How long have you put off shopping around for more competitive Ford Taurus insurance in Oklahoma City? If you’re new to shopping for Oklahoma City car insurance quotes online, you can easily be overwhelmed thanks to the huge assortment of insurers all claiming to save you money.
How to find the cheapest rates for Ford Taurus insurance in Oklahoma City
It takes a little time, but the best way to get affordable car insurance rates is to start comparing prices yearly from different companies in Oklahoma City. Price quotes can be compared by following these steps.
First, spend some time learning about what is in your policy and the factors you can control to prevent rate increases. Many factors that increase rates such as careless driving and a negative credit score can be remedied by making minor driving habit or lifestyle changes.
Second, quote rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only quote rates from a single company like Progressive or State Farm, while independent agencies can provide price quotes from multiple companies.
Third, compare the price quotes to the premium of your current policy and see if there is a cheaper rate in Oklahoma City. If you find better rates and make a switch, verify that coverage does not lapse between policies.
One tip to remember is that you’ll want to compare the same level of coverage on each quote request and and to analyze every insurance company. Doing this ensures a fair price comparison and a complete rate analysis.
Astonishing but true, most car insurance policyholders have been with the same company for a minimum of four years, and nearly the majority have never taken the time to shop around. Many drivers in Oklahoma could pocket about 35% a year by just comparing rate quotes, but they underestimate how much they could save if they bought a different policy.
It’s a good idea to check car insurance prices before your next renewal due to the fact that insurance prices are constantly changing. Even if you think you had the best quotes on Ford Taurus insurance in Oklahoma City a few years ago the chances are good that you can find a lower rate today. Block out anything you think you know about car insurance because it’s time to teach you the tricks you need to know to find lower rates on car insurance.
The method we recommend to get policy rate comparisons for Ford Taurus insurance in Oklahoma City is to understand most of the larger companies participate in a system to compare rate quotes. The only thing you need to do is give them rating details including the ages of drivers, whether you are married, whether your vehicle is owned or leased, and whether the vehicles are used for commuting. That rating data is instantly sent to multiple different insurance companies and they respond with quotes with very little delay.
To get price quotes for your car now, click here and enter your zip code.
The companies in the list below can provide price comparisons in Oklahoma. If more than one company is shown, it’s a good idea that you compare several of them to get the best price comparison.
Ford Taurus coverage statistics
The information displayed next outlines estimates of policy rates for Ford Taurus models. Having a good grasp of how car insurance prices are formulated can help drivers make smart choices when choosing a car insurance company.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Taurus SE | $362 | $472 | $588 | $34 | $176 | $1,632 | $136 |
| Taurus SEL | $404 | $554 | $588 | $34 | $176 | $1,756 | $146 |
| Taurus SEL AWD | $404 | $554 | $588 | $34 | $176 | $1,756 | $146 |
| Taurus Limited | $404 | $554 | $588 | $34 | $176 | $1,756 | $146 |
| Taurus Limited AWD | $404 | $638 | $588 | $34 | $176 | $1,840 | $153 |
| Taurus SHO AWD | $446 | $638 | $588 | $34 | $176 | $1,882 | $157 |
| Get Your Own Custom Quote Go | |||||||
Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Information does not factor in specific location information which can revise rates greatly.
Where to set your deductibles
When buying auto insurance, a common question is which deductibles should you choose. The data tables below show the cost difference of buying low and high policy deductibles. The first price estimate table uses a $250 physical damage coverage deductible and the second pricing table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Taurus SE | $392 | $584 | $448 | $26 | $134 | $1,609 | $134 |
| Taurus SEL | $436 | $688 | $448 | $26 | $134 | $1,757 | $146 |
| Taurus SEL AWD | $436 | $688 | $448 | $26 | $134 | $1,757 | $146 |
| Taurus Limited | $436 | $688 | $448 | $26 | $134 | $1,757 | $146 |
| Taurus Limited AWD | $436 | $792 | $448 | $26 | $134 | $1,861 | $155 |
| Taurus SHO AWD | $480 | $792 | $448 | $26 | $134 | $1,905 | $159 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Taurus SE | $318 | $472 | $448 | $26 | $134 | $1,398 | $117 |
| Taurus SEL | $354 | $554 | $448 | $26 | $134 | $1,516 | $126 |
| Taurus SEL AWD | $354 | $554 | $448 | $26 | $134 | $1,516 | $126 |
| Taurus Limited | $354 | $554 | $448 | $26 | $134 | $1,516 | $126 |
| Taurus Limited AWD | $354 | $638 | $448 | $26 | $134 | $1,600 | $133 |
| Taurus SHO AWD | $390 | $638 | $448 | $26 | $134 | $1,636 | $136 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Rate information does not factor in garaging location in Oklahoma City which can modify rates greatly.
