Car Insurance Quotes for a Ford Taurus in Las Vegas

Want to know an easy way to compare more affordable Ford Taurus insurance in Las Vegas? Trying to find cheaper insurance for a Ford Taurus in Nevada can turn out to be a painful process, but you can use a few tricks and make it easy.

There is a better way to compare car insurance rates and you need to know the proper way to quote coverages for a new or used Ford and get the lowest possible price from Las Vegas insurance agents and online providers.

You should take the time to do rate comparisons before your next renewal because car insurance prices are usually higher with each renewal. If you had the lowest quotes on Ford Taurus insurance in Las Vegas a year ago you will most likely find a better rate today. There are lots of tips to save on Taurus insurance out there, but in just a couple of minutes you can learn a lot of great tips on how to buy car insurance cheaper in Las Vegas.

All the larger auto insurance companies make it easy to get coverage prices on the web. Getting online quotes for Ford Taurus insurance in Las Vegas is pretty easy as you simply type in the amount of coverage you want into a form. Upon sending the form, their quoting system obtains reports for credit and driving violations and returns a price quote based on these and other factors.

This makes it a lot easier to compare rates and it is imperative to compare as many rates as possible if you want to find a better rate.

To quickly find out what other companies charge, check out the auto insurance providers below. If you have a policy now, it’s recommended you duplicate the limits and deductibles as close as possible to your current policy. This helps ensure you will get a rate comparison for similar insurance coverage.

The following companies have been selected to offer quotes in Nevada. If you want to find the best car insurance in Las Vegas, it’s a good idea that you visit as many as you can to get the best price comparison.

Get cheaper Ford Taurus insurance in Las Vegas with discounts

Auto insurance is not inexpensive, but you may qualify for discounts that can help lower your rates. Some of these discounts will be visible when you get a quote, but once in a while a discount must be asked about prior to getting the savings. If you’re not getting every credit possible, you are paying more than you should be.

• Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase a life insurance policy as well.
• Own a Home – Simply owning a home may earn you a small savings because maintaining a house requires a higher level of personal finance.
• Multi-Vehicle Discounts – Having all your vehicles with one company can get a discount for every vehicle.
• Paper-free Discount – Certain companies may give you up to $50 get Las Vegas car insurance on the web.
• Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to use a seat belt can save up to 15% off PIP or medical payments premium.
• Mature Driver Discount – Drivers that qualify as senior citizens can get a slight reduction on a Las Vegas car insurance quote.
• Discounts for Responsible Drivers – Drivers who don’t get into accidents can save as much as half off their rates as compared to drivers with claims.
• Early Renewal Discounts – Select auto insurance companies give a discount for buying a new policy early. You may see this discount when you get Las Vegas car insurance quotes online.

Just know that most discount credits are not given to the entire cost. The majority will only reduce individual premiums such as physical damage coverage or medical payments. So when it seems like it’s possible to get free car insurance, it’s just not the way it works. Any amount of discount should definitely cut your overall premium however.

The information below illustrates the difference between Ford Taurus auto insurance costs with and without discounts applied to the premium. The data assumes a male driver, no accidents or driving violations, Nevada state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, homeowner, claim-free, safe-driver, and multi-policy discounts applied.

Large auto insurance companies and their offered discounts are:

• 21st Century policyholders can earn discounts including good student, early bird, anti-lock brakes, homeowners, defensive driver, and theft prevention.
• State Farm includes discounts for good driver, passive restraint, anti-theft, driver’s education, accident-free, and Drive Safe & Save.
• AAA has savings for AAA membership discount, anti-theft, multi-car, pay-in-full, education and occupation, good student, and multi-policy.
• Liberty Mutual offers discounts for new graduate, safety features, multi-car, newly retired, and newly married.
• Progressive offers premium reductions for good student, online quote discount, continuous coverage, homeowner, online signing, and multi-policy.

Check with each insurance company which discounts can lower your rates. Some of the discounts discussed earlier may not apply to policyholders in Las Vegas. To view providers with discount rates in Las Vegas, follow this link.

Insurance statistics for a Ford Taurus

The price information shown below highlights detailed analysis of insurance coverage prices for Ford Taurus models. Having a better understanding of how policy rates are determined is important for you to make decisions on the best policy to buy.

Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Prices do not factor in specific location which can raise or lower coverage rates greatly.

How high should deductibles be?

When comparing insurance rates, the most common question is how low should you set your deductibles. The premium rates below illustrate the price difference when you select higher and lower physical damage coverage deductibles. The first set of prices uses a $250 physical damage deductible and the second rate chart uses a $500 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Rate information does not factor in zip code location which can change coverage prices considerably.

Using the premium rates above, we can conclude that using a $250 deductible costs an average of $14 more each month or $168 every year than selecting the higher $500 deductible. Because you would pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you average at a minimum 18 months between claim filings, you would most likely save money if you opt for a higher deductible.

The example below shows how choosing a deductible and can increase or decrease Ford Taurus insurance prices for each age group. The rates are based on a single male driver, comprehensive and collision coverage, and no discounts are applied.

