Affordable Insurance for a Ford Taurus in Mesa

Insurance for Ford TaurusGetting cheap Mesa Ford Taurus insurance quotes may be somewhat intimidating for people who are beginners to quoting and comparing prices online. With so many insurance agents and insurers to choose from, how can people have time to compare every possible option in order to find the cheapest price possible?

It’s well known that auto insurance companies don’t want you comparing rates. Consumers who compare rates annually will presumably buy a new policy because of the high probability of finding coverage at a cheaper rate. A recent survey found that people who routinely compared quotes saved on average $3,400 over four years as compared to drivers who never compared rates.

If finding the most affordable Ford Taurus insurance is your goal, then learning about how to find and compare insurance premiums can help you succeed in saving money.

Consumers should take time to check car insurance prices before your next renewal because car insurance prices change quite often. If you had the best deal on Ford Taurus insurance in Mesa a few years ago you will most likely find a better rate today. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to how to quote online to properly buy coverages while reducing your premium.

Finding the cheapest auto insurance coverage in Mesa can really be easy if you know what you’re doing. Just about everyone who requires lower cost auto insurance stands a good chance to be able to find better rates. Although Arizona car owners do need to learn how insurance companies set your policy premium and take advantage of how the system works.

When shopping for affordable Mesa car insurance quotes, there are a couple of ways to compare quotes from different companies. One of the best ways to find the cheapest Ford Taurus insurance rates is to perform an online rate comparison. When quoting insurance, remember that obtaining a wide range of quotes helps improve the odds of finding more affordable rates. Not every company does online rate quotes, so you also need to get quotes on coverage from those companies, too.

The companies shown below provide quotes in Mesa, AZ. If multiple companies are listed, we suggest you compare several of them in order to find the cheapest rates.

Affordable rates on Ford Taurus insurance in Mesa with these ten insurance discounts

Companies that sell car insurance do not list all their discounts very well, so below is a list both the well known and also the more inconspicuous credits available to you.Cheaper insurance with discounts

As is typical with insurance, some credits don’t apply to the entire policy premium. The majority will only reduce specific coverage prices like collision or personal injury protection. Despite the appearance that you would end up receiving a 100% discount, it just doesn’t work that way.

The chart below illustrates the comparison of Ford Taurus insurance rates with and without discounts applied to the policy rates. The prices are based on a female driver, no driving violations, no at-fault accidents, Arizona 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 marriage, multi-car, homeowner, safe-driver, multi-policy, and claim-free discounts applied.

A list of companies and their offered discounts can be read below.

When comparing rates, check with each insurance company which discounts they offer. Some of the earlier mentioned discounts may not apply to policyholders in your area. To view insurers who offer discounts in Arizona, click here to view.

Ford Taurus coverage analysis

The price information displayed below showcases different rate quotes for Ford Taurus models. Being more informed about how policy premiums are calculated is important to be able to make smart buying decisions.

Ford Taurus Insurance Rates in Mesa, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Taurus SE $250 $456 $338 $20 $102 $1,166 $97
Taurus SEL $278 $538 $338 $20 $102 $1,276 $106
Taurus SEL AWD $278 $538 $338 $20 $102 $1,276 $106
Taurus Limited $278 $538 $338 $20 $102 $1,276 $106
Taurus Limited AWD $278 $620 $338 $20 $102 $1,358 $113
Taurus SHO AWD $308 $620 $338 $20 $102 $1,388 $116
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Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Information does not factor in vehicle location which can influence premium rates substantially.

Choosing deductibles

A question often asked by Mesa drivers is how high should the physical damage coverage deductibles be. The tables below may help to illustrate the price difference when you choose different policy deductibles. The first data set uses a $250 physical damage coverage deductible and the second rate table uses a $500 deductible.

Ford Taurus insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Taurus SE $262 $390 $300 $18 $90 $1,085 $90
Taurus SEL $292 $460 $300 $18 $90 $1,185 $99
Taurus SEL AWD $292 $460 $300 $18 $90 $1,185 $99
Taurus Limited $292 $460 $300 $18 $90 $1,185 $99
Taurus Limited AWD $292 $530 $300 $18 $90 $1,255 $105
Taurus SHO AWD $322 $530 $300 $18 $90 $1,285 $107
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Ford Taurus insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Taurus SE $212 $314 $300 $18 $90 $934 $78
Taurus SEL $236 $370 $300 $18 $90 $1,014 $85
Taurus SEL AWD $236 $370 $300 $18 $90 $1,014 $85
Taurus Limited $236 $370 $300 $18 $90 $1,014 $85
Taurus Limited AWD $236 $428 $300 $18 $90 $1,072 $89
Taurus SHO AWD $262 $428 $300 $18 $90 $1,098 $92
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Premium costs do not factor in vehicle garaging location which can change coverage rates considerably.

We can derive from the above data that using a $250 deductible would cost the average driver about $14 more each month or $168 each year than selecting the higher $500 deductible. Since you would have to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you tend to average at least 18 months between claim filings, you would more than likely save some money if you elect the higher deductible.

Illustration showing the impact of accidents and violations

The illustration below illustrates how violations and at-fault collisions can drive up Ford Taurus insurance rates for different age categories. The costs are based on a married male driver, full coverage, $250 deductibles, and no policy discounts are applied.

Full coverage or liability only

The illustration below visualizes the comparison of Ford Taurus insurance premiums with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums assume no driving violations, no at-fault accidents, $1,000 deductibles, marital status is single, and no discounts are factored in.

Are you wasting money paying for full coverage?

