Save on Ford Taurus Insurance in Five Minutes or Less

Finding cheaper insurance for a Ford Taurus could be a lot of work, but you can follow these tips to save time.

There is a right way and a wrong way to buy car insurance and we’ll show you the quickest way to quote coverages for a Ford and obtain the best price possible.

Quick Car Insurance Quotes

There are several ways to compare rate quotes from different insurance companies. The recommended way to find competitive Ford Taurus insurance rates involves getting comparison quotes online. This can be accomplished in just a few minutes using one of these methods.

One of the best ways to find low rates would be an industry-wide quote request form click here to open form in new window. This form eliminates the need for repetitive form entry for each company you want a rate for. A single form gets you price quotes from several companies. It’s the fastest way to compare.

A less efficient way to get quotes online is going to the website of each company to request a price quote. For sake of this example, we’ll pretend you want rates from Nationwide, Farmers and GMAC. To find out each rate you need to spend time on each company’s site to enter your coverage information, and that’s why the first method is more popular. For a handy list of car insurance company links in your area, click here.

The least recommended way of comparing rate quotes is to waste gas driving to and from local insurance agencies. The internet has reduced the need for local agents unless you prefer the professional advice that only a license agent can provide. Drivers can get the lowest quotes online but still have the advice of a local agent and we’ll touch on that later.

It’s your choice how you get your quotes, but double check that you are using identical deductibles and coverage limits for each price quote. If your comparisons have higher or lower deductibles you can’t possibly determine the best price for your Ford Taurus. Quoting even small variations in coverages can mean a large discrepancy in price. Keep in mind that more quotes provides better odds of finding the best rates.

You probably qualify for some discounts

The cost of insuring your cars can be expensive, but you may find discounts that you may not know about. Certain discounts will be applied at quote time, but lesser-known reductions have to be specifically requested prior to receiving the credit.

Use Seat Belts – Requiring all passengers to use their safety belts can save up to 15% on the medical payments or PIP coverage costs.
Passive Restraints and Air Bags – Cars that have air bags and/or automatic seat belt systems can qualify for discounts up to 30%.
Multi-policy Discount – When you have multiple policies with the same company you may earn at least 10% off all policies.
Driver’s Ed – Cut your cost by having your teen driver successfully complete driver’s ed class in high school.
Discounts for Safe Drivers – Insureds without accidents may receive a discount up to 45% less for Taurus insurance than less cautious drivers.
Pay Now and Pay Less – If you pay your entire premium ahead of time instead of monthly or quarterly installments you may reduce your total bill.
Employee of Federal Government – Active or retired federal employment can save as much as 8% for Taurus insurance with select insurance companies.

Drivers should understand that some of the credits will not apply to all coverage premiums. A few only apply to the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like having all the discounts means you get insurance for free, you’re out of luck. Any amount of discount will help reduce the amount you have to pay.

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Lesser-known factors impacting Ford Taurus insurance rates

It’s important that you understand the factors that come into play when calculating your car insurance rates. Having a good understanding of what influences your rates enables informed choices that could result in lower car insurance prices.

Increase deductibles and save – The deductibles represent how much money you are required to spend out-of-pocket before your car insurance pays a claim. Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. A few examples of covered claims are colliding with a building, vandalism, and windstorm damage. The more money you have to pay, the less your car insurance will be for Taurus insurance.
Too many car insurance claims drive up costs – Companies give cheaper rates to policyholders who do not file claims often. If you frequently file small claims, you can look forward to either a policy non-renewal or much higher rates. Insurance coverage is designed for the bigger claims that can’t be paid out-of-pocket.
Drive less and save money – The more you drive each year the higher your rate. Most companies rate vehicles based on how the vehicle is used. Vehicles left parked in the garage qualify for better rates as compared to vehicles used primarily for driving to work. Make sure your car insurance policy properly reflects the correct driver usage. If your policy improperly rates your Taurus can result in significantly higher rates.
Is your vehicle built for speed? – The make and model of the vehicle you drive makes a substantial difference in determining your rates. Since the Ford Taurus falls in the passenger car class, insurance will be similar in price or lower as compared to the average rate. Lower performance four cylinder passenger cars generally receive the lowest base rates, but other factors influence the final cost greatly.
Protect yourself with liability coverage – The liability section of your policy provides coverage in the event that a jury decides you are liable for damages from an accident. It will provide for a legal defense starting from day one. Liability is cheap compared to insuring for physical damage coverage, so drivers should carry high limits.
Traffic violations increase rates – Careful drivers tend to pay less for car insurance than their less careful counterparts. Even a single moving violation can boost insurance rates twenty percent or more. Drivers who get dangerous violations such as reckless driving, hit and run or driving under the influence may be required to submit a SR-22 form to the state department of motor vehicles in order to prevent a license revocation.
Lower rates come with age – Teen drivers have a tendency to be more careless when behind the wheel so car insurance rates are higher. Older insureds are viewed as being more responsible, tend to cause fewer accidents and get fewer tickets.
Better credit means lower rates – Credit rating is a big factor in determining what you pay for car insurance. Consumers who have good credit tend to be less risk to insure than drivers with lower credit scores. So if your credit history can use some improvement, you could pay less to insure your Ford Taurus by repairing your credit.

