Ford Taurus Insurance Quotes in Virginia Beach

Think you have an overpriced auto insurance policy? It’s a common feeling and many consumers are feeling buyer’s remorse and feel like there’s no way out.

Insurance rates Ford Taurus in Virginia BeachIt’s a fact that car insurance companies don’t want you to look at other companies. Drivers who get comparison quotes at least once a year will, in all likelihood, buy a new policy because there is a significant possibility of finding a more affordable policy. A recent auto insurance study discovered that people who routinely compared quotes saved an average of $3,400 over four years compared to those who don’t regularly compare prices.

If finding the best price on Ford Taurus insurance in Virginia Beach is your goal, then having a good understanding the best ways to shop for coverages can make it easier for you to save money.

Many insurance companies vie to insure your vehicles, so it can be very hard to choose a insurer to get the lowest rate possible on Ford Taurus insurance in Virginia Beach.

If you have coverage now, you should be able to find better prices using this information. Finding the cheapest auto insurance coverage in Virginia Beach can be made easier if you know where to look. But Virginia car owners need to have an understanding of the methods companies use to determine what you pay and take advantage of how the system works.

The cheapest Virginia Beach Ford Taurus insurance rate quotes

It’s important to know that obtaining a wide range of quotes increases the chance that you will find lower pricing.

The companies shown below can provide price quotes in Virginia. To find the cheapest car insurance in Virginia Beach, we suggest you compare several of them in order to find the lowest rates.

Three reasons to insure your Ford vehicle

Despite the potentially high cost of Ford Taurus insurance, paying for car insurance serves several important purposes.

The benefits of having car insurance outweigh the cost, especially with large liability claims. In a recent study of 1,000 drivers, the average customer is overpaying more than $869 every year so it’s recommended you shop around once a year at a minimum to help ensure money is not being wasted.

Ford Taurus detailed coverage information

The premium information below highlights a range of coverage prices for Ford Taurus models. Being more informed about how policy rates are calculated is important for you to make smart choices when buying a car insurance policy.

Ford Taurus Insurance Rates in Virginia Beach, VA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Taurus SE $154 $260 $348 $20 $104 $886 $74
Taurus SEL $172 $306 $348 $20 $104 $950 $79
Taurus SEL AWD $172 $306 $348 $20 $104 $950 $79
Taurus Limited $172 $306 $348 $20 $104 $950 $79
Taurus Limited AWD $172 $352 $348 $20 $104 $996 $83
Taurus SHO AWD $190 $352 $348 $20 $104 $1,014 $85
Get Your Own Custom Quote Go

Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Virginia minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Table data does not factor in specific location which can influence premiums noticeably.

The diagram below demonstrates how deductibles and can impact Ford Taurus annual premium costs for each different age group. The price estimates are based on a married female driver, comprehensive and collision coverage, and no discounts are applied to the premium.

Ford Taurus insurance premiums by gender

The information below compares Ford Taurus yearly insurance costs for male and female drivers. Data assumes no claims or driving violations, comprehensive and collision coverage, $250 deductibles, single marital status, and no discounts are taken into consideration.

Full coverage or liability only

The illustration below compares Ford Taurus car insurance rates with and without full coverage. The rate quotes are based on no violations or accidents, $500 deductibles, drivers are single, and no discounts are applied to the premium.

When to stop buying full coverage

There is no clear-cut rule of when to eliminate full coverage on your policy, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is more than around 10% of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.

For example, let’s assume your Ford Taurus settlement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $3,000 after paying your policy deductible. If it’s costing you more than $300 a year for comprehensive and collision coverage, then it could be time to drop full coverage.

There are some conditions where removing full coverage is not financially feasible. If you still have a lienholder on your title, you have to keep full coverage to satisfy the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should not eliminate full coverage.

Lower your auto insurance rates with discounts

Car insurance can cost a lot, but you may qualify for discounts to reduce the price significantly. A few discounts will automatically apply when you get a quote, but some need to be asked about before you will receive the discount. If you do not double check each discount you deserve, you may be paying too high a price.Auto insurance discounts

It’s important to note that most of the big mark downs will not be given to the entire policy premium. Most only reduce the cost of specific coverages such as collision or personal injury protection. Even though it may seem like having all the discounts means you get insurance for free, nobody gets a free ride.

