Finding the cheapest insurance for a new or used Ford Taurus in Texas can normally be a lot of work, but you can follow these tips to make it easier. There is a right way and a wrong way to shop for car insurance and we’ll show you the quickest way to price shop coverage for a Ford and locate the best price possible.
Buying car insurance in Austin is easy if you know what you’re doing. If you have a current car insurance policy or are shopping for new coverage, you can learn to reduce the price you pay and possibly find even better coverage. Texas drivers just need to learn the proper methods to compare prices on the web.
Car insurance policy discounts
Some insurance providers don’t always publicize the complete list of policy discounts very well, so the below list has a few of the more common and the more hidden credits available to bring down your rates.
- Safe Drivers – Safe drivers can pay as much as 50% less on Taurus insurance than drivers with accidents.
- Waiver for an Accident – Not a discount per se, but a few companies such as Allstate and State Farm may permit one accident before raising your premiums if your claims history is clear for a particular time prior to the accident.
- College Student Discount – Older children who are enrolled in higher education away from home and don’t have a car could qualify for this discount.
- Military Rewards – Being deployed with a military unit could trigger a small discount.
- Discounts for New Vehicles – Insuring a vehicle that is new can save up to 30% due to better safety requirements for new model year vehicles.
- Homeowners Savings – Owning a home in Austin may earn you a small savings because owning a home demonstrates responsibility.
- Discounts for Multiple Vehicles – Buying a policy with multiple vehicles on the same car insurance policy could earn a price break for each car.
One thing to note about discounts is that most discount credits are not given to the entire cost. Some only apply to the price of certain insurance coverages like comprehensive or collision. So when it seems like you could get a free car insurance policy, companies don’t profit that way. Any amount of discount will help lower the amount you pay for coverage.
Large car insurance companies and the discounts they provide are shown below.
- State Farm offers discounts for multiple autos, Steer Clear safe driver discount, anti-theft, multiple policy, accident-free, and good driver.
- GEICO may have discounts that include anti-theft, anti-lock brakes, good student, defensive driver, air bags, and multi-policy.
- Liberty Mutual includes discounts for hybrid vehicle, new vehicle discount, good student, teen driver discount, and safety features.
- The Hartford offers discounts including driver training, anti-theft, defensive driver, good student, bundle, and air bag.
- MetLife policyholders can earn discounts including good driver, multi-policy, claim-free, defensive driver, good student, and accident-free.
- Progressive offers premium reductions for homeowner, online quote discount, multi-policy, multi-vehicle, and continuous coverage.
When getting a coverage quote, ask every prospective company which discounts you may be entitled to. Some discounts may not apply to policies in every state. To find insurers that provide some of the discounts listed above in Texas, follow this link.
Even more information is available at the Texas Department of Insurance website. Texas drivers can find out industry alerts, view agent and company licensing information, and get help finding coverage.
These articles may also be worth reading.
- New Tricks for Cutting Costs on on Austin, TX Car Insurance
- Car Insurance in Austin Texas 7 Discounts You Might be Missing
Compare but don’t skimp
Lower-priced Ford Taurus insurance can be found on the web and also from your neighborhood Austin agents, so you need to with both to get a complete price analysis. Some insurance companies don’t offer internet price quotes and most of the time these small, regional companies prefer to sell through local independent agencies.
We covered many tips how you can lower your Ford Taurus insurance prices. The key concept to understand is the more rate quotes you have, the better likelihood of getting . You may even discover the lowest prices are with a lesser-known regional company.
As you shop your coverage around, it’s very important that you do not buy poor coverage just to save money. There are too many instances where someone dropped liability coverage limits and learned later that their decision to reduce coverage ended up costing them more. The ultimate goal is to purchase a proper amount of coverage at the best possible price, but do not sacrifice coverage to save money.