Save on 2006 Ford Focus Car Insurance Cost

Searching for better insurance coverage rates? Consumers have many options when looking for the lowest priced Ford Focus insurance. You can either waste hours calling around to compare prices or utilize the internet to make rate comparisons.

There are both good and bad ways to buy insurance coverage so you’re going to learn the proper way to get price quotes for a new or used Ford and obtain the cheapest rates either online or from local insurance agents.

It’s important to shop coverage around on a regular basis because insurance rates are rarely the same from one policy term to another. Even if you think you had the lowest price for Focus coverage on your last policy you can probably find a lower rate today. So just forget all the misinformation about insurance coverage because you’re about to learn the things you must know in order to lower your annual insurance bill.

If you have a policy now or are shopping for new coverage, you can use these tips to get lower rates and possibly find even better coverage. This article will let you in on how to effectively get price quotes and some money-saving tips. Vehicle owners only need an understanding of the best way to shop their coverage around on the web.

Discounts are great for lower rates

Insuring your vehicles can cost a lot, but you can get discounts that can drop the cost substantially. Certain discounts will be applied when you purchase, but a few need to be asked about prior to getting the savings. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.

  • Student in College – Any of your kids who live away from home and do not have a car may be able to be covered for less.
  • No Charge for an Accident – A few companies allow you one accident without raising rates as long as you don’t have any claims prior to the accident.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts can receive discounts of up to 25% or more.
  • Federal Government Employee – Being employed by or retired from a federal job can earn a discount up to 10% for Focus coverage with select insurance companies.
  • Own a Home – Being a homeowner may earn you a small savings because maintaining a house is proof that your finances are in order.
  • Defensive Driving Course – Taking a course teaching defensive driving skills could cut 5% off your bill if your company offers it.
  • Life Insurance Discount – Larger companies have lower rates if you buy a life insurance policy as well.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use a seat belt can save 10% or more off your medical payments premium.

A little note about advertised discounts, most discount credits are not given to the entire policy premium. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. So when the math indicates you could get a free car insurance policy, companies wouldn’t make money that way. Any qualifying discounts will reduce your overall premium however.

For a list of providers offering car insurance discounts, follow this link.

How to Compare Insurance Coverage

There are a lot of ways to shop for insurance coverage, and some are less time-consuming than others. You can waste a few hours (or days) talking about coverages with local insurance agents in your area, or you can utilize the web for quick rates.

Many companies enroll in a system that enables customers to submit one quote, and at least one company then returns a price quote for coverage. This eliminates the need for quotation requests to each individual insurance coverage company.

To compare pricing click here to open in new window.

The one downside to comparing rates this way is you are unable to specify which insurance companies you want to price. So if you prefer to choose from a list of companies to request quotes from, we have a listing of insurance coverage companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but make absolute certain that you use the exact same coverage limits with every price quote. If you compare higher or lower deductibles then you won’t be able to decipher which rate is best.

You may need specialized coverage

When choosing adequate coverage, there isn’t really a “perfect” insurance plan. Every situation is different.

Here are some questions about coverages that can help discover whether you may require specific advice.

  • If my 2006 Ford Focus is totaled, can I afford another vehicle?
  • Is a new car covered when I drive it off the dealer lot?
  • What should my uninsured motorist coverage limits be in my state?
  • Is there coverage for injuries to my pets?
  • What is the ISO rating for a 2006 Ford Focus?
  • Am I covered by my spouse’s policy after a separation?
  • Does my 2006 Ford Focus need full coverage?
  • Am I covered if I hit a deer?
  • Where can I get insurance after a DUI in my state?
  • Do I have coverage if my license is suspended?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and can help protect your family.

Specific coverages for a 2006 Ford Focus

Learning about specific coverages of auto insurance can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Liability

This provides protection from damage or injury you incur to a person or their property in an accident. It protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims like medical services, repair costs for stationary objects, pain and suffering and attorney fees. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your 2006 Ford Focus.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually the UM/UIM limits are similar to your liability insurance amounts.

Medical expense coverage

Med pay and PIP coverage provide coverage for bills such as chiropractic care, pain medications, prosthetic devices and nursing services. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage

Comprehensive protection

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as rock chips in glass, hitting a bird, a broken windshield and damage from flooding. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision insurance

This will pay to fix damage to your Focus from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like damaging your car on a curb, hitting a parking meter and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Another option is to raise the deductible to bring the cost down.

One last thing about your coverage

Low-cost 2006 Ford Focus insurance can be purchased on the web and with local insurance agents, and you should compare price quotes from both to have the best rate selection. Some insurance companies do not offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

People change insurance companies for a number of reasons such as poor customer service, unfair underwriting practices, extreme rates for teen drivers or even high prices. No matter why you want to switch, choosing a new insurance company is pretty easy and you might even save some money in the process.

We covered many ideas to compare insurance prices online. The key concept to understand is the more companies you get rates for, the better chance you’ll have of finding lower rates. Consumers may even find the lowest premiums are with a company that doesn’t do a lot of advertising.

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