Cheap Rates for Ford Taurus Insurance in Seattle

Cutting costs on Ford Taurus insurance in Seattle can seem to be slightly frustrating for drivers who have little experience online price comparisons. With such a large number of agents and insurance companies available, it can easily turn into a difficult situation to find the perfect company for you.

A recent study showed that almost 70% of insureds in Washington have remained with the same car insurance company for at least four years, and just under half have never quoted car insurance rates at all. U.S. insurance shoppers could save roughly $859 each year, but they don’t want to spend time to find cheap insurance by shopping around.

If you are insured now, you will definitely be able to get lower rates using these techniques. This article’s intent is to familiarize you with how car insurance companies work and some tips to save money. But Washington consumers need to have an understanding of how big insurance companies determine premium rates and use it to your advantage.

Companies offering cheap Ford Taurus prices in Seattle, WA

The providers in the list below offer comparison quotes in Washington. If several companies are displayed, we recommend you compare several of them in order to find the most competitive rates.

Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Table data does not factor in specific location which can impact premiums substantially.

An analysis of deductible level

One common question asked by Seattle drivers is the level to set your comp and collision deductibles. The tables below can help you visualize the rate difference between low and high policy deductibles. The first rate estimation uses a $100 deductible for comp and collision and the second rate table uses a $500 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Estimates do not factor in specific Seattle garaging location which can change auto insurance rates substantially.

We can estimate from the data above that using a $100 deductible would cost the average driver about $24 more each month or $288 every year than quoting the higher $500 deductible. Since you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you normally average more than 17 months between claims, you would save more money if you opt for a higher deductible.

Price comparison of only insuring for liability

The chart below shows the difference between Ford Taurus insurance premiums with liability coverage only compared to full coverage. Data assumes no violations or claims, $100 deductibles, married male driver, and no additional discounts are factored in.

Guidelines for eliminating full coverage

There is no exact formula of when to eliminate physical damage insurance, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is more than about 10% of the replacement cost minus the deductible, then it could be time to drop full coverage.

For example, let’s pretend your Ford Taurus replacement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $3,000 after paying the physical damage deductible. If you are paying more than $300 a year for your policy with full coverage, then you might want to consider buying only liability coverage.

There are a few situations where dropping full coverage is not a good idea. If you still owe money on your vehicle, you have to carry full coverage to protect the lienholder’s interest. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage.

Higher deductibles lower rates

The information below demonstrates how deductibles and can increase or decrease Ford Taurus insurance costs for different age groups. The premium estimates are based on a single male driver, comp and collision included, and no policy discounts are applied.

These nine discounts can lower your car insurance rates

Car insurance can cost a lot, but there could be significant discounts that may help make it more affordable. Larger premium reductions will be automatically applied when you complete an application, but lesser-known reductions have to be requested specifically in order for you to get them.

• Homeowners Savings – Simply owning a home may earn you a small savings because of the fact that having a home demonstrates responsibility.
• Renewal Discounts – A few car insurance companies give discounts for buying a policy early. It can save you around 10%.
• Save over 55 – Seniors may receive lower premium rates.
• Safety Restraint Discount – Forcing all vehicle occupants to buckle up could save 15% on the premium charged for medical payments and/or PIP.
• Discounts for Federal Employees – Having worked for a branch of the government could qualify for a slight premium decrease with some car insurance companies.
• Defensive Driving Course – Taking part in a class that teaches safe driver techniques could cut 5% off your bill if you qualify.
• Lower Rates for Military – Having an actively deployed family member may qualify for rate reductions.
• College Student Discount – College-age children who live away from home at college and won’t have access to an insured vehicle can be insured at a reduced rate.
• Passive Restraints – Factory options such as air bags can receive discounts of 25 to 30%.

Don’t be shocked that some of the credits will not apply to all coverage premiums. The majority will only reduce specific coverage prices like liability and collision coverage. Just because it seems like you can get free auto insurance, you aren’t that lucky. But all discounts will help reduce the premium cost.

Insurance companies that may offer policyholders these money-saving discounts are:

• Progressive
• AAA
• Farmers Insurance
• GEICO
• Esurance
• SAFECO
• State Farm

If you need lower rates, check with each company how you can save money. Some discounts listed above might not be offered in Seattle. To view car insurance companies with discount rates in Washington, click here to view.

Getting quotes from local Seattle auto insurance agents

A lot of people prefer to buy from a licensed agent and often times that is recommended An additional benefit of getting online price quotes is the fact that you can find better rates and still have a local agent.

Upon completion of this short form, your insurance data is immediately sent to local insurance agents who will give competitive quotes for your insurance coverage. You never need to drive around because quoted prices will be sent straight to your inbox. It’s the lowest rates and a licensed agent to talk to. If for some reason you want to get a comparison quote from a specific insurance company, feel free to navigate to their website and fill out their quote form.

Deciding on an company shouldn’t rely on just a cheap price. Any good agent in Seattle should know the answers to these questions.

• Do they offer claims assistance after hours?
• Is vehicle mileage a factor when determining depreciation for repairs?
• Do the agents have professional certifications like CPCU or CIC?
• Is there any savings for paying the full premium?
• What are the financial ratings for the companies they represent?
• Does the agency support the community they serve?
• Do they offer accident forgiveness?
• What insurance company do they write the most business with?

If you would like to find a reliable insurance agency, it helps to know the two types of agencies and how they are distinctly different. Car insurance agents can either be exclusive or independent agents depending on their company appointments.

