Compare Ford Taurus Insurance Quotes in Dallas

It’s easy to assume that car insurance companies don’t want customers comparing rates. Insureds who shop around for better prices will most likely buy a different policy because they have good chances of finding a more affordable policy. A recent car insurance study discovered that consumers who made a habit of comparing rate quotes saved approximately $3,500 over four years compared to drivers who didn’t regularly shop around.

If finding the lowest price on car insurance in Dallas is why you’re reading this, learning how to shop and compare coverages can save money and time.

The preferred way to find better pricing on auto insurance rates is to compare quotes once a year from insurance carriers who sell insurance in Dallas.

1. Gain an understanding of how insurance companies determine prices and the measures you can take to keep rates low. Many policy risk factors that are responsible for high rates such as at-fault accidents, careless driving, and bad credit can be remedied by making minor driving habit or lifestyle changes. Later in this article we will cover instructions to prevent expensive rate increases and find hidden discounts.
2. Compare prices from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can provide rates from a single company like GEICO or State Farm, while independent agencies can quote prices from multiple sources.
3. Compare the price quotes to your existing policy and determine if cheaper Taurus coverage is available. If you find better rates, make sure the effective date of the new policy is the same as the expiration date of the old one.

A good tip to remember is to compare similar limits and deductibles on each quote request and and to compare as many auto insurance providers as possible. This provides an accurate price comparison and a good representation of prices.

If you are paying for car insurance now, you will surely be able to lower your rates using this information. Locating the most cost-effective insurance policy in Dallas is really quite easy. Although Texas consumers can benefit by having an understanding of how insurance companies determine how much to charge because rates fluctuate considerably.

Most major insurance companies provide pricing direct online. Comparing prices online for Ford Taurus insurance in Dallas is quite easy as you simply enter the coverage amounts you desire into a form. Upon sending the form, their quoting system automatically orders your driving record and credit report and quotes a price. This helps simplify price comparisons, and it’s necessary to get many rate quotes if you want to get the cheapest price.

To quickly find out how much you’re overpaying now, visit the companies below or click here to submit a quote request to multiple companies at once. To compare your current rates, we recommend that you enter the insurance coverages identical to your current policy. This ensures you will have a price comparison for similar coverage.

The companies in the list below are our best choices to provide comparison quotes in Dallas, TX. If multiple providers are shown, we recommend you visit as many as you can to get the most affordable price.

Determine discounts on Dallas insurance

Auto insurance companies do not list every possible discount very well, so the list below contains a few of the more well known as well as the least known credits available to lower your premiums when you buy Dallas car insurance online.

• Paper-free Discount – Many insurance companies may give you up to $50 for buying a policy and signing up on their website.
• Early Switch Discount – Some companies give discounts for buying a policy before your current Taurus insurance policy expires. The savings is around 10%.
• Federal Employees – Employees or retirees of the government can earn a discount up to 10% but check with your company.
• Life Insurance Discount – Not every insurance company offers life insurance, but if they do you may earn lower premium rates if you buy some life insurance in addition to your auto policy.
• 55 and Retired – Seniors may qualify for lower premium rates.
• Active Service Discounts – Being deployed with a military unit could mean lower prices.
• Good Drivers – Insureds who avoid accidents can pay as much as 50% less than less cautious drivers.
• Pay Early and Save – If you can afford to pay the entire bill instead of making monthly payments you may have a lower total premium amount.
• Multi-car Discount – Buying a policy with multiple cars with one company can reduce rates for all insured vehicles.
• Homeowners Savings – Owning a house in Dallas can earn you a little savings because of the fact that having a home means you have a higher level of financial diligence.

Please keep in mind that most discounts do not apply to all coverage premiums. Most only cut individual premiums such as liability and collision coverage. So despite the fact that it appears it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

The information below illustrates the difference between Ford Taurus car insurance rates with and without discounts. The costs are based on a female driver, a clean driving record, no at-fault accidents, Texas 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 multi-car, homeowner, claim-free, multi-policy, safe-driver, and marriage discounts applied.

To see a list of insurers with the best discounts in Texas, click this link.

Coverage information

The information below outlines detailed analysis of coverage costs for Ford Taurus models. Being able to understand how rate quotes are established can help guide drivers when making decisions on which insurance to purchase.

Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Rate information does not factor in zip code location which can raise or lower coverage prices noticeably.

Insurance deductibles

A question often asked by Dallas drivers is where should you set your physical damage deductibles. The premium rates below approximate the cost difference when you select higher and lower coverage deductibles. The first set of rates uses a $250 deductible and the second pricing table uses a $1,000 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Price information does not factor in specific garaging location which can influence coverage rates substantially.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you about $32 more each month or $384 each year than requesting the higher $1,000 deductible. Because you would pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go at least 23 months between claim filings, you would save more money by selecting a higher deductible.

The diagram below demonstrates how deductible levels and can influence Ford Taurus annual premium costs for each different age category. The rates are based on a married male driver, comp and collision included, and no discounts are applied.

Ford Taurus liability rates compared to full coverage

The chart below visualizes the comparison of Ford Taurus auto insurance rates when comparing full coverage to liability only. The premiums assume a clean driving record, no at-fault accidents, $500 deductibles, single status, and no policy discounts are applied.

When to stop buying comprehensive and collision coverage

There is no written rule of when to eliminate physical damage coverage, but there is a general convention. If the yearly cost for physical damage coverage is more than around 10% of the replacement cost minus the deductible, then it could be time to drop full coverage.

For example, let’s pretend your Ford Taurus settlement value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, you would only receive $6,000 after paying your policy deductible. If you are paying more than $600 annually for full coverage, then it could be time to drop full coverage.

There are a few situations where buying only liability insurance is not advised. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage to protect the lienholder’s interest in the vehicle. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should not consider dropping full coverage.