Find Affordable Ford Taurus Insurance in Bakersfield

Astonishing but true, 70% of consumers have remained with the same car insurance company for at least four years, and almost 40% of drivers have never compared rate quotes at all. Most drivers in Bakersfield can cut their rates by about $470 a year by just shopping around, but most undervalue the large savings they would see if they switch to a new company.

To save the most money, the best way to find cheaper prices for auto insurance rates is to compare prices at least once a year from insurers who sell auto insurance in Bakersfield. Rates can be compared by following these guidelines.

1. Try to learn about what is in your policy and the factors you can control to keep rates down. Many rating criteria that increase rates such as careless driving and an imperfect credit rating can be improved by making minor changes to your lifestyle. This article gives ideas to keep prices down and get bigger discounts that may have been overlooked.
2. Compare rates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only provide price estimates from one company like Progressive or State Farm, while independent agencies can provide rate quotes from multiple insurance companies.
3. Compare the price quotes to your existing rates to determine if you can save on Taurus insurance. If you can save some money, ensure coverage does not lapse between policies.
4. Provide notification to your current company of your intent to cancel your existing policy. Submit a completed policy application and payment to the new insurer. As soon as coverage is bound, keep the new proof of insurance paperwork in a readily accessible location in your vehicle.

One important bit of advice is to make sure you enter the same liability limits and deductibles on each price quote and and to compare as many companies as you can. This guarantees a fair rate comparison and a thorough price selection.

Companies offering Ford Taurus insurance in Bakersfield

The companies in the list below can provide price quotes in Bakersfield, CA. If multiple companies are shown, it’s a good idea that you visit two to three different companies to get a more complete price comparison.

Ford Taurus insurance rates and statistics

The table displayed below showcases a range of insurance policy prices for Ford Taurus models. Learning as much as possible about how auto insurance premiums are calculated can be useful when making informed decisions.

Table data represents married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Rate information does not factor in specific Bakersfield garaging location which can impact auto insurance rates significantly.

Policy deductible comparison

One of the most common car insurance questions is how low should you set your deductibles. The tables below may help to conceptualize the differences in premium rates when you choose different deductibles. The first rate estimation uses a $250 deductible and the second price grid uses a $500 deductible.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Premium amounts do not factor in specific location information which can alter rates substantially.

Based on this data, using a $250 deductible could cost the average driver approximately $20 more each month or $240 every year across all Ford Taurus models than buying the higher $500 deductible. Since the policyholder would be required to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you tend to have at least 13 months between claim filings, you would probably come out ahead if you choose a higher deductible.

The chart below demonstrates how deductible levels and can impact Ford Taurus insurance costs for different categories of driver ages. Data assumes a single female driver, comp and collision included, and no discounts are factored in.

Impact of citations and accidents on insurance rates

The diagram below demonstrates how citations and at-fault fender-benders impact Ford Taurus auto insurance costs for different ages of insureds. Data assumes a married male driver, comp and collision included, $100 deductibles, and no discounts are applied to the premium.

Full coverage rates compared to liability-only

The example below shows the comparison of Ford Taurus insurance premiums with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data is based on no violations or accidents, $250 deductibles, drivers are single, and no discounts are factored in.

When to drop comp and collision

There is no clear-cut formula of when to phase out physical damage insurance, but there is a general school of thought. If the annual cost of your full coverage insurance is 10% or more of the replacement cost of your vehicle minus the policy deductible, then you may need to consider dropping full coverage.

For example, let’s pretend your Ford Taurus replacement value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most your company will settle for is $6,000 after the policy deductible has been paid. If premiums are more than $600 annually for your policy with full coverage, then it may be the right time to buy liability only.

There are a few cases where only buying liability is not in your best interest. If you still have a lienholder on your title, you have to keep full coverage to satisfy the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should not consider dropping full coverage.

Verify you’re applying every discount

Auto insurance is not inexpensive, but there could be available discounts that you may not know about. Most are applied at the time you complete a quote, but some discounts are required to be manually applied prior to receiving the credit.

