Insurance quote for Ford Taurus in Colorado SpringsWant to learn the secrets to finding low-cost insurance rates in Colorado Springs, CO? Colorado Springs buyers have lots of choices when searching for affordable Ford Taurus insurance. You can either spend your time contacting agents getting price quotes or save time using the internet to compare rates. There are more efficient ways to shop for insurance so we're going to tell you the quickest way to get price quotes on a Ford and locate the lowest possible price from both online companies and Colorado Springs agents.

Choosing the most cost-effective auto insurance policy in Colorado Springs is quite easy. If you have auto insurance now, you stand a good chance to be able to lower your rates using these techniques. Smart buyers just have to use the tricks to get comparison quotes from many companies at once.

Insurance Rate Influencing Factors

Lots of factors are used in the calculation when you get a price on insurance. Some factors are common sense like a motor vehicle report, but others are not quite as obvious like your continuous coverage or your vehicle rating.

The list below includes some of the major factors used by insurance companies to determine rates.

The quickest method to compare insurance rates in your area is to know the trick most of the larger companies participate in a system to give free rates quotes. All consumers are required to do is provide details including daily mileage, what you do for a living, types of safety features, and whether you are single or married. Your details is then sent to multiple insurance providers and you will receive price estimates almost instantly.

To check Ford Taurus insurance prices now, click here and enter your coverage details.

The companies shown below can provide price quotes in Colorado. If more than one company is shown, we suggest you visit as many as you can in order to find the cheapest rates.

Ford Taurus Insurance Rates in Colorado Springs, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Taurus SE $294 $562 $396 $24 $118 $1,394 $116
Taurus SEL $332 $528 $358 $22 $108 $1,348 $112
Taurus SEL AWD $214 $360 $330 $20 $98 $1,022 $85
Taurus Limited $204 $332 $358 $22 $108 $1,024 $85
Taurus Limited AWD $270 $490 $358 $22 $108 $1,248 $104
Taurus SHO AWD $200 $402 $396 $24 $118 $1,140 $95
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Premium data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Estimates do not factor in your specific Colorado Springs location which can revise rates noticeably.

Policy deductibles

When buying auto insurance, a common question is which deductibles should you choose. The data tables below can help illustrate the rate difference of buying low and high insurance deductibles. The first rate quote example uses a $250 comprehensive and collision deductible and the second set of rates uses a $500 deductible.

Ford Taurus insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Taurus SE $306 $458 $352 $20 $106 $1,267 $106
Taurus SEL $342 $538 $352 $20 $106 $1,383 $115
Taurus SEL AWD $342 $538 $352 $20 $106 $1,383 $115
Taurus Limited $342 $538 $352 $20 $106 $1,383 $115
Taurus Limited AWD $342 $620 $352 $20 $106 $1,465 $122
Taurus SHO AWD $376 $620 $352 $20 $106 $1,499 $125
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Ford Taurus insurance premium estimates 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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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Rate information does not factor in Colorado Springs location which can impact rates greatly.

Based on the data above, we can derive that using a $250 deductible costs approximately $16 more each month or $192 for a full year than requesting the higher $500 deductible. Since you would have to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you go more than 16 months between claim filings, you would save money if you decide on a higher deductible.

How to determine if a higher deductible is a good idea

Average monthly premium for $250 deductibles: $116
Average monthly premium for $500 deductibles (subtract): - $100
Monthly savings from raising deductible: $16
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $16
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 16 months

One thing to note is that increasing deductibles to save money means you will have to pay more of your own money when you have a claim. You will want to have some extra savings in the event you need to pay the deductible to have repairs made.

Don't be fooled by advertising claims

Consumers can't ignore all the ads that promise big savings from the likes of Progressive, GEICO, Allstate and State Farm. All the ads advertise the message about how much you will save just by moving to them.

How is it possible that every company can claim to save you money? It's all in how they say it.

Insurance companies quote their cheapest rates for the type of driver that will be a good risk. A good example of this type of risk profile might be described as over the age of 50, has no tickets, and has a short commute. Any person who matches those parameters will probably get cheap premium rates and will also save when switching.

Potential insureds who don't meet those standards may be forced to pay more expensive rates and ends up with the customer not buying. The wording the ads use say "drivers who switch" but not "all drivers who get quotes" will save that much if they switch. This is how companies can truthfully make it sound like they have such great prices. This illustrates why drivers must do a price quote comparison at every renewal. Because you cannot predict the company that will have the best premium rates for your profile.

Car insurance does more than just protect your car

Despite the potentially high cost of Ford Taurus insurance, insurance is required in Colorado but also provides important benefits.

The benefits of having insurance more than cancel out the cost, particularly for liability claims. Despite what companies tell you, the average driver is overpaying over $865 each year so it's recommended you shop around each time the policy renews to ensure rates are inline.

Cheaper rates with these discounts on Ford Taurus insurance in Colorado Springs

Companies that sell car insurance do not list all possible discounts very well, so we break down some of the more common in addition to some of the lesser obvious discounts that you can inquire about if you buy Colorado Springs car insurance online. If you do not double check each discount you qualify for, you could be paying more than you need to.Save money with discounts

A little note about advertised discounts, many deductions do not apply to your bottom line cost. Most cut the price of certain insurance coverages like liability and collision coverage. So when it seems like you could get a free insurance policy, companies wouldn't make money that way.

A list of companies and a summarized list of policyholder discounts can be found below.

If you want the cheapest Ford Taurus rate quotes, ask every prospective company how many discounts you can get. Some of the earlier mentioned discounts might not be available to policyholders in every state. To see insurance companies who offer discounts in Colorado Springs, click here.

Local agents and auto insurance

Some people would rather sit down with an agent and often times that is recommended Professional insurance agents can answer important questions and give you someone to call. A nice benefit of getting online price quotes is you may find the best rates but still work with a licensed agent.

By using this simple form, your insurance coverage information gets sent to agents in your area that can give you free Colorado Springs car insurance quotes to get your business. You never need to contact any insurance agencies since price quotes are sent to you instantly. If you wish to get a price quote from one company in particular, you would need to visit that company's website and complete a quote there.

Deciding on an provider shouldn't rely on just a cheap price. These are some questions your agent should answer.

Below is a list of insurance companies in Colorado Springs willing to provide rate quotes for Ford Taurus insurance in Colorado Springs.

More insurance agents

Shop smart and save

In this article, we presented a lot of ways to compare Ford Taurus insurance rates in Colorado Springs. The key thing to remember is the more quotes you get, the higher the chance of saving money. You may even be surprised to find that the lowest rates are with a company that doesn't do a lot of advertising.

Insureds switch companies for many reasons like not issuing a premium refund, denial of a claim, unfair underwriting practices or delays in paying claims. Regardless of your reason, switching auto insurance companies can be easier than you think.

When trying to cut insurance costs, don't be tempted to skimp on coverage in order to save money. There are many occasions where someone sacrificed liability limits or collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy enough coverage at the best price.

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