Careless Las Vegas drivers pay higher rates

The information below shows how speeding tickets and at-fault fender-benders raise Ford Taurus auto insurance rates for different age groups of insureds. The price estimates are based on a single female driver, comp and collision included, $100 deductibles, and no discounts are applied to the premium.

Full coverage rates compared to liability-only

The illustration below illustrates the comparison of Ford Taurus annual premium costs with full coverage compared to only the Nevada minimum liability coverage. The premiums assume no accidents or driving violations, $500 deductibles, marital status is single, and no discounts are applied.

When to buy liability coverage only

There is no specific rule to drop comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the annual cost of coverage is 10% or more of the settlement you would receive from your company, then it may be the right time to buy liability only.

For example, let’s pretend your Ford Taurus settlement value is $6,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company will settle for is $5,000 after the deductible is paid. If you are paying over $500 a year for comprehensive and collision coverage, then you might want to think about dropping full coverage.

There are some scenarios where removing full coverage is not a good plan. If you still have a loan on your vehicle, you have to keep full coverage to satisfy the loan requirements. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should not drop full coverage.

When do I need to have guidance from an insurance agent?

Some people just prefer to visit with an insurance agent and that is OK! Professional insurance agents are trained risk managers and will help you if you have claims. A good thing about comparing insurance prices online is you may find lower rates and still buy from a local agent. And supporting local insurance agents is definitely important in Las Vegas.

After completing this simple form, the coverage information is emailed to local insurance agents in Las Vegas who will gladly provide quotes and help you find cheaper coverage. You don’t have to do any legwork as quotes are delivered to you instantly. In the event you want to get a price quote from a specific company, just go to their quote page and fill out their quote form.

If you would like to find a good insurance agency, it’s helpful to know the different types of agents and how they are distinctly different. Car insurance policy providers can be categorized as either independent or exclusive depending on the company they work for. Both types can insure your vehicles, but it’s important to point out the difference between them since it can impact the selection process.

Independent Insurance Agents

Agents that choose to be independent do not have single company limitations and that enables them to quote your coverage through many companies and find the cheapest rate. If you are not satisfied with one company, your agent can switch companies and you don’t have to find a new agent. When comparing car insurance prices, you definitely need to get rate quotes from at a minimum one independent agency in order to have the best price comparison. Most can insure with additional companies that you may not be familiar with that can offer cheaper rates than bigger companies.

Below is a small list of independent insurance agents in Las Vegas who may be able to give you price quotes.

• All Nevada Insurance
  9440 W Sahara Ave #210 – Las Vegas, NV 89117 – (702) 873-4889 – View Map
• Insurance Group of Nevada
  US Bank Financial Center, 2300 West Sahara Avenue, Suite 800 – Las Vegas, NV 89102 – (702) 996-6434 – View Map
• Red Rock Insurance
  1958 Village Center Cir #5 – Las Vegas, NV 89134 – (702) 733-0330 – View Map

More Las Vegas agents

Exclusive Car Insurance Agencies

Agents in the exclusive channel generally can only insure with one company like AAA, Allstate, State Farm, or Farmers Insurance. They are unable to compare rates from other companies so if the price isn’t competitive there isn’t much they can do. They receive extensive training on what they offer which aids in selling service over price. Consumers frequently purchase coverage from exclusives partially due to high brand loyalty and solid financial strength.

Listed below are exclusive agents in Las Vegas who can help you get price quote information.

• Chris Lopez – State Farm Insurance Agent
  11700 W Charleston Blvd #175 – Las Vegas, NV 89135 – (702) 870-3663 – View Map
• Tom Ferrier – State Farm Insurance Agent
  7528 Westcliff Dr – Las Vegas, NV 89145 – (702) 255-7770 – View Map
• Juan Diaz State Farm®
  352 S Jones Blvd – Las Vegas, NV 89107 – (702) 870-0444 – View Map

More Las Vegas agents

Selecting an car insurance agent is decision based upon more than just a cheap price. These are valid questions to ask:

• Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
• How are they compensated?
• Are they able to influence company decisions when a claim is filed?
• Do you work with a CSR or direct with the agent?
• Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
• What is the agency’s Better Business Bureau rating?

If you feel you receive answers to your satisfaction and locked in a price quote, you may have just found a car insurance agent that will provide car insurance coverage. But remember, you have the power to cancel a policy whenever you want so don’t assume you’re contractually obligated to your new company for the entire policy term.

How much auto insurance do I need?

When quoting and choosing proper insurance coverage for your vehicles, there isn’t really a one size fits all plan. Your financial needs are unique so this has to be addressed.
For example, these questions might help in determining whether or not you might need professional guidance.

• Are my custom wheels covered?
• Is a blown tire covered by insurance?
• Should I carry comprehensive and collision coverage?
• Is my babysitter covered when using my vehicle?
• Is upholstery damage covered by car insurance?
• Should I buy more coverage than the required Nevada minimum liability coverage?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It’s fast, free and can provide invaluable advice.

