Cheap Quotes for Ford Taurus Insurance in Denver

Do you want an efficient way to compare cheaper Ford Taurus insurance in Denver? Buying affordable Denver Ford Taurus insurance quotes over the internet can appear to be impossible for drivers not familiar with comparing rates and buying auto insurance on the internet. With so many agents and online companies, how are drivers expected to efficiently compare every company to locate the cheapest available price?

It’s hard to fathom, but most auto insurance buyers in Colorado kept buying from the same company for four years or more, and nearly half have never quoted rates to find affordable coverage. Many drivers in America could save 46.5% a year just by getting comparison quotes, but they don’t believe the actual amount they would save if they changed companies.

Locating the best insurance company for you in Denver is actually quite simple. Nearly anyone who comparison shops for insurance should be able to find better rates. But Colorado car owners benefit from understanding how big insurance companies determine prices.

The quickest way to compare car insurance rates for Ford Taurus insurance in Denver is to take advantage of the fact all the major auto insurance companies will pay a fee to compare their rates. To start a quote, the only thing you need to do is take a few minutes to give details including how much education you have, the ages of drivers, whether your vehicle is owned or leased, and how you use your vehicles. Your information is instantly submitted to multiple top-rated companies and you will receive price estimates immediately.

To find lower affordable Ford Taurus insurance rates now, click here and find out if lower rates are available in Denver.

The companies shown below are our best choices to provide price comparisons in Colorado. If the list has multiple companies, we recommend you get rate quotes from several of them to get the best price comparison.

Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Prices do not factor in vehicle garaging location which can impact coverage prices substantially.

Physical damage deductible comparison

One of the hardest decisions when shopping for car insurance is what deductibles to buy. The following tables can help you understand the difference in cost between high and low physical damage deductibles. The first rate comparisons uses a $250 deductible and the second price grid uses a $1,000 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Rate quotes do not factor in zip code location which can modify coverage rates substantially.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you about $29 more each month or $348 a year than buying the higher $1,000 deductible. Since you would have to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have at a minimum 26 months between claim filings, you would probably be better off if you opt for a higher deductible.

Cost difference between full coverage and liability

The chart below shows the comparison of Ford Taurus insurance prices with full physical damage coverage compared to only buying the minimum liability limits required in Colorado. The prices are based on no driving violations, no at-fault accidents, $500 deductibles, married female driver, and no discounts are applied.

When to buy liability coverage only

There is no definitive guideline to drop comp and collision coverage, but there is a general school of thought. If the annual cost of your full coverage insurance is about 10% or more of the settlement you would receive from your company, then it could be time to drop full coverage.

For example, let’s assume your Ford Taurus book value is $3,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, you would only receive $2,000 after paying your deductible. If you are paying over $200 annually to have full coverage, then you might want to think about dropping full coverage.

There are a few situations where removing full coverage is not financially feasible. If you still have a lienholder on your title, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should not opt for liability only.

Comparison of policy deductibles

The chart below illustrates how your deductible choice and can increase or decrease Ford Taurus insurance costs for different ages of insureds. The data is based on a married female driver, full coverage, and no discounts are factored in.

Verify you’re earning every discount

Insurance can cost an arm and a leg, but you may be missing some discounts to help offset the cost. A few discounts will be applied at quote time, but some must be requested specifically before being credited.

• Active Service Discounts – Being on active deployment in the military may lower your insurance rates slightly.
• Data Collection Discounts – Insureds that choose to allow driving data collection to track their driving habits by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive could see a rate decrease if their driving habits are good.
• Theft Prevention Discount – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and qualify for as much as a 10% discount.
• Homeowners Savings – Just being a homeowner can help you save on insurance because maintaining a house requires personal responsibility.
• Low Mileage Discounts – Fewer annual miles on your Ford may allow you to get lower insurance rates due to less chance of an accident.
• Auto/Home Discount – If you insure your home and vehicles with the same insurance company you could earn a discount of over 10 percent off each policy depending on the company.
• Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to use their safety belts can save 10% or more off the PIP or medical payment premium.

As a sidenote, most discounts do not apply to all coverage premiums. Some only reduce individual premiums such as liability, collision or medical payments. So even though they make it sound like adding up those discounts means a free policy, it just doesn’t work that way. Any qualifying discounts should help reduce your insurance premiums.

A few of the larger companies and some of their more popular discounts are:

• Farmers Insurance offers discounts including multi-car, distant student, youthful driver, homeowner, bundle discounts, switch companies, and teen driver.
• State Farm may have discounts that include accident-free, good driver, passive restraint, student away at school, multiple autos, multiple policy, and safe vehicle.
• Liberty Mutual may include discounts for safety features, new move discount, multi-policy, new vehicle discount, and multi-car.
• MetLife policyholders can earn discounts including claim-free, defensive driver, multi-policy, good student, good driver, and accident-free.
• Progressive may offer discounts for multi-vehicle, continuous coverage, online signing, homeowner, and online quote discount.

