Save on 2007 Ford Focus Car Insurance Rates

Looking for the cheapest insurance rates for your Ford Focus? Are you tired of scraping the payment together to pay your car insurance bill each month? Your situation is no different than millions of other consumers.

Big-name insurance companies like State Farm, Progressive and Geico all claim big savings with fancy advertisements and consumers find it hard to ignore the propoganda and effectively compare rates to find the best deal.

If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using these tips. Finding affordable coverage is not that difficult. But consumers can benefit by having an understanding of the way insurance companies compete online because it can help you find the best coverage.

How to Compare Car Insurance Quotes

To find the best car insurance prices, there are several ways of comparing rate quotes from different insurance companies. The fastest way to find the lowest 2007 Ford Focus rates is to perform an online rate comparison. It is quite easy and can be accomplished in a couple of different ways.

  1. The easiest and least time consuming way consumers can make multiple comparisons is to use a rate comparison form (click to open form in new window). This easy form eliminates the need for separate quotes for each company. One form submission gets rate comparisons instantly.
  2. A different way to obtain and compare quotes online consists of visiting each company’s website and complete a new quote form. For instance, we’ll assume you want rates from Liberty Mutual, Farmers and State Farm. To get each rate you have to spend time on each company’s site and enter your information, which is why the first method is more popular.

    To view a list of companies in your area, click here.

It’s up to you how you get prices quotes, just make darn sure you compare identical information on every quote. If you have differing limits it’s not possible to decipher which rate is best. Slightly different limits can make a big difference in price. And when price shopping your coverage, having more price comparisons helps locate lower pricing.

Save on 2007 Ford Focus insurance

Companies offering auto insurance don’t always list every available discount in an easy-to-find place, so here is a list both well-publicized and the more hidden discounts you could be receiving.

  • Theft Prevention System – Cars that have factory anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Good Student – This discount can earn a discount of 20% or more. The discount lasts until age 25.
  • Sign Online – Certain companies give back up to $50 for buying a policy and signing up on their website.
  • Homeowners Savings – Owning a home may earn you a small savings because of the fact that having a home requires personal responsibility.
  • Discount for Swiching Early – Some insurance companies reward drivers for buying a policy before your current expiration date. The savings is around 10%.
  • Service Members Pay Less – Having a family member in the military could be rewarded with lower premiums.
  • Seat Belts Save – Using a seat belt and requiring all passengers to use a seat belt could cut 10% or more off the personal injury premium cost.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to take driver’s ed class if offered at their school.
  • Multi-car Discount – Insuring more than one vehicle on one policy may reduce the rate for each vehicle.
  • Accident Forgiveness – Some insurance companies will allow you to have one accident before your rates go up if you are claim-free for a certain period of time.

It’s important to note that many deductions do not apply to your bottom line cost. Some only reduce specific coverage prices like liability, collision or medical payments. So when the math indicates having all the discounts means you get insurance for free, companies wouldn’t make money that way.

For a list of insurance companies with discount insurance coverage rates, click here to view.

Your Ford Focus insurance rate is a complex equation

Consumers need to have an understanding of the factors that go into determining auto insurance rates. Knowing what influences your rates helps enable you to make changes that can help you get big savings.

  • Too many auto insurance claims drive up costs – If you are a frequent claim filer, you can expect either policy cancellation or increased premiums. Insurance companies award lower rates to insureds who are claim-free. Your insurance policy is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Low deductibles can be expensive – The deductibles define the amount you are willing to pay out-of-pocket before a claim is paid by your company. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Examples of covered claims would be running into the backend of another car, damage from fire, or theft. The more money you’re willing to pay, the bigger discount you will receive for Focus coverage.
  • Theft deterrents lower rates – Purchasing a vehicle with an alarm system can help bring down rates. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping auto theft.
  • Liability coverage is peace of mind – The liability section of your policy is the coverage that protects you if you are found to be at fault for damages caused by your negligence. Liability provides for a legal defense starting from day one. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not cut corners here.
  • Sex matters – The statistics show that women are safer drivers than men. Now that doesn’t mean men are worse drivers. Men and women have accidents in similar numbers, but men tend to have more serious accidents. Men also receive more costly citations like reckless driving and DUI.
  • Lower rates come with age – Teen drivers have a tendency to be careless and easily distracted when driving so auto insurance rates are higher. Adding a youthful driver to your auto insurance policy can really hurt. More mature drivers are more cautious drivers, tend to cause fewer accidents and receive fewer citations.

Tailor your coverage to you

When buying the right insurance coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s situation is unique and your policy should reflect that. For example, these questions can aid in determining if you might need professional guidance.

  • What is UM/UIM insurance?
  • Should I buy only the required minimum liability coverage?
  • Should I drop comprehensive coverage on older vehicles?
  • Do I have newly-aquired coverage?
  • Am I missing any policy discounts?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What happens if I owe more than my 2007 Ford Focus is worth?
  • How much underlying liability do I need for an umbrella policy?
  • What is medical payments coverage?
  • Is my teen driver covered when they drive my company car?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Insurance policy coverages for a 2007 Ford Focus

Learning about specific coverages of your policy aids in choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are the usual coverages found on the average insurance policy.

Coverage for collisions

This pays for damage to your Focus from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like damaging your car on a curb, backing into a parked car and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Liability coverages

Liability coverage protects you from injuries or damage you cause to other’s property or people by causing an accident. It protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims such as funeral expenses, legal defense fees and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive coverage

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as hitting a deer, vandalism, hail damage, falling objects and damage from a tornado or hurricane. The maximum payout your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like hospital visits, funeral costs, doctor visits and chiropractic care. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

You can do this!

When trying to cut insurance costs, it’s not a good idea to skimp on critical coverages to save a buck or two. In too many instances, consumers will sacrifice liability coverage limits only to discover later that the savings was not a smart move. The ultimate goal is to buy enough coverage for the lowest price while not skimping on critical coverages.

Budget-conscious 2007 Ford Focus insurance is definitely available on the web and with local insurance agents, and you should be comparing both to have the best selection. Some companies do not offer online price quotes and these regional insurance providers work with independent agents.

Throughout this article, we presented some good ideas how to get a better price on insurance. The most important thing to understand is the more you quote, the higher the chance of saving money. You may even discover the lowest rates come from some of the smallest insurance companies. Smaller companies may have significantly lower rates on certain market segments as compared to the big name companies such as State Farm, Geico and Nationwide.

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