When trying to find lower-priced insurance, do you get confused by the wide range of auto insurance sources in your area? There are such a vast assortment of sources available that it can turn into a real difficult job to find the best auto insurance rates for Ford Taurus insurance in San Jose. If you live there, you know that San Jose is a great city to raise a family in, but pricey auto insurance makes it very hard to affordably insure vehicles.
How to quote cheaper Ford Taurus insurance in San Jose
The easiest way to get more affordable Ford Taurus insurance in San Jose is to regularly compare prices from companies in California. You can compare prices by following these steps.
Step 1: Read about car insurance and the measures you can control to prevent expensive coverage. Many policy risk factors that result in higher rates like speeding and a substandard credit score can be controlled by making minor driving habit or lifestyle changes.
Step 2: Request rate estimates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can provide rates from a single company like Progressive or Farmers Insurance, while independent agents can give you price quotes for a wide range of companies.
Step 3: Compare the new rate quotes to your existing rates to determine if you can save on Taurus insurance in San Jose. If you find a better price, make sure coverage does not lapse between policies.
One piece of advice is to use identical deductibles and limits on every quote request and and to get price quotes from every insurance company. Doing this helps ensure a fair rate comparison and a thorough price selection.
Unbelievably, almost 70% of insureds have bought auto insurance from the same company for over three years, and almost 40% of drivers have never shopped around. Drivers in San Jose can save approximately $470 each year just by shopping around, but they just assume it’s a time-consuming process to save money by comparing rate quotes.
There are several ways of comparing rates from lots of California car insurance companies. The simplest method to lower the rate you pay for insurance involves getting comparison quotes online.
When price shopping your coverage, having more price comparisons will enable you to find more affordable rates. Some insurance companies are not set up to provide online price quotes, so it’s recommended that you also compare price quotes from those companies as well.
The companies shown below are ready to provide free quotes in California. If multiple companies are listed, it’s highly recommended you compare several of them to get the best price comparison.
Insurance discounts are available to cut your rates
Not too many consumers would say insurance is affordable, but you might already qualify for some discounts that you may not even know about. Many of these discounts will be applied automatically when you quote, but some need to be inquired about before you get the savings.
- Drive Safe and Save – Accident-free drivers can pay as much as 50% less compared to accident prone drivers.
- Anti-lock Brake Discount – Vehicles with anti-lock braking systems prevent accidents and will save you 10% or more on Taurus insurance in San Jose.
- Government Employee Discount – Federal government employees could cut as much as 10% off with some insurance companies.
- Low Mileage Discounts – Keeping the miles down on your Ford may enable drivers to earn substantially lower prices.
- Pay Early and Save – By making one initial payment rather than paying in monthly installments you can avoid the installment charge.
- Paper-free Discount – Some of the larger companies will give a small break simply for signing on the internet.
- Telematics Devices – Drivers who elect to allow data collection to spy on where and when they drive by using a telematics device in their vehicle like Drivewise from Allstate or In-Drive from State Farm could save a few bucks if their driving habits are good.
Just know that some of the credits will not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like liability and collision coverage. Even though it may seem like you would end up receiving a 100% discount, you aren’t that lucky.
The illustration below illustrates the difference between Ford Taurus insurance costs with and without discounts applied. The premiums are based on a female driver, no accidents or driving violations, California 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 homeowner, marriage, safe-driver, multi-policy, claim-free, and multi-car discounts applied.
If you would like to choose from a list of insurance companies that can offer you the previously mentioned discounts in San Jose, follow this link.
Statistics and details
The rate information below outlines estimates of insurance prices for Ford Taurus models. Knowing how insurance quotes are calculated is important for drivers to make smart choices when selecting a policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Taurus SEL AWD||$398||$546||$578||$34||$174||$1,730||$144|
|Taurus Limited AWD||$398||$630||$578||$34||$174||$1,814||$151|
|Taurus SHO AWD||$438||$630||$578||$34||$174||$1,854||$155|
|Get Your Own Custom Quote Go|
Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Price information does not factor in specific zip code location which can affect premium rates considerably.
The illustration below highlights how deductible choice and can affect Ford Taurus insurance costs for different age groups. The rates are based on a single female driver, comp and collision included, and no discounts are applied to the premium.
Ford Taurus annual premiums for males versus females
The illustration below shows the difference between Ford Taurus insurance premiums for male and female drivers. The rate quotes are based on no violations or accidents, comp and collision included, $1,000 deductibles, single status, and no discounts are factored in.
Do you need full coverage?
