Find Cheaper Ford Taurus Insurance in Los Angeles

Want to know an easy way to compare cheaper Ford Taurus insurance in Los Angeles? No sane person rejoices having to buy auto insurance, especially when they could lower their rates if they shopped around.

Unbelievably, most auto insurance buyers kept their policy with the same company for over three years, and almost half have never compared rates from other carriers. Drivers in Los Angeles could save an average of almost 35% each year by just comparing quotes, but they don’t believe how much money they would save if they swap their current policy for a cheaper one.

With consumers having so many insurance companies to choose from that have cheap insurance for a Ford Taurus in Los Angeles, it is very difficult to choose the lowest cost auto insurance provider.

You should make it a habit to quote other rates periodically because rates are constantly changing. Even if you think you had the best deal on Ford Taurus insurance in Los Angeles two years ago there is a good chance you can find better prices now. Forget all the misinformation about auto insurance because you’re going to learn the fastest way to save money, get proper coverage and the best rates.

Locating the most cost-effective car insurance policy in Los Angeles is actually quite simple. Just about every car owner who buys car insurance will most likely be able to find better rates. But California vehicle owners do need to learn how the larger insurance companies charge you for coverage and use it to find better rates.

Choices You Make Can Impact Your Insurance Costs

Lots of factors are considered when pricing auto insurance. A few of the factors are predictable like your driving record, although some other factors are not quite as obvious like your continuous coverage and annual miles driven.

Do you really need to file that insurance claims? – If you’re an insured who likes to file claims you shouldn’t be surprised to get either a policy non-renewal or much higher rates. Insurance companies in California generally give discounts to people who do not file claims often. Your car insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.

Amount of liability insurance – A critical coverage on your policy, liability insurance will provide protection if ever you are found liable for physical damage or personal injury to other. This coverage provides you with a defense in court which can cost a lot. It is affordable coverage compared to physical damage coverage, so insureds should have plenty of protection for their assets.

Lower rates with alarm systems – Driving a car that has a built-in theft deterrent system can get you a discount on your insurance. Systems that thwart thieves such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping car theft and help bring rates down.

Vehicles with better crash test results mean better premiums – Cars with five star safety ratings tend to have better insurance rates. Highly rated vehicles help reduce the chance of injuries in an accident and fewer serious injuries translates directly to fewer claims passed on to you as lower rates.

Costs are impacted by vehicle performance – The make and model of the vehicle you are insuring makes a big difference in your premium level. The lowest rates are for the lowest performance passenger cars, but the cost you end up paying is determined by many additional factors.

The following data is based on a married female driver age 30, full coverage with $100 deductibles, and no discounts or violations. It shows Ford Taurus policy rates compared to other vehicles that have a range of risk factors.

Never let your policy expire – Allowing your coverage to lapse will be a quick way to increase your rates. Not only will rates go up, getting caught without coverage will get you a license revocation or jail time. You may then have to submit proof of financial responsibility or a SR-22 with the California motor vehicle department to get your license reinstated.

High coverage deductibles equal low rates – The deductibles represent how much money you are willing to pay before your insurance pays a claim. Protection for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some instances where coverage would apply could be rear-ending another vehicle, animal collisions, and damage caused by road hazards. The more damage repair cost you choose to pay out-of-pocket, the less money you will pay for insurance.

Ford Taurus insurance loss data – Insurers take into consideration historical loss data for every vehicle when setting premium rates. Vehicles that the statistics show to have increased claim numbers or amounts will have higher premium rates.

The next table shows the insurance loss data for Ford Taurus vehicles. For each coverage type, the loss probability for all vehicles, as an average, is considered to be 100. Values that are 100 or less are indicative of better than average losses, while numbers shown that are more than 100 point to more claims or an increased probability of a larger loss.

To find the best car insurance rates, there are several ways to compare rate quotes from lots of California car insurance companies. The fastest way to find the cheapest Ford Taurus insurance rates is to use the internet to compare rates.

Doing price comparisons online is so simple that it makes it obsolete to spend time driving to and from local insurance agencies. Shopping for car insurance online makes this process obsolete unless you have a need for the professional guidance that only a licensed agent can provide. If you prefer, some companies allow you to price shop your coverage online but still have the advice of a local agent. It’s important to know that comparing more quotes increases the chance that you will find more affordable insurance.

The companies shown below can provide free rate quotes in California. If more than one company is shown, we recommend you visit several of them to get a more complete price comparison.

Insurance rate breakdown

The premium information shown next outlines a range of insurance policy prices for Ford Taurus models. Learning more about how car insurance premiums are calculated is important for you to make decisions on the best policy to buy.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Premium costs do not factor in vehicle location which can revise rates noticeably.

Deductible analysis

The hardest decision when buying coverage is how high or low should comp and collision deductibles be. The comparison tables below may aid in understanding the rate differences between high and low physical damage coverage deductibles. The first set of rates uses a $100 physical damage deductible and the second price chart uses a $500 deductible.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Rates do not factor in the specific area where the vehicle is garaged which can raise or lower prices noticeably.

Based on the data above, we can derive that using a $100 deductible will cost you roughly $35 more each month or $420 annually averaged for all Taurus models than choosing the higher $500 deductible. Because you would be required to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you average at a minimum 11 months between claims, you would probably be better off by selecting a higher deductible.

Why you need Ford Taurus insurance in California

Despite the high cost, insurance is required by state law in California and it also provides benefits you may not be aware of.

• Most states have minimum liability requirements which means you are required to carry a specific level of liability coverage in order to license the vehicle. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If you took out a loan on your Ford Taurus, almost all lenders will require that you buy insurance to ensure loan repayment if the vehicle is totaled. If you do not keep the policy in force, the lender will be forced to insure your Ford at a much higher rate and force you to reimburse them for the expensive policy.
• Insurance preserves your Ford Taurus and your assets. It will also reimburse you for medical bills for both you and anyone you injure as the result of an accident. Liability coverage also covers legal expenses if you cause an accident and are sued. If mother nature or an accident damages your car, collision and comprehensive (also known as other-than-collision) coverage will pay to restore your vehicle to like-new condition.

The benefits of carrying adequate insurance definitely exceed the cost, especially for larger claims. Today the average American driver overpays as much as $850 per year so smart consumers compare quotes each time the policy renews to make sure the price is not too high.

Get cheaper rates on Ford Taurus insurance in Los Angeles with these auto insurance discounts

Some insurance providers don’t always list every discount available very clearly, so the list below gives a summary of both the well known as well as the least known auto insurance savings.

• Claim Free – Insureds who avoid accidents and claims pay less when compared with policyholders that have many claims.
• Anti-lock Brake System – Cars that have anti-lock braking systems are much safer to drive and qualify for as much as a 10% discount.
• Passive Restraints and Air Bags – Options like air bags or automatic seat belts can receive discounts of more than 20%.
• Theft Deterrent System – Vehicles that have factory anti-theft systems are stolen with less frequency and therefore earn up to a 10% discount.
• Life Insurance Discount – If the company offers life insurance, you could get lower auto insurance rates if you buy life insurance from them.
• Onboard Data Collection – People who choose to allow their insurance company to study when and where they use their vehicle remotely such as Progressive’s Snapshot may see discounts as long as the data is positive.
• Senior Citizens – Seniors could receive a slight reduction on a Los Angeles auto insurance quote.
• Defensive Driving Course – Completing a defensive driving class could earn you a small percentage discount and also improve your driving technique.

Please keep in mind that some credits don’t apply to the whole policy. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. If you do the math and it seems like you can get free auto insurance, insurance companies wouldn’t stay in business. But all discounts should definitely cut your overall premium however.

The diagram below illustrates the difference between Ford Taurus car insurance costs with and without discounts applied to the premium. The price estimates are based on a male driver, no violations or accidents, California state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, homeowner, claim-free, safe-driver, and multi-policy discounts applied.

A list of companies and a selection of discounts can be found below.

• GEICO has discounts for seat belt use, driver training, emergency military deployment, anti-lock brakes, and military active duty.
• USAA offers discounts for safe driver, multi-policy, annual mileage, military installation, and driver training.
• Progressive has savings for multi-vehicle, online signing, homeowner, good student, continuous coverage, and online quote discount.
• American Family policyholders can earn discounts including multi-vehicle, mySafetyValet, defensive driver, TimeAway discount, and early bird.
• Esurance offers premium reductions for emergency road assistance, good driver, anti-theft, claim free, and anti-lock brakes.
• Farmers Insurance may have discounts that include homeowner, early shopping, teen driver, mature driver, and good student.
• State Farm includes discounts for multiple autos, multiple policy, student away at school, passive restraint, Drive Safe & Save, and Steer Clear safe driver discount.

