Cheap Insurance for a Ford Taurus in Milwaukee

Do you want to learn how to find the cheapest Ford Taurus insurance in Milwaukee? Cutting costs on Ford Taurus insurance in Milwaukee is always kind of frustrating for drivers who are new to buying insurance online. With so many agents and online companies, it can easily be hard work to find more affordable Ford Taurus insurance rates.

It’s shocking but a large majority of consumers renewed their policy with the same company for a minimum of four years, and roughly 40% of drivers have never even compared rates from other companies. American consumers can save hundreds of dollars each year by just shopping around, but they just assume it’s a time-consuming process to shop their coverage around.

Consumers should take time to shop coverage around before your next renewal because rates change regularly. If you had the best rate on Ford Taurus insurance in Milwaukee a year ago you will most likely find a better price today. Forget anything you know (or think you know) about insurance because you’re about to find out one of the best ways to find great coverage at a great price.

If you have coverage now, you will be able to find the best rates using the techniques presented in this article. Our objective is to tell you how to effectively get price quotes and how to save the most money. Nevertheless, Wisconsin vehicle owners can benefit by having an understanding of the methods companies use to sell online and take advantage of how the system works.

Best companies for low-cost Ford Taurus insurance in Wisconsin

The auto insurance companies shown below are our best choices to provide free rate quotes in Milwaukee, WI. If the list has multiple companies, we suggest you click on several of them in order to get a fair rate comparison.

Cost estimates assume married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Wisconsin minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Rates do not factor in vehicle location which can lower or raise insurance rates significantly.

Car insurance premiums based on gender

The chart below shows the comparison of Ford Taurus insurance costs for male and female drivers. The information is based on no claims or driving citations, comp and collision included, $1,000 deductibles, drivers are not married, and no other discounts are factored in.

Can higher deductibles save money?

The diagram below shows how different deductible levels and can affect Ford Taurus insurance costs for different age groups of insureds. Data assumes a married male driver, full physical damage coverage, and no discounts are applied.

Choosing deductibles

One frequently asked question is at what level do you set your deductibles. The following insurance rates determine the rate fluctuation between high and low policy deductibles. The first rate comparisons uses a $250 comprehensive and collision deductible and the second set of rates uses a $500 deductible.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Wisconsin minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Information does not factor in specific location information which can revise auto insurance rates considerably.

We can derive from the above data that using a $250 deductible would cost the average driver about $11 more each month or $132 each year than quoting the higher $500 deductible. Due to the fact that you would have to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you tend to have at least 23 months between claims, you would save more money if you opt for a higher deductible. Here’s an example of how you can make this decision for your own policy.

Companies offer money-saving discounts on Ford Taurus insurance in Milwaukee

Car insurance can cost a lot, but there are discounts available to cut the cost considerably. Certain credits will be shown when you quote, but some discounts are required to be inquired about before being credited.

• Mature Driver Discount – Seniors can possibly qualify for better car insurance rates.
• Discount for Passive Restraints – Options like air bags or motorized seat belts may earn rate discounts of 20 to 30 percent.
• Early Renewal Discounts – Select insurance companies give a discount for signing up before your current expiration date. Ten percent is about the average savings.
• Seat Belts Save more than Lives – Forcing all vehicle occupants to buckle their seat belts can save up to 15% off the medical payments premium.
• Drive Safe and Save – Accident-free drivers may save up to 50% more compared to rates paid by drivers with frequent claims.
• Theft Deterrent Discount – Anti-theft and alarm system equipped vehicles can help prevent theft and that can save you a little bit as well.

Don’t be surprised that most discounts do not apply to the entire cost. Most only apply to the cost of specific coverages such as comp or med pay. Just because it seems like it’s possible to get free car insurance, companies wouldn’t make money that way.

Car insurance companies that may offer policyholders these discounts include:

• GEICO
• MetLife
• Progressive
• Travelers
• SAFECO
• AAA

When comparing rates, check with each insurance company which discounts can lower your rates. Some of the discounts discussed earlier might not be available to policyholders in Milwaukee. To find car insurance companies that provide some of the discounts listed above in Milwaukee, click this link.

Will just any policy work for me?

Keep in mind that when it comes to choosing adequate coverage, there really is not a cookie cutter policy. Every situation is different.

Here are some questions about coverages that might point out if your situation could use an agent’s help.

• Is my dog or cat covered if injured in an accident?
• Is my son or daughter covered when driving my car?
• What is GAP insurance?
• Are rock chip repairs covered?
• Do I have coverage when pulling a U-Haul trailer?
• Why do I need rental car insurance?
• When should I drop full coverage on my Ford Taurus?
• Does my insurance cover damage caused when ticketed for reckless driving?

If you can’t answer these questions, you may need to chat with an agent. If you don’t have a local agent, fill out this quick form.

You may need help from a local insurance agent

Certain consumers would prefer to sit down and talk to an agent and that is not a bad decision One of the benefits of comparing insurance prices online is you may find lower prices and also buy local.