The information below illustrates the difference between Ford Taurus yearly insurance costs with full coverage and liability only. The rates are based on a clean driving record, no claims, $1,000 deductibles, drivers are single, and no other discounts are factored in.
When to stop paying for full coverage
There isn’t a written rule that works best for making the decision to drop physical damage coverage, but there is a guideline you can use. If the annual cost of having full coverage is more than about 10% of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.
For example, let’s assume your Ford Taurus settlement value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most your company will settle for is $6,000 after paying the physical damage deductible. If you are currently paying more than $600 a year for comprehensive and collision coverage, then you might consider buying liability only.
There are some circumstances where only buying liability is not advised. If you still owe a portion of the original loan, you have to maintain full coverage to satisfy the loan requirements. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should not eliminate full coverage.
Ford Taurus Insurance Rate Factors
Lots of things are part of the equation when quoting car insurance. Most are fairly basic like a motor vehicle report, but other factors are not quite as obvious such as your credit history or your financial responsibility.
Better prices on cars with good safety ratings – Safe vehicles tend to have lower insurance rates. The safest vehicles reduce injuries and lower injury rates means your insurance company pays less and lower rates for you.
More traffic means higher claims – Living in areas with lower population may provide you with better prices when shopping for auto insurance. Fewer drivers means reduced accidents in addition to lower liability claims. Residents of big cities have more aggressive driving styles and more severe claims. Spending more time driving means more chances of being involved in an auto accident.
File a claims and pay more – Companies in California generally give lower rates to insureds who only file infrequent claims. If you’re an insured who likes to file claims you can definitely plan on either policy cancellation or increased premiums. Your car insurance is intended for larger claims.
Cautious drivers have lower prices – Even a single citation may cause rates to rise by as much as twenty percent. Careful drivers have lower premiums as compared to careless drivers. Drivers who get serious violations such as DUI, reckless driving or excessive speeding may face state-mandated requirements to complete a SR-22 to the state department of motor vehicles in order to prevent their license from being revoked.
The diagram below shows how traffic citations and at-fault collisions can increase Ford Taurus car insurance costs for different insured age categories. The data assumes a married male driver, full coverage, $500 deductibles, and no policy discounts are applied.
Do thieves like your car? – Purchasing a vehicle that has a built-in theft deterrent system can help bring down rates. Theft prevention devices like vehicle immobilizer systems, OnStar, and tracking devices like LoJack can thwart car theft.
Decrease prices by maintaining coverage – Having a gap between insurance policy dates will be a guaranteed way to increase your rates. In addition to paying higher rates, getting caught without coverage will get you a hefty fine and possibly a revoked license. Then you may be required to prove you have insurance by filing a SR-22 with the California motor vehicle department to get your license reinstated.
Ford Taurus insurance loss data – Companies use data from past claims when setting premium rates. Models that are shown to have a trend towards higher claim severity or frequency will be charged more to insure.
The next table shows the insurance loss data for Ford Taurus vehicles. For each policy coverage, the claim amount for all vehicles, regardless of manufacturer or model, is equal to 100. Values that are under 100 indicate a favorable loss history, while numbers above 100 point to more losses or statistically larger claims.
|Specific Ford 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
Statistics from IIHS.org for 2013-2015 Model Years
Compare rate quotes but still have a neighborhood San Jose auto insurance agent
A lot of people would rather buy from a local agent and that can be a smart move An additional benefit of comparing insurance prices online is that drivers can save money and get the lowest rates and still have a local agent. Buying from and supporting local insurance agencies is definitely important in San Jose.
After filling out this quick form, your coverage information is immediately sent to participating agents in San Jose who want to provide quotes for your business. There is no need to search for an agent since price quotes are sent to you directly. You can find the lowest rates without a big time investment. If for some reason you want to get a comparison quote from a specific company, feel free to find their quoting web page and give them your coverage information.
When finding a reliable agent, there are two different types of agencies and how they differ in how they quote coverages. Insurance agencies are either exclusive agents or independent agents.
Independent Insurance Agencies or Brokers
Agents that choose to be independent can sell policies from many different companies so they can insure your vehicles through lots of different companies and find the cheapest insurance rates. If your agent finds better pricing, the business is moved internally and you don’t have to switch agencies. When comparing insurance prices, you will definitely want to compare prices from a few independent agents to have the most options to choose from. They also have the ability to place coverage with less well-known companies which could offer lower prices.
Shown below is a partial list of independent insurance agents in San Jose that may be able to give you rate quotes.
