Compare 2003 Ford Focus Insurance Quotes

Searching for the cheapest car insurance rates? Consumers have many options when looking for the lowest priced Ford Focus insurance. You can either waste hours calling around to get rate comparisons or utilize the internet to compare rates. There is a right way and a wrong way to shop for car insurance so you’re going to learn the proper way to price shop coverage on a Ford and obtain the cheapest rates.

If you have a current insurance coverage policy or are shopping for new coverage, you can use this information to reduce the price you pay while maximizing coverage. This information will help educate you on how car insurance quotes work and some money-saving tips. Vehicle owners only need to know how to shop online.

Low Cost Insurance

Most companies like Allstate, Geico and Progressive allow you to get coverage price quotes directly from their websites. Getting quotes is fairly straightforward as you just type in the coverage amounts you desire as detailed in the form. Once entered, their rating system gets your credit score and driving record and quotes a price based on these and other factors.

Being able to quote online streamlines rate comparisons, but the time it takes to visit many different websites and type in the same information can get tiresome after awhile. Unfortunately, it is important to perform this step if you are searching for a lower rate.

A less time-consuming method to locate the lowest prices utilizes a single form to get prices from a bunch of companies at once. This type of form saves time, requires much less work on your part, and makes price shopping online much more enjoyable. After your information is entered, it is quoted and you can select any of the price quotes you receive. If you find a better price you can simply submit the application and purchase coverage. The entire process takes 15 minutes at the most and may result in a nice savings.

In order to get comparison pricing now, click here and submit your coverage information. If you have a policy now, it’s recommended you replicate the limits and deductibles exactly as shown on your declarations page. Doing this guarantees you will have a rate comparison for the exact same coverage.

Save big with these discounts

Companies offering auto insurance don’t necessarily list all their discounts in an easy-to-find place, so here is a list some of the best known and the more hidden ways to save on insurance. If they aren’t giving you every credit available, you are throwing money away.

  • Homeowners Pay Less – Owning a home may earn you a small savings because owning a home requires personal responsibility.
  • Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts of more than 20%.
  • Safe Driver Discount – Drivers who don’t get into accidents may receive a discount up to 45% less on Focus coverage than less cautious drivers.
  • Government Employees – Employees or retirees of the government can earn a discount up to 10% on Focus coverage with select insurance companies.
  • Payment Method – If paying your policy premium upfront instead of monthly or quarterly installments you may reduce your total bill.
  • Early Switch Discount – Select companies give a discount for signing up before your current policy expires. It’s a savings of about 10%.
  • No Charge for an Accident – Some insurance companies permit an accident before your rates go up as long as you don’t have any claims for a certain period of time.

It’s important to understand that most credits do not apply to the overall cost of the policy. A few only apply to individual premiums such as physical damage coverage or medical payments. So when it seems like all the discounts add up to a free policy, companies wouldn’t make money that way.

Companies that may have some of the above discounts are:

It’s a good idea to ask each company which discounts they offer. Some discounts may not apply in your area.

But I don’t know anything about car insurance

When it comes to buying the right insurance coverage for your vehicles, there really is no one size fits all plan. Each situation is unique.

These are some specific questions can help discover if you will benefit from professional help.

  • Are there companies who specialize in insuring high-risk drivers?
  • Do I really need UM/UIM coverage?
  • Will I lose any money if I cancel my policy before it expires?
  • Is my babysitter covered when using my vehicle?
  • Is pleasure use cheaper than using my 2003 Ford Focus to commute?
  • Who is covered when they drive my 2003 Ford Focus?

If you don’t know the answers to these questions but one or more may apply to you, 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 can provide invaluable advice.

Coverages available on your auto insurance policy

Having a good grasp of a auto insurance policy can help you determine the right coverages at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and coverage can change by endorsement.

Comprehensive auto insurance – Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like falling objects, rock chips in glass, a broken windshield, a tree branch falling on your vehicle and vandalism. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your 2003 Ford Focus.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Collision coverages – This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things such as crashing into a ditch, colliding with another moving vehicle, sustaining damage from a pot hole, hitting a parking meter and damaging your car on a curb. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to bump up the deductible to bring the cost down.

Liability insurance – Liability coverage provides protection from injuries or damage you cause to other’s property or people that is your fault. This insurance protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for claims such as medical services, court costs, loss of income and repair bills for other people’s vehicles. How much coverage you buy is your choice, but you should buy higher limits if possible.

Coverage for medical expenses – Coverage for medical payments and/or PIP pay for bills for pain medications, dental work, chiropractic care and surgery. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Be Smart and Buy Smart

People change insurance companies for a number of reasons such as delays in responding to claim requests, denial of a claim, delays in paying claims and even policy cancellation. No matter why you want to switch, finding a great new company is not as difficult as it may seem.

Budget-conscious 2003 Ford Focus insurance can be purchased from both online companies in addition to many insurance agents, and you need to comparison shop both in order to have the best chance of saving money. A few companies do not provide the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

We just presented a lot of tips how to reduce insurance prices online. The most important thing to understand is the more you quote, the more likely it is that you will get a better rate. You may even find the most savings is with some of the lesser-known companies.

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