Cheap Fort Worth Ford Taurus Insurance

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How many times have you told yourself to find lower-priced Ford Taurus insurance in Fort Worth? If you're trying to find lower-priced insurance online, do you get frustrated by the number of car insurance sources in Fort Worth? Texas vehicle owners have such a vast assortment of sources available that it can easily turn into a difficult situation to find lower car insurance rates on Ford Taurus insurance. Fort Worth has many things to offer, but finding the money to pay for car insurance makes it impossible to stay on budget.

Insurance quote for Ford Taurus in Fort WorthIt's well known that car insurance companies don't want you comparing rates. Drivers who shop around for cheaper prices are inclined to switch car insurance companies because there is a good chance of finding a lower rate. A recent car insurance study discovered that drivers who faithfully checked for cheaper rates saved approximately $3,400 over four years compared to people who don't make a habit of comparing rates.

If finding budget-friendly rates on Ford Taurus insurance in Fort Worth is the reason for your visit, then having a good understanding the best way to shop and compare coverages can save time and make the process easier.

Consumers should take time to compare premium rates before your policy renews because prices are variable and change quite frequently. Even if you think you had the lowest rates on Ford Taurus insurance in Fort Worth at your last renewal you can probably find a lower rate today. Forget all the misinformation about car insurance because you're about to find out how to use online quotes to properly buy coverages while reducing your premium.

When comparing insurance rates, know that comparing more quotes helps locate more affordable insurance.

The companies shown below offer quotes in Texas. If more than one company is shown, we suggest you click on several of them in order to get a fair rate comparison.

These discounts can slash Ford Taurus insurance rates

Insuring your vehicles can cost a lot, but there could be available discounts that could help you make your next renewal payment. Certain discounts will be applied when you complete an application, but a few must be manually applied in order for you to get them.Auto insurance discounts

  • Claim Free - Drivers who don't have accidents have much lower rates in comparison to drivers who are more careless.
  • Pay Upfront and Save - If you pay your entire premium ahead of time as opposed to paying monthly you can avoid the installment charge.
  • Air Bag Discount - Cars that have air bags or automatic seat belts can qualify for discounts of up to 25% or more.
  • Good Student - Getting good grades can earn a discount of 20% or more. Earning this discount can benefit you up until you turn 25.
  • Government Employee Discount - Having worked for a branch of the government can save as much as 8% with some auto insurance companies.
  • Own a Home - Owning a house in Fort Worth can earn you a little savings due to the fact that maintaining a home is proof of financial responsibility.
  • Bundle and Save - If you insure your home and vehicles and insure them both with the same insurance company you could earn a discount of nearly 15% which can help you find cheap Taurus insurance.
  • Theft Prevention Discount - Cars that have factory anti-theft systems are stolen with less frequency and will qualify for a discount on a Fort Worth car insurance quote.
  • Professional Memberships - Affiliation with a civic or occupational organization in Fort Worth can get you a small discount on your policy.
  • Seat Belts Save more than Lives - Drivers who require all occupants to use a seat belt could save 15% off the PIP or medical payment premium.

You can save money using discounts, but most credits do not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like liability and collision coverage. Even though it appears you can get free auto insurance, companies wouldn't make money that way.

The chart below illustrates the comparison of Ford Taurus yearly insurance costs with and without discounts applied to the policy premium. The costs are based on a male driver, a clean driving record, no at-fault accidents, Texas state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, marriage, homeowner, multi-car, and safe-driver discounts applied.

A list of auto insurance companies and some of the premium reductions they offer can be found below.

  • State Farm offers premium reductions for accident-free, multiple policy, passive restraint, Steer Clear safe driver discount, and good driver.
  • Farmers Insurance has savings for electronic funds transfer, homeowner, youthful driver, bundle discounts, good student, and distant student.
  • Progressive may have discounts that include multi-vehicle, multi-policy, good student, continuous coverage, and homeowner.
  • GEICO offers discounts including emergency military deployment, five-year accident-free, air bags, defensive driver, and multi-vehicle.
  • Auto-Owners Insurance discounts include mature driver, group or association, multi-policy, safe vehicle, and good student.
  • The Hartford policyholders can earn discounts including driver training, good student, defensive driver, bundle, anti-theft, air bag, and vehicle fuel type.
  • Farm Bureau includes discounts for renewal discount, multi-policy, safe driver, multi-vehicle, and youthful driver.
  • USAA may offer discounts for good student, multi-policy, defensive driver, family discount, and annual mileage.

If you need inexpensive Fort Worth car insurance quotes, ask each company which credits you are entitled to. Some discounts listed above may not apply to policyholders in your area. If you would like to choose from a list of providers with discount auto insurance rates in Fort Worth, follow this link.

Coverage analysis

The coverage information shown next showcases a range of coverage prices for Ford Taurus models. Having insight into how rates are established can be valuable when making smart choices when comparing insurance quotes.

