Did you come to the realization that you have high-priced insurance? Believe me, there are many drivers thinking the same thing. You have multiple car insurance companies to choose from, and although it’s nice to have a choice, more options can take longer to compare rates and cut insurance costs.
You need to do price comparisons on a regular basis because prices are adjusted regularly by insurance companies. Even if you think you had the lowest rates for Taurus insurance a couple years back you can probably find a lower rate today. Block out anything you think you know about insurance because I’m going to teach you one of the best ways to find lower rates on insurance.
There are a lot of ways to compare insurance prices and some are less time-consuming than others. You could waste a few hours talking to local insurance agents in your area, or you can stay home and use the web to accomplish the same thing much quicker.
Many insurance companies take part in a program where insurance shoppers send in one quote, and each company then returns a price quote for coverage. This prevents consumers from doing quote requests to every company.
To compare rates now click here to start a free quote.
The one downside to using this type of system is you don’t know exactly the insurers to get pricing from. If you would rather choose specific insurance companies for rate comparison, we have a page of low cost insurance companies in your area. Click here to view list.
The method you choose is up to you, but double check that you are using the exact same coverage information with every price quote. If you compare different data then you won’t be able to get a fair rate comparison.
Auto insurance companies don’t necessarily list all available discounts very clearly, so we took the time to find both well-publicized as well as some of the hidden insurance savings.
You should keep in mind that most of the big mark downs will not be given the the whole policy. Most cut the price of certain insurance coverages like comprehensive or collision. Just because it seems like all the discounts add up to a free policy, it doesn’t quite work that way.
To see insurers that provide some of the discounts listed above, click this link.
When it comes to choosing the right insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions can help discover if your insurance needs might need an agent’s assistance.
If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance coverage companies in your area. It’s fast, free and can help protect your family.
Learning about specific coverages of a car insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. These are typical coverage types offered by car insurance companies.
Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers things like damage from getting keyed, hitting a deer and rock chips in glass. The most a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Liability insurance can cover damage or injury you incur to people or other property in an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.
Liability coverage pays for things like attorney fees, legal defense fees and court costs. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.
Collision coverage will pay to fix damage to your Taurus from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage pays for claims like sideswiping another vehicle, driving through your garage door, colliding with a tree and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.
Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Ford Taurus.
Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Frequently these coverages do not exceed the liability coverage limits.
Coverage for medical payments and/or PIP reimburse you for bills such as X-ray expenses, hospital visits, surgery, nursing services and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available and may carry a deductible