Unimaginable but true, 70% of consumers kept buying from the same company for a minimum of four years, and just under half have never compared car insurance rates at all. With the average premium in California being $1,400, drivers can save hundreds of dollars each year, but they just don’t understand the rate savings if they switched to a cheaper policy.
Really, the only way to find better pricing on car insurance rates in Irvine is to annually compare prices from different companies that insure vehicles in California.
- First, learn about how car insurance works and the modifications you can make to drop your rates. Many rating criteria that increase rates such as tickets, at-fault accidents, and a less-than-favorable credit history can be rectified by being financially responsible and driving safely.
- Second, compare price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can give quotes from one company like GEICO and Allstate, while agents who are independent can provide prices for a wide range of insurance providers.
- Third, compare the new quotes to your existing rates and see if there is a cheaper rate in Irvine. If you find a lower rate, verify that coverage does not lapse between policies.
- Fourth, notify your company or agent to cancel your current auto insurance policy and submit a down payment along with a signed application to your new carrier. As soon as you have the new policy, safely store the certificate of insurance in your vehicle.
An important note is that you’ll want to make sure you compare the same physical damage deductibles and liability limits on every quote and and to get rates from as many car insurance companies as possible. Doing this provides the most accurate price comparison and maximum price selection.
Shopping around for cheaper car insurance coverage in Irvine is easy if you know what you’re doing. Just about everyone who is required by state law to have car insurance should get a lower-priced policy. Although California drivers must know the way insurance companies determine how much to charge because rates are impacted by many factors.
When comparison shopping, there are several ways to compare quotes from auto insurance companies in your area. One of the best ways to find affordable insurance rates consists of shopping online.
Comparing quotes online is fast and free, and it makes it obsolete to go to insurance agents’ offices. The internet eliminates the need for an insurance agent unless you’re the type of person who wants the professional abilities of a licensed agent. Although you can price shop your coverage online but buy from a local insurance agent. When quoting auto insurance, remember that having more price comparisons increases the chance that you will find a lower rate. Some regional insurers cannot provide online price quotes, so you should also compare price estimates from them as well.
The companies in the list below are ready to provide quotes in California. If your goal is to find the best cheap car insurance in CA, we recommend you visit as many as you can in order to find the most competitive rates.
Analysis of Ford Taurus rates
The coverage table displayed below outlines estimates of insurance prices for Ford Taurus models. Being more informed about how insurance prices are determined can be valuable when making decisions on the best policy coverages.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Taurus SE | $296 | $478 | $416 | $24 | $124 | $1,338 | $112 |
| Taurus SEL | $330 | $562 | $416 | $24 | $124 | $1,456 | $121 |
| Taurus SEL AWD | $330 | $562 | $416 | $24 | $124 | $1,456 | $121 |
| Taurus Limited | $330 | $562 | $416 | $24 | $124 | $1,456 | $121 |
| Taurus Limited AWD | $330 | $648 | $416 | $24 | $124 | $1,542 | $129 |
| Taurus SHO AWD | $364 | $648 | $416 | $24 | $124 | $1,576 | $131 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Premium costs do not factor in specific location information which can increase or decrease price quotes greatly.
Auto insurance premiums based on gender
The diagram below compares Ford Taurus insurance rates for male and female drivers. The premiums are based on a clean driving record, no claims, comprehensive and collision coverage, $1,000 deductibles, drivers are single, and no discounts are taken into consideration.
Why do I need car insurance?
Even though it can be expensive, maintaining insurance is required for several reasons.
First, almost all states have compulsory liability insurance requirements which means you are required to buy a minimum amount of liability protection in order to drive the car. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if you bought your vehicle with a loan, most banks will require you to have physical damage coverage to ensure they get paid if you total the vehicle. If you cancel or allow the policy to lapse, the bank will be required to insure your Ford at a much higher rate and make you pay the higher premium.
Third, insurance safeguards not only your Ford Taurus but also your assets. It will also provide coverage for medical bills for not only you but also any passengers injured in an accident. Liability coverage, the one required by state law, will also pay to defend you if you cause an accident and are sued. If your vehicle suffers damage from an accident or hail, your policy will cover the damage repairs after a deductible is paid.
The benefits of carrying adequate insurance definitely exceed the cost, particularly if you ever have a claim. An average driver in America overpays more than $700 annually so you should quote rates every year to save money.
Tailor your auto insurance coverage to you
When buying the best auto insurance coverage for your vehicles, there really is no one-size-fits-all type of policy. Coverage needs to be tailored to your specific needs.
For example, these questions can aid in determining whether you may require specific advice.
- What should my uninsured motorist coverage limits be in California?
- Can I rent a car in Mexico?
- What is the premium to book value ratio for dropping full coverage?
- What are the financial responsibility laws in my state?
- Can I get a multi-policy discount for packaging my home and auto coverage?
- Is my vehicle covered by my employer’s policy when using it for work?
If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form.
Specific coverages for a Ford Taurus
Learning about specific coverages of your auto insurance policy helps when choosing the best coverages for your vehicles. Auto insurance terms can be ambiguous and reading a policy is terribly boring.
Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for rehabilitation expenses, prosthetic devices and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover both the driver and occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay
Comprehensive or Other Than Collision – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things like theft, a broken windshield and damage from a tornado or hurricane. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
UM/UIM Coverage – This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Ford Taurus.
Since a lot of drivers carry very low liability coverage limits (which is 15/30/5), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Frequently these limits are similar to your liability insurance amounts.
Collision coverage – Collision coverage will pay to fix damage to your Taurus resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for claims such as colliding with another moving vehicle, colliding with a tree and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It’s also possible to raise the deductible on your Taurus to bring the cost down.
Auto liability – Liability coverage protects you from damage or injury you incur to people or other property that is your fault. Coverage consists of three different limits, 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 15/30/5 which stand for $15,000 bodily injury coverage, $30,000 for the entire accident, and $5,000 of coverage for damaged property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.
Liability coverage pays for claims such as legal defense fees, funeral expenses and structural damage. How much coverage you buy is a personal decision, but consider buying as much as you can afford. California requires drivers to carry at least 15/30/5 but drivers should carry higher limits.
The next chart demonstrates why buying minimum limits may not provide you with enough coverage.
Quote often and quote early
Some insurance companies may not provide internet price quotes and most of the time these regional insurance providers sell through independent agents. Budget-friendly insurance in Irvine is definitely available online and from local insurance agents, so you need to compare both to have the best selection.
When you buy Irvine car insurance online, never sacrifice coverage to reduce premiums. There are too many instances where drivers have reduced full coverage to discover at claim time that their decision to reduce coverage ended up costing them more. The aim is to find the BEST coverage at the best possible price, but do not sacrifice coverage to save money.
People leave their current company for any number of reasons including an unsatisfactory settlement offer, questionable increases in premium, unfair underwriting practices and even delays in responding to claim requests. Regardless of your reason for switching companies, finding the right insurance provider is less work than it seems.
More information can be found at the links below
- Vehicle Safety Ratings (iihs.org)
- What Car Insurance is Cheapest for a Toyota Corolla in Irvine? (FAQ)
- What Car Insurance is Cheapest for Used Cars in Irvine? (FAQ)
- How Much are Irvine Car Insurance Rates for a Ford Escape? (FAQ)
- Who Has Affordable Irvine Auto Insurance Rates for State Employees? (FAQ)
- Who Has the Cheapest Irvine Auto Insurance Quotes for a Honda Civic? (FAQ)
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)
- Shopping for a Safe Car (Insurance Information Institute)
- Help Your Teen Be a Better Driver (State Farm)
- Car Insurance: When not to Skimp (BankRate.com)