When quoting, ask every company how you can save money. A few discounts may not apply to policyholders in Los Angeles. To choose companies with the best Ford Taurus insurance discounts in Los Angeles, click this link.

Do I need an insurance agent?

Many drivers would prefer to talk to an insurance agent and there is nothing wrong with that. One of the best bonuses of comparing insurance prices online is the fact that drivers can get cheap auto insurance quotes and still buy from a local agent.

To find an agent, once you fill out this form (opens in new window), your insurance data is sent to agents in your area who can give free rate quotes for your business. It makes it easy because there is no need to search for any insurance agencies because quoted prices will be sent to the email address you provide. You can most likely find cheaper rates and an insurance agent to talk to. In the event you want to get a comparison quote from one company in particular, just search and find their rate quote page and complete a quote there.

Picking the best provider requires you to look at more than just the price. Below are some questions you should ask.

• How are they compensated?
• Do you have coverage for a rental car if your vehicle is in the repair shop?
• Does the company allow you to choose your own collision repair facility?
• Is the agency covered by Errors and Omissions coverage?
• What company holds the largest book of business for them?
• Will they take your side in the event of a claim?
• Is the agency active in community causes in Los Angeles?
• What kind of financial rating does the company have?

If you want to buy auto insurance from local Los Angeles agents, there are two different agency structures and how they can service your needs differently. Agents in Los Angeles can be described as either independent or exclusive.

Exclusive Agents

Agents that elect to be exclusive work for only one company and examples are Allstate, Farmers Insurance, State Farm, and AAA. These agents are not able to place coverage with different providers so they really need to provide good service. These agents are highly trained on their company’s products and that can be a competitive advantage.

The following are exclusive insurance agents in Los Angeles that are able to give rate quotes.

More Los Angeles agents

Independent Agencies or Brokers

These agents are not limited to a single company so they can write business through many different auto insurance companies and potentially find a lower price. If you are not satisfied with one company, your agent can just switch to a different company and you stay with the same agent.

If you are trying to find cheaper rates, you absolutely need to include multiple independent agents to get the most accurate price comparison.

Listed below is a list of independent insurance agencies in Los Angeles that are able to give price quote information.

More Los Angeles agents

How to know if you need help

When choosing coverage online or from an agent, there really is no single plan that fits everyone. Everyone’s situation is a little different and a cookie cutter policy won’t apply.
These are some specific questions can help discover if your situation would benefit from an agent’s advice.

• Am I covered if I drive in a foreign country?
• Are split liability limits better than a combined single limit?
• What is the rate difference between pleasure use and commuting?
• Can I use my car for my catering business?
• Do I have coverage if my license is suspended?
• What is no-fault insurance?
• What is covered by UM/UIM coverage?
• Do I need special coverage while pulling a rented trailer?
• How high should my medical payments coverage be?

If you don’t know the answers to these questions, you might consider talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area.

Final considerations

We just presented quite a bit of information on how to reduce Ford Taurus insurance prices online in Los Angeles. It’s most important to understand that the more quotes you get, the higher the chance of saving money. You may even be surprised to find that the biggest savings come from the least-expected company. They may only write in your state and offer lower rates compared to the large companies like Allstate and Progressive.

As you shop your coverage around, it’s a bad idea to buy poor coverage just to save money. There have been many cases where an insured cut liability coverage limits only to regret that the small savings ended up costing them much more. Your aim should be to find the BEST coverage for the lowest price.

Additional auto insurance information can be found at the links below

• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Who Has the Cheapest Los Angeles Car Insurance Rates for a Ford Explorer? (FAQ)
• Who Has Cheap Los Angeles Auto Insurance Quotes for Postal Workers? (FAQ)
• Driving in Bad Weather (Insurance Information Institute)
• Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)
• Vehicle Size and Weight FAQ (iihs.org)
• Coverage Information (Progressive Insurance)