7 Proven Ways to Slash Ford Taurus Insurance Rates in Las Vegas

Have you had enough of trying to scrape together enough money to pay your car insurance bill each month? You’re in the same situation as millions of other consumers.

Online insurance companies like Allstate, Progressive and GEICO persitently shower you with TV and radio ads and it is difficult to separate fact from fiction and find the best price available.

If you currently have car insurance, you should be able to lower your premiums substantially using this information. Finding affordable coverage in Las Vegas is quite easy. Although Nevada car owners must comprehend how the larger insurance companies sell online and apply this information to your search.

Finding Auto Insurance in Las Vegas

There are a variety of methods to compare auto insurance quotes, but there is one way that is less time-consuming than others. You can waste a few hours (or days) talking to insurance companies in Las Vegas, or you can stay home and use online quotes to get rates in a matter of minutes.

The majority of car insurance companies belong to an insurance system that enables customers to submit their information once, and each company can provide price quotes for coverage. This saves time by eliminating quote requests for each company you want a rate for. To find out how much you can save on auto insurance click here to open in new window.

The single downside to doing it this way is buyers cannot specifically choose which insurance companies you will receive quotes from. So if you want to select from a list of companies to compare prices, we have assembled a list of the cheapest auto insurance companies in Nevada. Click here for list of insurance companies in Nevada.

It’s up to you how you get prices quotes, just make darn sure you compare the exact same coverage information for each price quote. If the quotes have different deductibles it will be impossible to truly determine the lowest rate in Las Vegas. Slightly different limits may cause a big price difference. Keep in mind that comparing more company’s prices will increase your chances of finding the best offered rates.

Discounts can save BIG

Auto insurance companies don’t always advertise every available discount very well, so here is a list both the well known and also the lesser-known auto insurance savings.

• Federal Employees – Active or retired federal employment could cut as much as 10% off for Taurus coverage with a few auto insurance companies.
• Payment Method – By paying your policy upfront instead of paying each month you could save up to 5%.
• Accident Free – Drivers who don’t have accidents pay less when compared to drivers who are more careless.
• Resident Student – Youth drivers who live away from home without a vehicle on campus can receive lower rates.
• Theft Prevention System – Cars that have factory anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
• Drivers Ed for Students – Cut your cost by having your teen driver take driver’s ed class if offered at their school.
• Low Mileage Discounts – Keeping the miles down on your Ford can earn a substantially lower rate.
• Anti-lock Brakes – Vehicles with anti-lock braking systems can avoid accidents and earn discounts up to 10%.
• Discount for Good Grades – This discount can earn a discount of 20% or more. This discount can apply up to age 25.
• Accident Waiver – A handful of insurance companies allow you one accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.

Consumers should know that most credits do not apply to the entire cost. The majority will only reduce individual premiums such as comp or med pay. So even though it sounds like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

To choose insurance companies who offer auto insurance discounts in Las Vegas, click this link.

Can’t I compare rates from local Las Vegas agents?

A small number of people just want to buy from a licensed agent and there is nothing wrong with that. One of the best bonuses of comparing insurance prices online is you may find the lowest rates but still work with a licensed agent.

To find an agent, once you fill out this simple form, your insurance data is emailed to insurance agents in Las Vegas who will compete for your coverage. You don’t have to drive around as quotes are delivered straight to your inbox. How’s that for easy! You can find better rates and a licensed agent to work with.

Picking an insurer needs to be determined by more than just the premium amount. These questions are important to ask:

• How much will you save each year by using a higher deductible?
• Do the coverages you’re quoting properly cover your vehicle?
• Is vehicle damage repaired with OEM or aftermarket parts?
• Is their price quote a firm figure or are their hidden costs?
• Will their companies depreciate repairs to your car based on the mileage?
• Can glass repairs be made at your home?
• Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.

The type of auto insurance agent you choose is important

If you’re trying to find local Las Vegas agents, there are a couple of types of agencies to choose from. Agents are categorized either captive or independent.

Captive Insurance Agents

Captive agencies can only place business with one company and some examples include Allstate, Farmers Insurance, State Farm and AAA. These agents are unable to compare other company’s rates so always compare other rates. Captives are usually quite knowledgeable in insurance sales which can be an advantage.

Independent Agents

Independent agencies do not work for one specific company so they have the ability to put coverage with any number of different companies and possibly get better coverage at lower prices. If your agent finds better pricing, the agent simply finds a different carrier and you don’t have to find a new agent. When comparison shopping, it’s a good idea to get quotes from at a minimum one independent agency for the best price selection.

After getting satisfactory answers to all your questions and locked in a price quote, chances are good that you have found a car insurance agent that can insure your vehicles.

Even more information is available at the Nevada Division of Insurance website. Consumers can find out which companies have the most complaints, view agent and company licensing information, and view a list of available companies.

Other related articles:

• How to Get the Best Insurance Rates on a Toyota 4Runner in Las Vegas
• Five Minute Guide to Researching a North Las Vegas, NV Car Insurance Agent

In Summary

We just showed you quite a bit of information on how to compare Ford Taurus insurance prices online. It’s most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. You may even discover the lowest rates come from some of the smallest insurance companies. These smaller insurers can often provide lower rates in certain areas compared to the large companies like Allstate, GEICO and Progressive.

When buying insurance coverage, it’s not a good idea to buy less coverage just to save a little money. There are many occasions where drivers have reduced full coverage and discovered at claim time they didn’t have enough coverage. Your goal should be to buy enough coverage for the lowest price.

Discount Ford Taurus insurance can be bought online and also from your neighborhood Las Vegas agents, so you should compare both in order to have the best chance of saving money. A few companies may not provide online price quotes and most of the time these smaller companies sell through independent agents.