• Student Discount for Driver Training – Require your teen driver to successfully complete driver’s ed class if it’s offered in school.
• Senior Citizen Discount – Mature drivers can get better auto insurance rates.
• Discount for Low Mileage – Driving less could earn cheaper rates.
• Student in College – Children who are attending college and won’t have access to an insured vehicle could qualify for this discount.
• Payment Method – If you pay your entire premium ahead of time instead of paying each month you may have a lower total premium amount.
• Discounts for Cautious Drivers – Insureds who avoid accidents can pay as much as 50% less than drivers with accident claims.
• Military Rewards – Being on active deployment in the military may lower your prices slightly.
• Memberships – Belonging to a professional or civic organization can get you a small discount when getting a Bakersfield car insurance quote.
• Accident Forgiveness – Not really a discount, but companies like Progressive, State Farm and GEICO will allow you to have one accident before raising your premiums so long as you are claim-free for a specific time period.
• Defensive Driver Discount – Taking a class that teaches driver safety techniques could save 5% or more if you qualify.

We need to note that some credits don’t apply to all coverage premiums. Most only reduce specific coverage prices like liability, collision or medical payments. So despite the fact that it appears all those discounts means the company will pay you, you aren’t that lucky.

The example below shows the difference between Ford Taurus car insurance costs with and without discounts being applied to the rates. The rates are based on a male driver, no claims or driving violations, California state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, marriage, claim-free, multi-car, and safe-driver discounts applied.

A list of companies and a selection of discounts are included below.

• Farm Bureau has savings for renewal discount, youthful driver, 55 and retired, safe driver, and multi-policy.
• Liberty Mutual includes discounts for safety features, new move discount, multi-policy, new graduate, and multi-car.
• State Farm may offer discounts for multiple autos, accident-free, passive restraint, student away at school, and anti-theft.
• Auto-Owners Insurance may have discounts that include good student, paperless, company car, anti-lock brakes, mature driver, student away at school, and teen driver.
• GEICO may include discounts for good student, federal employee, anti-theft, anti-lock brakes, membership and employees, and emergency military deployment.
• SAFECO offers premium reductions for bundle discounts, anti-lock brakes, teen safety rewards, multi-car, and safe driver.

If you are trying to find cheaper Bakersfield car insurance quotes, ask every insurance company which discounts you qualify for. Some of the discounts discussed earlier may not apply to policyholders in every state.

Local neighborhood insurance agents

A lot of people just want to visit with an insurance agent and that is recommended in a lot of cases Licensed agents can help you choose the best coverages and will help you if you have claims. The best thing about price shopping on the web is that you can obtain lower rates but still work with a licensed agent. And buying from neighborhood agents is definitely important in Bakersfield.

To make it easy to find an agent, after completing this short form, your coverage information is submitted to agents in your area who will return price quotes for your business. There is no reason to leave your house since rate quotes are delivered directly to you. If you have a need to compare rates from a specific insurance company, just search and find their rate quote page to submit a rate quote request.

Listed below are Bakersfield insurers willing to provide comparison quotes for Ford Taurus insurance in Bakersfield.

View more agents

Choosing the best company needs to be determined by more than just a cheap quote. Agents should be asked these questions:

• Does the agent have professional designations like CIC, CPCU or AIC?
• Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
• How would your car be valued if totaled?
• How are claims handled?
• Does the agency support the community they serve?
• Can glass repairs be made at your home?
• What insurance companies do they work with in Bakersfield?

Compare but don’t skimp

We just covered a lot of tips how to compare Ford Taurus insurance auto insurance rates in Bakersfield. It’s most important to understand that the more price quotes you have, the better your comparison will be. You may even discover the lowest auto insurance rates are with a small local company. They often have lower premium rates on specific markets compared to the large companies like Progressive and GEICO.

When shopping online for car insurance, never skimp on coverage in order to save money. There have been many cases where an insured dropped collision coverage and learned later that the few dollars in savings costed them thousands. The goal is to find the BEST coverage at an affordable rate, but do not sacrifice coverage to save money.

Additional resources

• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• How Much are Car Insurance Quotes for a Hyundai Elantra in Bakersfield? (FAQ)
• Who Has the Cheapest Bakersfield Auto Insurance for Unemployed Drivers? (FAQ)
• Who Has Cheap Auto Insurance Quotes for Uber Drivers in Bakersfield? (FAQ)
• Who Has Cheap Bakersfield Auto Insurance Rates for Government Employees? (FAQ)
• How Much are Bakersfield Auto Insurance Rates for Drivers with Good Credit? (FAQ)
• Auto Insurance 101 (About.com)
• Information for Teen Drivers (GEICO)