Find Cheaper Ford Taurus Insurance in Tucson

Really, the only way to find better pricing on Ford Taurus insurance in Tucson is to regularly compare quotes from insurers that insure vehicles in Arizona.

  1. Read and learn about individual coverages and the measures you can take to lower rates. Many things that are responsible for high rates such as getting speeding tickets and poor credit history can be eliminated by making minor driving habit or lifestyle changes. Keep reading for ideas to help keep prices low and earn a bigger discount.
  2. Compare rates from direct, independent, and exclusive agents. Direct and exclusive agents can only provide price estimates from one company like GEICO or Allstate, while agents who are independent can give you price quotes from multiple insurance companies.
  3. Compare the new quotes to the premium of your current policy and determine if cheaper Taurus coverage is available in Tucson. If you find better rates and decide to switch, make sure coverage is continuous and does not lapse.
  4. Provide written notification to your current company of your decision to cancel your current policy. Submit payment and a completed application for the new policy. Once received, keep the new certificate verifying coverage along with your vehicle registration.

One key aspect when comparing rates is to compare the same coverage limits and deductibles on each price quote and and to look at as many different companies as possible. This guarantees a fair rate comparison and a complete rate analysis.

Discount Ford Taurus insuranceA recent study revealed that most car insurance policyholders renewed their policy with the same company for a minimum of four years, and almost half have never shopped around. Tucson drivers could save themselves roughly 50% a year, but they mistakenly think it’s difficult to find lower-cost insurance by shopping around.

If you already have coverage, you will be able to find the best rates using the ideas you’re about to read. Locating the best rates in Tucson is actually very simple if you learn how to start. Although Arizona vehicle owners must learn how the larger insurance companies determine what you pay and use it to find better rates.

What Determines Ford Taurus Insurance Rates?

Lots of factors are part of the equation when quoting car insurance. Some of the criteria are obvious like your driving record, but other criteria are not quite as obvious like your vehicle usage or your financial responsibility.

The following are most of the major factors used by your company to calculate your prices.

Use one insurance company and save – The majority of auto insurance companies allow lower prices to clients that have more than one policy, otherwise known as a multi-policy discount. This can amount to five, ten or even twenty percent. If you currently are using one company, drivers will still want to compare other Tucson Taurus insurance rates to guarantee you are still saving the most. You may still be able to find a better deal by buying auto insurance from a different company.

Better credit means lower rates – Credit rating can be an important factor in determining premium rates. If your credit score could use some work, you could pay less to insure your Ford Taurus if you clean up your credit. Consumers who have very good credit scores tend to be more responsible than drivers who have poor credit scores.

Better prices with anti-theft devices – Buying a car with an alarm system can help lower your rates. Theft prevention features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent auto theft.

Drive lots and pay more – Driving more miles in a year the more you will pay for auto insurance. Most companies charge rates based on how the vehicle is used. Autos that sit idle most of the time cost less to insure than those that get driven frequently. Double check that your declarations sheet correctly shows the proper vehicle usage, because it can save money. A policy that improperly rates your Taurus may be wasting your money.

Marriage is a factor – Getting married helps lower the price on your auto insurance bill. Having a spouse means you’re less irresponsible and statistics prove married drivers tend to have fewer serious accidents.

Insurance loss statistics a Ford Taurus – Companies include the past claim history for a vehicle to help determine costs. Vehicles that the data shows to have higher prevalence or dollar amount of losses will have a higher cost to insure.

The table below outlines the actual insurance loss data for Ford Taurus vehicles. For each insurance policy coverage type, the claim amount for all vehicles combined as an average is set at 100. Percentage numbers below 100 suggest a positive loss record, while values that are 100 or greater indicate more frequent losses or tendency to have higher losses.

Car Insurance Loss Data for Ford Taurus Models
Vehicle 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

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

Auto insurance data for a Ford Taurus

The coverage information shown below highlights a range of insurance costs for Ford Taurus models. Knowing how rates are formulated can be valuable when making informed coverage decisions.

Ford Taurus Insurance Rates in Tucson, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Taurus SE $126 $208 $288 $18 $86 $726 $61
Taurus SEL $140 $246 $288 $18 $86 $778 $65
Taurus SEL AWD $140 $246 $288 $18 $86 $778 $65
Taurus Limited $140 $246 $288 $18 $86 $778 $65
Taurus Limited AWD $140 $284 $288 $18 $86 $816 $68
Taurus SHO AWD $154 $284 $288 $18 $86 $830 $69
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Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Premium costs do not factor in vehicle location which can modify premium rates significantly.

Careless driving habits raise Tucson auto insurance rates

The information below highlights how traffic violations and accidents drive up Ford Taurus insurance rates for each different age group. The prices are based on a single male driver, full coverage, $1,000 deductibles, and no additional discounts are factored in.

Cut your auto insurance rates with discounts

Auto insurance is neither fun to buy or cheap, but there could be significant discounts that many consumers don’t even know exist. Many discounts should be triggered when you purchase, but occasionally some discounts must be inquired about in order for you to get them.Save money with discounts

Policy discounts save money, but some credits don’t apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like comprehensive or collision. So even though you would think you would end up receiving a 100% discount, auto insurance companies aren’t that generous.

The illustration below illustrates the difference between Ford Taurus insurance prices with and without discounts applied to the policy premium. The premium estimates are based on a male driver, no claims, a clean driving record, Arizona state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, claim-free, homeowner, multi-car, and marriage discounts applied.

Large auto insurance companies and their possible discounts are shown below.

When getting free Tucson car insurance quotes, it’s a good idea to each company or agent to apply every possible discount. Discounts might not be available to policyholders in Tucson. To see companies with significant discounts in Tucson, click here to view.

A conclusion for your car insurance search

Insureds leave their current company for any number of reasons including lack of trust in their agent, poor customer service, extreme rates for teen drivers and policy non-renewal. It doesn’t matter what your reason, finding a new company is not as difficult as it may seem.

Some insurance companies may not offer online price quotes and most of the time these smaller providers sell through independent agents. Affordable Ford Taurus insurance in Tucson can be purchased online and with local Tucson insurance agents, and you need to price shop both to have the best selection.

When searching for affordable Ford Taurus insurance quotes, do not skimp on coverage in order to save money. There have been many cases where drivers have reduced full coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy the best coverage you can find at a price you can afford while still protecting your assets.

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