- Taylor Benefits Insurance Agency
4820 Harwood Rd #130 – San Jose, CA 95124 – (408) 358-7502 – View Map
- Oasis Insurance Agency Inc. Branch 4
1629 Alum Rock Ave – San Jose, CA 95116 – (408) 929-6111 – View Map
- Lords Insurance Agency Inc
2239 Moorpark Ave #100 – San Jose, CA 95128 – (408) 289-5445 – View Map
Exclusive Insurance Agents
Agents in the exclusive channel normally can only provide a single company’s rates and examples are Allstate and State Farm. They usually cannot compare rates from other companies so they are skilled at selling on more than just price. Exclusive agents receive extensive training on the products they sell and that enables them to sell even at higher rates. Some people will only choose to use an exclusive agent mostly because of high brand loyalty rather than low price.
Below is a short list of exclusive insurance agents in San Jose who can help you get rate quotes.
- Gary Sanchez – State Farm Insurance Agent
2053 Lincoln Ave a – San Jose, CA 95125 – (408) 269-5001 – View Map
- Farmers Insurance
1080 Minnesota Ave # 4 – San Jose, CA 95125 – (408) 294-4348 – View Map
- Allstate Insurance: Phuong Tran
510 N 1st St Ste 224 – San Jose, CA 95112 – (408) 993-9898 – View Map
Finding the right insurance agency should include more criteria than just a cheap quote. These are some questions you should get answers to.
- How much will you save each year by using a higher deductible?
- Do they receive special compensation for putting your coverage with one company over another?
- Are they full-time agents?
- Is there any savings for paying the full premium?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Does the agent have professional designations like CIC, CPCU or AIC?
- If you have an accident, will your rates go up?
Upon receiving reasonable responses to these questions and locked in a price quote, chances are good that you have found an insurance agent that can provide insurance coverage. But keep in mind it’s your coverage and you can cancel your coverage at any time so don’t assume that you’re stuck with any particular company for a certain time period.
You may need specialized insurance coverage
When it comes to adequate coverage, there isn’t really a one-size-fits-all type of policy. Your financial needs are unique and your insurance should unique, too.
Here are some questions about coverages that may help you determine if your insurance needs could use an agent’s help.
- Does my policy cover me when driving someone else’s vehicle?
- Do I have coverage when using my vehicle for my home business?
- When should I drop full coverage on my Ford Taurus?
- What does medical payments coverage do?
- Do I need PIP (personal injury protection) coverage in California?
- Should I buy only the required California minimum liability coverage?
- How high should my medical payments coverage be?
- How can I find cheaper teen driver insurance?
- When can my company non-renew my policy?
- Is my nanny covered when transporting my kids?
If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.
Persistent drivers can save
As you go through the steps to switch your coverage, do not sacrifice coverage to reduce premiums. In many instances, an insured cut full coverage only to find out that a couple dollars of savings turned into a financial nightmare. The goal is to buy enough coverage at the best cost.
More affordable insurance in San Jose is possible on the web and from local agencies, and you should compare rates from both to have the best rate selection. There are still a few companies who do not provide the ability to get quotes online and many times these small, regional companies provide coverage only through local independent agents.
How to buy discount Ford Taurus insurance in San Jose
The recommended way to find more affordable car insurance rates is to make a habit of regularly comparing prices from companies in San Jose. This can be done by completing these steps.
Step 1: Take a little time to learn about car insurance and the measures you can take to prevent expensive coverage. Many factors that drive up the price like distracted driving and a poor credit rating can be rectified by making minor driving habit or lifestyle changes.
Step 2: Compare prices from direct, independent, and exclusive agents. Exclusive agents and direct companies can provide rates from a single company like Progressive or State Farm, while agents who are independent can provide rate quotes for a wide range of companies.
Step 3: Compare the quotes to your current policy premium to see if a cheaper price is available. If you find a better price and buy the policy, 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 of your intent to cancel your current car insurance policy and submit a completed application and payment for the new coverage. As soon as you have the new policy, put the certificate verifying coverage with your vehicle’s registration.
A valuable tip to remember is to try to use similar deductibles and liability limits on every quote request and and to analyze as many auto insurance providers as possible. Doing this provides a level playing field and a thorough price selection.
Even more information can be found by following these links:
- Older Driver Statistics (Insurance Information Institute)
- Who Has the Cheapest Auto Insurance for a Nissan Rogue in San Jose? (FAQ)
- Who Has Cheap San Jose Auto Insurance Quotes for Drivers with Bad Credit? (FAQ)
- Who Has Cheap Car Insurance Rates for a Honda Accord in San Jose? (FAQ)
- New head restraint design cuts injuries (Insurance Institute for Highway Safety)
- Keeping Children Safe in Crashes Video (iihs.org)