Ford Taurus Insurance Rates in Fort Worth, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Taurus SE $318 $560 $496 $30 $148 $1,552 $129
Taurus SEL $356 $660 $496 $30 $148 $1,690 $141
Taurus SEL AWD $356 $660 $496 $30 $148 $1,690 $141
Taurus Limited $356 $660 $496 $30 $148 $1,690 $141
Taurus Limited AWD $356 $760 $496 $30 $148 $1,790 $149
Taurus SHO AWD $392 $760 $496 $30 $148 $1,826 $152
Get Your Own Custom Quote Go

Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Rate quotes do not factor in your specific Fort Worth location which can influence premiums substantially.

Car insurance deductibles

When buying car insurance, a common question is where to set your physical damage deductibles. The rates shown below can help you understand the price difference when you buy lower versus higher physical damage deductibles. The first table uses a $100 deductible for physical damage and the second price chart uses a $1,000 deductible.

Ford Taurus insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Taurus SE $370 $592 $382 $22 $114 $1,505 $125
Taurus SEL $412 $698 $382 $22 $114 $1,653 $138
Taurus SEL AWD $412 $698 $382 $22 $114 $1,653 $138
Taurus Limited $412 $698 $382 $22 $114 $1,653 $138
Taurus Limited AWD $412 $804 $382 $22 $114 $1,759 $147
Taurus SHO AWD $454 $804 $382 $22 $114 $1,801 $150
Get Your Own Custom Quote Go
Ford Taurus insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Taurus SE $206 $312 $382 $22 $114 $1,036 $86
Taurus SEL $228 $368 $382 $22 $114 $1,114 $93
Taurus SEL AWD $228 $368 $382 $22 $114 $1,114 $93
Taurus Limited $228 $368 $382 $22 $114 $1,114 $93
Taurus Limited AWD $228 $424 $382 $22 $114 $1,170 $98
Taurus SHO AWD $252 $424 $382 $22 $114 $1,194 $100
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Price estimates do not factor in specific location which can lower or raise premium rates significantly.

Using the data above, we can ascertain that using a $100 deductible costs an average of $45 more each month or $540 a year than opting for the higher $1,000 deductible. Since the policyholder would be required to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you have at a minimum 20 months between claim filings, you would probably be better off if you choose a higher deductible.

How to calculate if higher deductibles make sense

Average monthly premium for $100 deductibles: $139
Average monthly premium for $1,000 deductibles (subtract): - $94
Monthly savings from raising deductible: $45
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $45
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 20 months

One important caveat is that higher deductibles means you will have to pay more of your own money when you have a physical damage claim. You will want to have enough disposable income in the event you need to pay the higher deductible in order to repair your vehicle.

The chart below demonstrates how deductible levels and can change Ford Taurus annual premium costs for different categories of driver ages. The prices are based on a single male driver, comprehensive and collision coverage, and no discounts are taken into consideration.

Insurance rate increases from tickets or accidents

The diagram below shows how traffic citations and at-fault claims drive up Ford Taurus premium costs for each different age group. The information is based on a married female driver, full coverage, $500 deductibles, and no policy discounts are applied.

Comparison of car insurance rates by gender and age

The diagram below illustrates the comparison of Ford Taurus insurance premiums for male and female drivers. The rate quotes are based on no violations or claims, full physical damage coverage, $500 deductibles, single marital status, and no discounts are factored in.

How much more does full coverage cost in Fort Worth?

The chart below illustrates the difference between Ford Taurus insurance costs with and without full coverage. The data is based on no claims or driving violations, $500 deductibles, drivers are not married, and no other discounts are factored in.

When to drop comp and collision

There is no set rule to exclude comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the yearly cost for physical damage coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.

For example, let's assume your Ford Taurus replacement cost is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company would pay you is $8,000 after paying your policy deductible. If premiums are more than $800 annually for physical damage coverage, then it might be time to buy liability only.

There are some situations where eliminating full coverage is not recommended. If you have an outstanding loan on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should keep full coverage.

Compare prices but still have a local neighborhood Fort Worth car insurance agent

Many drivers just prefer to have an agent's advice and that is OK! One of the benefits of comparing insurance prices online is the fact that drivers can get cheap car insurance quotes and still choose a local agent. And buying from local insurance agencies is important particularly in Fort Worth.

Fort Worth insurance agentsOnce you complete this simple form, your coverage information is emailed to local insurance agents in Fort Worth who can give free rate quotes for your car insurance coverage. You never need to even leave your home because prices are sent to you instantly. Get lower rates and work with a local agent. If you need to quote rates from a specific car insurance provider, you just need to go to their quote page and fill out the quote form the provide.

Shown below are agents in Fort Worth that may be willing to give rate quotes for Ford Taurus insurance in Fort Worth.

More Fort Worth agents

Picking an insurance company shouldn't rely on just the quoted price. These are some questions your agent should answer.

  • How much can you save by raising your physical damage deductibles?
  • Do they have cheaper tiers of coverage?
  • Can they help ensure a fair claim settlement?
  • Will you get a loaner vehicle if you car is being repaired?
  • How long have they worked with personal auto insurance coverage?

