Insurance quote for Ford Taurus in Fort CollinsDo you want an efficient way to compare the cheapest Ford Taurus insurance in Fort Collins? Locating cheap Fort Collins Ford Taurus insurance quotes can be somewhat intimidating for drivers who are new to comparing rates and buying insurance on the internet. With a ridiculous number of companies, how are drivers able to efficiently compare every company to locate the cheapest available price?

A recent NerdWallet.com study revealed that the vast majority of consumers kept their coverage with the same insurance company for more than four years, and almost half have never even compared rates from other companies. Consumers in Colorado could pocket nearly 35% a year just by shopping around, but most just don't grasp the actual amount they would save if they just switched companies.

Consumers need to price shop coverage before your policy renews because prices fluctuate regularly. Even if you think you had the best price on Ford Taurus insurance in Fort Collins a couple years back other companies may now be cheaper. There are a lot of ways to save on Taurus insurance out there, but by reading this article, you're going to learn some guaranteed methods to quit paying high insurance rates in Fort Collins.

Finding the cheapest car insurance coverage in Fort Collins is really quite simple as long as you have a good starting point. Just about every person who carries car insurance will most likely get a lower-priced policy. But Colorado car owners can benefit from knowing the way companies charge you for coverage because rates fluctuate considerably.

Low-cost Ford insurance rates in Fort Collins

The car insurance companies shown below can provide free rate quotes in Fort Collins, CO. If multiple providers are shown, we recommend you visit as many as you can to get a more complete price comparison.

Ford Taurus Insurance Estimates in Fort Collins, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Taurus SE $146 $238 $330 $20 $98 $832 $69
Taurus SEL $364 $726 $456 $28 $136 $1,710 $143
Taurus SEL AWD $164 $288 $338 $20 $100 $910 $76
Taurus Limited $390 $538 $460 $28 $138 $1,554 $130
Taurus Limited AWD $238 $490 $368 $22 $110 $1,228 $102
Taurus SHO AWD $326 $630 $338 $20 $100 $1,414 $118
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Table data represents married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Estimates do not factor in garaging location in Fort Collins which can alter premiums significantly.

Higher deductibles lower rates

The example below illustrates how your deductible choice and can impact Ford Taurus insurance costs for different categories of driver ages. The prices are based on a married male driver, comp and collision included, and no discounts are applied to the premium.

Price comparison of only insuring for liability

The example below shows the difference between Ford Taurus insurance costs with liability coverage only compared to full coverage. The premiums assume no violations or accidents, $250 deductibles, single male driver, and no discounts are applied to the premium.

When to stop buying full coverage

There is no definitive formula that works best for making the decision to drop comprehensive and collision coverage on your policy, but there is a general school of thought. If the annual cost of having full coverage is more than 10% of replacement cost minus your deductible, then you might want to think about dropping full coverage.

For example, let's say your Ford Taurus claim settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $5,000 after you pay the deductible. If it's costing in excess of $500 annually to have full coverage, then it's probably a good time to buy liability coverage only.

There are some circumstances where removing full coverage is not in your best interest. If you still owe a portion of the original loan, you must maintain physical damage coverage to satisfy the loan requirements. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should not eliminate full coverage.

Analysis of deductible levels

One of the more difficult decisions when buying auto insurance is what deductibles to buy. The following tables can help you visualize the differences in premium rates between low and high comp and collision deductibles. The first rate quote example uses a $100 deductible for physical damage and the second price table uses a $500 deductible.

Ford Taurus insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Taurus SE $342 $546 $352 $20 $106 $1,391 $116
Taurus SEL $380 $644 $352 $20 $106 $1,527 $127
Taurus SEL AWD $380 $644 $352 $20 $106 $1,527 $127
Taurus Limited $380 $644 $352 $20 $106 $1,527 $127
Taurus Limited AWD $380 $740 $352 $20 $106 $1,623 $135
Taurus SHO AWD $420 $740 $352 $20 $106 $1,663 $139
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Ford Taurus insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Taurus SE $250 $368 $352 $20 $106 $1,096 $91
Taurus SEL $278 $434 $352 $20 $106 $1,190 $99
Taurus SEL AWD $278 $434 $352 $20 $106 $1,190 $99
Taurus Limited $278 $434 $352 $20 $106 $1,190 $99
Taurus Limited AWD $278 $500 $352 $20 $106 $1,256 $105
Taurus SHO AWD $306 $500 $352 $20 $106 $1,284 $107
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Estimates do not factor in vehicle garaging location which can impact prices considerably.

Using the data above, we can ascertain that using a $100 deductible will cost in the ballpark of $29 more each month or $348 each year than choosing the higher $500 deductible. Due to the fact that you would have to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you normally average more than 14 months between claim filings, you would come out ahead by going with a higher deductible. Here is a better example of how you can make your own decision.

Average monthly premium for $100 deductibles: $129
Average monthly premium for $500 deductibles (subtract): - $100
Monthly savings from raising deductible: $29
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $29
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 14 months

One big caveat is that raising deductibles to get cheaper rates results in more money out-of-pocket when you have a physical damage claim. That will force you to have enough money put aside in the event you need to pay the higher deductible in order to repair your vehicle.

Get cheaper Ford Taurus insurance rates in Fort Collins

Insurance can be pricey, but discounts can save money and there are some available to reduce the price significantly. Certain discounts will be applied at quote time, but occasionally some discounts must be manually applied in order for you to get them. If you are not receiving all the discounts you deserve, you're paying more than you need to.

While discounts sound great, it's important to understand that some credits don't apply to the entire cost. The majority will only reduce the cost of specific coverages such as comp or med pay. Even though it appears it's possible to get free car insurance, companies don't profit that way.

Insurance companies that may offer quotes with many of the previously listed discounts possibly include:

If you need affordable Fort Collins car insurance quotes, ask every insurance company which discounts they offer. All car insurance discounts might not apply in Fort Collins.

Insurance agents can help

Certain consumers would prefer to get professional advice from a licensed agent and that can be a great decision The biggest benefit of comparing insurance prices online is that you can find cheap rate quotes and still choose a local agent.

Fort Collins insurance agentsTo help locate an agent, after submitting this simple form, your coverage information is immediately sent to participating agents in Fort Collins who will gladly provide quotes and help you find cheaper coverage. It's much easier because you don't need to do any legwork due to the fact that quote results will go straight to your inbox. You can find better rates and work with a local agent. If you want to get a rate quote from a particular provider, you just need to search and find their rate quote page and give them your coverage information.

Finding the right insurance company should include more criteria than just the quoted price. Here are some questions you might want to ask.

If you want to buy car insurance from a good insurance agency, it helps to know the two different agency structures and how they operate. Car insurance policy providers can either be exclusive or independent (non-exclusive).

Exclusive Car Insurance Agents

These type of agents are contracted to one company such as AAA, Allstate, and State Farm. They generally cannot compare rates from other companies so you might not find the best rates. Exclusive insurance agents receive a lot of sales training on their company's products and that enables them to sell even at higher rates. Consumers often use the same exclusive agent primarily because of the prominence of the brand and strong financial ratings.

Below is a list of exclusive insurance agents in Fort Collins that can give you price quotes.

More Fort Collins agents

Independent Agents (or Brokers)

Agents that choose to be independent do not sell for just one brand so they can insure your vehicles with many different companies and potentially find a lower price. If your premiums go up, your agent can just switch to a different company and you can keep the same agent. If you are trying to find cheaper rates, we recommend you contact at a minimum one independent agency to have the most options to choose from. They often place coverage with smaller companies which can be an advantage.

Shown below are independent insurance agencies in Fort Collins that can give you price quote information.

More Fort Collins agents

Big brands don't always mean big savings

Companies like Allstate and Progressive consistently run ads in print and on television. They all advertise the message about saving some big amount if you get a free Fort Collins car insurance quote and switch your auto insurance coverage to their company. How is it plausible that every one can give you a better price on Ford Taurus insurance in Fort Collins? It's all in the wording.

Different companies quote their best rates for the type of customer that earns them the most money. One example of a desirable insured should be a mature driver, has a clear driving record, and drives a vehicle with a low ISO rating. Someone who fits that profile will get very good Fort Collins car insurance rates and will most likely save a lot of money.

Insureds who may not quite match the ideal profile will be quoted a higher rate and business going elsewhere. The trick is to say "drivers that switch" not "everyone who quotes" can get the lowest rates when switching. That's the way companies can make the claims of big savings. Because of this risk profiling, you really should get a wide range of price quotes. Because you never know which company will fit you best based on your risk profile.

One last thing to lower rates

The cheapest Ford Taurus insurance in Fort Collins is available both online and also from your neighborhood Fort Collins agents, and you should be comparing both in order to have the best price selection to choose from. Some companies do not offer internet price quotes and usually these small insurance companies sell through local independent agents.

When buying insurance coverage, it's not a good idea to skimp on critical coverages to save a buck or two. There are a lot of situations where consumers will sacrifice collision coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to buy enough coverage at the best cost, but don't skip important coverages to save money.

You just learned a lot of tips how to find cheap Ford Taurus insurance in Fort Collins. The key concept to understand is the more quotes you get, the better likelihood of getting the cheapest Ford Taurus rate quotes. You may even find the best car insurance rates are with a small local company.

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