Consumer’s Guide to Shopping For Ford Taurus Insurance in Nevada
Nevada consumers have many options when looking for low-cost Ford Taurus insurance. They can either spend hours contacting agents to compare prices or utilize the internet to make rate comparisons.
There are both good and bad ways to compare car insurance rates so you’re going to learn the quickest way to get price quotes for a new or used Ford and obtain the lowest price either online or from Nevada insurance agents.
It’s smart to price shop coverage yearly since rates go up and down regularly. Even if you got the lowest rates on Taurus insurance two years ago you can probably find a lower rate today. Starting now, ignore everything you know about car insurance because we’re going to show you how to use the internet to reduce your cost while increasing coverage.
If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using these tips. This article will tell you how to effectively get price quotes and some money-saving tips. But Nevada vehicle owners need to have an understanding of the way insurance companies price insurance differently and apply this information to your search.
Car Insurance Comparison Rates in Nevada
Most companies allow you to get prices for coverage on the web. Obtaining pricing is fairly simple as you simply type in the coverage amounts you desire as detailed in the form. After you complete the form, the company’s rating system gets your credit score and driving record and generates a price based on these factors.
Being able to quote online helps simplify price comparisons, but the time required to go to different websites and complete many quote forms can get tiresome after awhile. But it’s very important to perform this step if you are searching for better car insurance pricing.
The smarter way to find cheaper rates requires only one form that gets prices from a bunch of companies at once. It saves time, eliminates repetitive work, and makes online quotes much simpler. Immediately after submitting the form, it is quoted and you can select your choice of the quote results.
If one or more price quotes are lower than your current rates, you simply finish the application and buy the policy. It just takes a couple of minutes and you will know how your current rates stack up.
To quickly compare rates using this form now, click here to open in new window and enter your vehicle and coverage information. If you have coverage now, it’s recommended you enter as close as possible to your current policy. Doing this guarantees you will get rate comparison quotes using the exact same coverages.
Do you qualify for a discount?
The price of auto insurance can be rather high, but discounts can save money and there are some available that you may not even be aware of. Some trigger automatically when you purchase, but some must be specially asked for before being credited.
- Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.
- Passive Restraints and Air Bags – Vehicles with factory air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
- Good Student – Getting good grades can get you a discount of up to 25%. The discount lasts until age 25.
- Paperless Signup – A handful of insurance companies may give you up to $50 for buying a policy and signing up digitally online.
- Seat Belts Save more than Lives – Buckling up and requiring all passengers to use their safety belts could save 15% off your PIP or medical payments premium.
- Safety Course Discount – Taking part in a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.
A little note about advertised discounts, most discounts do not apply to the entire cost. A few only apply to specific coverage prices like comp or med pay. Just because it seems like all the discounts add up to a free policy, you won’t be that lucky. But all discounts will reduce the cost of coverage.
To choose companies offering car insurance discounts in Nevada, click here to view.
What coverages do I need?
When it comes to choosing proper insurance coverage, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.
Here are some questions about coverages that might help in determining whether your personal situation will benefit from professional help.
- Can I afford low physical damage deductibles?
- Do I qualify for additional discounts?
- When does my teenage driver need to be added to my policy?
- Can I rate high risk drivers on liability-only vehicles?
- When should I remove comp and collision on my Ford Taurus?
- Am I covered when driving in Canada or Mexico?
- When should I not file a claim?
If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form.
Impacting insurance rates for a Ford Taurus
It’s important that you understand the rating factors that go into determining the rates you pay for car insurance. Having a good understanding of what determines base rates empowers consumers to make smart changes that could result in lower car insurance prices.
Listed below are some of the items used by your company to calculate premiums.
- Lower rates come with age – Young drivers in Nevada tend to be more careless when behind the wheel so they pay higher car insurance rates. Older insureds are viewed as being more responsible, file fewer claims and are safer drivers.
- Occupation reflects on rates – Did you know your car insurance rates can be affected by your occupation? Jobs such as doctors, social workers and accountants tend to have higher rates than average attributed to high stress levels and lots of time spent at work. On the flip side, professions such as farmers, athletes and performers receive lower rates on Taurus insurance.
- Pay less after the wedding – Having a wife or husband helps lower the price on your car insurance policy. It means you’re more responsible it has been statistically shown that married couples file fewer claims.
- Your location is important – Residing in a small town can be a good thing when talking about car insurance. Drivers who live in large cities tend to have much more traffic and longer commute times. Fewer drivers means reduced accidents and also fewer theft and vandalism claims.
- Do you have enough liability coverage? – Liability insurance provides coverage if you are found to be at fault for personal injury or accident damage. Liability provides legal defense coverage up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so buy as much as you can afford.
- How credit affects car insurance rates – Having a bad credit history is a huge factor in determining what you pay for car insurance. If your credit is not that good, you could be paying less to insure your Ford Taurus by improving your credit score. Drivers with high credit ratings tend to file fewer claims and have better driving records than drivers with lower credit scores.
- Save money with special equipment – Choosing a vehicle that has an advanced theft prevention system can help lower your rates. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart auto theft.
The fine print in car insurance ads
Car insurance providers like Progressive, GEICO, Allstate and State Farm regularly use television and radio advertisements. They all say the same thing about savings if you move your policy. How can each company make almost identical claims?
Insurance companies are able to cherry pick for the right customer that is profitable for them. For example, a desirable insured might be profiled as between the ages of 40 and 55, a clean driving record, and has excellent credit. A customer who matches those parameters will qualify for the lowest rates and most likely will save a lot of money.
Consumers who fall outside the requirements must pay higher prices which leads to the customer not buying. The ads say “customers that switch” but not “drivers who get quotes” save that much money. That is how insurance companies can confidently state the savings.
This illustrates why you should quote coverage with many companies. It’s impossible to know which car insurance company will give you the biggest savings.
Summing up your car insurance search
Affordable Ford Taurus insurance is definitely available both online and also from your neighborhood Nevada agents, and you should compare price quotes from both to have the best rate selection. Some insurance companies may not provide the ability to get a quote online and these smaller companies work with independent agents.
Drivers who switch companies do it for many reasons like lack of trust in their agent, unfair underwriting practices, delays in paying claims or not issuing a premium refund. No matter why you want to switch, switching car insurance companies can be easier than you think.
As you go through the steps to switch your coverage, never sacrifice coverage to reduce premiums. In too many instances, an accident victim reduced full coverage and discovered at claim time that it was a big mistake. Your aim should be to get the best coverage possible at the best price.
Additional information can be read on the Nevada Division of Insurance website. Click here for link. Nevada drivers can read consumer alerts, find a variety of consumer forms, file complaints about a company, and report car insurance fraud.
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