Liability Sample Quote For A 2015 FORD TAURUS. Do you ever wonder how much others are paying for their car insurance? Rates vary from one person to the other, but take a look at what one person could be paying for a 2015 FORD TAURUS in this Liability Sample Quote.
Insuring a 2015 Ford Taurus with liability-only coverage involves several factors that influence premium costs, including driver demographics, location, driving history, and selected coverage limits. Here’s an overview to guide you:
Average Insurance Costs:
Liability-Only Coverage: On average, liability-only insurance for a 2015 Ford Taurus costs approximately $80 per month, or $960 annually. Compare.com
Full Coverage: For comprehensive and collision coverage, the average premium is around $151 per month, totaling $1,812 annually. Compare.com
Factors Influencing Premiums:
Driver’s Age: Younger drivers typically face higher premiums due to increased risk factors.
Driving Record: A clean driving history can lead to lower rates, while violations or accidents may increase costs.
Location: Urban areas with higher traffic density and theft rates can result in increased premiums.
Credit History: In many states, including South Carolina, insurers consider credit scores when determining rates.
Coverage Limits: Higher liability limits provide greater protection but come with increased premiums.
Sample Liability Quote:
For a 35-year-old driver in Simpsonville, South Carolina, with a clean driving record and good credit, the estimated monthly premium for liability-only coverage on a 2015 Ford Taurus is approximately $75–$85. This estimate is based on average rates and may vary depending on the insurance provider and specific circumstances.
Liability Sample Quote: Rating Factors
Coverages and Other Factors
Coverage Type: Liability
Number of Vehicles on Policy: 1
Year/Make/Model: 2015 FORD TAURUS
Ownership Status: Own
Roadside/Towing: Yes
Rental Coverage: No
More Auto Coverage Details
Insurance Company: Progressive
Liability Limits: $25,000 each person $50,000 each accident $25,000 Property Damage
Uninsured Motorist: 25/50/25
Underinsured Motorist: Rejected
Medical Payments: Rejected
Comprehensive/Collison Deductible: Only Comp – $100 deductible
In some states, it IS permissible to reject uninsured motorist coverage.
Liability Sample Quote: Insurance Rate Factors
State: South Carolina
Gender: Male
Age Group: 40s
Legal Marital Status: Married
Prior Insurance: No
Violations: Yes
SR-22: No
Discounts Applied to this Liability Sample Quote:
Education Discount
Paid-in-Full
Paperless Discount
Multi-Vehicle Discount
Automatic Payments
Driving App
Bundle/Multi-Policy Discount
Homeowner
Continuous Insurance
5-Year-Accident-Free: Good Driver Discount
Additional Notes: This person has a good driving record! His spouse is excluded from the policy.
Disclaimer: The purpose of this page is to showcase an estimate of what insurance may cost an individual with these products and/or circumstances. This is based on a real Liability sample quote.
Why Would a Person Exclude Their Spouse from their Policy?
There could be several reasons why someone might want to exclude their spouse from their car insurance policy:
Driving Record: If one spouse has a poor driving record with multiple accidents or traffic violations, it could significantly increase the cost of the car insurance policy. By excluding the high-risk driver, the policyholder may be able to secure a more affordable rate.
Separate Vehicles: If each spouse has their own vehicle, they may choose to maintain separate insurance policies to reflect their individual driving habits and preferences. This can be particularly common when each spouse has a different level of coverage or uses their vehicle for different purposes.
Financial Reasons: Sometimes, one spouse may have a much higher income or more assets at risk in the event of a car accident. In such cases, excluding the lower-earning spouse from the policy can protect the assets of the higher-earning spouse.
Licensing Issues: If one spouse doesn’t have a valid driver’s license, they cannot be added to the car insurance policy as a driver. This might lead to their exclusion.
Personal Preferences: Personal preferences and relationships can also play a role. Some couples may prefer to keep their financial matters separate and may choose to exclude their spouse from their policy for privacy or other reasons.
It’s important to note that insurance laws and regulations can vary by location, and not all insurance companies allow for the exclusion of a spouse from a policy. Additionally, excluding a spouse from a policy should be done in compliance with the laws and regulations in your area, and it’s essential to understand the potential implications and risks involved in doing so. It’s always a good practice to consult with an insurance agent or legal professional before making any changes to your insurance policy.
6-Month Premium:
$ 1,092.00
Monthly Installments:
$350.87
Curious to see what YOUR quote would be? Click here to fill out an online form to receive a estimate or give us a call at 888-445-2793.
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