Trying to come up with a payment for high-priced auto insurance can bleed your personal savings and possibly require you to analyze your spending habits.
Shockingly, about 70% of customers kept buying from the same company for four years or more, and about 40% of consumers have never even compared rates from other companies. Kansas City drivers could save themselves nearly $320 a year, but they don’t invest the time required to compare rates online.
How to find low-cost Ford Taurus insurance in Kansas City
It takes a little time, but the best way to find affordable quotes for Ford Taurus insurance in Kansas City is to do an annual price comparison from companies in Missouri. You can compare rates by following these guidelines.
- Step 1: It will benefit you to learn about the coverage provided by your policy and the measures you can take to keep rates down. Many risk factors that cause rate increases like your driving record and a substandard credit history can be controlled by paying attention to minor details.
- Step 2: Obtain price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can give quotes from one company like GEICO and Allstate, while independent agents can provide rate quotes from multiple insurance companies. View prices
- Step 3: Compare the new rate quotes to your current policy and see if you can save money. If you can save money and make a switch, make sure there is no lapse in coverage.
One thing to remember is that you use the same liability limits and deductibles on each quote request and and to get quotes from as many different insurance providers as possible. This enables a fair price comparison and plenty of rates choose from.
Insurance companies such as Allstate, Liberty Mutual and State Farm constantly blast consumers with TV and radio ads and it can be hard to sift through the bull and take the time to shop coverage around.
If you already have coverage or are looking for a new policy, you will benefit by learning to get lower rates while maintaining coverages. Finding the cheapest auto insurance coverage in Kansas City can initially seem challenging. You just have to use how to compare insurance rates from many different companies online.
The quickest way to compare rates for Ford Taurus insurance in Kansas City utilizes the fact almost all companies provide online access to give rate comparisons. The only thing you need to do is give the companies some data such as which vehicles you own, whether you are married, what your job is, and types of safety features. The data is then sent to multiple different insurance companies and they provide comparison quotes almost instantly.
If you would like to start a quote now, click here and find out if lower rates are available in Kansas City.
The companies shown below provide quotes in Missouri. In order to find cheap car insurance in Kansas City, we suggest you visit two to three different companies to find the cheapest car insurance rates.
Insurance coverage details
The information below showcases estimates of prices for Ford Taurus models. Being able to understand how rates are calculated is important for drivers to make smart choices when choosing a car insurance company.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Taurus SE | $186 | $322 | $322 | $20 | $96 | $946 | $79 |
| Taurus SEL | $206 | $380 | $322 | $20 | $96 | $1,024 | $85 |
| Taurus SEL AWD | $206 | $380 | $322 | $20 | $96 | $1,024 | $85 |
| Taurus Limited | $206 | $380 | $322 | $20 | $96 | $1,024 | $85 |
| Taurus Limited AWD | $206 | $436 | $322 | $20 | $96 | $1,080 | $90 |
| Taurus SHO AWD | $228 | $436 | $322 | $20 | $96 | $1,102 | $92 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Missouri minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Prices do not factor in zip code location which can alter coverage rates significantly.
Policy deductible comparison
When comparing auto insurance rates, the most common question is at what level do you set your deductibles. The comparisons below summarize the cost difference between low and high physical damage deductibles. The first price estimate table uses a $250 deductible for physical damage and the second price table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Taurus SE | $232 | $346 | $266 | $16 | $80 | $965 | $80 |
| Taurus SEL | $258 | $408 | $266 | $16 | $80 | $1,053 | $88 |
| Taurus SEL AWD | $258 | $408 | $266 | $16 | $80 | $1,053 | $88 |
| Taurus Limited | $258 | $408 | $266 | $16 | $80 | $1,053 | $88 |
| Taurus Limited AWD | $258 | $470 | $266 | $16 | $80 | $1,115 | $93 |
| Taurus SHO AWD | $286 | $470 | $266 | $16 | $80 | $1,143 | $95 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Taurus SE | $188 | $280 | $266 | $16 | $80 | $830 | $69 |
| Taurus SEL | $210 | $330 | $266 | $16 | $80 | $902 | $75 |
| Taurus SEL AWD | $210 | $330 | $266 | $16 | $80 | $902 | $75 |
| Taurus Limited | $210 | $330 | $266 | $16 | $80 | $902 | $75 |
| Taurus Limited AWD | $210 | $380 | $266 | $16 | $80 | $952 | $79 |
| Taurus SHO AWD | $232 | $380 | $266 | $16 | $80 | $974 | $81 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Prices do not factor in specific location which can modify premiums considerably.
We can derive from the above data that using a $250 deductible will cost you roughly $13 more each month or $156 for a full year than requesting the higher $500 deductible. Since you would have to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you normally go at a minimum 19 months between claim filings, you would probably save some money by going with a higher deductible. The numbers below show a better example of how you can make your own decision.
| Average monthly premium for $250 deductibles: | $89 |
| Average monthly premium for $500 deductibles (subtract): | – $76 |
| 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 |
Careless driving habits raise Kansas City auto insurance rates
The chart below demonstrates how traffic citations and accidents drive up Ford Taurus insurance rates for different age categories. The price estimates are based on a married male driver, full physical damage coverage, $250 deductibles, and no additional discounts are factored in.
Cost difference between full coverage and liability
The diagram below shows the comparison of Ford Taurus insurance rates when comparing full coverage to state minimum liability only. The price estimates are based on a clean driving record, no at-fault accidents, $250 deductibles, drivers are not married, and no discounts are taken into consideration.
Are you wasting money paying for full coverage?