There is no exact formula to delete comp and collision coverage, but there is a general convention. If the annual cost of having full coverage is more than about 10% of the settlement you would receive from your company, then it might be time to buy liability only.

For example, let’s assume your Ford Taurus claim settlement value is $6,000 and you have $1,000 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 you are paying over $500 a year for full coverage, then it’s probably a good time to buy liability coverage only.

There are some scenarios where dropping full coverage is not advised. If you haven’t satisfied your loan, you have to maintain full coverage to satisfy the loan requirements. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should keep full coverage in place.

Local Mesa insurance agents and auto insurance

Some people would rather talk to a local agent and that is a personal choice. The best thing about comparing rates online is that you can find the lowest rates and still have an agent to talk to.

To make it easy to find an agent, after completing this short form, your insurance data is instantly submitted to local insurance agents that give free quotes for your insurance coverage. You won’t need to even leave your home because prices are sent to your email. You can find lower rates without a big time investment. In the event you want to compare prices from a particular provider, you can always visit that company’s website and fill out their quote form.

Deciding on an insurer should depend on more than just the quoted price. The following questions are important to ask.

What type of Mesa car insurance agent is right for you?

If you need to find a reliable insurance agent, you need to know there are two types of agencies and how they are distinctly different. Auto insurance agents in Mesa may be either independent agents or exclusive agents.

Exclusive Auto Insurance Agents

Agents that elect to be exclusive can only provide one company’s prices like American Family, State Farm, and Allstate. They usually cannot give you multiple price quotes so if the price isn’t competitive there isn’t much they can do. They are very knowledgeable on what they offer which helps them sell on service rather than price. Drivers often choose to use a exclusive agent mainly due to the prominence of the brand and the convenience of having all coverages with one company.

Shown below are Mesa exclusive agents that are able to give price quote information.

More insurance agents

Independent Insurance Agents

Independent insurance agents do not work for one specific company so they can write business with a variety of different insurance companies enabling the ability to shop coverage around. To move your coverage to a new company, an independent agent can move your coverage which makes it simple for you.

When shopping rates, you will want to compare prices from several independent insurance agents to maximize your price options. They often place coverage with different regional companies which may provide better rates.

Listed below is a short list of independent agencies in Mesa that are able to give comparison quotes.

More insurance agents

After getting good responses to your questions as well as low cost Ford Taurus insurance quotes, you may have found a car insurance agent that meets the requirements to provide auto insurance coverage. It’s important to know that it’s your policy and you can cancel your coverage for any reason so never feel you’re contractually obligated to any specific company for a certain time period.

What insurance coverages do I need?

When quoting and comparing proper insurance coverage for your personal vehicles, there is no one size fits all plan. You are unique and a cookie cutter policy won’t apply.Auto insurance savings
For instance, these questions may help you determine whether you could use an agent’s help.

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

Specific coverages for a Ford Taurus

Understanding the coverages of your insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy. Shown next are the usual coverages offered by insurance companies.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Taurus.

Since a lot of drivers have only the minimum liability required by law (15/30/10 in Arizona), their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Auto collision coverage

This pays for damage to your Taurus from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things such as crashing into a building, rolling your car, sideswiping another vehicle, backing into a parked car and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible on your Taurus in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision)

This pays for 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 claims like a broken windshield, theft and vandalism. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability auto insurance

Liability coverage provides protection from damage or injury you incur to other’s property or people that is your fault. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 15/30/10 which stand for $15,000 in coverage for each person’s injuries, a per accident bodily injury limit of $30,000, and property damage coverage for $10,000.

Liability coverage protects against claims like structural damage, medical expenses, loss of income, funeral expenses and repair costs for stationary objects. How much coverage you buy is up to you, but you should buy as large an amount as possible. Arizona state law requires minimum liability limits of 15/30/10 but you should think about purchasing better liability coverage.

The illustration below shows why buying minimum limits may not provide adequate coverage.

Insurance for medical payments

Med pay and PIP coverage pay for immediate expenses for things like chiropractic care, doctor visits, rehabilitation expenses, ambulance fees and X-ray expenses. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Quote. Compare. Save.

A few companies do not provide online price quotes and usually these small, regional companies only sell through local independent agencies. Budget-friendly auto insurance in Mesa is possible online in addition to many Mesa insurance agents, so you should compare both so you have a total pricing picture.

While you’re price shopping online, you should never buy lower coverage limits just to save a few bucks. There have been many situations where an insured dropped collision coverage and found out when filing a claim that they should have had better coverage. The goal is to purchase plenty of coverage at an affordable rate, but don’t skip important coverages to save money.

How to find affordable Ford Taurus insurance in Mesa

Really, the only way to find cheaper prices for Ford Taurus insurance is to compare prices once a year from different companies that sell auto insurance in Mesa. Drivers can shop around by following these steps.

  1. Read about how car insurance works and the changes you can make to keep rates down. Many things that cause high rates such as accidents, careless driving, and an unacceptable credit rating can be amended by making lifestyle changes or driving safer.
  2. Compare prices from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give rate quotes from one company like Progressive and State Farm, while independent agencies can give you price quotes from multiple insurance companies. Begin your rate comparison
  3. Compare the new quotes to your existing policy to see if you can save by switching companies. If you find a better price and change companies, make sure there is no coverage gap between policies.

The key thing to remember is to make sure you enter identical limits and deductibles on each quote request and and to look at every insurance company. This ensures an apples-to-apples comparison and the most accurate and complete price analysis.

Much more information about auto insurance in Arizona can be found below: