How to Save on Ford Taurus Insurance in Long Beach

Finding low cost rates for Ford Taurus insurance in Long Beach is slightly frustrating for drivers who have little experience online rate comparisons. There are so many different companies and agents to choose from that it can easily become a real challenge to find more affordable rates on Ford Taurus insurance.

How to find more affordable Ford Taurus insurance in Long Beach

To save the most money, the best way to save on Ford Taurus insurance is to regularly compare price quotes from insurers who provide car insurance in Long Beach.

Step 1: Take a little time to learn about auto insurance and the things you can change to drop your rates. Many factors that result in higher prices like at-fault accidents, careless driving, and an unacceptable credit rating can be amended by making minor driving habit or lifestyle changes. Keep reading for instructions to get better rates and get additional discounts that may have been overlooked.

Step 2: Obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can provide rates from one company like GEICO and Allstate, while independent agents can provide prices for a wide range of insurance providers. View a list of agents

Step 3: Compare the price quotes to your current policy premium to see if a cheaper rate is available in Long Beach. If you find a lower rate and change companies, make sure the effective date of the new policy is the same as the expiration date of the old one.

Step 4: Provide written notification to your current company to cancel your current coverage and submit any necessary down payment along with the completed application to your new carrier. Once coverage is bound, put the new proof of insurance paperwork in an easily accessible location in your vehicle.

The most important part of shopping around is to make sure you enter identical limits and deductibles on each quote request and and to get rate quotes from every company you can. This enables a level playing field and a complete rate analysis.

Shocking but true, the vast majority of drivers renewed their policy with the same company for well over three years, and just under half have never shopped around. With the average car insurance premium being $1,387, California drivers can save up to $469 each year just by comparing rates, but they don’t know the actual amount they would save if they switched to a cheaper policy.

It’s important to compare prices every six months since prices tend to go up over time. Even if you got the best price on Ford Taurus insurance in Long Beach last year there is a good chance you can find better rates now. Block out anything you think you know about car insurance because you’re about to learn one of the quickest ways to save on car insurance.

Our objective is to instruct you on how car insurance companies work and how you can save the most money. If you are paying for car insurance now, you will be able to reduce premiums using the ideas presented in this article. But California car owners can benefit from knowing the methods companies use to calculate your policy premium because it can help you find the best coverage.

How Insurance Providers Determine Ford Taurus Insurance Costs

Multiple criteria are considered when quoting car insurance. Some are pretty understandable such as traffic violations, but other criteria are not quite as obvious like your vehicle usage or how financially stable you are. Part of the auto insurance buying process is learning some of the elements that play a part in calculating your premiums. If you know what influences your rates, this empowers consumers to make smart changes that will entitle you to better auto insurance rates.

The itemized list below are a partial list of the pieces used by your company to calculate rates.

• Only buy coverage you need – There are quite a few add-on coverages that may not really be needed if you don’t pay attention. Add-on coverages like roadside assistance, accidental death, and motor club memberships may be costing you every month. These may sound like a good investment initially, but if you have no use for them consider taking them off your policy.
• Pay less with a high safety rating – Safe vehicles cost less to insure. Highly rated vehicles help reduce the chance of injuries in an accident and better occupant protection means your insurance company pays less and cheaper rates on your policy. If your Ford Taurus has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may cost less to insure.

• Lower performance equals lower insurance prices – The performance level of the car or truck you drive makes a significant difference in how high your rates are. The lowest premiums will normally be found when insuring lower cost passenger cars, but many other things help determine your insurance rates.

  The next chart uses these variables: single female driver age 30, full coverage with $250 deductibles, and no discounts or violations. The data compares Ford Taurus insurance rates compared to other makes and models that have different performances.

