2016 Ford Taurus Car Insurance Quotes in 2024 – 7 Tips to Save

Overpriced Ford Taurus insurance can bleed your personal savings and force you to make tough financial choices. Doing a price comparison can save money and help to make sure you’re not throwing money away.

Many car insurance companies compete for your business, so it’s not easy to compare every insurance company to discover the definitive lowest price

If you are insured now or are shopping for new coverage, you can use these tips to cut your premiums while maximizing coverage. Buying car insurance is not that difficult. Drivers just need to learn the best way to shop online.

Free insurance price quotes

Comparing insurance rates can take hours if you aren’t aware of the most efficient way to do it. You could spend the better part of a day discussing policy coverages with local insurance agents in your area, or you could save time and use online quotes to get rates in a matter of minutes.

Most major companies participate in a marketplace where insurance shoppers enter their policy data once, and at least one company can give them a price determined by their information. This eliminates the need for repetitive form submissions for each company.

To find out how much you can save on insurance enter your zip code here.

The one downside to pricing coverage this way is you are unable to specify which insurance companies to get quotes from. If you wish to select from a list of companies to compare, we put together a list of low cost insurance companies in your area. Click to enter zip code.

The method you choose is up to you, but make sure you use the exact same coverage limits and deductibles on every quote. If your comparisons have unequal deductibles or liability limits it’s impossible to truly determine the lowest rate.

Are you earning every discount?

Companies that sell car insurance don’t always publicize their entire list of discounts very clearly, so the next list breaks down a few of the more well known and also the more inconspicuous credits that you can use to lower your rates.

• Government Employees – Active or retired federal employment could qualify for a slight premium decrease on Taurus insurance with select insurance companies.
• Home Ownership Discount – Being a homeowner can earn you a little savings since owning and maintaining a home is proof of financial responsibility.
• ABS and Traction Control Discounts – Vehicles that have anti-lock braking systems can avoid accidents and earn discounts up to 10%.
• Pay Now and Pay Less – By making one initial payment rather than paying monthly you could save 5% or more.
• Seat Belt Discounts – Requiring all passengers to fasten their seat belts can save a little off the PIP or medical payment premium.
• Discount for Passive Restraints – Vehicles equipped with air bags or motorized seat belts can get savings of 20 to 30 percent.
• Policy Bundle Discount – If you insure your home and vehicles with the same company they may give you a discount of at least 10% off all policies.

As is typical with insurance, most discounts do not apply to your bottom line cost. A few only apply to specific coverage prices like medical payments or collision. Just because it seems like it’s possible to get free car insurance, it just doesn’t work that way.

Companies and some of the discounts include:

• Farmers Insurance offers discounts for pay in full, distant student, early shopping, multi-car, good student, youthful driver, and switch companies.
• Esurance has discounts for claim free, Pac-12 alumni, online quote, safety device, anti-lock brakes, and multi-car.
• State Farm offers discounts including accident-free, good student, anti-theft, good driver, passive restraint, and driver’s education.
• GEICO discounts include driver training, membership and employees, air bags, emergency military deployment, defensive driver, military active duty, and multi-vehicle.
• Allstate may offer discounts for FullPay discount, passive restraint, teenSMART discount, eSmart discount, anti-lock brakes, premier plus, and resident student.

When getting free auto insurance quotes, it’s a good idea to every company which discounts you qualify for. Savings may not apply to policyholders in your area. To find companies that provide some of the discounts listed above, enter your zip code here.

When in doubt talk to an agent

When choosing proper insurance coverage, there isn’t really a single plan that fits everyone. Every situation is different so your insurance should reflect that For instance, these questions may help you determine whether you might need professional guidance.

• Am I covered if I wreck a rental car?
• Who is covered by my policy?
• Can my teen drive my company car?
• Should I have a commercial auto policy?
• Should I buy additional glass protection?
• Do I need more liability coverage?
• When should I drop full coverage on my 2016 Ford Taurus?
• Am I covered when driving on a suspended license?
• Can I make deliveries for my home business?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete your zip code. It’s fast, free and you can get the answers you need.

Specific coverages for a 2016 Ford Taurus

Learning about specific coverages of your insurance policy helps when choosing appropriate coverage for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement. Below you’ll find the normal coverages available from insurance companies.

Liability coverages

This coverage provides protection from damage that occurs to a person or their property. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims such as emergency aid, repair bills for other people’s vehicles, medical services, bail bonds and medical expenses. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as hitting a parking meter, hitting a mailbox, crashing into a ditch and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also bump up the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and also any damage incurred to your 2016 Ford Taurus.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive auto coverage

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, rock chips in glass, hail damage and damage from flooding. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like dental work, nursing services, chiropractic care and doctor visits. They are often used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Save for a rainy day

You just read quite a bit of information on how to lower your 2016 Ford Taurus insurance prices. The key concept to understand is the more rate quotes you have, the higher your chance of finding cheaper auto insurance. You may even discover the best prices are with a small local company. Smaller companies can often provide lower rates in certain areas than the large multi-state companies such as Allstate or State Farm.

A few companies may not offer internet price quotes and most of the time these smaller providers prefer to sell through independent insurance agents. Budget-conscious 2016 Ford Taurus insurance can be bought on the web as well as from insurance agents, and you should compare price quotes from both in order to have the best chance of saving money.

When getting auto insurance quotes online, you should never reduce needed coverages to save money. There have been many situations where an accident victim reduced full coverage and found out when filing a claim that the few dollars in savings costed them thousands. Your strategy should be to buy enough coverage at a price you can afford while not skimping on critical coverages.