It's safe to conclude that car insurance companies don't want you comparing rates. Consumers who compare price quotes are inclined to switch auto insurance companies because they have good chances of finding more affordable rates. A study discovered that people who shopped around saved $3,500 over four years as compared to drivers who never compared other company's rates.
If finding the cheapest rates on Ford Taurus insurance is your objective, then having some knowledge of the best way to quote and compare coverages can save money and time.
Truthfully, the best way to find lower priced Ford Taurus insurance is to start comparing prices yearly from different companies who sell insurance in Santa Ana. Rates can be compared by following these steps.
- Step 1: Gain an understanding of how companies price auto insurance and the modifications you can make to keep rates in check. Many factors that are responsible for high rates such as getting speeding tickets and an imperfect credit rating can be improved by making lifestyle changes or driving safer. This article gives additional tips to help prevent high rates and find more discounts that you may not know about.
- Step 2: Request price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can give quotes from one company like GEICO or State Farm, while independent agencies can provide price quotes from multiple companies.
- Step 3: Compare the price quotes to the premium of your current policy and determine if there is any savings. If you find better rates, make sure there is no lapse in coverage.
- Step 4: Tell your current company of your intent to cancel your current car insurance policy and submit a completed application and payment to the new company. Be sure to keep your new certificate of insurance in your vehicle.
One key aspect of rate comparisons is to try to compare identical limits and deductibles on every quote request and and to get quotes from as many different companies as possible. This helps ensure a level playing field and a thorough price selection.
Affordable rates by taking advantage of these five discounts
Auto insurance is not cheap nor is it fun to buy but there may be some discounts to help bring down the price. Some of these discounts will be visible when you quote, but some must be asked about before they will apply.
- Discount for Multiple Policies - If you have multiple policies and place coverage with the same company you could get a discount of as much as 10 to 15 percent.
- Senior Citizen Rates - Older drivers can get a discount up to 10%.
- Theft Deterrent - Cars, trucks, and SUVs optioned with advanced anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
- Safe Drivers - Insureds without accidents can get discounts for up to 45% lower rates compared to rates paid by drivers with frequent claims.
- New Vehicle Savings - Putting insurance coverage on a new Taurus is cheaper compared to insuring an older model.
You can save money using discounts, but some of the credits will not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as comp or med pay. Just because you may think you would end up receiving a 100% discount, companies don't profit that way.
The information below visualizes the comparison of Ford Taurus insurance premiums with and without discounts applied to the premium. The premiums assume a female driver, no claims or driving violations, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, multi-car, marriage, safe-driver, and multi-policy discounts applied.
A partial list of companies that may offer these money-saving discounts include:
If you need affordable Santa Ana auto insurance quotes, ask each company which discounts you qualify for. Some credits might not be available to policyholders in Santa Ana. To choose insurance companies who offer online Ford Taurus insurance quotes in California, click this link.
The following companies provide price quotes in Santa Ana, CA. If multiple providers are shown, we suggest you visit two to three different companies to get the best price comparison.
Ford Taurus insurance charts and tables
The coverage information shown below outlines different prices for Ford Taurus models. Learning how auto insurance prices are figured helps drivers make smart choices when choosing a car insurance company.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Taurus SE | $412 | $776 | $574 | $34 | $172 | $1,968 | $164 |
| Taurus SEL | $458 | $914 | $574 | $34 | $172 | $2,152 | $179 |
| Taurus SEL AWD | $458 | $914 | $574 | $34 | $172 | $2,152 | $179 |
| Taurus Limited | $458 | $914 | $574 | $34 | $172 | $2,152 | $179 |
| Taurus Limited AWD | $458 | $1052 | $574 | $34 | $172 | $2,290 | $191 |
| Taurus SHO AWD | $506 | $1052 | $574 | $34 | $172 | $2,338 | $195 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Rate quotes do not factor in zip code location which can impact auto insurance rates significantly.
Price comparison of only insuring for liability
The chart below shows the difference between Ford Taurus annual premium costs with full physical damage coverage compared to only buying the minimum liability limits required in California. The premiums are based on a clean driving record, no at-fault accidents, $100 deductibles, drivers are not married, and no discounts are factored in.
Should you pay for full coverage?
There is no exact formula to exclude comp and collision coverage, but there is a guideline you can consider. If the annual cost of your full coverage insurance is more than around 10% of any settlement you would receive from your insurance company, then you may want to consider only buying liability coverage.
For example, let's say your Ford Taurus claim settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $5,000 after the deductible is paid. If premium cost is more than $500 a year for your policy with full coverage, then it may be the right time to buy liability only.
There are some cases where buying only liability insurance is not in your best interest. If you still owe a portion of the original loan, you have to maintain full coverage to protect the lienholder's interest. Also, if you can't afford to buy a different vehicle if your current one is in an accident, you should maintain full coverage.
Insurance agencies can find coverage gaps
A small number of people prefer to talk to an insurance agent and that is a smart decision Professional insurance agents can help you choose the best coverages and help in the event of a claim. A nice benefit of comparing insurance online is that drivers can save money and get the best rates but also keep your business local. And supporting local agencies is still important in Santa Ana.
To make it easy to find an agent, after completing this short form, your coverage information is transmitted to participating agents in Santa Ana that give free quotes for your insurance coverage. It makes it easy because there is no need to visit any agencies due to the fact that quote results will go immediately to you. If for some reason you want to compare rates for a specific company, just jump over to their website and submit a quote form there.
Picking the best insurance company shouldn't rely on just a cheap price. Here are some questions you should ask.
- How long have they worked with personal auto insurance coverage?
- What discounts might you be missing?
- Do they have designations such as AIC, CPCU, or CIC?
- Is there any savings for paying the full premium?
- Do they have any clout with companies to ensure a fair claim settlement?
- Are they full-time agents?
- Do they carry Errors and Omissions coverage?
- Which company do they place the most coverage with?
If you get satisfactory answers for all questions you ask as well as a price you're happy with, most likely you have located an insurer that is professional and can insure your vehicles.
Specific coverage details
Understanding the coverages of a car insurance policy aids in choosing the right coverages for your vehicles. The terms used in a policy can be confusing and coverage can change by endorsement.
Comprehensive car insurance - This covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for things like falling objects, rock chips in glass, a tree branch falling on your vehicle and fire damage. The most you'll receive from a claim 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.
Liability insurance - This provides protection from damages or injuries you inflict on people or other property in an accident. This insurance protects YOU against other people's claims. Liability doesn't cover your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 15/30/5 that translate to $15,000 bodily injury coverage, $30,000 for the entire accident, and property damage coverage for $5,000. Another option is a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.
Liability coverage protects against claims such as repair bills for other people's vehicles, court costs, medical expenses, medical services and repair costs for stationary objects. How much coverage you buy is a personal decision, but buy higher limits if possible. California state minimum liability requirements are 15/30/5 but you should think about purchasing higher limits.
The next chart shows why the minimum limit may not be enough coverage.
Collision - Collision insurance covers damage to your Taurus resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.
Collision can pay for things like scraping a guard rail, rolling your car and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It's also possible to bump up the deductible on your Taurus in order to get cheaper collision rates.
Coverage for uninsured or underinsured drivers - This coverage protects you and your vehicle's occupants when the "other guys" either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as damage to your Ford Taurus.
Since a lot of drivers only purchase the least amount of liability that is required (15/30/5 in California), their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Usually these limits are similar to your liability insurance amounts.
Coverage for medical expenses - Coverage for medical payments and/or PIP provide coverage for immediate expenses such as doctor visits, chiropractic care, EMT expenses and prosthetic devices. They are utilized in addition to your health insurance program or if you do not have health coverage. They cover you and your occupants and also covers if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage
Smart shoppers get results
When buying insurance coverage, it's very important that you do not skimp on coverage in order to save money. There have been many situations where an insured dropped collision coverage only to find out that they should have had better coverage. The ultimate goal is to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.
We just showed you many ideas to find cheaper Ford Taurus insurance in Santa Ana. The key thing to remember is the more rate quotes you have, the better chance you'll have of finding the cheapest Ford Taurus rate quotes. Drivers may even discover the lowest priced auto insurance comes from a small local company.
Insureds switch companies for a variety of reasons including high rates after DUI convictions, lack of trust in their agent, questionable increases in premium or even extreme rates for teen drivers. No matter why you want to switch, finding a new company is not as difficult as it may seem.
More information
- Auto Insurance FAQ (Farmers Insurance)
- Who Has Cheap Santa Ana Auto Insurance Rates for Drivers Requiring a SR22? (FAQ)
- Teen Driver Licensing Information (iihs.org)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)