• Put fewer miles on your vehicle – The more you drive your Ford each year the more you’ll pay to insure your vehicle. A lot of insurance companies charge rates based upon how the vehicle is primarily used. Cars and trucks that sit idle most of the time receive lower rates than vehicles that are driven to work every day. It’s a good idea to make sure your auto insurance policy correctly shows the correct usage. A policy that improperly rates your Taurus can cost quite a bit.
• Deter car thieves – Selecting a car model that has a built-in theft deterrent system can get you a discount on your auto insurance. Systems that thwart thieves such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help prevent your car from being stolen.
• Don’t let your policy lapse – Allowing your auto insurance policy to lapse is a guaranteed way to increase your auto insurance rates. Not only will you pay more, the inability to provide proof of insurance could result in a hefty fine and possibly a revoked license. You may need to file a SR-22 with the California department of motor vehicles.

• Ford Taurus claim statistics – Auto insurance companies analyze the history of losses to help determine prices. Vehicles that have increased losses will have increased rates. The information below illustrates the insurance loss data for Ford Taurus vehicles.

  For each insurance policy coverage type, the claim amount for all vehicles, as an average, is represented as 100. Values below 100 indicate a favorable loss history, while values that are 100 or greater point to more losses or an increased chance of a larger loss.

  
  

  Insurance Loss Ratings for Ford Taurus Vehicles

  Vehicle 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: Insurance Institute for Highway Safety for 2013-2015 Model Years

Detailed insurance information

The data table below highlights different insurance prices for Ford Taurus models. Learning as much as possible about how insurance policy premiums are established can be valuable when making smart choices when purchasing an auto insurance policy.

Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Premium costs do not factor in zip code location which can influence prices considerably.

Policy deductibles

One of the hardest decisions when shopping for insurance is what deductibles to buy. The following insurance rates show the cost difference between low and high deductibles. The first rate estimation uses a $250 deductible for comprehensive and collision coverage and the second rate chart uses a $1,000 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Rates do not factor in specific garaging location which can decrease or increase coverage rates significantly.

We can derive from the above data that using a $250 deductible would cost the average driver about $37 more each month or $444 every year across all Ford Taurus models than choosing the higher $1,000 deductible. Because you would pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to go at a minimum 20 months between claims, you would save money if you opt for a higher deductible.

One big caveat is that a higher deductible level results in more money out-of-pocket when you have to file a claim. That will require enough money put aside in order to pay more to get your vehicle repaired.

The diagram below highlights how deductible choice and can affect Ford Taurus premium costs for different ages of insureds. The premium estimates are based on a single female driver, comprehensive and collision coverage, and no other discounts are factored in.

Insurance rate increases from tickets or accidents

The illustration below demonstrates how speeding tickets and accidents can impact Ford Taurus car insurance costs for different ages of insureds. The premiums are based on a married male driver, comp and collision included, $500 deductibles, and no discounts are applied.

Ford Taurus insurance premiums by gender and age

The diagram below shows the difference between Ford Taurus yearly insurance costs for male and female drivers. The rate quotes are based on no claims, a clean driving record, comp and collision included, $250 deductibles, single marital status, and no policy discounts are applied.

Full coverage versus liability only rates

The chart below shows the difference between Ford Taurus insurance premiums with and without physical damage coverage. Data assumes no tickets, no at-fault accidents, $1,000 deductibles, single marital status, and no additional discounts are factored in.

When to drop comp and collision

There isn’t a steadfast formula of when to stop paying for full coverage on your policy, but there is a guideline you can use. If the yearly cost for physical damage coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to think about dropping full coverage.

For example, let’s assume your Ford Taurus replacement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company would pay you is $8,000 after the policy deductible has been paid. If you are paying over $800 a year to have full coverage, then you may want to consider only buying liability coverage.

There are some situations where removing full coverage is not advised. If you haven’t paid off your loan, you have to carry full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should keep full coverage on your policy.

Discounts can help to save on Ford Taurus insurance in Long Beach

The cost of insuring your cars can be expensive, but you might be missing out on some discounts that you may not even know about. Larger premium reductions will be automatically applied at the time of quoting, but some may not be applied and must be specially asked for prior to getting the savings.