Using the premium rates above, we can conclude that using a $250 deductible costs roughly $21 more each month or $252 annually averaged for all Taurus models than quoting the higher $500 deductible. Because you would pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you tend to have at least 12 months between claims, you would probably save some money if you elect the higher deductible. Below is an example of how we made this calculation.
| Average monthly premium for $250 deductibles: | $148 |
| Average monthly premium for $500 deductibles (subtract): | – $127 |
| Monthly savings from raising deductible: | $21 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $21 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 12 months |
An important sidenote is that higher deductibles results in a higher out-of-pocket expense when you have to file a claim. You will want to have enough extra savings in the event you need to pay more for the deductible.
The chart below shows how different deductible levels and can increase or decrease Ford Taurus insurance rates for each age group. The data is based on a single female driver, comprehensive and collision coverage, and no discounts are factored in.
Careless drivers pay higher rates
The chart below highlights how traffic violations and at-fault collisions increase Ford Taurus premium costs for different age groups of insureds. The prices are based on a married male driver, full coverage, $100 deductibles, and no discounts are applied.
Male drivers compared to female drivers
The information below illustrates the comparison of Ford Taurus insurance costs for male and female drivers. The rate quotes are based on no claims or driving citations, comp and collision included, $100 deductibles, marital status is single, and no policy discounts are applied.
Ford Taurus liability-only versus full coverage
The illustration below illustrates the difference between Ford Taurus auto insurance rates when comparing full coverage to state minimum liability only. The price estimates are based on no claims, a clean driving record, $100 deductibles, single status, and no additional discounts are factored in.
When to switch to liability coverage only
There is no exact rule for phasing out comp and collision coverage, but there is a broad guideline. If the yearly cost for physical damage coverage is about 10% or more of replacement cost minus your deductible, then you may need to consider dropping full coverage.
For example, let’s pretend your Ford Taurus claim settlement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $3,000 after paying your deductible. If it’s costing in excess of $300 annually for physical damage coverage, then you may want to consider only buying liability coverage.
There are some scenarios where dropping full coverage is not a good plan. If you haven’t paid off your loan, you have to keep full coverage to protect the lienholder’s interest. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should not remove full coverage.
Situations that may require an agent’s advice
When it comes to buying coverage online or from an agent for your personal vehicles, there really is not a one-size-fits-all type of policy. Coverage needs to be tailored to your specific needs.
For example, these questions might help in determining if your insurance needs would benefit from an agent’s advice.
- What companies insure drivers after a DUI or DWI?
- Should I sign the liability waiver when renting a car?
- Do I need to file an SR-22 for a DUI in Oklahoma?
- Why am I required to buy liability insurance?
- What if an uninsured driver hits me?
- Does my Ford Taurus need full coverage?
- How can I find cheaper teen driver insurance?
- Is my cargo covered for damage or theft?
If it’s difficult to answer those questions, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form.
Insurance agent or online?
Certain consumers still prefer to sit down with an agent and that can be a great decision The best thing about price shopping on the web is that you can find cheap car insurance rates and still choose a local agent. Buying from and supporting small agencies is definitely important in Oklahoma City.
To make it easy to find an agent, after completing this simple form, your coverage information gets sent to companies in Oklahoma City that provide free Oklahoma City car insurance quotes to get your business. It makes it easy because there is no need to contact an agency due to the fact that quote results will go directly to you. You can get cheaper car insurance rates without requiring a lot of work. If for some reason you want to get a comparison quote from a specific insurance company, you would need to search and find their rate quote page and complete a quote there.
The following are agents in Oklahoma City who can help you get comparison quotes for Ford Taurus insurance in Oklahoma City.
- Dan Ryan Insurance
6300 S Western Ave – Oklahoma City, OK 73139 – (405) 631-6300 – View Map - State Farm: Vicky Richey Insurance Agency Inc
8601 S Walker Ave – Oklahoma City, OK 73139 – (405) 635-0677 – View Map - Oklahoma Insurance Center Inc
538 E Memorial Rd – Oklahoma City, OK 73114 – (405) 608-4422 – View Map - One General Agency
817 NE 63rd St – Oklahoma City, OK 73105 – (405) 840-9393 – View Map
Choosing the best company should include more criteria than just a low price. Here are some questions you might want to ask.
- Which family members are covered?
- Will they make sure you get an adequate claim settlement?
- How would your car be valued if totaled?
- What insurance companies do they work with in Oklahoma City?
- Do they offer claims assistance after hours?
After talking to the agent and getting positive feedback to all your questions and an affordable coverage quote, you may have found a company that is reliable enough to properly service your car insurance policy. It’s important to know that it’s your policy and you can terminate your policy when you choose so don’t assume that you’re stuck with any particular company indefinitely.