Quote Ford Taurus Insurance Cheaper

One of the most helpful ways to save on car insurance is to to have a grasp of the rating factors that go into determining your premiums. When you know what positively or negatively positively or negatively impacts your premiums, this enables informed choices that may result in cheaper rates.

Mature drivers pay less – Youthful drivers in Nevada have been known to be less responsible behind the wheel so car insurance rates are higher. Adding a teenage driver onto your car insurance can break the bank. Mature drivers have been proven to be more responsible, tend to file fewer claims, and get fewer tickets.

The following data is based on a single driver, full coverage with $100 deductibles, and no discounts or violations.

Gender impacts rates – Statistics show women tend to be less risk to insure than men. It does not mean males are worse at driving than females. They both are responsible for auto accidents at about the same rate, but the males cause more damage and cost insurance companies more money. Men also tend to get more serious tickets like DUI and reckless driving.

The illustration below shows the comparison of Ford Taurus insurance rates for male and female drivers. The premium estimates are based on no driving violations, no at-fault accidents, full coverage, $250 deductibles, drivers are not married, and no policy discounts are applied.

No policy claims equals better rates – If you are the type of insured that files lots of claims you can look forward to higher premiums or even policy non-renewal. Car insurance companies in Nevada award most affordable rates to policyholders who are claim-free. Auto insurance is designed for more catastrophic claims.

Why do you need liability insurance? – Liability insurance will provide protection when you are determined to be liable for causing damage or personal injury in an accident. It provides for a legal defense to attempt to prove you were not liable. Carrying liability coverage is mandatory and cheap compared to comp and collision, so do not skimp.

Insurance losses for a Ford Taurus – Insurers analyze claim trends for every vehicle to help calculate premium prices. Models that the data shows to have high amounts or severity of claims will have increased rates.

The table below demonstrates the historical loss data for Ford Taurus vehicles. For each policy coverage type, the loss probability for all vehicles averaged together is considered to be 100. Numbers that are below 100 suggest a positive loss record, while percentages above 100 indicate more frequent losses or statistically larger losses.

Car insurance is not optional

Even though Las Vegas Taurus insurance rates can get expensive, buying car insurance serves a purpose in several ways.

• The majority of states have minimum liability requirements which means the state requires specific minimum amounts of liability insurance coverage in order to drive the car legally. In Nevada these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If you bought your vehicle with a loan, most lenders will require you to have physical damage coverage to ensure loan repayment if the vehicle is totaled. If you let the policy lapse, the lender will be forced to insure your Ford at an extremely high rate and require you to pay for the much more expensive policy.
• Car insurance protects your car and your assets. It also can pay for all forms of medical expenses for yourself as well as anyone injured by you. Liability insurance will also pay for a defense attorney if anyone sues you for causing an accident. If damage is caused by hail or an accident, your car insurance policy will pay to have it repaired.

The benefits of having insurance are without a doubt worth the cost, particularly for liability claims. As of last year, the average driver in Nevada is overpaying more than $865 each year so it’s important to compare rates at every policy renewal to save money.

In Summary

As you prepare to switch companies, never buy less coverage just to save a little money. There have been many cases where consumers will sacrifice uninsured motorist or liability limits only to find out that the small savings ended up costing them much more. The aim is to find the BEST coverage for the lowest price while not skimping on critical coverages.

We just presented a lot of techniques to get a better price on Ford Taurus insurance in Las Vegas. It’s most important to understand that the more you quote Las Vegas car insurance, the better your comparison will be. Drivers may even discover the most savings is with the least-expected company. These companies can often insure niche markets at a lower cost than their larger competitors like State Farm and Allstate.

Steps to finding discount Ford Taurus insurance in Las Vegas

It takes a little time, but the best way to find discount car insurance rates is to regularly compare quotes from companies that sell auto insurance in Las Vegas.

• Step 1: Spend some time learning about how insurance works and the modifications you can make to prevent expensive coverage. Many factors that cause rate increases like speeding tickets, accidents and bad credit can be rectified by paying attention to minor details.
• Step 2: Request price quotes 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 agents can provide prices for many different companies. Select a company
• Step 3: Compare the new quotes to the premium of your current policy to see if switching to a new carrier will save money. If you find better rates, make sure there is no lapse between the expiration of your current policy and the new one.

A crucial key to this process is to compare the same deductibles and limits on every quote and and to get quotes from as many carriers as you can. Doing this provides a fair rate comparison and a good representation of prices.

To learn more, feel free to browse these articles:

• What Does No-Fault Insurance Cover? (Allstate)
• Who Has Cheap Las Vegas Car Insurance Quotes for Teenage Females? (FAQ)
• Who Has Cheap Auto Insurance for 18 Year Olds in Las Vegas? (FAQ)
• Who Has Cheap Auto Insurance Rates for Hybrid Vehicles in Las Vegas? (FAQ)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Institute)
• Auto Insurance Facts and Statistics (Insurance Information Institute)
• Car Insurance FAQ (Trusted Choice)