Exclusive Agents

Agents that elect to be exclusive can usually just insure with one company and examples are AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agencies are unable to give you multiple price quotes so they are skilled at selling on more than just price. These agents receive a lot of sales training on sales techniques and that enables them to sell even at higher rates. Consumers sometimes buy insurance from these agents mainly due to the brand legacy rather than having low rates.

The following is a short list of exclusive insurance agencies in Seattle who may provide you with price quote information.

• Allstate Insurance: Carmelita Strong
  5959 Martin Luther King Jr Way S – Seattle, WA 98118 – (206) 725-8969 – View Map
• Jeffrey Taylor – State Farm Insurance Agent
  4850 Rainier Ave S – Seattle, WA 98118 – (206) 725-8008 – View Map
• Luan Vu – State Farm Insurance Agent
  6951 Martin Luther King Jr Way S #224 – Seattle, WA 98118 – (206) 243-3041 – View Map

View more Seattle agents

Independent Agencies or Brokers

Independent insurance agents do not have single company limitations and that enables them to quote your coverage through lots of different companies and find you cheaper rates. If you want to switch companies, your policy is moved internally and that require little work on your part. When comparing rate quotes, we highly recommend that you get quotes from a couple of independent agencies to maximize your price options. Most can insure with smaller companies who may have lower rates.

Shown below is a short list of independent agencies in Seattle that can give you rate quotes.

• Ati Agency Inc
  2150 N 107th St # 460 – Seattle, WA 98133 – (206) 522-9200 – View Map
• Sound Insurance Agency, Inc.
  9627 Aurora Ave N – Seattle, WA 98103 – (206) 527-0888 – View Map
• Secord Agency Insurance
  265 NE 45th St – Seattle, WA 98105 – (206) 783-4024 – View Map

View more Seattle agents

Do drivers who switch really save?

Respected companies like 21st Century, Allstate and State Farm consistently run ads on television and other media. All the companies make an identical promise about savings after switching your car insurance coverage to their company. How is it possible that every company can charge lower premium rates?

Many companies give the cheapest rates for the type of insured that will not have excessive claims. One example of this type of driver could possibly be a female over age 40, has no prior claims, and drives a car with an anti-theft system. Any new insured who matches that profile is entitled to the best price and as a result will probably save if they switch.

Potential customers who do not fit those standards will probably be forced to pay a higher rate which results in business not being written. The trick is to say “people who switch” but not “everyone who gets a quote” save that much money. This is how insurance companies can state the savings. Because of this risk profiling, you really need to do a price quote comparison at every renewal. It is just not possible to predict with any certainty which company will be your best fit.

It’s not one size fits all

Always keep in mind that when comparing the right insurance coverage for your personal vehicles, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance should reflect that
These are some specific questions may help highlight whether your personal situation will benefit from professional help.

• How much can I save by bundling my policies?
• Will filing a claim cost me more?
• What is the minimum liability in Washington?
• Do I have coverage when pulling a U-Haul trailer?
• How high should my uninsured/underinsured coverage be in Washington?
• Is upholstery damage covered by car insurance?
• Am I better off with higher deductibles on my Ford Taurus?

If you can’t answer these questions but you know they apply to you, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance companies in your area.

Learn about auto insurance coverages for a Ford Taurus

Knowing the specifics of your auto insurance policy helps when choosing the right coverages for your vehicles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverages found on most auto insurance policies.

Comprehensive insurance – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like hail damage, vandalism, damage from getting keyed, hitting a deer and falling objects. The most you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverage – This coverage covers damage to your Taurus caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as hitting a parking meter, rolling your car, damaging your car on a curb and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible on your Taurus in order to get cheaper collision rates.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP provide coverage for immediate expenses for dental work, surgery, X-ray expenses and hospital visits. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and also covers being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Ford Taurus.

Because many people have only the minimum liability required by law (which is 25/50/10), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Liability – This coverage protects you from damage that occurs to people or other property by causing an accident. This coverage protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/10 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $10,000.

Liability coverage pays for things such as legal defense fees, structural damage and medical expenses. How much coverage you buy is your choice, but you should buy as high a limit as you can afford. Washington state law requires minimum liability limits of 25/50/10 but you should consider buying more coverage.

More quotes mean more car insurance savings

There are still a few companies who don’t offer the ability to get quotes online and usually these small insurance companies prefer to sell through independent agencies. Discount Ford Taurus insurance is attainable both online in addition to local insurance agencies, and you should be comparing both in order to have the best price selection to choose from.

When buying insurance coverage, it’s not a good idea to buy lower coverage limits just to save a few bucks. In many instances, an insured dropped collision coverage and discovered at claim time that it was a big error on their part. Your strategy should be to get the best coverage possible for the lowest cost, but don’t skip important coverages to save money.

In this article, we covered some good ideas how you can compare Ford Taurus insurance auto insurance rates in Seattle. The key thing to remember is the more you quote Seattle car insurance, the higher your chance of finding the cheapest Ford Taurus rate quotes. Consumers may even find the lowest priced car insurance comes from a small local company. These companies may often insure only within specific states and give better rates than the large multi-state companies such as State Farm, GEICO and Nationwide.

More detailed car insurance information is available in these articles:

• Prom Night Tips for Teen Drivers (State Farm)
• What Car Insurance is Cheapest for a Toyota Tacoma in Seattle? (FAQ)
• Who Has Cheap Auto Insurance Quotes for a Ford Escape in Seattle? (FAQ)
• Who Has Cheap Car Insurance for a GMC Sierra in Seattle? (FAQ)
• Who Has Affordable Seattle Auto Insurance for a Ford F-150? (FAQ)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
• If I File a Claim will My Insurance Go Up? (Insurance Information Institute)
• Auto Theft Statistics (Insurance Information Institute)