How You Can Control Ford Taurus Insurance Rates

Multiple criteria are used when you quote your car insurance policy. Some factors are common sense such as your driving history, but other criteria are not as apparent such as your marital status or how safe your car is.

Do you work long hours in a high stress job? - Do you work in a high-stress field? Occupations such as lawyers, executives, and emergency personnel are shown to have the highest rates due to intense work requirements and lengthy work days. Other careers like farmers, engineers and the unemployed pay the least.

Bump up physical damage deductibles to lower rates - Physical damage deductibles tell how much you are willing to pay out-of-pocket before your auto insurance pays a claim. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Examples of covered claims are collision with another vehicle, collision with a deer, and damage from wind. The more expense you pay before a claim is paid (deductible), the less money you will pay for auto insurance.

Miles impacts premiums - Driving more miles in a year the higher your rate. Almost all companies charge to insure your cars based upon how the vehicle is primarily used. Cars and trucks that have low annual miles can get a lower rate than cars that get driven a lot. An improperly rated Taurus can cost quite a bit. Verify your auto insurance coverage states the correct usage, because it can save money.

You might want pay the small policy claims yourself - If you are the type of insured that files lots of claims you can pretty much guarantee much higher rates or policy non-renewal. Car insurance companies in Texas give the lowest premiums to policyholders who are not frequent claim filers. Auto insurance is intended to be relied upon for more catastrophic claims.

Insurance loss probability for a Ford Taurus - Insurers use past insurance losses to help set a rate to offset losses. Vehicles that statistically have a trend towards higher claim severity or frequency will have higher premium rates.

The table below outlines the collected loss data for Ford Taurus vehicles. For each policy coverage, the statistical loss for all vehicles combined as an average is a value of 100. Numbers shown that are under 100 suggest a better than average loss history, while numbers shown that are more than 100 point to more frequent losses or statistically larger losses.

Auto Insurance Loss Data for Ford Taurus Models
Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Ford Taurus 2WD 109 88 134 115 115 101
Ford Taurus 4WD 120 78 141 124
Ford Taurus SHO 4WD 143 96 185 84 103
BETTER
AVERAGE
WORSE

Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Auto insurance is not optional

Despite the fact that auto insurance is not cheap in Fort Worth, buying auto insurance serves a purpose in several ways.

  • The majority of states have minimum mandated liability insurance limits which means you are required to carry specific limits of liability protection if you want to drive legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
  • If your vehicle has a lienholder, almost all lenders will have a requirement that you have physical damage coverage to guarantee loan repayment. If coverage lapses or is canceled, the bank will be required to insure your Ford for a much higher rate and make you pay a much higher amount than you were paying before.
  • Auto insurance protects both your assets and your vehicle. It will also cover medical expenses for you, your passengers, and anyone else injured in an accident. One policy coverage, liability insurance, will also pay for a defense attorney if you cause an accident and are sued. If damage is caused by hail or an accident, comprehensive (other-than-collision) and collision coverage will pay all costs to repair after the deductible has been paid.

The benefits of having insurance more than offset the price you pay, particularly if you ever have a claim. Despite what companies tell you, the average driver overpays more than $700 annually so it's important to compare rates at every renewal to make sure the price is not too high.

Compare but don't skimp

Throughout this article, we presented some good ideas how to lower your Ford Taurus insurance premium rates in Fort Worth. The key thing to remember is the more rate comparisons you have, the higher your chance of finding the cheapest Ford Taurus rate quotes. Drivers may even discover the lowest premium rates come from a small mutual company.

As you prepare to switch companies, it's not a good idea to reduce needed coverages to save money. In many instances, an insured dropped comprehensive coverage or liability limits only to find out they didn't have enough coverage. The aim is to purchase a proper amount of coverage at the best price.

There are still a few companies who may not have rate quotes online and usually these regional insurance providers prefer to sell through local independent agencies. Discount Ford Taurus insurance is available both online in addition to local insurance agencies, so you should compare both to have the best selection.

How to find low-cost rates for Ford Taurus insurance in Fort Worth

If your goal is the lowest price, then the best way to find the cheapest price for Ford Taurus insurance is to compare quotes once a year from providers in Fort Worth. This can be done by following these guidelines.

  • First, get an understanding of policy coverages and the things you can change to keep rates in check. Many policy risk factors that result in higher rates such as at-fault accidents, careless driving, and a not-so-good credit score can be eliminated by being financially responsible and driving safely.
  • Second, compare rates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can provide rates from a single company like GEICO and Allstate, while independent agents can provide prices from multiple companies. View a list of agents
  • Third, compare the quotes to your existing policy to see if cheaper Taurus coverage is available. If you find better rates, make sure there is no lapse in coverage.
  • Fourth, give notification to your current company of your intention to cancel your current policy. Submit the application along with any required down payment for your new coverage. Once coverage is bound, place your new certificate of insurance with your registration paperwork.

The most important part of shopping around is to use identical coverage information on each price quote and and to get rate quotes from as many carriers as you can. Doing this enables an accurate price comparison and the best price selection.

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