Ford Taurus Insurance Rates in Chula Vista

Unbelievable but true according to a study nearly 70% of customers have purchased from the same company for well over three years, and virtually 40% of consumers have never even shopped around for cheaper coverage. Many consumers in California could save themselves $469 a year, but they underestimate how much money they would save if they bought a different policy.

Insurance rates Ford Taurus in Chula VistaThe best way we recommend to find cheaper prices for Ford Taurus insurance is to start comparing rates regularly from insurers who can sell car insurance in Chula Vista.

Step 1: Spend a few minutes and learn about how companies price auto insurance and the changes you can make to prevent expensive coverage. Many rating factors that cause high rates such as high-risk driving behaviors and a bad credit score can be improved by paying attention to minor details.

Step 2: Compare prices from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can give quotes from a single company like GEICO and Allstate, while agents who are independent can quote rates for many different companies.

Step 3: Compare the new rates to your existing rates to see if cheaper Taurus coverage is available. If you find better rates and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.

Step 4: Give notification to your current company of your intention to cancel the current policy. Submit the application along with any required down payment for your new coverage. Once the paperwork is finalized, place the new certificate verifying coverage above your visor, in the console, or in the glove compartment.

The key thing to remember is to try to compare identical limits and deductibles on every price quote and and to get price quotes from every insurance company. Doing this helps ensure a level playing field and a better comparison of the market.

Cheapest auto insurance in Chula Vista, CA

The providers in the list below are our best choices to provide price quotes in California. To buy the cheapest car insurance in CA, we suggest you visit as many as you can to get a more complete price comparison.

Coverage statistics and figures

The rate information shown next covers detailed analysis of policy rates for Ford Taurus models. Having a better understanding of how rate quotes are established is important for making decisions on which coverage to buy.

Ford Taurus Insurance Rates in Chula Vista, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Taurus SE $430 $686 $442 $26 $132 $1,716 $143
Taurus SEL $478 $810 $442 $26 $132 $1,888 $157
Taurus SEL AWD $478 $810 $442 $26 $132 $1,888 $157
Taurus Limited $478 $810 $442 $26 $132 $1,888 $157
Taurus Limited AWD $478 $932 $442 $26 $132 $2,010 $168
Taurus SHO AWD $528 $932 $442 $26 $132 $2,060 $172
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Rate quotes do not factor in vehicle location which can affect coverage rates noticeably.

Raise deductibles and save

One frequently asked question is at what level do you set your deductibles. The following tables can help you understand the rate fluctuation between low and high policy deductibles. The first table uses a $250 physical damage coverage deductible and the second rate table uses a $1,000 deductible.

Ford Taurus insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Taurus SE $386 $576 $442 $26 $132 $1,587 $132
Taurus SEL $430 $678 $442 $26 $132 $1,733 $144
Taurus SEL AWD $430 $678 $442 $26 $132 $1,733 $144
Taurus Limited $430 $678 $442 $26 $132 $1,733 $144
Taurus Limited AWD $430 $780 $442 $26 $132 $1,835 $153
Taurus SHO AWD $474 $780 $442 $26 $132 $1,879 $157
Get Your Own Custom Quote Go

Ford Taurus insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Taurus SE $238 $362 $442 $26 $132 $1,200 $100
Taurus SEL $266 $426 $442 $26 $132 $1,292 $108
Taurus SEL AWD $266 $426 $442 $26 $132 $1,292 $108
Taurus Limited $266 $426 $442 $26 $132 $1,292 $108
Taurus Limited AWD $266 $490 $442 $26 $132 $1,356 $113
Taurus SHO AWD $292 $490 $442 $26 $132 $1,382 $115
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Table data does not factor in your specific Chula Vista location which can impact premium rates substantially.

We can estimate from the data above that using a $250 deductible could cost the average driver approximately $37 more each month or $444 each year than requesting the higher $1,000 deductible. Because you would be required to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average more than 20 months between claim filings, you would probably come out ahead if you choose a higher deductible.

Gender-based auto insurance rates

The example below visualizes the comparison of Ford Taurus insurance premiums for male and female drivers. The premium estimates are based on no accidents, no driving violations, full physical damage coverage, $500 deductibles, marital status is single, and no discounts are taken into consideration.

Get cheaper Ford Taurus insurance in Chula Vista with discounts

Car insurance is not an enjoyable expense, but companies offer discounts that many consumers don’t even know exist. A few discounts will be applied when you quote, but a few need to be asked about before being credited.Save money with discounts

Discounts save money, but please remember that most of the big mark downs will not be given to your bottom line cost. Most only reduce specific coverage prices like medical payments or collision. Even though it may seem like you could get a free car insurance policy, you won’t be that lucky.

The diagram below compares Ford Taurus car insurance rates with and without discounts applied to the policy premium. The price estimates are based on a female driver, no violations or accidents, California state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, multi-policy, claim-free, safe-driver, and multi-car discounts applied.

A few of the larger companies and their possible discounts are detailed below.

When getting a coverage quote, ask each company or agent which discounts they offer. Some discounts may not be offered in Chula Vista. For a list of companies that offer some of these discounts in Chula Vista, click here to view.

