Insurance rates Ford Taurus in RaleighIf you've never shopped for Raleigh car insurance quotes online, most likely you are bewildered by the sheer number insurance agents and companies vying for business in Raleigh.

It's astonishing, but 70% of consumers have bought auto insurance from the same company for more than four years, and approximately 38% of consumers have never even shopped around for affordable coverage. American consumers could save themselves $860 a year, but they don't believe the actual amount they would save if they switch to a new company.

To get affordable Ford Taurus insurance quotes, there a variety of ways to compare quotes from different companies. The quickest method to find competitive insurance rates is simply to get online rate quotes. When comparing insurance rates, know that comparing a large number of companies helps increase your odds of locating better pricing.

The companies shown below have been selected to offer free rate quotes in North Carolina. If the list has multiple companies, we recommend you click on several of them to get the lowest price.

Ford Taurus Insurance Price Estimates in Raleigh, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Taurus SE $208 $398 $282 $16 $84 $988 $82
Taurus SEL $190 $302 $254 $16 $76 $838 $70
Taurus SEL AWD $170 $240 $326 $20 $98 $854 $71
Taurus Limited $220 $352 $256 $16 $76 $920 $77
Taurus Limited AWD $242 $440 $250 $14 $74 $1,020 $85
Taurus SHO AWD $186 $348 $282 $16 $84 $916 $76
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Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Premium amounts do not factor in zip code location which can impact prices noticeably.

Comparison of car insurance rates by gender and age

The diagram below compares Ford Taurus insurance rates for male and female drivers. The costs are based on no violations or accidents, comprehensive and collision coverage, $1,000 deductibles, single marital status, and no additional discounts are factored in.

Discounts mean cheaper rates for Ford Taurus insurance in Raleigh

Some insurers don't always advertise all discounts very clearly, so the next list breaks down both the well known and the harder-to-find savings tricks you should be using when you buy Raleigh car insurance online.Save money with discounts

We need to note that most credits do not apply to the entire policy premium. The majority will only reduce individual premiums such as physical damage coverage or medical payments. Even though it appears having all the discounts means you get insurance for free, companies wouldn't make money that way.

Companies and the discounts they provide are:

When getting free Raleigh car insurance quotes, it's a good idea to all companies you are considering which discounts you may be entitled to. A few discounts may not be offered in every state. To see a list of providers that provide some of the discounts listed above in North Carolina, click this link.

Protect more than your Ford Taurus

Even though Raleigh Taurus insurance rates can get expensive, car insurance may be mandatory for several reasons.

The benefits of carrying enough insurance definitely exceed the price paid, specifically if you ever have a liability claim. According to a 2015 survey, the average American driver overpays as much as $820 a year so you should quote your policy with other companies every year to ensure rates are competitive.

There's no such thing as the perfect car insurance policy

When selecting the best car insurance coverage for your vehicles, there really is no one-size-fits-all type of policy. Everyone's situation is unique and your car insurance should unique, too.Higher deductibles save money For example, these questions may help highlight whether you would benefit from professional advice.

If you don't know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Shop online but buy locally

Many drivers would prefer to sit down and talk to an agent and that is just fine! An additional benefit of comparing auto insurance online is you may find lower premium rates and still have an agent to talk to. Buying from and supporting neighborhood insurance agencies is still important in Raleigh.

Raleigh insurance agentsBy using this short form, the coverage information is immediately sent to local insurance agents that can give you free Raleigh car insurance quotes for your auto insurance coverage. You don't have to search for any insurance agencies since rate quotes are delivered directly to you. You can most likely find cheaper rates and work with a local agent. If for some reason you want to get a comparison quote from a particular provider, you just need to go to their quote page and give them your coverage information.

Listed below is a list of insurers in Raleigh that can give you price quotes for Ford Taurus insurance in Raleigh.

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Finding the right insurance company should depend on more than just the bottom line cost. A good agent in Raleigh will have answers to these questions.

Insurance coverage considerations

Having a good grasp of insurance can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are the normal coverages found on the average insurance policy.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle's occupants and damage to your Ford Taurus.

Since many North Carolina drivers only carry the minimum required liability limits (North Carolina limits are 30/60/25), their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are identical to your policy's liability coverage.

Liability car insurance

Liability coverage will cover injuries or damage you cause to other people or property. This insurance protects YOU against claims from other people, and doesn't cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 30/60/25 that translate to $30,000 in coverage for each person's injuries, a per accident bodily injury limit of $60,000, and a total limit of $25,000 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 coverage pays for things such as repair bills for other people's vehicles, bail bonds and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible. North Carolina requires minimum liability limits of 30/60/25 but you should consider buying better liability coverage.

Auto collision coverage

This coverage pays for damage to your Taurus caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision can pay for things like driving through your garage door, backing into a parked car and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also increase the deductible on your Taurus in order to get cheaper collision rates.

Comprehensive insurance

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like rock chips in glass, hitting a deer and damage from a tornado or hurricane. The maximum amount you'll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it's not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for expenses for X-ray expenses, pain medications, chiropractic care, surgery and ambulance fees. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible