Insurance quote for Ford Taurus in Fort WayneFinding affordable Fort Wayne Ford Taurus insurance quotes on the web is problematic for people that are not comfortable with quoting and comparing and buying auto insurance online. Since there are so many insurers available, how are people expected to have a chance to compare every company to locate cheaper auto insurance rates?

Unbelievable but true, almost 70% of drivers in Indiana have remained with the same auto insurance company for more than four years, and 38% of customers have never shopped around. With the average auto insurance premium being $1,847, American drivers can save as much as 47% each year by just comparing quotes, but they just don't understand the rate savings if they changed companies.

Companies offer many types of discounts on Ford Taurus insurance in Fort Wayne

The cost of insuring your cars can be expensive, but you may qualify for discounts to cut the cost considerably. Certain credits will be shown when you purchase, but once in a while a discount must be specifically requested before you get the savings. If you don't get every credit available, you're paying more than you need to.Cheaper auto insurance with discounts

As is typical with insurance, most of the big mark downs will not be given to the entire policy premium. A few only apply to specific coverage prices like liability, collision or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, you won't be that lucky.

To find companies offering auto insurance discounts in Fort Wayne, click this link.

When price shopping your coverage, more quotes helps improve the odds of finding the best price.

The car insurance companies shown below are our best choices to provide comparison quotes in Fort Wayne, IN. If multiple companies are listed, it's highly recommended you click on several of them to get the most affordable price.

Ford Taurus Insurance Costs in Fort Wayne, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Taurus SE $210 $376 $318 $18 $94 $1,016 $85
Taurus SEL $252 $348 $368 $22 $110 $1,100 $92
Taurus SEL AWD $246 $428 $380 $22 $114 $1,190 $99
Taurus Limited $168 $270 $280 $16 $84 $818 $68
Taurus Limited AWD $304 $592 $280 $16 $84 $1,276 $106
Taurus SHO AWD $258 $510 $318 $18 $94 $1,198 $100
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Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Indiana minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Price information does not factor in zip code location which can revise premiums greatly.

Comparison of full coverage and liability-only policies

The illustration below illustrates the difference between Ford Taurus insurance rates when comparing full coverage to liability only. The rates are based on no claims, a clean driving record, $100 deductibles, single female driver, and no discounts are applied.

When to stop buying comprehensive and collision coverage

There isn't a steadfast formula for phasing out comp and collision coverage, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is more than about 10% of replacement cost minus your deductible, then you might want to consider buying only liability coverage.

For example, let's assume your Ford Taurus settlement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $4,000 after you pay the deductible. If it's costing you more than $400 annually for your policy with full coverage, then you might want to consider buying only liability coverage.

There are some scenarios where eliminating full coverage is not recommended. If you still have a loan on your vehicle, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if you don't have enough money to buy a different vehicle if your current one is totaled, you should keep full coverage in place.

Deductible comparison

A question often asked by Fort Wayne drivers is which deductible level should you buy. The rates below may aid in understanding the costs and benefits when you select higher and lower deductibles. The first rate table uses a $250 comprehensive and collision deductible and the second price grid uses a $500 deductible.

Ford Taurus insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Taurus SE $244 $366 $280 $16 $84 $1,015 $85
Taurus SEL $272 $430 $280 $16 $84 $1,107 $92
Taurus SEL AWD $272 $430 $280 $16 $84 $1,107 $92
Taurus Limited $272 $430 $280 $16 $84 $1,107 $92
Taurus Limited AWD $272 $496 $280 $16 $84 $1,173 $98
Taurus SHO AWD $300 $496 $280 $16 $84 $1,201 $100
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Ford Taurus insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Taurus SE $200 $294 $280 $16 $84 $874 $73
Taurus SEL $222 $348 $280 $16 $84 $950 $79
Taurus SEL AWD $222 $348 $280 $16 $84 $950 $79
Taurus Limited $222 $348 $280 $16 $84 $950 $79
Taurus Limited AWD $222 $400 $280 $16 $84 $1,002 $84
Taurus SHO AWD $244 $400 $280 $16 $84 $1,024 $85
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Premium costs do not factor in garaging location in Fort Wayne which can influence coverage prices significantly.

Based on the data above, we can derive that using a $250 deductible costs roughly $13 more each month or $156 every year than buying the higher $500 deductible. Due to the fact that you would have to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you average at a minimum 19 months between claim filings, you would probably be better off by going with a higher deductible.

How to calculate deductible break even period

Average monthly premium for $250 deductibles: $93
Average monthly premium for $500 deductibles (subtract): - $80
Monthly savings from raising deductible: $13
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $13
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 19 months

One important note is that raising deductibles to get cheaper rates means you pay more out-of-pocket when you have to file a claim. You must have some available funds in order to pay more for the deductible.

Can't I compare prices from local Fort Wayne car insurance agents?

A lot of people would prefer to buy from a licensed agent and that is just fine! One of the great benefits of comparing insurance prices online is that you can obtain lower rates but also keep your business local. Putting coverage with small agencies is important particularly in Fort Wayne.

Insurance agency in Fort WayneTo help locate an agent, after submitting this short form, the quote information is emailed to agents in your area that provide free Fort Wayne auto insurance quotes for your car insurance coverage. You don't have to leave your house since price quotes are sent to you directly. You can find the lowest rates AND a local agent. If you need to compare prices from one company in particular, you can always find their quoting web page and submit a quote form there.

Different types of Fort Wayne auto insurance agents

When narrowing the list to find a local Fort Wayne insurance agency, it can be helpful to understand the different agency structures to choose from. Insurance agencies in Fort Wayne may be either independent or exclusive.

Independent Agents

Agents that elect to be independent are not required to write business for one company and that allows them to write policies with many different companies and find you the best rates. If your agent finds better pricing, the agent simply finds a different carrier without you having to go to a different agency. If you are comparing car insurance prices, it's a good idea to get several quotes from several independent insurance agents to maximize your price options. They also have the ability to place coverage with small regional insurance companies that many times have cheaper rates.

Featured below is a list of independent agents in Fort Wayne who may be able to give you competitive price quotes.

More Fort Wayne agents

Exclusive Agencies

Agents that choose to be exclusive generally can only insure with one company like Farmers Insurance, State Farm, or Allstate. They generally cannot give you multiple price quotes so they have to upsell other benefits. Exclusive agents are well trained on the products they sell which can be an advantage. Consumers frequently buy from exclusive agents primarily because of the prominent brand name rather than low rates.

Listed below are Fort Wayne exclusive agencies willing to provide price quote information.

More Fort Wayne agents

Deciding on an insurance agency should include more criteria than just a cheap quote. Here are some questions to ask:

Upon getting reasonable responses to these questions as well as affordable Ford Taurus insurance rates in Fort Wayne quotes, you may have just found an auto insurance agent that meets the requirements to provide car insurance coverage. It's important to know that once you purchase a policy you can cancel coverage whenever you want so don't assume that you're stuck with a policy for a certain time period.

What is YOUR best insurance company?

Low-cost Ford Taurus insurance in Fort Wayne can be sourced from both online companies and also from your neighborhood Fort Wayne agents, and you should compare rates from both to have the best rate selection. There are still a few companies who may not provide rates over the internet and usually these regional insurance providers only sell coverage through independent agencies.

You just read a lot of ways to compare Ford Taurus insurance car insurance rates in Fort Wayne. The key thing to remember is the more rate quotes you have, the higher your chance of finding inexpensive Fort Wayne auto insurance quotes. Consumers could even find that the lowest priced insurance comes from a small local company.

When searching for affordable Fort Wayne auto insurance quotes, you should never skimp on critical coverages to save a buck or two. There are many occasions where an insured dropped uninsured motorist or liability limits only to find out that the savings was not a smart move. Your focus should be to purchase a proper amount of coverage at the best possible price, but do not sacrifice coverage to save money.

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