Affordable Insurance for a Ford Taurus in Sacramento

Discount Ford Taurus insuranceDo you need a better way to compare more competitive Ford Taurus insurance in Sacramento? Locating cheaper insurance for a Ford Taurus in California could be a painful process, but you can use a few tricks to find lower rates. There is a better way to shop for insurance so you’re going to learn the best way to quote coverages for a new or used Ford and obtain the lowest price from Sacramento insurance agents and online providers.

It’s a great practice to get comparison quotes occasionally due to the fact that insurance prices change frequently. If you had the lowest price on Ford Taurus insurance in Sacramento at your last renewal a different company probably has better rate quotes today. Ignore everything you know about insurance because you’re going to get a crash course in the fastest and easiest way to remove unneeded coverages and save money.

Affordable companies for Ford Taurus insurance in California

The providers in the list below provide quotes in Sacramento, CA. If you want to find the best car insurance in CA, we recommend you visit several of them to find the lowest car insurance rates.

Insurance coverage analysis

The coverage table below highlights different rate quotes for Ford Taurus models. Learning as much as possible about how insurance rates are determined is important for you to make decisions on the best policy to buy.

Ford Taurus Insurance Rates in Sacramento, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Taurus SE $270 $478 $500 $30 $150 $1,428 $119
Taurus SEL $300 $564 $500 $30 $150 $1,544 $129
Taurus SEL AWD $300 $564 $500 $30 $150 $1,544 $129
Taurus Limited $300 $564 $500 $30 $150 $1,544 $129
Taurus Limited AWD $300 $648 $500 $30 $150 $1,628 $136
Taurus SHO AWD $330 $648 $500 $30 $150 $1,658 $138
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Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Rate information does not factor in your specific Sacramento location which can increase or decrease premiums significantly.

Yearly auto insurance costs for men versus women

The chart below compares Ford Taurus yearly insurance costs for male and female drivers. Data assumes no claims, a clean driving record, comp and collision included, $1,000 deductibles, drivers are single, and no discounts are applied.

Sacramento Insurance Premiums are Influenced by These Factors

Many things are used in the calculation when quoting car insurance. A few of the factors are predictable like an MVR report, but other criteria are more transparent such as your marital status or your vehicle rating.

The following are some of the items companies use to determine premiums.

Cheaper rates using alarm systems – Purchasing a vehicle with anti-theft technology or alarm system can get you a discount on your auto insurance. Advanced theft deterrents like GM’s OnStar, tamper alarm systems and vehicle immobilizers help track and prevent car theft and help bring rates down.

High claims frequency drives up rates – Companies in California provide better rates to drivers that do not abuse their auto insurance. If you tend to file frequent claims, you can pretty much guarantee either policy cancellation or increased premiums. Insurance coverage is designed for the bigger claims that can’t be paid out-of-pocket.

Your credit score is important – Credit score will be a significant factor in calculating your auto insurance rates. People with very good credit scores tend to be less risk to insure than drivers who have lower credit ratings. Therefore, if your credit rating is lower than you’d like, you may save money insuring your Ford Taurus by spending a little time repairing your credit.

Cheaper auto insurance rates for prior coverage – Allowing your coverage to lapse will be a quick way to increase your auto insurance rates. Not only will rates go up, failure to provide proof of insurance may earn you a fine, jail time, or a revoked license. You may then have to prove you have insurance by filing a SR-22 with the California department of motor vehicles.

Rural vs Urban Areas – Having an address in less populated areas of the country is a good thing if you are looking for the lowest rates. Less people means a lower chance of having an accident in addition to fewer liability claims. Drivers who live in large California cities regularly have much more traffic and longer commutes to work. More time behind the wheel means a statistically higher chance of an accident.

More performance means higher rates – The performance level of the car, truck or SUV you drive makes a big difference in your rates. Lower cost passenger cars normally have pretty low rates, but your final cost has many other factors.

The following chart is based on a married male driver age 40, full coverage with $100 deductibles, and no discounts or violations. It shows Ford Taurus car insurance rates compared to other models of vehicles that have a range of risk factors.

Lower rates come with age – Inexperience drivers tend to be inattentive and easily distracted with other occupants in the car so they pay higher auto insurance rates. Having to add a beginning driver onto your auto insurance can increase premiums substantially. Mature drivers are more responsible, file fewer claims, and are safer drivers.

The following chart assumes a single driver, full coverage with $250 deductibles, and no discounts or violations.

Obey driving laws and save – Getting just one driving citation may cause rates to rise twenty percent or more. Good drivers get better rates compared to drivers with tickets. Drivers unfortunate enough to have serious citations like DUI, reckless driving or excessive speeding may face state-mandated requirements to file a SR-22 with their state DMV in order to legally drive.

The information below demonstrates how citations and at-fault claims can impact Ford Taurus auto insurance rates for each different age category. The information is based on a single female driver, full coverage, $100 deductibles, and no discounts are factored in.

Insurance loss data for Ford Taurus vehicles – Insurance companies analyze past claim statistics to help determine rates. Models that have a higher amount or frequency of claims will cost more for specific coverages. The data below shows the insurance loss data for Ford Taurus vehicles.

For each policy coverage, the loss probability for all vehicles compiled together is considered to be 100. Values under 100 represent a good loss history, while values that are 100 or greater indicate higher probability of having a loss or tendency to have larger claims.

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

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

Earn discounts to get lower-cost Sacramento car insurance rates

Some insurers don’t always advertise every available discount in an easy-to-find place, so the following is a list of some of the more common and also the more inconspicuous savings tricks you should be using when you buy Sacramento auto insurance online. If you check and find you aren’t receiving every discount you deserve, you are not getting the best rate possible.Discount car insurance

Policy discounts save money, but some credits don’t apply to the overall cost of the policy. Some only reduce individual premiums such as medical payments or collision. So even though they make it sound like you can get free auto insurance, company stockholders wouldn’t be very happy.

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

If you would like to view companies who offer free Ford Taurus insurance quotes in Sacramento, follow this link.

Auto insurance agents can help

Certain consumers just want to sit down with an agent and that is just fine! Agents are trained risk managers and will help you if you have claims. A good thing about getting free rate quotes online is that drivers can save money and get cheap rate quotes and also buy local.

Sacramento insurance agentsTo make it easy to find an agent, after completing this simple form, your information is submitted to companies in Sacramento who will give competitive quotes and help you find cheaper coverage. It’s much easier because you don’t need to leave your house due to the fact that quote results will go directly to you. In the event you want to quote rates for a specific company, don’t hesitate to visit that company’s website to submit a rate quote request.

Picking the best insurance company shouldn’t rely on just the bottom line cost. The following questions are important to ask.

If you want to buy auto insurance from a local Sacramento insurance agency, it can be helpful to understand the types of insurance agents and how they function. Auto insurance policy providers are either independent (non-exclusive) or exclusive. Both write policy coverage, but it’s worth learning the subtle differences since it can impact which type of agent you select.

Exclusive Auto Insurance Agents

Agents of this type write business for a single company such as Farmers Insurance and State Farm. They are unable to compare other company’s rates so you need to shop around if the rates are high. Exclusive agents receive extensive training on what they offer which helps offset the inability to provide other markets. Some consumers prefer to choose to use a exclusive agent mostly because of the prominence of the brand instead of buying on price only.

Shown below are Sacramento exclusive agents that are able to give rate quotes.

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Independent Agencies or Brokers

Agents in the independent channel are normally appointed by many insurers so they can insure your vehicles through many companies and find you cheaper rates. If they find a lower price, your agent can switch companies and you can keep the same agent. When comparing rates, we highly recommend that you get several quotes from independent agents so that you have a good selection of quotes to compare. Most also write with lesser-known insurance companies that may provide cheaper auto insurance rates.

The following are independent agencies in Sacramento who can help you get price quote information.

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Once you have good answers for all questions you ask as well as a price you’re happy with, you have narrowed it down to a car insurance agent that meets the requirements to insure your vehicles. But keep in mind you are entitled to terminate your policy for any reason so don’t assume you’re contractually obligated to a policy for any length of time.

Sacramento auto insurance companies

Ending up with the best car insurance provider is hard considering how many companies sell coverage in Sacramento. The information below may help you pick which car insurance companies to look at when looking for cheaper rates.

Top 10 Sacramento 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 Sacramento Car Insurance Companies Ranked by Customer Satisfaction

  1. Titan Insurance – 95%
  2. USAA – 94%
  3. AAA of Southern California – 92%
  4. AAA Insurance – 91%
  5. Nationwide – 90%
  6. State Farm – 90%
  7. The Hartford – 89%
  8. GEICO – 89%
  9. The General – 88%
  10. 21st Century – 88%

Be persistent and save

Throughout this article, we presented a lot of techniques to shop for Ford Taurus insurance online. It’s most important to understand that the more quotes you get, the more likely it is that you will get a better rate. You may even be surprised to find that the lowest car insurance rates come from the smaller companies.

Insureds leave their current company for any number of reasons including not issuing a premium refund, policy cancellation, high prices or even delays in paying claims. Whatever your reason, finding a great new company can be easy and end up saving you some money.

As you prepare to switch companies, you should never sacrifice coverage to reduce premiums. In many instances, someone dropped comprehensive coverage or liability limits and learned later they didn’t purchase enough coverage. Your aim should be to purchase a proper amount of coverage at a price you can afford but still have enough coverage for asset protection.

Steps to finding more affordable Ford Taurus insurance in Sacramento

If saving the most money is your goal, then the best way to find low-cost prices for Ford Taurus insurance in Sacramento is to compare prices once a year from insurers in California.

First, it will benefit you to learn about what coverages are included in your policy and the measures you can control to prevent expensive coverage. Many rating criteria that increase rates like high-risk driving behaviors and poor credit rating can be eliminated by paying attention to minor details.

Second, compare rates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only provide price estimates from a single company like GEICO or State Farm, while agents who are independent can provide prices for many different companies.

Third, compare the new rate quotes to the premium of your current policy to see if cheaper Taurus coverage is available in Sacramento. If you find a lower rate quote and buy the policy, make sure there is no lapse between the expiration of your current policy and the new one.

An important part of this process is that you use identical limits and deductibles on each price quote and and to compare as many different insurance providers as possible. Doing this guarantees a level playing field and plenty of rates choose from.

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