Don’t I need to talk to an agent?

Certain consumers prefer to get advice from a local agent. The biggest benefit of getting online price quotes is you can get lower rates but also keep your business local. And supporting local agencies is definitely important if you live in a smaller city or town.

Once you complete this form (opens in new window), your insurance coverage information is emailed to participating agents who will return price quotes to get your business. There is no need to visit any agencies as quotes are delivered directly to your email. How’s that for easy! You can find the lowest rates and a licensed agent to work with.

Multiple types of auto insurance agents

When researching a local agent, you must know there are a couple different types of agents that you can select. Agents can either be captive or independent.

Independent Agents

Independent insurance agents are not required to write business for one company so they can insure your vehicles with any number of different companies enabling the ability to shop coverage around. To move your coverage to a new company, the agent simply finds a different carrier and that require little work on your part. When searching for an agent, it’s recommended you get quotes from at a minimum one independent agency for the best price selection. They also have the ability to place coverage with different regional companies which can be an advantage.

Captive Insurance Agents

Captive agencies can only place business with one company and examples are AAA, State Farm, Farmers Insurance and Allstate. They usually cannot give you multiple price quotes so they have no alternatives for high prices. Captives receive extensive training on their company’s products which helps them sell insurance even at higher premiums. Consumers often buy from captive agents mainly due to high brand loyalty and strong financial ratings.

To view a complete directory of insurance agencies, visit this site.

Choosing an insurance agency needs to be determined by more than just a low price. Agents should be asked these questions:

If your car is totalled, how to they determine the replacement cost?
Did they already check your driving record and credit reports?
Which company do they place the most coverage with?
How long has their agency been open?
Is their price quote a firm figure or are their hidden costs?
What are the financial ratings for the companies they represent?
Are they able to influence company decisions when a claim is filed?
Can they provide you with a list of referrals?

Once you have received satisfactory answers to all your questions and an affordable coverage quote, chances are good that you have found an insurance agency that will properly service your car insurance policy.

Are car insurance companies telling the truth?

Car insurance providers like State Farm, Allstate and GEICO constantly bombard you with ads on TV and radio. They all say the same thing that you can save if you switch your policy. How do they all say the same thing? This is how they do it.

Different companies have a certain “appetite” for the right customer that earns them a profit. A good example of a preferred risk could possibly be between 25 and 40, insures multiple vehicles, and drives newer vehicles. A driver who meets those qualifications receives the best rates and is almost guaranteed to save quite a bit of money when switching.

Consumers who do not match the requirements must pay higher premiums and this can result in business going elsewhere. The ad wording is “drivers who switch” not “people who quote” save that much. That is how insurance companies can make the claims of big savings.

This illustrates why you absolutely need to quote coverage with many companies. It’s impossible to know which insurance companies will provide you with the cheapest rates.

More effort can pay off

You just learned some good ideas how to save on Ford Taurus insurance. The most important thing to understand is the more quotes you get, the better likelihood of reducing your rate. Consumers could even find that the lowest rates come from a company that doesn’t do a lot of advertising.

Drivers change insurance companies for any number of reasons including delays in responding to claim requests, policy non-renewal, high rates after DUI convictions or an unsatisfactory settlement offer. It doesn’t matter what your reason, choosing a new company is not as difficult as it may seem.

The cheapest Ford Taurus insurance is attainable both online as well as from independent agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some companies don’t offer online quoting and most of the time these regional insurance providers sell through independent agents.