How to Save on Oakland Ford Taurus Insurance

Do you want to save money by buying the cheapest Ford Taurus insurance in Oakland? Wish you could get out of high-priced Ford Taurus insurance in Oakland? Don’t feel bad because many Oakland drivers have buyer’s remorse.

Smart shoppers know that car insurance companies don’t want their customers to go rate shopping. Insureds who compare rates once a year will, in all likelihood, buy a new policy because of the good chance of finding good coverage at a lower price. Remarkably, a study showed that people who made a habit of comparing rate quotes saved approximately $3,500 over four years compared to drivers who never compared prices.

If finding the lowest rates on Ford Taurus insurance in Oakland is your target objective, learning the best ways to shop for cheaper coverage can save time, money, and frustration.

Consumers have multiple auto insurance companies to choose from, and even though it’s nice to have a selection, more choices can make it harder to find a good deal for Ford Taurus insurance in Oakland.

Smart consumers take time to take a look at other company’s rates yearly because rates change frequently. Even if you got the best rate on Ford Taurus insurance in Oakland a few years ago the chances are good that you can find a lower price today. There is a lot of bad information regarding Taurus insurance online, but in this article, you’re going to get some of the best techniques to find cheap insurance in Oakland.

When shopping for low cost Oakland auto insurance quotes, there are a couple of ways of comparing price quotes from many auto insurance companies in California. The quickest method to find the lowest rates is to jump online and get quotes.

Doing price comparisons online is so simple that it takes the place of having to drive to insurance agents’ offices. Shopping for auto insurance online reduces the need to sit down with an agent unless you prefer the trained guidance of an agent trained in personal lines coverage. If you prefer, some companies allow you to find lower rates online but purchase the actual policy in an agency.

When quoting auto insurance, remember that having more price comparisons increases your odds of finding a lower rate than you’re paying now.

The following companies offer comparison quotes in California. To get cheaper auto insurance in Oakland, CA, we suggest you get prices from several of them to get the best price comparison.

Get cheaper Ford Taurus insurance rates in Oakland

Insuring your vehicles can cost a lot, but you might already qualify for some discounts that many consumers don’t even know exist. Some trigger automatically when you get a quote, but a few must be requested specifically prior to receiving the credit.

• Telematics Data – Insureds who allow companies to track driving manner by using a telematic data system like Allstate’s Drivewise might see lower rates if they are good drivers.
• No Accidents – Insureds who avoid accidents and claims get the best insurance rates in comparison to insureds who have frequent claims or accidents.
• Use Seat Belts – Drivers who always wear seat belts and also require passengers to buckle up may be able to save a few bucks off the PIP or medical payment premium.
• Drivers Ed for Students – Cut your cost by having your teen driver successfully take a driver’s education course in high school.
• Defensive Driver – Taking part in a course in defensive driving can save you 5% or more if you qualify.
• Passenger Safety Discount – Factory air bags and/or automatic seat belt systems may qualify for discounts of 20% or more.
• Theft Deterrent Discount – Anti-theft and alarm system equipped vehicles are stolen with less frequency and will qualify for a discount on a Oakland auto insurance quote.
• Auto/Life Discount – If the company offers life insurance, you could get a small discount if you purchase life insurance.
• Fewer Miles Equal More Savings – Driving less may allow you to get slightly better rates than normal.

A little note about advertised discounts, most of the big mark downs will not be given to the whole policy. Some only reduce the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears you could get a free insurance policy, insurance companies wouldn’t stay in business.

The example below visualizes the comparison of Ford Taurus insurance costs with and without discounts applied. The prices are based on a male driver, no accidents or driving violations, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, marriage, multi-policy, homeowner, and multi-car discounts applied.

If you would like to see a list of companies that offer discounts in California, click here to view.

Analysis of coverages

The premium information below outlines estimates of policy rates for Ford Taurus models. Learning as much as possible about how rates are formulated can assist in making smart choices when choosing a car insurance company.

Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Premium amounts do not factor in the specific area where the vehicle is garaged which can influence insurance rates substantially.

Choosing deductibles

One of the more difficult decisions when buying insurance is how low should you set your deductibles. The comparison tables below summarize the differences in premium rates when you select higher and lower insurance deductibles. The first price estimate table uses a $250 comprehensive and collision deductible and the second rate table uses a $500 deductible.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Table data does not factor in zip code location which can modify coverage rates considerably.

Based on this data, using a $250 deductible will cost you roughly $20 more each month or $240 each year than buying the higher $500 deductible. Since you would pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you normally average at a minimum 13 months between claim filings, you would probably be better off if you choose a higher deductible.

Ratings for California car insurance companies

Picking a highly-rated car insurance provider can be rather challenging considering how many companies there are to choose from in Oakland. The ranking data in the lists below could help you pick which providers you want to consider purchasing a policy from.

Top 10 Oakland Car Insurance Companies by A.M. Best Rank

1. USAA – A++
2. Travelers – A++
3. State Farm – A++
4. GEICO – A++
5. Esurance – A+
6. Nationwide – A+
7. Allstate – A+
8. Mercury Insurance – A+
9. Progressive – A+
10. Titan Insurance – A+

Decisions You Make Can Impact Your Insurance Costs

Many factors are taken into consideration when pricing auto insurance. Some are obvious such as your driving history, but other factors are more obscure like your vehicle usage or your commute time. Smart consumers have a good feel for a few of the rating criteria that aid in calculating your policy premiums. If you know what determines premiums, this allows you to make educated decisions that may result in lower car insurance prices.

Gender as a rate factor – The statistics show that females take fewer risks when driving. That doesn’t necessarily mean that men are WORSE drivers than women. They both cause auto accidents in similar numbers, but the male of the species tend to have more serious accidents. They also get cited for more serious violations like DWI (DUI) or reckless driving. Young men ages 16 to 20 tend to get in the most accidents so it costs more to insure them.

The diagram below shows the difference between Ford Taurus insurance prices for male and female drivers. The rates are based on a clean driving record, no at-fault accidents, full physical damage coverage, $500 deductibles, single status, and no other discounts are factored in.

Multi-policy discounts can save money – Most major insurers will award better rates to customers who buy several policies from them. It’s known as a multi-policy discount. Even with this discount, consumers should still check prices from other companies to verify if the discount is saving money.

Is you vocation costing you more? – Careers like lawyers, executives, and financial analysts usually pay higher premiums than the average policyholder in part from intense work requirements and extremely grueling work hours. Other jobs like scientists, historians and performers receive lower rates.

Alarm systems lowers rates – Driving a car that has a built-in theft deterrent system can help lower your rates. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent auto theft and help lower rates.

Ford Taurus insurance loss probability – Companies factor in historical loss data to determine a rate that will be profitable for them. Vehicles that the data determines to have higher loss trends will cost more for specific coverages. The table shown below demonstrates the collected loss data for Ford Taurus vehicles.

For each coverage type, the claim amount for all vehicles compiled together is represented as 100. Values that are 100 or less mean the vehicle has better than average losses, while values that are 100 or greater indicate more frequent claims or an increased chance of a larger loss.