• Passive Restraints and Air Bags – Cars that have air bags can get savings as much as 30%.
• Resident Student – Older children who live away from home to go to college and do not have a car could get you a discount.
• ABS Brakes – Cars, trucks, and SUVs with ABS braking systems or traction control have fewer accidents so you can save 10 percent or more.
• Anti-theft System – Cars optioned with advanced anti-theft systems have a lower chance of being stolen and will save you 10% or more on Taurus insurance in Long Beach.
• Discounts for Federal Employees – Federal government employees could provide a small rate reduction with some car insurance companies.
• Early Signing – Some companies provide a discount for buying a policy before your current Taurus insurance policy expires. You could save around 10% when you buy Long Beach car insurance online.
• Clubs and Organizations – Being in a professional or civic organization may earn a discount on your bill.

As a disclaimer on discounts, some of the credits will not apply to the entire policy premium. The majority will only reduce specific coverage prices like liability, collision or medical payments. So when it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way.

The chart below compares Ford Taurus premium costs with and without discounts applied to the rates. The rates are based on a male driver, no claims or driving citations, California state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, marriage, multi-car, claim-free, and multi-policy discounts applied.

To see companies that offer discounts in California, follow this link.

Auto insurance companies ranked

Ending up with the best insurance company is hard considering how many different companies sell coverage in Long Beach. The company information shown below may help you decide which car insurance providers to look at purchasing coverage from.

Top 10 Long Beach Car Insurance Companies Overall

1. USAA
2. American Family
3. AAA of Southern California
4. State Farm
5. The Hartford
6. AAA Insurance
7. GEICO
8. The General
9. Titan Insurance
10. Progressive

Top 10 Long Beach Car Insurance Companies Ranked by Value

1. USAA
2. American Family
3. The Hartford
4. AAA of Southern California
5. Titan Insurance
6. The General
7. AAA Insurance
8. State Farm
9. Mercury Insurance
10. Nationwide

Cheap auto insurance prices are available

Insureds leave their current company for a variety of reasons including high rates after DUI convictions, unfair underwriting practices, an unsatisfactory settlement offer and even questionable increases in premium. It doesn’t matter what your reason, finding a great new company is pretty easy and you might even save some money in the process.

When trying to cut insurance costs, it’s not a good idea to buy poor coverage just to save money. There have been many situations where someone sacrificed uninsured motorist or liability limits only to find out that it was a big mistake. The ultimate goal is to buy a smart amount of coverage at the lowest possible cost, but do not skimp to save money.

Budget-conscious Ford Taurus insurance can be sourced both online and also from your neighborhood Long Beach agents, and you need to comparison shop both so you have a total pricing picture. Some auto insurance companies may not provide internet price quotes and usually these regional insurance providers only sell through local independent agents.

Steps to finding cheaper Ford Taurus insurance in Long Beach

Really, the only way to get low-cost Ford Taurus insurance is to regularly compare quotes from insurers who sell auto insurance in Long Beach. This can be done by following these guidelines.

1. Spend a few minutes and learn about what coverages are included in your policy and the things you can change to prevent rate increases. Many policy risk factors that increase rates like traffic citations, accidents, and a poor credit score can be remedied by making minor changes in your lifestyle.
2. Obtain price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give rate quotes from a single company like GEICO and Allstate, while independent agents can provide rate quotes for many different companies.
3. Compare the new rate quotes to your current policy to determine if you can save on Taurus insurance. If you can save some money and switch companies, make sure there is no coverage gap between policies.

One thing to remember is to make sure you enter the same level of coverage on each quote and and to get prices from as many carriers as you can. Doing this ensures an apples-to-apples comparison and maximum price selection.

Even more information can be read in the articles below:

• Prepare your Teens for Safe Driving (InsureUonline.org)
• What Insurance is Cheapest for a Nissan Rogue in Long Beach? (FAQ)
• What Insurance is Cheapest for a Ford Escape in Long Beach? (FAQ)
• Who Has the Cheapest Car Insurance Quotes for Drivers Over Age 50 in Long Beach? (FAQ)
• Parking Tips to Reduce Door Dings (State Farm)
• Frontal Crash Tests (iihs.org)
• Booster Seat Ratings (iihs.org)
• How to shop for a safer car (Insurance Institute for Highway Safety)