Finding cheaper insurance for a new or used Ford Taurus in Texas can turn out to be a lot of work, but you can learn these tips and make it easy. There are both good and bad ways to find auto insurance online and we’ll show you the best way to quote coverages for a Ford and locate the best price possible either online or from San Antonio insurance agents.
Discounts for cheap auto insurance quotes
Car insurance companies don’t necessarily list all disounts very well, so we break down a few of the more common in addition to some of the lesser obvious discounts you could be receiving when you .
- Discounts for New Vehicles – Putting coverage on a new car can save you some money since newer vehicles have better safety ratings.
- Driver Education Discount – Require your teen driver to complete a driver education course if it’s offered in school.
- Federal Government Employee – Being employed by or retired from a federal job may qualify for a discount when you on Taurus coverage but check with your company.
- Lower Rates for Military – Being on active deployment in the military can result in better rates.
- No Claim Discounts – Drivers who don’t have accidents can save substantially compared to accident-prone drivers.
- Homeowners Savings – Owning a house in San Antonio can save a few bucks because it means you have a higher level of financial diligence.
- Anti-theft System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and earn discounts up to 10% off your .
Drivers should understand that most credits do not apply to your bottom line cost. Most only cut specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, it doesn’t quite work that way.
Companies and some of their more popular discounts are outlined below.
- State Farm policyholders can earn discounts including multiple autos, student away at school, passive restraint, anti-theft, and driver’s education.
- GEICO offers premium reductions for air bags, multi-vehicle, emergency military deployment, federal employee, and anti-theft.
- Progressive may offer discounts for homeowner, multi-policy, online quote discount, multi-vehicle, continuous coverage, good student, and online signing.
- 21st Century offers discounts including air bags, anti-lock brakes, homeowners, theft prevention, good student, and early bird.
- American Family has savings for multi-vehicle, good driver, Steer into Savings, mySafetyValet, and good student.
- The Hartford discounts include good student, driver training, anti-theft, vehicle fuel type, air bag, and defensive driver.
- AAA includes discounts for anti-theft, multi-car, education and occupation, multi-policy, good student, and AAA membership discount.
If you are trying to find , ask each company or agent how you can save money. Discounts may not be offered in every state. To choose companies who offer cheap auto insurance quotes in San Antonio, click here to view.
How Your Taurus Insurance Prices are Determined
Lots of things are used when pricing auto insurance. A few of the factors are predictable such as your driving history, but other factors are more obscure like your continuous coverage or your financial responsibility. 
- Men pay higher costs – Statistics have proven that women are safer drivers than men. This data doesn’t prove that women are better drivers. Males and females cause fender benders in similar numbers, but males get into accidents with more damage. Men also statistically receive more major tickets such as reckless driving. Young men ages 16 to 20 are the most expensive to insure and therefore pay the highest rates.
- Maintain auto insurance coverage – Allowing your auto insurance policy to lapse will be a quick way to pay more for auto insurance. And not only will your rates increase, failure to provide proof of insurance may earn you a hefty fine and possibly a revoked license. You could then be forced to file a SR-22 with the Texas department of motor vehicles.
- Minor frequent policy claims are not good – If you’re an insured who likes to file claims you can look forward to either higher rates or even cancellation. Insurance companies in Texas generally give discounts to drivers who are claim-free. Insurance coverage is intended for claims that pose a financial burden.
- Less chance of injury means lower premiums – Cars with high safety ratings tend to be cheaper to insure. These vehicles reduce the chance of injuries and fewer injuries means less money paid by your insurance company which can mean better rates for you. If your Ford Taurus is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
Car insurance agents are professional risk managers
Many people just want to buy from a licensed agent and that is OK! Experienced insurance agents are trained risk managers and help you file claims. A good thing about getting online price quotes is that drivers can save money and get the best rates and still have an agent to talk to.
After filling out this form (opens in new window), your coverage information is submitted to agents in your area that give free quotes to get your business. There is no reason to leave your house as quotes are delivered immediately to your email address. In the event you want to get a rate quote from a specific auto insurance provider, you can always find their quoting web page and complete a quote there.
Choosing the best company shouldn’t rely on just the quoted price. These are valid questions to ask:
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Where are claims handled?
- Do the companies they represent have a solid financial rating?
- Does the agency have a good rating with the Better Business Bureau?
- Do the coverages you’re quoting properly cover your vehicle?
- How long has their agency been open in San Antonio?
- Who are their largest clients?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
To contact a specific insurance agent in San Antonio, link to this list of insurance agents in San Antonio, TX.
For more Texas car insurance information
Even more information can be read at the Texas Department of Insurance website. Texas drivers can learn about insurance regulations, discover disciplinary actions, and download brochures.
These articles may also be worth reading.
- Easy Guide to Searching Online for a San Antonio Insurance Agency
- Proven Ways for Getting Cheap San Antonio, TX Car Insurance
What is YOUR best insurance company?
As you go through the steps to switch your coverage, make sure you don’t buy poor coverage just to save money. There have been many situations where consumers will sacrifice liability limits or collision coverage and learned later that it was a big mistake. Your objective should be to purchase plenty of coverage at the best possible price, not the least amount of coverage.
Some companies don’t offer rates over the internet and these small insurance companies prefer to sell through independent agents. Lower-priced auto insurance can be sourced online as well as from insurance agents, and you should be comparing both to have the best chance of lowering rates.
Insureds leave their current company for a variety of reasons including high prices, unfair underwriting practices, not issuing a premium refund and delays in paying claims. Regardless of your reason for switching companies, finding a new auto insurance company is pretty easy and you might even save some money in the process.