Ford Taurus Insurance Rate Quotes in Charlotte

Insurance rates Ford Taurus in CharlotteAre you looking for the cheapest Ford Taurus insurance in Charlotte? Vehicle owners who just recently started comparing insurance coverage rates online are likely to discover purchasing affordable Ford Taurus insurance rates in Charlotte is harder than it should be.

How to quote cheaper Ford Taurus insurance in Charlotte

If you want to save money, the best way to find better pricing on car insurance rates in Charlotte is to start comparing prices regularly from insurers in North Carolina.

Step 1: Take a few minutes and learn about how insurance companies determine prices and the things you can control to keep rates down. Many factors that cause high rates such as accidents, traffic tickets, and an imperfect credit history can be amended by being financially responsible and driving safely.

Step 2: Compare price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can give quotes from one company like Progressive and State Farm, while independent agents can quote prices from multiple companies.

Step 3: Compare the price quotes to the premium of your current policy to see if cheaper Taurus coverage is available. If you find a better price, make sure there is no lapse between the expiration of your current policy and the new one.

Step 4: Tell your current agent or company to cancel the current policy and submit payment and a completed application to your new insurance company. Once received, put the certificate verifying coverage in an easily accessible location in your vehicle.

The most important part of shopping around is that you use similar coverage information on each quote and and to get price quotes from as many carriers as you can. This guarantees the most accurate price comparison and the best rate selection.

It’s well known that auto insurance companies don’t want customers comparing rates. Insureds who compare other rates are very likely to switch insurance companies because of the high probability of finding more affordable rates. A recent survey found that people who routinely compared quotes saved approximately $850 each year as compared to drivers who never shopped around for cheaper prices.

If finding budget-friendly rates on car insurance in Charlotte is your ultimate target, then learning a little about how to quote and compare coverage rates can make it simple to find affordable coverage.

You should make it a habit to take a look at other company’s rates quite often because insurance prices tend to go up over time. Just because you had the best deal on Ford Taurus insurance in Charlotte two years ago you can probably find a lower rate today. Block out anything you think you know about insurance because we’re going to demonstrate one of the quickest ways to find great coverage at a great price.

If you have insurance now, you will be able to save money using the techniques presented in this article. The intent of this article is to let you in on the best way to quote coverages and some tricks to saving. But North Carolina drivers can benefit by having an understanding of the way insurance companies determine what you pay and apply this information to your search.

When shopping for Ford Taurus insurance in Charlotte there are multiple ways of comparing rates from different Charlotte insurance companies. The simplest method to find affordable insurance rates consists of shopping online. When comparing auto insurance rates, know that comparing a wide range of rates will improve the odds of getting better pricing.

The companies shown below can provide price quotes in Charlotte, NC. If you wish to find the best car insurance in NC, it’s a good idea that you visit two to three different companies to get the best price comparison.

Rates and other information

The coverage table below outlines different insurance coverage prices for Ford Taurus models. Having a good grasp of how auto insurance policy rates are calculated helps drivers make decisions on which insurance to purchase.

Ford Taurus Insurance Rates in Charlotte, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Taurus SE $148 $250 $336 $20 $100 $854 $71
Taurus SEL $166 $296 $336 $20 $100 $918 $77
Taurus SEL AWD $166 $296 $336 $20 $100 $918 $77
Taurus Limited $166 $296 $336 $20 $100 $918 $77
Taurus Limited AWD $166 $340 $336 $20 $100 $962 $80
Taurus SHO AWD $182 $340 $336 $20 $100 $978 $82
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Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Table data does not factor in vehicle location which can decrease or increase premiums significantly.

Deductible comparison

One frequently asked question is how low should you set your deductibles. The rates below show how much more you’ll pay when you buy lower versus higher coverage deductibles. The first data set uses a $100 deductible for physical damage and the second pricing table uses a $500 deductible.

Ford Taurus insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Taurus SE $242 $386 $250 $14 $74 $991 $83
Taurus SEL $270 $456 $250 $14 $74 $1,089 $91
Taurus SEL AWD $270 $456 $250 $14 $74 $1,089 $91
Taurus Limited $270 $456 $250 $14 $74 $1,089 $91
Taurus Limited AWD $270 $524 $250 $14 $74 $1,157 $96
Taurus SHO AWD $298 $524 $250 $14 $74 $1,185 $99
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Ford Taurus insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Taurus SE $176 $262 $250 $14 $74 $776 $65
Taurus SEL $196 $308 $250 $14 $74 $842 $70
Taurus SEL AWD $196 $308 $250 $14 $74 $842 $70
Taurus Limited $196 $308 $250 $14 $74 $842 $70
Taurus Limited AWD $196 $354 $250 $14 $74 $888 $74
Taurus SHO AWD $216 $354 $250 $14 $74 $908 $76
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Premium amounts do not factor in Charlotte location which can increase or decrease price quotes significantly.

Based on the figures above, using a $100 deductible costs approximately $21 more each month or $252 for a full year than buying the higher $500 deductible. Since you would pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you have at least 19 months between claim filings, you would probably be better off if you elect the higher deductible.

How to determine if higher deductibles are a good idea

Average monthly premium for $100 deductibles: $92
Average monthly premium for $500 deductibles (subtract): – $71
Monthly savings from raising deductible: $21
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $21
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 19 months

One important note is that raising deductibles means you will have to cover more of the damage yourself when you do file a claim. You should have enough savings in the event you need to pay the deductible.

Cost comparison with and without full coverage

The diagram below compares Ford Taurus car insurance rates with full coverage and liability only. The data is based on no violations or accidents, $1,000 deductibles, drivers are single, and no additional discounts are factored in.

Guidelines for eliminating full coverage

There isn’t a written rule of when to phase out physical damage insurance, but there is a broad guideline. If the yearly cost of full coverage is about 10% or more of the replacement cost minus the deductible, then you might want to think about dropping full coverage.

For example, let’s assume your Ford Taurus settlement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $6,000 after paying your policy deductible. If you are paying over $600 a year for your policy with full coverage, then it’s probably a good time to buy liability coverage only.

There are a few cases where only buying liability is not recommended. If you still have a loan on your vehicle, you have to keep full coverage to protect the lienholder’s interest. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should keep full coverage on your policy.

Three good reasons to insure your vehicle

Despite the high cost of buying insurance for a Ford Taurus in Charlotte, insuring your vehicle is required by state law in North Carolina and it also provides benefits you may not be aware of.

The benefits of insuring your car more than offset the price you pay, specifically if you ever have a liability claim. As of last year, the average driver in North Carolina overpays as much as $865 each year so it’s recommended you shop around once a year at a minimum to ensure rates are competitive.

You Can Change Your Insurance Premiums

Many different elements are part of the equation when quoting car insurance. Some of the criteria are obvious such as your driving history, but other factors are less apparent such as your credit history or how financially stable you are.

These discounts can lower your car insurance quotes

Some insurance providers don’t always publicize every possible discount very clearly, so we researched a few of the more common as well as some of the hidden ways to save on car insurance. If you check and find you aren’t receiving every discount you qualify for, you are paying more than you should be.Car insurance discounts

A little disclaimer on discounts, most credits do not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because you may think having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business. Any amount of discount will help lower the amount you have to pay.

The illustration below illustrates the difference between Ford Taurus insurance prices with and without discounts. The premium estimates are based on a female driver, no claims or driving citations, North Carolina state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, marriage, claim-free, multi-car, and homeowner discounts applied.

The best car insurance companies and their offered discounts are shown below.

If you need lower rates, check with every company how you can save money. Some discounts might not apply in every state. If you would like to view companies that offer the discounts shown above in North Carolina, click here.

Getting quotes from local Charlotte car insurance agents

A lot of people still like to buy from a local agent and that is not a bad decision A nice benefit of comparing insurance prices online is that you can obtain better rates and still have an agent to talk to.

Find insurance agent in CharlotteAfter completing this short form, your coverage information is submitted to companies in Charlotte who will return price quotes for your coverage. It simplifies rate comparisons since you won’t have to drive around because quoted prices will be sent to you. You can get cheaper car insurance rates and work with a local agent. If you need to get a comparison quote from a specific company, don’t hesitate to go to their quote page and complete a quote there.

Choosing a provider requires you to look at more than just a cheap price quote. The answers to these questions are important, too.

When narrowing the list to find a reputable agency, you need to know there are two different types of agencies that differ in how they can insure your vehicles. Car insurance agents are either independent agents or exclusive agents.

Exclusive Insurance Agents

Agents that choose to be exclusive can usually just insure with one company and some examples include Allstate, Farmers Insurance or State Farm. Exclusive agencies are unable to provide rate quotes from other companies so it’s a take it or leave it situation. Exclusive agencies are highly trained on sales techniques which aids in selling service over price. A lot of people choose to use a exclusive agent primarily because of high brand loyalty rather than having the cheapest rates.

Below is a short list of exclusive insurance agents in Charlotte that are able to give price quotes.

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Independent Agents

Agents that choose to be independent do not sell for just one brand so they can insure your vehicles amongst many companies and potentially find a lower price. If prices rise, the business is moved internally and you don’t have to do anything.

If you are trying to find cheaper rates, you will definitely want to get some free quotes from a few independent agents in order to compare the most rates. A lot of them also have access to lesser-known insurance companies which can save you money.

Below are independent insurance agents in Charlotte willing to provide rate quotes.

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Keep this in mind when shopping around

You just read a lot of information how to compare Ford Taurus insurance car insurance rates in Charlotte. The most important thing to understand is the more providers you compare, the higher the chance of saving money. You may even be surprised to find that the best price on auto insurance is with a lesser-known regional company.

People change insurance companies for a number of reasons such as delays in paying claims, poor customer service, extreme rates for teen drivers and questionable increases in premium. Regardless of your reason, finding a new auto insurance company can be easier than you think.

As you restructure your insurance plan, do not reduce coverage to reduce premium. There are a lot of situations where drivers have reduced comprehensive coverage or liability limits only to regret at claim time that the savings was not a smart move. Your strategy should be to buy a smart amount of coverage at a price you can afford, but do not skimp to save money.

How to save money on Ford Taurus insurance in Charlotte

If you want to find the absolute lowest rates, then the best way to get budget Ford Taurus insurance in Charlotte is to start comparing prices regularly from insurance carriers in North Carolina.

First, try to comprehend coverages and the things you can change to prevent high rates. Many risk factors that result in higher rates such as at-fault accidents, speeding tickets, and an unacceptable credit score can be rectified by paying attention to minor details.

Second, compare price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from a single company like GEICO or Farmers Insurance, while independent agencies can quote rates for many different companies. Compare rates now

Third, compare the new rate quotes to your current policy to see if cheaper Taurus coverage is available in Charlotte. If you can save some money and switch companies, verify that coverage does not lapse between policies.

One key aspect when comparing rates is that you’ll want to make sure you compare similar coverage information on every quote request and and to compare as many different insurance providers as possible. This guarantees the most accurate price comparison and a good representation of prices.

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