2001 Ford Focus Insurance Rates – 6 Discounts for Best Quotes

Shoppers have many options when shopping for affordable Ford Focus insurance. You can either waste hours contacting agents getting price quotes or utilize the internet to get rate quotes.

There are more efficient ways to buy car insurance and we’ll show you the quickest way to quote coverages for a Ford and obtain the cheapest rates from both online companies and local agents.

How to Compare Car Insurance

There are several ways to compare Ford Focus car insurance quotes, but some are less labor-intensive and much quicker. You could spend the better part of a day talking about coverages with insurance companies in your area, or you could save time and use the internet to get prices fast.

Many of the larger companies participate in a marketplace that enables customers to enter their policy data once, and each participating company returns a rated price based on that information. This eliminates the need for form submissions to each company.

To submit your quote information now, click here to open in new window.

The single downside to doing it this way is you are unable to specify the insurers you want to price. If you prefer to choose specific insurance companies to compare, we put together a list of low cost car insurance companies in your area. Click here to view list.

Whichever way you use, be sure to compare apples-to-apples coverages and limits with every price quote. If your comparisons have unequal deductibles or liability limits you can’t possibly make an equal comparison.

These six discounts can slash insurance coverage rates

Insuring your fleet can be pricey, but there are discounts available that you may not even be aware of. A few discounts will automatically apply when you get a quote, but a few must be specifically requested before they will apply. If they aren’t giving you every credit available, you’re just leaving money on the table.

  • Bundle and Save – When you have multiple policies with one insurance company you will save at least 10% off all policies.
  • Multi-car Discount – Having more than one vehicle on one policy may reduce the rate for each vehicle.
  • Student in College – Youth drivers who are attending college without a vehicle on campus can be insured at a reduced rate.
  • Paperwork-free – Some insurance companies give back up to $50 for buying a policy and signing up on their website.
  • Save with a New Car – Buying coverage on a new vehicle can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts can qualify for discounts up to 30%.

A little note about advertised discounts, some credits don’t apply the the whole policy. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like it’s possible to get free car insurance, you’re out of luck. But all discounts will cut your premiums.

Companies who might offer these discounts include:

Double check with each insurance company how you can save money. Discounts might not be offered everywhere.

When might I need the advice of an agent?

When it comes to choosing coverage for your personal vehicles, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs.

For example, these questions could help you determine if your situation might need professional guidance.

  • What companies insure drivers after a DUI or DWI?
  • Are my friends covered when driving my car?
  • What are the financial responsibility laws in my state?
  • How high should my medical payments coverage be?
  • I have health insurance so do I need medical payments coverage?
  • What should my uninsured motorist coverage limits be in my state?
  • Am I covered when delivering products for my home-based business?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Car insurance 101

Learning about specific coverages of a insurance policy aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be confusing and reading a policy is terribly boring.

Comprehensive coverage – This will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like a broken windshield, falling objects, hitting a bird and damage from a tornado or hurricane. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like nursing services, doctor visits and prosthetic devices. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible

Collision coverages – Collision insurance covers damage to your Focus caused by collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims like sustaining damage from a pot hole, backing into a parked car, crashing into a ditch, scraping a guard rail and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage – This provides protection from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Ford Focus.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these limits do not exceed the liability coverage limits.

Auto liability insurance – Liability coverage can cover injuries or damage you cause to other’s property or people by causing an accident. It protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Some companies may use a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as medical services, emergency aid, funeral expenses and structural damage. How much liability coverage do you need? That is a personal decision, but buy higher limits if possible.

In Summary

As you go through the steps to switch your coverage, it’s very important that you do not buy less coverage just to save a little money. There are a lot of situations where an insured dropped physical damage coverage and found out when filing a claim that it was a big mistake. Your focus should be to find the BEST coverage for the lowest price while not skimping on critical coverages.

People who switch companies do it for any number of reasons including an unsatisfactory settlement offer, policy cancellation, denial of a claim and even questionable increases in premium. Regardless of your reason, choosing a new insurance company can be pretty painless.

In this article, we covered many ideas to compare 2001 Ford Focus insurance prices online. The key concept to understand is the more providers you compare, the better your chances of lowering your rates. You may even find the biggest savings come from the least-expected company.

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