pain and suffering, repair bills for other people’s vehicles and court costs. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.
Protection from uninsured/underinsured drivers
Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. 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 purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.
Medical expense insurance
Medical payments and Personal Injury Protection insurance pay for bills such as funeral costs, nursing services, dental work and ambulance fees. They are utilized in addition to your health insurance program or if you are not covered by health insurance. They cover both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage