Insurance rates Ford Taurus in EvansvilleHow many times have you put off comparing quotes for low-cost car insurance rates in Evansville, IN? Evansville buyers have many options when searching for the best price on Ford Taurus insurance. You can either spend your time driving around getting price quotes or utilize the internet to make rate comparisons.

There are both good and bad ways to buy car insurance so we're going to tell you the absolute fastest way to quote coverages for a new or used Ford and obtain the lowest possible price either online or from Evansville insurance agents.

Unfortunately, the vast majority of consumers have stayed with the same insurance company for four years or more, and nearly the majority have never even shopped around for affordable coverage. With the average car insurance premium being $1,400, Indiana drivers could save roughly $700 a year, but most undervalue the amount of savings they would get if they moved their coverage to a different company.

Consumers should take time to compare premium rates as often as possible due to the fact that insurance prices are constantly changing. Just because you found the lowest quotes on Ford Taurus insurance in Evansville a year ago the chances are good that you can find a lower rate today. You can find a lot of misleading information regarding Taurus insurance on the web, but we're going to give you some guaranteed methods to lower your car insurance rates in Evansville.

Our goal in writing this article instruct you on how to effectively get price quotes and some money-saving tips. If you are already insured, you should be able to get lower rates using the concepts covered in this article. You only need an understanding of the proper methods to get comparison quotes online.

The providers in the list below are ready to provide comparison quotes in Indiana. If more than one company is shown, we recommend you visit as many as you can in order to get a fair rate comparison.

Ford Taurus Insurance Rates in Evansville, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Taurus SE $272 $450 $380 $22 $114 $1,238 $103
Taurus SEL $276 $472 $290 $18 $86 $1,142 $95
Taurus SEL AWD $234 $444 $318 $18 $94 $1,108 $92
Taurus Limited $212 $366 $270 $16 $80 $944 $79
Taurus Limited AWD $310 $496 $368 $22 $110 $1,306 $109
Taurus SHO AWD $186 $312 $280 $16 $84 $878 $73
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Indiana minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Premium amounts do not factor in your specific Evansville location which can modify insurance rates significantly.

Deductible analysis

A question often asked by Evansville drivers is which deductible level should you buy. The rates shown below can help you understand the cost difference when you select higher and lower deductibles. The first set of prices uses a $100 deductible for comprehensive and collision coverage and the second set of rates uses a $500 deductible.

Ford Taurus insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Taurus SE $272 $436 $280 $16 $84 $1,113 $93
Taurus SEL $304 $514 $280 $16 $84 $1,223 $102
Taurus SEL AWD $304 $514 $280 $16 $84 $1,223 $102
Taurus Limited $304 $514 $280 $16 $84 $1,223 $102
Taurus Limited AWD $304 $592 $280 $16 $84 $1,301 $108
Taurus SHO AWD $334 $592 $280 $16 $84 $1,331 $111
Get Your Own Custom Quote Go
Ford Taurus insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Taurus SE $200 $294 $280 $16 $84 $874 $73
Taurus SEL $222 $348 $280 $16 $84 $950 $79
Taurus SEL AWD $222 $348 $280 $16 $84 $950 $79
Taurus Limited $222 $348 $280 $16 $84 $950 $79
Taurus Limited AWD $222 $400 $280 $16 $84 $1,002 $84
Taurus SHO AWD $244 $400 $280 $16 $84 $1,024 $85
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Table data does not factor in the specific area where the vehicle is garaged which can alter premium rates considerably.

Using the data above, we can ascertain that using a $100 deductible will cost you roughly $23 more each month or $276 annually than quoting the higher $500 deductible. Since you would have to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you average more than 17 months between claim filings, you would probably save some money if you elect the higher deductible.

Car insurance premiums based on gender

The illustration below shows the difference between Ford Taurus insurance rates for male and female drivers. The prices are based on no claims or driving citations, full physical damage coverage, $1,000 deductibles, drivers are single, and no discounts are applied.

Three main reasons to buy auto insurance

Even though it can be expensive, insurance is not optional due to several reasons.

The benefits of carrying enough insurance greatly outweigh the cost, particularly if you ever have a claim. An average driver in America overpays more than $850 per year so you should quote your policy with other companies at every renewal to save money.

