Purchasing discount Las Vegas Ford Taurus insurance quotes online may be somewhat intimidating for people who are beginners to quoting and comparing prices online. With so many companies competing online, how can people have the ability to compare each option to find the lowest price?
Sad but true, the majority of drivers kept buying from the same company for at least the last four years, and approximately 40% of consumers have never compared quotes from other companies. With the average premium in Nevada being $1,620, drivers could save themselves nearly $545 a year just by getting comparison quotes, but they don't believe the big savings they would realize if they switched to a more affordable policy.
It's a good idea to get comparison quotes occasionally because car insurance prices are adjusted regularly by insurance companies. Just because you had the best quotes on Ford Taurus insurance in Las Vegas at your last renewal a different company probably has better rates today. Forget all the misinformation about car insurance because I'm going to let you in on the secrets to the only way to save money, get proper deductibles and limits, all at the lowest rate.
To find the best insurance rates, there are several ways to compare rate quotes from different companies. By far the easiest way to find the cheapest Ford Taurus insurance rates consists of obtaining rate quotes online.
Just remember that comparing a large number of companies helps improve the odds of finding more affordable insurance.
The companies in the list below provide comparison quotes in Nevada. If several companies are displayed, it's a good idea that you click on several of them to find the most affordable car insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Taurus SEL AWD||$210||$374||$324||$20||$96||$1,024||$85|
|Taurus Limited AWD||$342||$544||$404||$24||$120||$1,434||$120|
|Taurus SHO AWD||$330||$544||$308||$18||$92||$1,292||$108|
|Get Your Own Custom Quote Go|
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Price information does not factor in specific location which can influence coverage prices significantly.
Auto insurance rates are higher with tickets and accidents
The diagram below shows how speeding tickets and at-fault claims influence Ford Taurus auto insurance costs for different age categories. The prices are based on a single female driver, full coverage, $250 deductibles, and no additional discounts are factored in.
Rate comparison of males versus females
The illustration below illustrates the difference between Ford Taurus annual premium costs for male and female drivers. The price estimates are based on no accidents, no driving violations, full physical damage coverage, $100 deductibles, single marital status, and no policy discounts are applied.
Slash your auto insurance rates with discounts
Insurance can be prohibitively expensive, but discounts can save money and there are some available to reduce the price significantly. Certain credits will be shown when you purchase, but some discounts are required to be asked about prior to getting the savings.
- Early Renewal Discounts - Select companies give a discount for signing up before your current Taurus insurance policy expires. Ten percent is about the average savings.
- Multi-Vehicle Discounts - Buying coverage for primary and secondary vehicles with the same company can reduce the rates for all insured vehicles.
- Own a Home - Being a homeowner can help you save on auto insurance since home ownership is proof of financial responsibility.
- Telematics Devices - Insureds that choose to allow their auto insurance company to scrutinize driving manner by using a telematics device in their vehicle such as Drivewise from Allstate or Snapshot from Progressive could see a rate decrease if they are good drivers.
- Theft Deterrent System - Cars, trucks, and SUVs optioned with advanced anti-theft systems are less likely to be stolen and earn discounts up to 10% off your Las Vegas auto insurance quote.
- Service Members Pay Less - Being on active deployment in the military could mean lower prices.
- Smart Student Discounts - Maintaining excellent grades can earn a discount of 20% or more. The good student discount can last well after school through age 25.
Don't be shocked that most of the big mark downs will not be given to all coverage premiums. A few only apply to specific coverage prices like medical payments or collision. So despite the fact that it appears all those discounts means the company will pay you, companies don't profit that way. But all discounts will definitely reduce your premiums.
Companies that may have some of the discounts shown above include:
It's a good idea to ask every prospective company to apply every possible discount. Some discounts listed above might not be offered in your area. If you would like to see a list of auto insurance companies who offer cheap Ford Taurus insurance quotes in Nevada, click here to view.
Why you need quality insurance for your Ford Taurus
Despite the high cost of buying insurance for a Ford Taurus in Las Vegas, insuring your vehicle is most likely required but also gives you several important benefits.
First, just about all states have mandatory liability insurance requirements which means state laws require a specific minimum amount of liability coverage in order to get the vehicle licensed. 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.
Second, if your car has a loan, it's most likely the lender will require you to have physical damage coverage to ensure the loan is repaid in case of a total loss. If you do not pay your insurance premiums, the bank may buy a policy for your Ford at a significantly higher premium and require you to pay for the expensive policy.
Third, car insurance protects not only your vehicle but also your assets. It will also reimburse you for medical transport and hospital expenses for yourself as well as anyone injured by you. Liability insurance, one of your policy coverages, also pays for attorney fees and expenses if you are sued as the result of your driving. If your car is damaged in a storm or accident, your policy will pay to restore your vehicle to like-new condition.
The benefits of having insurance definitely exceed the price paid, particularly if you ever have a claim. In a recent study of 1,000 drivers, the average customer overpays more than $750 every year so compare rate quotes at every renewal to help ensure money is not being wasted.
Car insurance quotes from neighborhood Las Vegas auto insurance agents
Some consumers would rather sit down with an agent and doing so can bring peace of mind A nice benefit of price shopping on the web is that drivers can save money and get cheap rate quotes but still work with a licensed agent.
For easy comparison, once you complete this short form, the coverage information gets sent to local insurance agents in Las Vegas that can provide free Las Vegas auto insurance quotes for your car insurance coverage. It makes it easy because there is no need to even leave your home since rate quotes are delivered instantly to you. You can find lower rates and a licensed agent to work with. If for some reason you want to compare prices from one company in particular, don't hesitate to find their quoting web page to submit a rate quote request.
Finding the right insurer shouldn't rely on just the bottom line cost. Here are some questions to ask:
- Is there a 24/7 contact number?
- Is auto insurance their primary focus in Las Vegas?
- How much will you save each year by using a higher deductible?
- How are claims handled?
- Will they take your side in the event of a claim?
- Has the agent ever had any license suspensions?
- If your car is totalled, how to they determine the replacement cost?
If you're trying to find a reliable agent, it's helpful to know the different types of agencies to choose from. Car insurance agents in Las Vegas are considered either exclusive or independent agents depending on their company appointments.
Agents of this type work for only one company like State Farm or Allstate. Exclusive agencies are unable to compare other company's rates so they have no alternatives for high prices. Exclusive agents are well schooled on the products they sell which can be an advantage. Consumers frequently use the same agent mainly due to the brand instead of buying on price only.
The following are exclusive agencies in Las Vegas who can help you get price quote information.
- Jeremy Walser - State Farm Insurance Agent
1725 S Rainbow Blvd #11 - Las Vegas, NV 89146 - (702) 367-1991 - View Map
- Tim Powers - State Farm Insurance Agent
2920 S Rainbow Blvd #100 - Las Vegas, NV 89146 - (702) 871-8338 - View Map
- David Habart - State Farm Insurance Agent
2035 Village Center Cir #100 - Las Vegas, NV 89134 - (702) 851-2400 - View Map
Independent Car Insurance Agencies
Independent agencies do not work for one specific company so they can quote policies with a variety of different insurance companies and help determine which has the cheapest rates. If they find a cheaper price, they simply switch companies in-house and that require little work on your part. When comparing rates, you absolutely need to include at a minimum one independent agency in order to compare the most rates. Most also have access to additional companies that you may not be familiar with which could offer lower prices.
Listed below is a short list of independent agents in Las Vegas that are able to give rate quotes.
- Estrella Insurance Services
3700 E Charleston Blvd #130 - Las Vegas, NV 89104 - (702) 382-1177 - 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
- Invest America Insurance LLC
6190 W Charleston Blvd - Las Vegas, NV 89146 - (702) 685-3888 - View Map