Consumers Learn How to Pay Less for Ford Taurus X Insurance

Finding the cheapest insurance for a Ford Taurus X can turn out to be a painful process, but you can follow a few tricks to find lower rates. There is a right way and a wrong way to find auto insurance online and we’ll show you the absolute fastest way to price shop coverage for a new or used Ford and obtain the cheapest rates.

It is always a good idea to compare rates on a regular basis because insurance rates trend upward over time. Even if you think you had the lowest rates on Taurus X insurance a year ago other companies may now be cheaper. Ignore everything you know about auto insurance because you’re about to find out the things you must know in order to find better coverage at a better price.

If you have car insurance now, you will be able to reduce your rates substantially using this strategy. Finding the cheapest auto insurance coverage is quite easy. But car owners benefit from understanding the way companies sell online.

Compare the Market for Auto Insurance

Shopping for lower auto insurance rates can take time and effort if you don’t understand the fastest way to get free quotes. You can waste hours talking about coverages with agents in your area, or you could save time and use the internet to quickly compare rates.

Many insurance companies participate in an industry program that allows shoppers to complete one form, and at least one company returns a competitive quote for coverage. This prevents consumers from doing quote requests for every auto insurance company.

To use this form to compare rates click to open in new window.

One minor caviat to getting quotes like this is you are unable to specify which providers to get pricing from. If you wish to select specific providers to request quotes from, we have a listing of low cost auto insurance companies in your area. Click here to view list.

However you get your quotes, double check that you are using exactly the same information for every company. If each company quotes mixed coverages you will not be able to make a fair comparison for your Ford Taurus X. Having just a slight variation in coverage limits may result in large price differences. Just remember that quoting more will improve the odds of getting lower pricing.

Do you qualify for discounts?

Auto insurance companies don’t necessarily list all their discounts very clearly, so we researched some of the more common and also the lesser-known savings tricks you should be using.

• Seat Belts Save – Using a seat belt and requiring all passengers to wear their seat belts could cut 10% or more off your medical payments premium.
• Drive Safe and Save – Drivers who avoid accidents may receive a discount up to 45% less on Taurus X insurance than their less cautious counterparts.
• Accident Waiver – Some insurance companies will allow you to have one accident before your rates go up if your claims history is clear for a certain period of time.
• Clubs and Organizations – Being a member of a professional or civic organization could qualify you for a break on your policy on Taurus X insurance.
• Passive Restraints – Vehicles with factory air bags may earn rate discounts of more than 20%.
• Multi-car Discount – Insuring more than one vehicle on the same auto insurance policy may reduce the rate for each vehicle.
• Good Students Pay Less – This discount can earn a discount of 20% or more. This discount can apply up until you turn 25.
• Employee of Federal Government – Employees or retirees of the government may qualify you for a discount on Taurus X insurance with select insurance companies.
• Defensive Driver – Successfully completing a course in driver safety could possibly earn you a 5% discount if you qualify.
• Anti-lock Brakes – Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.

A little note about advertised discounts, most discount credits are not given to the entire policy premium. Most cut individual premiums such as medical payments or collision. Even though it may seem like adding up those discounts means a free policy, it just doesn’t work that way.

For a list of providers with discount auto insurance rates, click here.

Ford Taurus X insurance rates have many determining factors

Consumers need to have an understanding of the rating factors that play a part in calculating your auto insurance rates. Having a good understanding of what determines base rates helps enable you to make changes that can help you get much lower annual insurance costs.

• Low deductibles can be expensive – Your deductibles represent how much money you are required to spend out-of-pocket if you file a covered claim. Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Some instances where coverage would apply would be colliding with a building, vandalism, or theft. The more expense you are required to pay out-of-pocket, the bigger discount you will receive on Taurus X insurance.
• Younger drivers pay higher rates – Older insureds are more responsible, tend to cause fewer accidents and are safer drivers. Teenage drivers are statistically proven to be less responsible when behind the wheel and because of this, their auto insurance rates are much higher.
• Equipment add-ons that lower auto insurance rates – Purchasing a vehicle that has an advanced theft prevention system can get you a discount on your auto insurance. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping your vehicle from being stolen.
• Marriage brings a discount – Being married can actually save you money on your auto insurance policy. Marriage means you’re more responsible it has been statistically shown that married couples file fewer claims.
• Proper usage rating affects rates – The higher the mileage driven in a year the higher your rate. The majority of insurers apply a rate based on how the vehicle is used. Cars that are left in the garage receive lower rates compared to those used for work or business. Verify your auto insurance declarations sheet properly reflects the correct usage for each vehicle, because improper ratings can cost you money. If your policy improperly rates your Taurus X can cost quite a bit.
• Men fork out a little more – Statistics have proven women tend to be less risk to insure than men. However, don’t assume that women are BETTER drivers than men. Women and men have accidents at a similar rate, but the males cause more damage and cost insurance companies more money. They also get more serious tickets such as reckless driving.
• Type of vehicle determines base rates – The performance level of the car you drive makes a substantial difference in how high your rates are. The cheapest insurance rates tend to be for low performance passenger vehicles, but the cost you end up paying is determined by many additional factors. Since the Ford Taurus X is considered a crossover, insuring your vehicle will cost slightly more compared to average rates.

Don’t assume everyone needs the same coverage

When choosing the best auto insurance coverage for your personal vehicles, there is no single plan that fits everyone. Everyone’s situation is a little different.

For example, these questions can help discover whether or not you may require specific advice.

• Why is insurance for a teen driver so high?
• Is borrowed equipment or tools covered if stolen or damaged?
• Can I afford low physical damage deductibles?
• Do I have coverage when making deliveries for my home business?
• When would I need additional glass coverage?
• Can my teen driver be rated on a liability-only vehicle?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form.

More quotes mean more savings

Cheaper Ford Taurus X insurance is attainable online as well as from independent agents, and you need to comparison shop both in order to have the best price selection to choose from. Some auto insurance companies don’t offer the ability to get a quote online and most of the time these smaller companies sell through independent agents.

Insureds who switch companies do it for a variety of reasons including being labeled a high risk driver, denial of a claim, policy non-renewal or policy cancellation. Regardless of your reason for switching companies, switching companies can be easier than you think.

In this article, we presented a lot of tips how to save on Ford Taurus X insurance. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding lower rates. You may even find the lowest rates come from some of the smallest insurance companies.