Insurance Premium Influencing Factors

One of the most helpful ways to save on insurance is to to have a grasp of the rating factors that play a part in calculating your insurance rates. If you have some idea of what controls the rates you pay, this helps enable you to make changes that will entitle you to much lower annual insurance costs. Many factors are part of the calculation when quoting car insurance. Most are fairly basic like your driving record, but some are more transparent like where you live and annual miles driven.

Careless drivers pay higher rates – Having a single ticket could increase your next policy renewal substantially. Good drivers get better rates than people who have multiple driving citations. Drivers with dangerous violations such as reckless driving or DUI may need to file a proof of financial responsibility form (SR-22) with their state’s department of motor vehicles in order to keep their license.

The illustration below demonstrates how citations and at-fault fender-benders can influence Ford Taurus car insurance rates for different age groups of insureds. The rates are based on a single male driver, comp and collision included, $250 deductibles, and no discounts are taken into consideration.

Costs go up with performance – The type of car or truck you are insuring makes a big difference in your rates. The best insurance prices are usually found on economy passenger vehicles, but the cost you end up paying is determined by many additional factors.

The data below assumes a married male driver age 50, full coverage with $100 deductibles, and no discounts or violations. The data compares Ford Taurus insurance premiums compared to other models of vehicles that have different performances.

What’s your car’s safety rating? – Cars with five star safety ratings can get you lower premiums. Safer cars reduce injuries and fewer injuries means less money paid by your insurance company and lower rates for you. If the Ford Taurus has at least four stars on it may be receiving lower rates.

Excellent credit equals lower rates – Having a bad credit score will be a significant factor in your rate calculation. People that have excellent credit scores tend to be better drivers and file fewer claims than drivers with lower credit scores. Therefore, if your credit rating is low, you could potentially save money when insuring your Ford Taurus if you clean up your credit.

Decrease prices by maintaining coverage – Not maintaining insurance is illegal and companies may charge more for letting your coverage lapse. In addition to paying higher premiums, failure to provide proof of insurance could result in a steep fine or even jail time. You may have to submit proof of financial responsibility or a SR-22 with the California motor vehicle department.

Save money by eliminating extra coverages – Insurance companies have many extra bells and whistles that can waste your money when buying insurance. Add-on coverages like rental car reimbursement, accidental death, and term life insurance could be just wasting money. These may sound like a good investment when discussing your needs, but your needs may have changed so eliminate them to save money.

Loss probability for a Ford Taurus – Car insurance companies study historical loss data to help determine the price you pay. Models that are shown to have higher claim amounts or frequency will cost more for coverage. The table below shows the collected loss data for Ford Taurus vehicles.

For each type of coverage, the statistical loss for all vehicles, regardless of make, model or trim level, is considered to be 100. Numbers below 100 indicate a favorable loss history, while numbers shown that are more than 100 point to more claims or tendency to have larger claims.

Ford Taurus Insurance Claim Statistics
Specific Ford 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

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

Auto insurance quotes from neighborhood Chula Vista auto insurance agents

A small number of people would prefer to get professional advice from a licensed agent and that is just fine! One of the benefits of getting online price quotes is that you can find lower prices and also buy local.

After filling out this quick form, the coverage information is emailed to companies in Chula Vista that give free quotes to get your business. You never need to search for any insurance agencies because quoted prices will be sent to you instantly. You’ll get the best rates and an insurance agent to talk to. If you wish to compare prices from a specific insurance company, feel free to visit that company’s website and fill out the quote form the provide.

Choosing an insurance company needs to be determined by more than just the bottom line cost. The questions below may impact your decision as well.

Chula Vista car insurance agents are either independent or exclusive

If you’re trying to find a local agent, you must know there are a couple different types of agents and how they can service your needs differently. Auto insurance agents can either be independent agents or exclusive agents depending on their employer.

Exclusive Agencies

Exclusive insurance agents can only provide pricing for a single company like Farmers Insurance and State Farm. These agents are not able to shop your coverage around so it’s a take it or leave it situation. Exclusive insurance agents are highly trained on their company’s products which helps offset the inability to provide other markets. Consumers frequently use the same exclusive agent mainly due to loyalty to the company rather than low rates.

Below are exclusive agents in Chula Vista that are able to give rate quotes.

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Independent Agencies or Brokers

Agents that elect to be independent can quote rates with many companies and that is an advantage because they can write policies through many different auto insurance companies and help determine which has the cheapest rates. If your agent finds better pricing, an independent agent can move your coverage and you don’t have to switch agencies.

When comparing rates, it’s a good idea to include rate quotes from several independent insurance agents for the best price selection. A lot of them also have access to small regional insurance companies which may have better rates.

The following are Chula Vista independent agents willing to provide rate quotes.

More insurance agents

Do the work, save more money

People who switch companies do it for many reasons like questionable increases in premium, unfair underwriting practices, denial of a claim and even policy non-renewal. It doesn’t matter why you want to switch choosing a new insurance company is pretty easy and you might even save some money in the process.

When getting Chula Vista car insurance quotes online, never reduce needed coverages to save money. There are many occasions where someone sacrificed physical damage coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The goal is to find the BEST coverage for the lowest price, but don’t skip important coverages to save money.

The cheapest Ford Taurus insurance in Chula Vista can be bought from both online companies as well as from insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance providers don’t offer price quotes online and most of the time these small insurance companies only sell coverage through local independent agents.

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