To help locate an agent, after submitting this quick form, your insurance data is transmitted to insurance agents in Milwaukee who will return price quotes to get your business. It’s much easier because you don’t need to contact an agency as quotes are delivered directly to your email. It’s the lowest rates AND a local agent. If you want to get a rate quote from a specific company, you can always search and find their rate quote page and complete a quote there.

Choosing the best company shouldn’t rely on just a cheap price. Any agent in Milwaukee should have no problem answering these questions:

• If you raise deductibles, how much can you save?
• Does the agent help file claims?
• Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
• What are their preferred companies if they are an independent agency?
• Will they take your side in the event of a claim?

If you’re trying to find a good insurance agency, there are two types of insurance agents and how they differ in how they quote coverages. Agencies in Milwaukee are categorized either exclusive or independent (non-exclusive).

Exclusive Insurance Agents

These type of agents generally can only insure with one company and some examples include State Farm, Allstate and AAA. These agents are not able to shop your coverage around so keep that in mind. Exclusive agencies are well trained on sales techniques which helps them sell on service rather than price. Some people will only buy from exclusive agents mainly due to the prominence of the brand rather than low price.

The following are Milwaukee exclusive insurance agents who may provide you with rate quotes.

• Allstate Insurance: Tom Hoffman
  2090 Miller Park Way – West Milwaukee, WI 53219 – (414) 384-1200 – View Map
• Diana Kostal – State Farm Insurance Agent
  1410 E Capitol Dr – Milwaukee, WI 53211 – (414) 964-8680 – View Map
• American Family Insurance – Paul Rathkamp
  11805 W Hampton Ave – Milwaukee, WI 53225 – (414) 438-1515 – View Map

More insurance agents

Independent Insurance Agents

Agents that choose to be independent are not required to write business for one company and that allows them to write policies with lots of companies and get you the best rates possible. If your premiums go up, they simply move the coverage in-house and the insured can keep the same agent. If you need lower rates, we recommend you include rate quotes from at a minimum one independent agency for the best price selection. Most also write with mutual insurance companies that may provide cheaper insurance rates.

Shown below is a list of independent insurance agencies in Milwaukee that can give you comparison quotes.

• B and J Insurance Agency, Inc.
  4234 N 76th St – Milwaukee, WI 53222 – (414) 461-4120 – View Map
• Kirchen Insurance
  2255 W Good Hope Rd – Milwaukee, WI 53209 – (414) 352-5750 – View Map
• Dominguez Insurance Agency
  2016 W Howard Ave – Milwaukee, WI 53221 – (414) 282-5955 – View Map

More insurance agents

If you receive satisfactory answers to any questions you have and an acceptable price quote, chances are good that you have found an insurance agent that meets your needs to insure your vehicles.

The ad said I’d save $451 a year!

Popular auto insurance providers such as State Farm, Allstate and GEICO continually stream ads on television and other media. They all seem to advertise the message about savings if you switch your auto insurance policy to them. It sounds good, but how can they all claim to save you money? Here is the trick they use.

Companies can use profiling for the type of driver that earns them the highest profit. A good example of a profitable risk profile might have to be over the age of 45, has no driving citations, and drives less than 7,500 miles a year. Any driver who fits those characteristics will get low car insurance rates and will save quite a bit of money when switching.

Potential insureds who do not meet these criteria will be quoted a higher rate and this results in business not being written. The ads say “drivers who switch” not “everyone that quotes” save that much. This is how insurance companies can make claims that they all have the best car insurance rates. Because every company is different, you absolutely need to get a wide range of price quotes. Because you never know the company that will give you lower rates than your current company.

The best insurance company isn’t always the cheapest

When buying insurance coverage, it’s not a good idea to skimp on coverage in order to save money. There have been many situations where an accident victim reduced liability limits or collision coverage and learned later that their decision to reduce coverage ended up costing them more. Your goal should be to get the best coverage possible at the best price, not the least amount of coverage.

Some insurance providers may not offer price quotes online and these small, regional companies sell through independent insurance agents. Affordable Ford Taurus insurance in Milwaukee is available both online and with local Milwaukee insurance agents, and you should be comparing both to have the best rate selection.

Drivers who switch companies do it for many reasons like lack of trust in their agent, delays in paying claims, not issuing a premium refund and even delays in responding to claim requests. Regardless of your reason, finding a new company is easier than you think.

Additional car insurance information can be found on the following sites:

• Prepare your Teens for Safe Driving (InsureUonline.org)
• Who Has Affordable Auto Insurance for a Kia Optima in Milwaukee? (FAQ)
• Who Has Cheap Milwaukee Car Insurance Rates for High Risk Drivers? (FAQ)
• How Much is Milwaukee Auto Insurance for Low Mileage Drivers? (FAQ)
• Who Has Cheap Auto Insurance Quotes for a Honda Accord in Milwaukee? (FAQ)
• Who Has Affordable Milwaukee Auto Insurance for State Employees? (FAQ)
• What Car Insurance is Cheapest for a Subaru Forester in Milwaukee? (FAQ)
• Avoiding Deer Collisions (Insurance Information Institute)
• New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
• Auto Insurance Learning Center (State Farm)