If you are trying to find the cheapest Ford Taurus rate quotes, ask each company or agent to apply every possible discount. Some discounts listed above may not apply to policyholders in your area. To choose providers offering insurance discounts in Denver, click here.

Local Denver car insurance agents

Some people still prefer to get professional advice from a licensed agent and that is a personal choice. A nice benefit of comparing auto insurance online is the fact that you can find cheap auto insurance quotes but also keep your business local.

To make it easy to find an agent, after completing this simple form, the coverage information is submitted to companies in Denver who will give you bids for your insurance coverage. You never need to even leave your home due to the fact that quote results will go to you. You’ll get the best rates without a big time investment. If you wish to quote rates from a specific auto insurance provider, just visit that company’s website and fill out the quote form the provide.

Finding the right insurer is decision based upon more than just a cheap price. Get answers to these questions too.

• Does the agency have a positive business rating?
• Does the agent help file claims?
• Will they give you a referral list?
• What insurance companies do they recommend if they are an independent agent?
• Do they specialize in personal lines coverage in Denver?

The following is a short list of insurers in Denver that may be willing to give price quotes for Ford Taurus insurance in Denver.

• Tammy Hill – State Farm Insurance Agent
  4650 Tower Rd Unit 101 – Denver, CO 80249 – (303) 373-9500 – View Map
• State Farm: Sid Priday
  2955 Inca St #1b – Denver, CO 80202 – (303) 825-7909 – View Map
• Bao Ngoc Nguyen – State Farm Insurance Agent
  1699 S Federal Blvd b – Denver, CO 80219 – (303) 975-1100 – View Map
• Don Middleton – State Farm Insurance Agent
  1900 Wazee St #1538 – Denver, CO 80202 – (303) 595-5500 – View Map

View more agents

If you receive reasonable responses to your questions and a low price estimate, you’ve probably found an insurer that meets your needs to insure your vehicles. Just understand that it’s your policy and you can terminate your policy whenever you wish so don’t feel you’re contractually obligated to any specific company with no way out.

But the ad said I’d save 15% in 15 minutes!

Allstate, GEICO and Progressive endlessly run television and radio advertisements. All the companies say the same thing that you’ll save big if you change your coverage. How is it plausible that every one can lower your premium rates? It’s all in the wording.

All companies give the cheapest rates for the type of driver that is profitable for them. An example of this type of driver might be over the age of 50, has no prior claims, and the vehicle is rated for pleasure use. A customer getting a price quote who fits that profile will probably get the lowest prices and will also save some money.

Drivers who don’t qualify for those standards will probably be forced to pay higher premium rates which usually ends up with business going elsewhere. The trick companies use is to say “people who switch” not “everybody who quotes” save money. That is how companies can truthfully state the savings. Each company has different criteria, so you absolutely need to compare many company’s prices. It’s not possible to predict which insurance companies will have the best Ford Taurus insurance in Denver.

Information about specific coverages

Understanding the coverages of your insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive coverage – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like falling objects, damage from flooding, hail damage, vandalism and fire damage. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as hospital visits, rehabilitation expenses, ambulance fees, prosthetic devices and surgery. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Collision coverages – This pays for damage to your Taurus resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as colliding with another moving vehicle, sustaining damage from a pot hole, rolling your car and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible on your Taurus to save money on collision insurance.

Uninsured/Underinsured Motorist coverage – This gives you protection when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family and damage to your Ford Taurus.

Because many people only carry the minimum required liability limits (Colorado limits are 25/50/15), their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Auto liability – Liability coverage protects you from injuries or damage you cause to other people or property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/15 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $15,000 paid for damaged property.

Liability insurance covers things like medical expenses, bail bonds, repair costs for stationary objects and pain and suffering. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford. Colorado requires minimum liability limits of 25/50/15 but drivers should carry more liability than the minimum.

Cheaper auto insurance rates are out there

The cheapest Ford Taurus insurance in Denver is available both online in addition to local insurance agencies, and you need to price shop both to get a complete price analysis. There are still a few companies who may not offer online price quotes and usually these regional carriers sell through independent insurance agencies.

Insureds switch companies for any number of reasons including poor customer service, high rates after DUI convictions, policy cancellation or an unsatisfactory settlement offer. It doesn’t matter why you want to switch finding the right auto insurance provider is pretty easy and you might even save some money in the process.

When you buy Denver auto insurance online, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are many occasions where an insured dropped uninsured motorist or liability limits and learned later that the small savings ended up costing them much more. The proper strategy is to buy a smart amount of coverage at a price you can afford but still have enough coverage for asset protection.

Additional learning opportunities

• Prepare your Teens for Safe Driving (InsureUonline.org)
• What Auto Insurance is Cheapest for Drivers Under 21 in Denver? (FAQ)
• Who Has Affordable Denver Auto Insurance Quotes for Low Credit Scores? (FAQ)
• Who Has Cheap Car Insurance for Retired Military in Denver? (FAQ)
• What Car Insurance is Cheapest for a 20 Year Old Male in Denver? (FAQ)
• Auto Insurance Learning Center (State Farm)
• Understanding Car Crashes Video (iihs.org)