2019 Ford Taurus Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 15, 2024

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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Are you overwhelmed by the wide range of insurance companies? There are so many companies to choose from that it can turn into a difficult situation to locate the lowest insurance rates.

Consumers need to get comparison quotes quite often because insurance prices tend to go up over time. Despite the fact that you may have had the best rates on Taurus insurance six months ago you may be paying too much now. Ignore everything you know about insurance because it’s time to teach you the best methods to save money, get proper coverage and the best rates.

Choosing the best insurance company for you is not rocket science. If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using this strategy. But drivers should learn the methods companies use to market on the web and apply this information to your search.

Where can I get cheap auto insurance?

To find the best auto insurance prices, there are several ways to compare rate quotes from local auto insurance companies. The best method to find the lowest 2019 Ford Taurus rates is to jump online and get quotes. It is quite easy and can be accomplished in several different ways.

  1. One of the best ways to get quotes for comparison is a comparison rater form. This easy form eliminates the need for repetitive form submissions for each company. Filling out one form will get you price quotes from multiple low-cost companies. It’s the fastest way to compare.
  2. A harder way to analyze rates requires visiting each company website and repeat the quote process. For instance, let’s assume you want to get rates from Nationwide, 21st Century and Progressive. You would have to go to each individual site to input your insurance information, which can be really labor intensive.
  3. The final method to shop rates is to waste gas driving to each insurance agency near you. Buying insurance online can eliminate the need for a local agent unless you prefer the trained guidance that only a licensed agent can provide. It is possible to compare online quotes but buy from a local insurance agent.

How you compare quotes is your choice, just make sure you compare apples-to-apples quote data for each quote you get. If the quotes have different limits and deductibles on each one you can’t possibly determine which rate is truly the best. Quoting even small variations in insurance coverages or limits could skew the results. And when quoting auto insurance, remember that comparing a wide range of rates helps you find more affordable insurance. Some companies don’t provide price estimates online, so you also need to get prices from them, too.

Take advantage of every insurance discount

Companies that sell car insurance don’t always advertise every policy discount very clearly, so here is a list a few of the more well known as well as some of the hidden savings tricks you should be using when you buy car insurance online.

  • Distant Student – Kids who are enrolled in a college that is more than 100 miles from home and won’t have access to an insured vehicle could qualify for this discount.
  • Student Discounts – This discount may save you up to 25%. Most companies allow this discount up to age 25.
  • Safe Driver Discounts – Drivers who avoid accidents may save up to 50% more on Taurus insurance than less cautious drivers.
  • No Claims – Good drivers with no accidents pay less compared to insureds who have frequent claims or accidents.
  • Telematics Discount – Drivers who elect to allow their insurance company to scrutinize driving patterns by using a telematics device in their vehicle such as Drivewise from Allstate or Snapshot from Progressive may see discounts if they are good drivers.
  • Driver Training Discounts – Taking part in a class that teaches safe driver techniques can save you 5% or more and make you a better driver.
  • Multi-line Discount – Larger companies have a discounted rate on car insurance if you buy a life policy as well.
  • Club Memberships – Being in qualifying employment or professional organizations is a simple method to lower premiums on your next insurance statement.

Just know that most credits do not apply to the entire policy premium. Most only cut individual premiums such as physical damage coverage or medical payments. Just because it seems like you could get a free insurance policy, companies wouldn’t make money that way.

Popular insurance companies and their offered discounts can be read below.

  • State Farm may offer discounts for student away at school, anti-theft, passive restraint, accident-free, and Steer Clear safe driver discount.
  • American Family may include discounts for good student, TimeAway discount, air bags, Steer into Savings, and bundled insurance.
  • AAA offers discounts including good driver, AAA membership discount, pay-in-full, anti-theft, good student, multi-policy, and multi-car.
  • GEICO has discounts for multi-vehicle, daytime running lights, military active duty, defensive driver, and emergency military deployment.
  • Mercury Insurance has savings for location of vehicle, accident-free, anti-theft, ease of repair, low natural disaster claims, and type of vehicle.
  • Farmers Insurance may have discounts that include electronic funds transfer, bundle discounts, mature driver, homeowner, teen driver, distant student, and multi-car.
  • Progressive discounts include multi-vehicle, continuous coverage, online signing, online quote discount, and homeowner.

Double check with every company which credits you are entitled to. Some of the earlier mentioned discounts may not be offered in your state. To find providers who offer online insurance quotes, enter your zip code here.

How to know if you need help

When it comes to buying the best auto insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Every insured’s situation is different.

For example, these questions might point out if your situation would benefit from an agent’s advice.

  • What if I don’t agree with a claim settlement offer?
  • What is high-risk coverage and where do I buy it?
  • Why does it cost so much to insure a teen driver?
  • Does my 2019 Ford Taurus need full coverage?
  • Am I covered if hit by an uninsured driver?
  • Am I covered if my car is in a flood?
  • Is a new car covered when I drive it off the dealer lot?
  • Will my rates increase for filing one claim?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete your zip code.

Car insurance coverage breakdown

Knowing the specifics of car insurance aids in choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for immediate expenses such as EMT expenses, dental work, surgery, hospital visits and doctor visits. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states and may carry a deductible

Auto collision coverage

This will pay to fix damage to your Taurus resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible 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, sideswiping another vehicle, crashing into a building and backing into a parked car. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Liability insurance

Liability coverage will cover damage that occurs to people or other property in an accident. It protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged property.

Liability insurance covers claims like loss of income, structural damage, emergency aid and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Comprehensive or Other Than Collision

This 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 coverage protects against things such as falling objects, hail damage, damage from flooding, damage from getting keyed and a tree branch falling on your vehicle. The highest amount your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

This protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2019 Ford Taurus.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

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