Slick advertising tricks that work

Consumers in Indiana can't get away from ads that claim the cheapest premium rates from the likes of Progressive, GEICO, Allstate and State Farm. All the ads have a common claim that you'll save big just by moving your policy.

How is it plausible that every one can make the same claim?

Insurance providers have specific guidelines for the type of insured that will generate a profit. A good example of this type of insured may need to be married and over the age of 30, carries full coverage, and insures a new vehicle. A propective insured that meets those criteria gets the lowest auto insurance rates and will save when switching.

Consumers who do not match the requirements may receive a higher rate which leads to the customer buying from a different company. If you pay close attention to the ads, they say "customers who switch" not "all people who quote" can get the lowest rates when switching. This is how insurance companies can confidently make it sound like they have such great premium rates.

Because every company is different, drivers should compare as many free Evansville car insurance quotes as you can. It's just too difficult to predict with any certainty which company will have the best auto insurance rates for your profile.

Evansville auto insurance discounts

Auto insurance is neither fun to buy or cheap, but there's a good chance there are discounts that could help you make your next renewal payment. Many of these discounts will be applied automatically at the time of purchase, but occasionally some discounts must be manually applied prior to getting the savings.Cheaper auto insurance with discounts

Discounts lower rates, but most of the big mark downs will not be given to all coverage premiums. Some only reduce specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears you can get free auto insurance, companies don't profit that way.

If you would like to choose from a list of insurance companies who offer discounts in Evansville, click here.

Compare rates but buy from a neighborhood Evansville auto insurance agent

Some people would prefer to have an agent's advice and that is recommended in a lot of cases Licensed agents can help you build your policy and give you someone to call. A nice benefit of comparing car insurance online is that you can obtain cheap car insurance quotes and still have an agent to talk to. Supporting local agencies is still important in Evansville.

Evansville insurance agentsTo help locate an agent, after submitting this short form, your insurance data gets sent to local insurance agents who will give competitive quotes for your business. You won't need to search for an agent due to the fact that quote results will go to you directly. If you need to quote rates for a specific company, you would need to search and find their rate quote page and submit a quote form there.

When finding a reputable agency, you must know there are a couple different types of agencies and how they function. Evansville agents can be classified as either independent agents or exclusive agents depending on their employer. Both can sell affordable car insurance policies, but it's important to know the subtle differences since it can impact your selection of an agent.

Independent Car Insurance Agencies

Agents that choose to be independent often have many company appointments so they can quote policies amongst many companies and get you the best rates possible. If they find a cheaper price, the business is moved internally and you can keep the same agent.

When comparing rates, we highly recommend that you get insurance quotes from a couple of independent agencies so that you can do a thorough price comparison. Most independent agents also contract with companies that do not advertise much which could offer lower prices.

The following are independent agencies in Evansville who may provide rate quotes.

More insurance agents

Exclusive Agencies

Agents of this type have only one company to place business with such as Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agencies are unable to shop your coverage around so they really need to provide good service. Exclusive agents are well schooled on the products they sell which aids in selling service over price. Many people buy from exclusive agents mostly because of the brand instead of buying on price only.

Shown below are Evansville exclusive insurance agencies willing to provide comparison quotes.

More insurance agents

Picking the best car insurance agent shouldn't rely on just a low price. These are valid questions to ask:

Quote more and you will save more

Consumers leave their current company for a number of reasons such as questionable increases in premium, being labeled a high risk driver, high rates after DUI convictions or even delays in paying claims. No matter why you want to switch, switching companies is pretty simple and you could end up saving a buck or two.

Budget-friendly auto insurance in Evansville can be sourced on the web and from local insurance agents, and you should be comparing both to have the best chance of lowering rates. A few companies don't offer internet price quotes and usually these smaller companies prefer to sell through independent insurance agents.

As you shop your coverage around, you should never reduce coverage to reduce premium. In too many instances, consumers will sacrifice uninsured motorist or liability limits only to regret at claim time they didn't purchase enough coverage. Your aim should be to purchase a proper amount of coverage at an affordable rate and still be able to protect your assets.

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