The chart below shows the difference between Ford Taurus annual premium costs with and without discounts being applied to the rates. The data assumes a female driver, a clean driving record, no claims, Virginia state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, multi-policy, marriage, multi-car, and homeowner discounts applied.

Companies and a partial list of their discounts are included below.

When getting free Virginia Beach auto insurance quotes, it’s a good idea to each company or agent how many discounts you can get. Savings may not apply to policies in Virginia Beach. If you would like to choose from a list of companies who offer discounts in Virginia, click here to view.

Compare rate quotes but work with a local neighborhood Virginia Beach car insurance agent

A small number of people prefer to talk to an insurance agent and doing that can be a smart decision An additional benefit of getting free rate quotes online is you may find cheaper prices and still choose a local agent.

Upon completion of this simple form, your information is sent to local insurance agents in Virginia Beach who will give competitive quotes for your insurance coverage. There is no reason to contact an agency because quoted prices will be sent to you. You can find better rates without requiring a lot of work. If you need to compare rates for a specific company, just navigate to their website and complete a quote there.

Picking the best provider shouldn’t rely on just the bottom line cost. These are some questions you should get answers to.

Choose an insurance agent wisely

If you prefer to buy insurance from a local agent, it’s helpful to know the different agency structures and how they are distinctly different. Virginia Beach agents are categorized either independent agents or exclusive agents depending on their employer.

Exclusive Agents

Exclusive agencies work for only one company like AAA, Allstate, and State Farm. These agents are not able to provide other company’s prices so if the price isn’t competitive there isn’t much they can do. These agents receive a lot of sales training on their products and sales techniques and that enables them to sell even at higher rates.

Shown below is a list of exclusive agencies in Virginia Beach who may provide you with price quote information.

4382 Holland Plaza Shopping Ctr, # CeVirginia Beach, VA 23452(757) 431-0217View Map

5265 Providence Rd #200Virginia Beach, VA 23464(757) 424-4656View Map

6070 Indian River Rd #104Virginia Beach, VA 23464(757) 420-2575View Map

View more agents

Independent Agencies or Brokers

Independent insurance agents often have affiliation with several companies so they can insure your vehicles through lots of different companies and find you the best rates. If prices rise, they can switch companies in-house and you don’t have to do anything.

If you are comparing rate quotes, we highly recommend that you include several independent agencies to maximize your price options.

Shown below is a list of independent agents in Virginia Beach who can help you get price quote information.

1127 Crystal Lake DrVirginia Beach, VA 23451(757) 491-8953View Map

5268 Fairfield Shopping CentreVirginia Beach, VA 23464(757) 366-0366View Map

244 Mustang Trail #1Virginia Beach, VA 23452(757) 340-8310View Map

View more agents

Cheaper auto insurance rates are out there

Cheaper auto insurance in Virginia Beach can be bought on the web as well as from insurance agents, so you need to shop Virginia Beach auto insurance with both in order to have the best chance of saving money. Some insurance providers may not provide the ability to get a quote online and many times these small insurance companies sell through local independent agencies.

When buying insurance coverage, you should never buy lower coverage limits just to save a few bucks. There are many occasions where an insured cut liability coverage limits only to regret at claim time that their decision to reduce coverage ended up costing them more. Your goal is to purchase plenty of coverage at the best cost and still be able to protect your assets.

We just presented a lot of information how to compare Ford Taurus insurance prices in Virginia Beach. The most important thing to understand is the more providers you compare, the higher your chance of finding affordable Virginia Beach auto insurance quotes. You may even discover the lowest priced auto insurance comes from a lesser-known regional company. They can often provide lower rates in certain areas than their larger competitors like Allstate or State Farm.

Steps to saving on Ford Taurus insurance in Virginia Beach

The preferred way to get budget Ford Taurus insurance is to start comparing prices yearly from insurance carriers who provide car insurance in Virginia Beach.

An important note is to try to use the same coverage limits and deductibles on every price quote and and to look at as many car insurance companies as possible. This helps ensure an accurate price comparison and the best price quote selection.

Even more information can be found at these sites: