Do you want an efficient way to compare more affordable Ford Taurus insurance in Omaha? Purchasing the lowest cost Omaha Ford Taurus insurance quotes might seem difficult for consumers new to quoting and comparing prices on the web. Since there are so many insurance companies available, how can consumers effectively compare them all to find the lowest price?
It’s easy to assume that insurance companies want to keep you from comparing prices. Drivers who shop around are highly likely to switch companies because they stand a good chance of finding a lower-priced policy. A survey found that consumers who compared rates annually saved an average of $70 a month compared to drivers who never compared other company’s rates.
If finding low prices for insurance is your ultimate target, then having a good understanding the best ways to shop for cheaper coverage can make the process more efficient.
If you currently have a car insurance policy, you will be able to reduce the price you pay using the ideas you’re about to read. Comparison shopping for the lowest-priced car insurance in Omaha is easy if you know what you’re doing. But Nebraska car owners need to have an understanding of how big insurance companies market on the web.
Best Ford Taurus insurance prices in Nebraska
The providers in the list below offer free quotes in Omaha, NE. If you want to find cheap auto insurance in Omaha, we suggest you visit two to three different companies to get the cheapest price.
Ford Taurus insurance rates and statistics
The table shown below covers a range of policy rates for Ford Taurus models. Having a better understanding of how policy premiums are formulated can help you make smart choices when selecting a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Taurus SE | $242 | $314 | $392 | $24 | $118 | $1,090 | $91 |
| Taurus SEL | $270 | $370 | $392 | $24 | $118 | $1,174 | $98 |
| Taurus SEL AWD | $270 | $370 | $392 | $24 | $118 | $1,174 | $98 |
| Taurus Limited | $270 | $370 | $392 | $24 | $118 | $1,174 | $98 |
| Taurus Limited AWD | $270 | $428 | $392 | $24 | $118 | $1,232 | $103 |
| Taurus SHO AWD | $298 | $428 | $392 | $24 | $118 | $1,260 | $105 |
| Get Your Own Custom Quote Go | |||||||
Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Nebraska minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Prices do not factor in vehicle location which can modify auto insurance rates significantly.
Choosing deductibles
One common question asked by Omaha drivers is the level to set your comp and collision deductibles. The comparisons below illustrate the premium difference when you select higher and lower coverage deductibles. The first rate table uses a $100 physical damage deductible and the second rate table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Taurus SE | $292 | $466 | $300 | $18 | $90 | $1,191 | $99 |
| Taurus SEL | $324 | $548 | $300 | $18 | $90 | $1,305 | $109 |
| Taurus SEL AWD | $324 | $548 | $300 | $18 | $90 | $1,305 | $109 |
| Taurus Limited | $324 | $548 | $300 | $18 | $90 | $1,305 | $109 |
| Taurus Limited AWD | $324 | $632 | $300 | $18 | $90 | $1,389 | $116 |
| Taurus SHO AWD | $358 | $632 | $300 | $18 | $90 | $1,423 | $119 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Taurus SE | $212 | $314 | $300 | $18 | $90 | $934 | $78 |
| Taurus SEL | $236 | $370 | $300 | $18 | $90 | $1,014 | $85 |
| Taurus SEL AWD | $236 | $370 | $300 | $18 | $90 | $1,014 | $85 |
| Taurus Limited | $236 | $370 | $300 | $18 | $90 | $1,014 | $85 |
| Taurus Limited AWD | $236 | $428 | $300 | $18 | $90 | $1,072 | $89 |
| Taurus SHO AWD | $262 | $428 | $300 | $18 | $90 | $1,098 | $92 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Price estimates do not factor in your specific Omaha location which can decrease or increase insurance rates noticeably.
Based on this data, using a $100 deductible costs about $24 more each month or $288 annually than buying the higher $500 deductible. Since the policyholder would be required to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you average more than 17 months between claim filings, you would most likely save money if you opt for a higher deductible.
Impact of speeding/accidents on Omaha auto insurance rates
The illustration below highlights how speeding tickets and at-fault accidents can influence Ford Taurus auto insurance costs for each different age group. The prices are based on a single female driver, comp and collision included, $250 deductibles, and no additional discounts are factored in.
Find Ford Taurus Insurance for Less
An important part of buying insurance is that you know a few of the rating criteria that go into determining your premiums. If you know what influences your rates, this enables you to make decisions that could help you find big savings. Many factors are used in the calculation when you get a price on insurance. Some factors are common sense like an MVR report, although others are not as apparent such as your credit history or how safe your car is.
The itemized list below are a partial list of the pieces companies use to determine your prices.
Your car’s features help determine premiums – Driving a car that has an advanced theft prevention system can help lower your rates. Systems that thwart thieves such as OnStar, LoJack tracking, and tamper alarms all aid in stopping car theft.
