Lower Your 2004 Ford Focus Insurance Rates

Looking for lower auto insurance rates? Shoppers have a choice when shopping for affordable Ford Focus insurance. You can either spend your time calling around to compare prices or use the internet to make rate comparisons. There are both good and bad ways to buy auto insurance and we’ll show you the proper way to compare rates for a new or used Ford and find the lowest possible price either online or from local insurance agents.

It’s smart to get comparison quotes periodically due to the fact that insurance rates change frequently. Even if you got the lowest price for Focus coverage last year there may be better deals available now. Block out anything you think you know about auto insurance because you’re about to find out the fastest way to find better coverage at a better price.

If you have a current car insurance policy or are shopping for new coverage, you can follow these tips to get lower rates while maintaining coverages. The purpose of this post is to help you learn how to effectively get price quotes and some tricks to saving. Drivers just need to know how to compare price quotes online.

Comprehensive Insurance Coverage Comparison Quotes

All the larger insurance coverage companies like Allstate and Progressive give coverage prices on the web. Getting online rates is pretty painless as you simply enter the amount of coverage you want into a form. After the form is submitted, the company’s rating system gets your credit score and driving record and returns a price.

Quoting online makes it a lot easier to compare rates but the process of having to visit a lot of sites and type in the same information is monotonous and tiresome. Unfortunately, it is important to have as many quotes as possible in order to get the best price on insurance coverage.

The preferred way to lower your rates utilizes a single form to return rates from a lot of companies. It’s a real time-saver, requires less work, and makes rate comparisons much simpler. Once the form is submitted, your coverage is rated and you can select any or none of the price quotes you receive. If you find a better price you simply finish the application and purchase the new policy. It takes less than 15 minutes and you will know how your current rates stack up.

To get comparison pricing now, click here to open in a new tab and submit your coverage information. To compare your current rates, we recommend you copy the coverage information as close as possible to your current policy. Doing this guarantees you will receive comparison quotes for the exact same coverage.

Take discounts and save

Auto insurance companies don’t list every discount in a way that’s easy to find, so we break down some of the best known and the more hidden savings tricks you should be using. If you aren’t receiving every discount you qualify for, you are paying more than you should be.

• Safe Drivers – Safe drivers can get discounts for up to 45% lower rates for Focus coverage than drivers with accident claims.
• Multi-car Discount – Buying coverage for more than one vehicle on one policy may reduce the rate for each vehicle.
• Resident Student – Any of your kids living away from home attending college and do not have access to a covered vehicle can receive lower rates.
• Paperwork-free – A handful of insurance companies give back up to $50 simply for signing digitally online.
• Accident Waiver – A few companies will forgive one accident before raising your premiums if your claims history is clear for a set time period.
• Use Seat Belts – Requiring all passengers to buckle their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
• Own a Home – Owning a house may earn you a small savings due to the fact that maintaining a home shows financial diligence.
• Memberships – Affiliation with a qualifying organization is a good way to get lower rates on insurance coverage for Focus coverage.
• Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in school.
• Good Students Pay Less – This discount can save 20 to 25%. The good student discount can last until age 25.

Keep in mind that some credits don’t apply the the whole policy. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like you would end up receiving a 100% discount, it doesn’t quite work that way.

For a list of insurers offering insurance coverage discounts, click here to view.

Which policy gives me the best coverage?

When choosing the right insurance coverage, there really is not a “best” method to buy coverage. Everyone’s needs are different.

For instance, these questions may help highlight if you would benefit from professional advice.

• Are my friends covered when driving my 2004 Ford Focus?
• Should I carry comprehensive and collision coverage?
• Is upholstery damage covered by car insurance?
• Are rock chip repairs covered?
• What discounts do I qualify for?
• Can my babysitter drive my car?
• Is business equipment covered while in my vehicle?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.

Insurance policy specifics

Learning about specific coverages of your insurance policy can help you determine which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Collision coverage – This coverage covers damage to your Focus resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like hitting a mailbox, sustaining damage from a pot hole and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Medical costs insurance – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as pain medications, ambulance fees and doctor visits. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states and may carry a deductible

Comprehensive or Other Than Collision – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as fire damage, damage from a tornado or hurricane, hitting a bird and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Coverage for liability – This will cover damage or injury you incur to a person or their property. This coverage protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims like loss of income, legal defense fees, court costs and bail bonds. How much liability should you purchase? That is up to you, but consider buying as high a limit as you can afford.