There is no clear-cut rule to eliminate full coverage, but there is a general school of thought. If the annual cost of having full coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, the it may be a good time to stop paying for full coverage.
For example, let’s assume your Ford Taurus replacement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company would pay you is $6,000 after paying your policy deductible. If premium cost is more than $600 a year for full coverage, then it could be time to drop full coverage.
There are some situations where buying only liability insurance is not financially feasible. If you haven’t satisfied your loan, you are required to maintain full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should not buy liability only.
Insurance does more than just protect your car
Despite the high cost, insurance is required in Missouri but it also protects you in many ways.
- Just about all states have minimum mandated liability insurance limits which means you are required to carry a minimum amount of liability insurance coverage in order to license the vehicle. In Missouri these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you have a lien on your Ford Taurus, almost every bank will require that you buy insurance to guarantee payment of the loan. If the policy lapses, the lender may insure your Ford for a much higher rate and force you to pay for the expensive policy.
- Insurance safeguards not only your vehicle but also your financial assets. It will also pay for medical transport and hospital expenses that are the result of an accident. Liability insurance, one of your policy coverages, will also pay attorney fees if someone files suit against you as the result of an accident. If mother nature or an accident damages your car, comprehensive and collision coverage will pay to restore your vehicle to like-new condition.
The benefits of insuring your car more than offset the price you pay, specifically if you ever have a liability claim. According to a 2015 survey, the average American driver overpays more than $825 a year so you should quote rates once a year at a minimum to save money.
What insurance coverages do I need?
When it comes to choosing your policy, there really is no single plan that fits everyone. Each situation is unique so this has to be addressed.
For instance, these questions might point out if your situation might need an agent’s assistance.
- Can my babysitter drive my car?
- Can I get by with minimal medical coverage if I have good health insurance?
- How do I file an SR-22 for a DUI in Missouri?
- Should I bundle my homeowners policy with my auto?
- Do I need more liability coverage?
- Is other people’s property covered if stolen from my vehicle?
- How can I get high-risk coverage after a DUI?
If you can’t answer these questions but you know they apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area. It is quick, free and may give you better protection.
The coverage is in the details
Having a good grasp of your policy helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverage types found on most insurance policies.
Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as damage to your Ford Taurus.
Because many people only purchase the least amount of liability that is required (25/50/10), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.
Comprehensive coverage – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers things like damage from flooding, damage from a tornado or hurricane and theft. The maximum payout your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
Collision coverage – This will pay to fix damage to your Taurus from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.
Collision coverage pays for things such as sideswiping another vehicle, crashing into a ditch, rolling your car, damaging your car on a curb and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible on your Taurus to get cheaper collision coverage.
Medical payments coverage and PIP – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for surgery, funeral costs and prosthetic devices. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover you and your occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage
Coverage for liability – Liability insurance provides protection from damage or injury you incur to people or other property that is your fault. This insurance protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/10 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $10,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.
Liability insurance covers things like bail bonds, medical services, loss of income and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but consider buying as large an amount as possible. Missouri state law requires minimum liability limits of 25/50/10 but drivers should carry better liability coverage.
The illustration below shows why buying minimum limits may not be high enough to adequately cover claims.
Persistence pays off
Lower-priced Ford Taurus insurance in Kansas City is possible from both online companies and from local agencies, and you should compare price quotes from both so you have a total pricing picture. A few companies do not provide online quoting and usually these small insurance companies only sell coverage through independent agents.
As you restructure your insurance plan, it’s not a good idea to sacrifice coverage to reduce premiums. In many cases, consumers will sacrifice uninsured motorist or liability limits and learned later that saving that couple of dollars actually costed them tens of thousands. Your goal should be to purchase plenty of coverage for the lowest cost and still be able to protect your assets.
We just showed you some good ideas how you can get a better price on Ford Taurus insurance in Kansas City. It’s most important to understand that the more times you quote, the higher the chance of saving money. You may even find the best car insurance rates are with an unexpected company. Some small companies may often insure only within specific states and give better rates than the large multi-state companies such as Allstate, GEICO and Progressive.
Steps to buying affordable Ford Taurus insurance in Kansas City
To save the most money, the best way to get discount auto insurance rates is to compare prices regularly from different companies in Kansas City. You can compare rates by following these guidelines.
- First, try to learn about how your policy works and the things you can control to keep rates in check. Many factors that result in higher prices such as traffic violations, accidents, and a less-than-favorable credit score can be improved by making minor changes in your lifestyle.
- Second, request price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can give quotes from a single company like Progressive and State Farm, while agents who are independent can provide price quotes from multiple sources.
- Third, compare the new rate quotes to the premium of your current policy to see if a cheaper rate is available. If you find a better price and make a switch, ensure coverage does not lapse between policies.
- Fourth, tell your current company of your decision to cancel your current auto insurance policy and submit the signed application along with the required initial payment to the newly selected company. Be sure to place your new certificate of insurance in your glove compartment.
The most important part of shopping around is to use the same level of coverage on every price quote and and to get prices from as many different insurance providers as possible. Doing this guarantees a level playing field and a thorough selection of prices.
Additional articles
- Car Insurance: When not to Skimp (BankRate.com)
- Who Has Cheap Auto Insurance for Active Military in Kansas City? (FAQ)
- How Much is Kansas City Auto Insurance for a Chevrolet Equinox? (FAQ)
- Winter Driving (Insurance Information Institute)
- Understanding Limits and Deductibles (Allstate)
- Car Insurance FAQ (Trusted Choice)