Your age impacts your prices – Teen drivers in Nebraska are statistically proven to be inattentive and easily distracted behind the wheel and because of this, their insurance rates are much higher. Having to add a teenage driver to your policy can cause a big jump in price. Older drivers are proven to be safer behind the wheel, are lower risk to insure, and are safer drivers.
The chart below uses these assumptions: single driver, full coverage with $500 deductibles, and no discounts or violations.
Do you have a stressful occupation? – Occupational choices like real estate brokers, air traffic controllers, and accountants tend to have the highest rates because of high stress levels and extremely grueling work hours. On the flip side, occupations like professors, athletes and performers pay the least.
Stay claim-free and lower rates – Auto insurance companies in Nebraska generally give discounts to people who are claim-free. If you file claims often, you can pretty much guarantee much higher rates or policy non-renewal. Your car insurance is intended for the large, substantial claims.
Always keep your coverage in force – Driving without insurance is illegal and any future policy may cost more because you let your insurance expire. Not only will rates go up, not being able to provide proof of insurance could result in fines or a revoked license. You may then be required to provide proof of insurance in the form of an SR-22 filing with the Nebraska DMV.
Less chance of injury means lower premiums – Vehicles with high crash test scores tend to have better insurance rates. Highly rated vehicles reduce injuries and reduced instances of injuries means your insurance company pays less and lower rates for you. If your Ford scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org you may pay a lower rate.
Premiums are affected by your credit rating – Having a good credit score is a big factor in determining what you pay. Drivers who have high credit scores tend to be better drivers and file fewer claims than those with lower credit ratings. If your credit rating can be improved, you could pay less to insure your Ford Taurus by spending a little time repairing your credit.
Prices increase with policy add-ons – There are a ton of additional extra coverages you can purchase on your insurance policy. Coverages for rental car reimbursement, death and dismemberment, and motor club memberships may be wasting your money. The coverages may be enticing when talking to your agent, but if you’ve never needed them in the past eliminate them to save money.
Insurance loss data for Ford Taurus vehicles – Companies include the past claim history for a vehicle to calculate a price that will offset losses. Models that historically have higher claim amounts or frequency will have a higher cost to insure. The data below shows the loss history for Ford Taurus vehicles.
For each policy coverage type, the claim probability for all vehicles, regardless of manufacturer or model, is a value of 100. Percentage values below 100 imply a favorable loss record, while percentages above 100 point to more frequent losses or an increased chance of a larger loss.
| Vehicle Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Ford Taurus 2WD | 109 | 88 | 134 | 115 | 115 | 101 |
| Ford Taurus 4WD | 120 | 78 | 141 | 124 | ||
| Ford Taurus SHO 4WD | 143 | 96 | 185 | 84 | 103 |
Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Cut your car insurance rates with discounts
Car insurance companies do not advertise every discount they offer in an easy-to-find place, so the list below details both the well known and the more hidden discounts that you may qualify for.
- Professional Organizations – Being in qualifying clubs or civic groups is a good way to get lower rates on your next car insurance statement.
- First Accident Forgiveness – This one isn’t a discount, but certain companies will let one accident slide without raising rates with the catch being you have to be claim-free prior to being involved in the accident.
- ABS Brakes – Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more on Taurus insurance in Omaha.
- College Student Discount – Kids who attend college more than 100 miles from Omaha and do not take a car to college can be insured at a reduced rate.
- Seat Belts Save more than Lives – Drivers who require all occupants to buckle up can save up to 15% off the personal injury premium cost.
Drivers should understand that most discounts do not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like collision or personal injury protection. So even though you would think adding up those discounts means a free policy, you’re out of luck.
The diagram below shows the comparison of Ford Taurus car insurance rates with and without discounts applied to the policy premium. The data assumes a female driver, no claims, a clean driving record, Nebraska state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, multi-policy, multi-car, safe-driver, and homeowner discounts applied.
A few of the larger companies and a partial list of their discounts can be read below.
- GEICO may offer discounts for seat belt use, five-year accident-free, driver training, anti-lock brakes, multi-vehicle, and anti-theft.
- SAFECO has savings for anti-lock brakes, homeowner, safe driver, drive less, and multi-car.
- State Farm offers discounts including safe vehicle, defensive driving training, accident-free, passive restraint, Steer Clear safe driver discount, and anti-theft.
- MetLife offers discounts for claim-free, good driver, good student, multi-policy, accident-free, defensive driver
- 21st Century may include discounts for theft prevention, good student, anti-lock brakes, student driver, and driver training.
- Progressive offers premium reductions for continuous coverage, multi-policy, homeowner, online quote discount, multi-vehicle, good student, and online signing.
If you are trying to find the cheapest Ford Taurus rate quotes, ask each company to apply every possible discount. Depending on the company, some discounts might not be available to policyholders in Omaha.
Car insurance quotes from local neighborhood Omaha car insurance agents
Many drivers still prefer to talk to an insurance agent and doing so can bring peace of mind The biggest benefit of comparing rate quotes online is the fact that you can find lower rates and still choose a local agent. Supporting local agencies is especially important in Omaha.
After filling out this quick form, your insurance data gets sent to companies in Omaha who will return price quotes and help you find cheaper coverage. There is no reason to drive around since rate quotes are delivered instantly to you. You’ll get the best rates and an insurance agent to talk to. In the event you want to get a comparison quote from a particular provider, just find their quoting web page and submit a quote form there.
If you prefer to buy car insurance from a reliable agent, you must know there are a couple types of insurance agents and how they are distinctly different. Agencies in Omaha can be categorized as either exclusive or independent.
Independent Car Insurance Agents (or Brokers)
These type of agents are not limited to a single company and that allows them to write policies with multiple insurance companies and find the cheapest car insurance rates. To transfer your coverage to a different company, your policy is moved internally and you can keep the same agent. If you need cheaper car insurance rates, you should always get some free quotes from at least one independent agent so that you have a good selection of quotes to compare. They also have the ability to place coverage with small mutual carriers which may have better rates.
Below are independent insurance agents in Omaha that may be able to give free rate quotes.
- Encore Insurance Group of Omaha
11929 Elm St Suite 11 – Omaha, NE 68144 – (402) 552-8700 – View Map - Alvarez Insurance Agency
4629 S 23rd St – Omaha, NE 68107 – (402) 733-1878 – View Map - Southwell Insurance Agency, LLC.
2809 S 160th St #307 – Omaha, NE 68130 – (402) 493-6940 – View Map
Exclusive Car Insurance Agents
Exclusive agencies can only provide pricing for a single company like State Farm, AAA, Farmers Insurance or Allstate. They generally cannot place coverage with different providers so keep that in mind. Exclusive insurance agents are very knowledgeable on their company’s products and that can be a competitive advantage. Drivers often use the same exclusive agent primarily because of the prominence of the brand and the convenience of having all coverages with one company.
Listed below are exclusive agents in Omaha who can help you get comparison quotes.
- State Farm: Grant Mussman
606 S 72nd St – Omaha, NE 68114 – (402) 932-0100 – View Map - Tom Kaspar – State Farm Insurance Agent
1722 N 120th St – Omaha, NE 68154 – (402) 493-0101 – View Map - Cyrus Jaffery – State Farm Insurance Agent
3015 North 90th Street Ste 3 – Omaha, NE 68134 – (402) 451-2500 – View Map
Picking an insurance agent requires more thought than just a cheap quote. The following questions are important to ask.
- Do they specialize in personal lines auto insurance in Omaha?
- Did they already check your driving record and credit reports?
- Do they prorate repair cost based on vehicle mileage?
- What discounts might you be missing?
- Are claim adjusters local or do you have to take your car somewhere else?
- Which insurance companies are they affiliated with?
Cheaper rates are available
People switch companies for a number of reasons such as high prices, denial of a claim, policy cancellation or unfair underwriting practices. Whatever your reason, switching companies can be easier than you think.
While you’re price shopping online, do not skimp on critical coverages to save a buck or two. There are a lot of situations where an insured dropped liability coverage limits and discovered at claim time that the small savings ended up costing them much more. The aim is to purchase a proper amount of coverage for the lowest price but still have enough coverage for asset protection.
In this article, we presented some good ideas how you can reduce Ford Taurus insurance auto insurance rates online in Omaha. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding low cost Omaha auto insurance quotes. You may even discover the best auto insurance rates are with a smaller regional carrier.
Steps to buying affordable Ford Taurus insurance in Omaha
The easiest way to get budget auto insurance rates is to start comparing rates regularly from providers in Omaha.
- First, it will benefit you to learn about coverages and the measures you can control to keep rates low. Many risk factors that increase rates like accidents, traffic tickets, and an imperfect credit score can be eliminated by making minor changes to your lifestyle.
- Second, get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can give quotes from a single company like Progressive or State Farm, while independent agents can provide prices for many different companies.
- Third, compare the price quotes to your existing policy and see if you can save money. If you can save money and switch companies, ensure coverage does not lapse between policies.
An important part of this process is that you’ll want to compare similar coverage information on each price quote and and to get rate quotes from every insurance company. Doing this helps ensure a fair price comparison and a complete price analysis.
Additional articles
- Vehicle Safety Ratings (iihs.org)
- Who Has Affordable Omaha Auto Insurance for a Ford F-150? (FAQ)
- How Much are Auto Insurance Rates for Single Moms in Omaha? (FAQ)
- Who Has Affordable Auto Insurance Quotes for a Toyota Tacoma in Omaha? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Teenage Females in Omaha? (FAQ)
- Who Has Affordable Car Insurance Quotes After a Speeding Ticket in Omaha? (FAQ)
- How Much are Car Insurance Quotes for a Toyota Corolla in Omaha? (FAQ)
- What Auto Insurance is Cheapest for a Honda Civic in Omaha? (FAQ)
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
- Drunk Driving Statistics (Insurance Information Institute)