Find Cheaper Ford Taurus Insurance in San Antonio

  1. Home
  2. >
  3. Popular Vehicles
  4. >
  5. Ford Taurus

Do you want low-cost Ford Taurus insurance in San Antonio? No sane person gets a kick out of paying for car insurance, in particular when they are paying too much.

Insurance quote for Ford Taurus in San AntonioIt's well known that insurance companies don't want you comparing rates. Insureds who compare other rates are inclined to switch companies because they have a good chance of finding a more affordable policy. A survey found that people who did price comparisons regularly saved on average $72 a month compared to policyholders who never compared other company's rates.

If finding the cheapest rates on insurance is the reason you're reading this, knowing how to find companies and compare insurance can make the process more efficient.

You have multiple insurance companies to purchase coverage from, and although it's a good thing to have a selection, too many choices makes it more difficult to find a good deal for Ford Taurus insurance in San Antonio.

It's a great practice to compare premium rates periodically because insurance prices are constantly changing. Despite the fact that you may have had the best deal on Ford Taurus insurance in San Antonio six months ago there is a good chance you can find better premium rates now. Block out anything you think you know about car insurance because we're going to demonstrate the fastest way to get good coverage on Ford Taurus insurance in San Antonio at a lower rate.

Finding the cheapest coverage in San Antonio is not rocket science. Essentially each driver who is looking for cheaper auto insurance stands a good chance to find a lower-cost company. But Texas drivers can benefit by having an understanding of how big insurance companies calculate your auto insurance rates and use it to find better rates.

It's important to know that comparing more rates from different companies helps you find a lower rate than you're paying now. Some smaller insurers do not give San Antonio Taurus insurance quotes over the internet, so it's important to compare price estimates from them, too.

The companies shown below are ready to provide free rate quotes in San Antonio, TX. If multiple companies are shown, we suggest you visit as many as you can in order to get a fair rate comparison.

Ford Taurus insurance discounts in San Antonio

Some companies don't always list all their discounts very well, so the list below contains some of the more common as well as the least known credits that may apply to you. If you don't get every credit possible, you're just leaving money on the table.Car insurance discounts

  • Student in College - Children living away from San Antonio attending college without a vehicle on campus may be able to be covered for less.
  • Discount for Swiching Early - Some larger companies give discounts for switching policies early. It can save you around 10%.
  • Waiver for an Accident - Not a discount per se, but companies like Liberty Mutual, GEICO and Allstate allow you one accident without the usual rate increase so long as you haven't had any claims for a certain period of time.
  • Senior Discount - If you qualify as a senior citizen, you may receive a discount up to 10%.
  • Payment Method - By making one initial payment rather than paying in monthly installments you may reduce your total bill.
  • Theft Deterrent System - Vehicles that have factory alarm systems and tracking devices are stolen less frequently and that can save you a little bit as well.
  • Use Seat Belts - Drivers who require all occupants to buckle up before driving can save a little off the personal injury premium cost.

A quick disclaimer, most credits do not apply to your bottom line cost. Most only apply to specific coverage prices like liability, collision or medical payments. Even though the math looks like you would end up receiving a 100% discount, car insurance companies aren't that generous.

The illustration below illustrates the comparison of Ford Taurus auto insurance costs with and without discounts being applied to the rates. The rates are based on a male driver, no violations or claims, Texas 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 marriage, claim-free, multi-policy, safe-driver, multi-car, and homeowner discounts applied.

A list of car insurance companies and some of the discounts are detailed below.

  • State Farm may have discounts that include multiple policy, good driver, defensive driving training, Steer Clear safe driver discount, Drive Safe & Save, driver's education, and anti-theft.
  • GEICO has savings for emergency military deployment, anti-lock brakes, five-year accident-free, multi-vehicle, multi-policy, and seat belt use.
  • Liberty Mutual may offer discounts for new graduate, good student, newly married, exclusive group savings, hybrid vehicle, and preferred payment discount.
  • The Hartford has discounts for air bag, defensive driver, driver training, good student, and vehicle fuel type.
  • MetLife discounts include good student, accident-free, multi-policy, claim-free, good driver, and defensive driver.
  • Progressive offers discounts including good student, online signing, multi-policy, online quote discount, multi-vehicle, continuous coverage, and homeowner.

Double check with every company the best way to save money. Some discounts may not apply to policyholders in San Antonio.

Rates and data analysis

The information below showcases detailed analysis of insurance policy prices for Ford Taurus models. Understanding more about how auto insurance policy rates are formulated can help you make smart choices when comparing insurance rates.

Ford Taurus Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Taurus SE $208 $332 $358 $22 $108 $1,028 $86
Taurus SEL $232 $392 $358 $22 $108 $1,112 $93
Taurus SEL AWD $232 $392 $358 $22 $108 $1,112 $93
Taurus Limited $232 $392 $358 $22 $108 $1,112 $93
Taurus Limited AWD $232 $450 $358 $22 $108 $1,170 $98
Taurus SHO AWD $256 $450 $358 $22 $108 $1,194 $100
Get Your Own Custom Quote Go

Data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Prices do not factor in specific San Antonio garaging location which can raise or lower coverage rates greatly.

Physical damage deductibles: Should you raise them?

A question often asked by San Antonio drivers is the level to set your comp and collision deductibles. The following insurance rates can help you visualize the cost difference of buying low and high physical damage deductibles. The first rate quote example uses a $100 deductible for comprehensive and collision coverage and the second pricing table uses a $1,000 deductible.

Ford Taurus insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Taurus SE $370 $592 $382 $22 $114 $1,505 $125
Taurus SEL $412 $698 $382 $22 $114 $1,653 $138
Taurus SEL AWD $412 $698 $382 $22 $114 $1,653 $138
Taurus Limited $412 $698 $382 $22 $114 $1,653 $138
Taurus Limited AWD $412 $804 $382 $22 $114 $1,759 $147
Taurus SHO AWD $454 $804 $382 $22 $114 $1,801 $150
Get Your Own Custom Quote Go
Ford Taurus insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Taurus SE $206 $312 $382 $22 $114 $1,036 $86
Taurus SEL $228 $368 $382 $22 $114 $1,114 $93
Taurus SEL AWD $228 $368 $382 $22 $114 $1,114 $93
Taurus Limited $228 $368 $382 $22 $114 $1,114 $93
Taurus Limited AWD $228 $424 $382 $22 $114 $1,170 $98
Taurus SHO AWD $252 $424 $382 $22 $114 $1,194 $100
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Estimates do not factor in specific garaging location which can affect rates greatly.

We can estimate from the data above that using a $100 deductible costs approximately $45 more each month or $540 for a full year than quoting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you normally average at least 20 months between claims, you would more than likely save some money by selecting a higher deductible. The illustration below shows the way we made this calculation.

Average monthly premium for $100 deductibles: $139
Average monthly premium for $1,000 deductibles (subtract): - $94
Monthly savings from raising deductible: $45
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $45
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 20 months

An important thing to remember is that increasing deductibles to lower your rates means you will have to cover more of the damage yourself at claim time. That will necessitate some money saved in the event you have to pay the higher deductible.

Cost difference between full coverage and liability

The example below shows the difference between Ford Taurus auto insurance costs with and without physical damage coverage. The data is based on no accidents or driving violations, $500 deductibles, single marital status, and no policy discounts are applied.

Should you pay for full coverage?

There is no definitive formula for eliminating comp and collision coverage, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is more than 10% of the vehicle's replacement cost less your deductible, then you might consider buying liability only.

For example, let's say your Ford Taurus claim settlement value is $3,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $2,000 after paying your deductible. If you are paying over $200 annually to have full coverage, then you might consider buying liability only.

There are a few situations where dropping physical damage coverage is not in your best interest. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not buy liability only.

What Affects Ford Taurus Insurance Costs?

Part of the car insurance buying process is learning a few of the rating criteria that help calculate the price you pay for car insurance. If you have some idea of what controls the rates you pay, this enables informed choices that will entitle you to lower premium levels.

Shown below are most of the major factors used by companies to determine prices.

Raising physical damage deductibles lowers premiums - Coverage for physical damage, aka comp and collision, insures against damage to your Ford. Some examples of claims that would be covered are collision with another vehicle, collision with an animal, or theft. Comp and collision deductibles tell how much you are required to pay before a claim is paid by your company. The more money the insured has to pay upfront, the less your company will charge you for insurance.

Better car insurance rates on cars with good safety ratings - Safer cars get lower rates. These vehicles reduce injuries and lower rates of occupant injuries means less money paid by your insurance company and thus lower rates. If the Ford Taurus has at least an "acceptable" rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.

Fewer miles means better prices - The more you drive your Ford each year the higher the price you pay to insure it. A lot of companies calculate prices based on how the vehicle is used. Autos used primarily for pleasure use get more affordable rates than vehicles that are driven to work every day. Incorrect rating for your Taurus is just wasting money. Verify your policy reflects annual mileage.

Eliminate unneeded incidental coverages - Insurance policies have a lot of add-on coverages that may not really be needed on your Taurus policy. Insurance for rental car coverage, accidental death, and motor club memberships may not be needed and are just wasting money. These coverages may sound good at first, but your money might be better spent on other coverage so consider taking them off your policy.

Does your job raise your prices? - Did you know that where you work can have an impact on rates? Occupational choices like real estate brokers, air traffic controllers, and medical professionals tend to have the highest average rates in part from stressful work requirements and lengthy work days. On the other hand, jobs such as professors, athletes and retirees generally pay rates lower than average.

Never allow your car insurance policy to lapse - Driving with no insurance is not a good idea and as a result your rates will increase for letting your insurance coverage expire. In addition to paying higher rates, getting caught without coverage may earn you a revoked license or a big fine.

Vehicle risk impacts premiums - The performance level of the vehicle you own makes a significant difference in your rates. Economy passenger cars receive the most favorable rates, but the cost you end up paying is determined by many additional factors.

The following chart uses these assumptions: single female driver age 20, full coverage with $100 deductibles, and no discounts or violations. It shows Ford Taurus car insurance rates compared to other models that have different risk factors.

Insurance losses for a Ford Taurus - Companies study historical loss data to help calculate premium rates. Vehicles that are shown to have a higher amount or frequency of claims will have increased rates.

The table below demonstrates the insurance loss data for Ford Taurus vehicles. For each coverage type, the claim probability for all vehicles, without regard to make or model, equals 100. Values below 100 imply a favorable loss record, while numbers above 100 indicate more frequent losses or an increased chance of larger losses than average.

Ford Taurus Insurance Claim Statistics
Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Ford Taurus 2WD 109 88 134 115 115 101
Ford Taurus 4WD 120 78 141 124
Ford Taurus SHO 4WD 143 96 185 84 103
BETTER
AVERAGE
WORSE

Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Compare rates but work with a local San Antonio insurance agent

Some consumers just want to buy from a local agent and there is nothing wrong with that. An additional benefit of price shopping on the web is you may find cheap rate quotes and still buy from a local agent.

Insurance agency in San AntonioFor easy comparison, once you complete this simple form, your insurance data gets sent to insurance agents in San Antonio who will give competitive quotes for your coverage. There is no reason to leave your house due to the fact that quote results will go directly to you. You can find lower rates and a licensed agent to talk to. If you have a need to get a comparison quote from a particular provider, don't hesitate to navigate to their website to submit a rate quote request.

Picking the best provider requires more thought than just a cheap quote. Any good agent in San Antonio should know the answers to these questions.

  • Are there any discounts for paying up front?
  • Will the company cover a rental car if your car is getting fixed?
  • Do they get extra compensation for selling add-on coverages?
  • How long have they worked with personal auto insurance coverage?
  • Which companies do they recommend if they are an independent agency?

In the end, you can save money

Some car insurance companies may not offer online quoting and most of the time these small insurance companies provide coverage only through local independent agents. Low-cost Ford Taurus insurance in San Antonio can be purchased on the web in addition to local insurance agencies, and you should compare price quotes from both to have the best chance of lowering rates.

When getting San Antonio auto insurance quotes online, do not skimp on critical coverages to save a buck or two. In many instances, an accident victim reduced comprehensive coverage or liability limits only to regret that they should have had better coverage. Your aim should be to find the BEST coverage at an affordable rate but still have enough coverage for asset protection.

To read more, feel free to browse these articles: