Cheap 2008 Ford Focus Insurance Quotes

Want better car insurance rates for your Ford Focus? Searching for cheap car insurance over the internet can be rather challenging for consumers new to comparison shopping online. With a ridiculous number of online companies, how can drivers possibly compare them all to find the cheapest available price?

Comprehensive Car Insurance Comparison

The are a couple different ways to compare quotes from different insurance companies. The easiest way by far to find the cheapest 2008 Ford Focus insurance rates is simply to get online rate quotes. This is very easy and can be done using a couple different methods.

  • The first (and easiest) way to find the lowest comparison rates would be an industry-wide quote request form click to view form in new window. This type of form keeps you from doing separate forms for each company you want a rate for. A single, simple form will get you rate comparisons direct from many companies. It’s definitely the quickest method.
  • Another way to get comparison quotes is spending the time to visit each individual company website and fill out their own quote form. For sake of this example, let’s say you want comparison quotes from State Farm, Esurance and American Family. To get each rate you have to visit each site to input your insurance information, and that’s why the first method is more popular. For a list of links to insurance companies in your area, click here.

However you get your quotes, compare apples-to-apples coverage limits for each comparison quote. If each company quotes different values for each quote it will be next to impossible to determine the lowest rate for your Ford Focus. Quoting even small variations in coverage limits can result in a big premium difference. And when quoting car insurance, remember that having more price comparisons provides better odds of finding the best offered rates.

Don’t be fooled by advertising claims

Progressive, Geico, Allstate and State Farm regularly use ads on television and other media. All the companies make an identical promise about savings if you move to them. But how can every company claim to save you money? This is how they do it.

Insurance companies can use profiling for the type of customer that makes them money. An example of a preferred risk might be profiled as a mature driver, is a homeowner, and drives less than 7,500 miles a year. A customer getting a price quote that hits that “sweet spot” is entitled to the best price and therefore will save quite a bit of money when switching.

Drivers who don’t measure up to this ideal profile must pay more money and ends up with business going elsewhere. The ad wording is “customers who switch” not “everybody who quotes” save that much money. That’s the way insurance companies can confidently state the savings.

This illustrates why drivers should quote coverage with many companies. Because you never know which car insurance company will have the lowest Ford Focus insurance rates.

Pay less for Ford Focus insurance

Insurance can cost an arm and a leg, but discounts can save money and there are some available that you may not even be aware of. A few discounts will automatically apply when you quote, but lesser-known reductions have to be specifically requested in order for you to get them.

  • Multiple Vehicles – Buying insurance for multiple vehicles on one policy qualifies for this discount.
  • Senior Discount – If you qualify as a senior citizen, you may be able to get a discount up to 10% on Focus insurance.
  • Good Student – This discount can earn a discount of 20% or more. This discount can apply up to age 25.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes prevent accidents and qualify for as much as a 10% discount.
  • Drivers Education – Cut your cost by having your teen driver successfully complete driver’s ed class if it’s offered in school.
  • Organization Discounts – Affiliation with a qualifying organization may earn a discount when shopping for auto insurance on Focus insurance.
  • Safe Driver Discount – Drivers who avoid accidents may save up to 50% more on Focus insurance than drivers with accident claims.
  • Accident Waiver – Some insurance companies permit an accident before raising your premiums if your claims history is clear for a certain period of time.
  • Early Switch Discount – Select companies give a discount for buying a policy prior to your current policy expiring. It’s a savings of about 10%.
  • Bundle and Save – If you have multiple policies with one company you may earn approximately 10% to 15%.

As a disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. Most only cut the price of certain insurance coverages like medical payments or collision. So when it seems like adding up those discounts means a free policy, companies wouldn’t make money that way. Any qualifying discounts will bring down your premiums.

Car insurance companies that may offer these discounts are:

Check with every prospective company which discounts you may be entitled to. Savings might not apply in every state.

Tailor your coverage to you

When buying adequate coverage for your vehicles, there really is not a “best” method to buy coverage. Everyone’s needs are different.

These are some specific questions can aid in determining if your situation will benefit from professional help.

  • Which is better, split liability limits or combined limits?
  • Does my insurance cover my expensive audio equipment?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Do I have coverage when making deliveries for my home business?
  • What if I owe more than I can insure my car for?
  • Am I covered if hit by an uninsured driver?
  • Do I pay less if my vehicle is kept in my garage?
  • Why does it cost so much to insure a teen driver?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and complete this form.

Specifics of your car insurance policy

Understanding the coverages of car insurance helps when choosing the right coverages and the correct deductibles and limits. Car insurance terms can be confusing and even agents have difficulty translating policy wording.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Liability car insurance

Liability coverage provides protection from damages or injuries you inflict on other’s property or people that is your fault. This coverage protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as bail bonds, legal defense fees, medical expenses and funeral expenses. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.

Auto collision coverage

Collision insurance will pay to fix damage to your Focus resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like crashing into a building, sideswiping another vehicle, hitting a parking meter, damaging your car on a curb and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also choose a higher deductible in order to get cheaper collision rates.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like surgery, rehabilitation expenses, ambulance fees, doctor visits and chiropractic care. They are often used to fill the gap from your health insurance program or if you do not have health coverage. They cover both the driver and occupants in addition to being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive car insurance

Comprehensive insurance 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 insurance covers things such as a broken windshield, hail damage and a tree branch falling on your vehicle. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Shop. Compare. Save.

We just covered a lot of ways to reduce 2008 Ford Focus insurance prices online. The most important thing to understand is the more quotes you get, the higher your chance of finding lower rates. Consumers may even find the best price on car insurance is with an unexpected company.

Discount insurance can be bought on the web in addition to many insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some car insurance companies do not provide online price quotes and these smaller companies work with independent agents.

As you restructure your insurance plan, make sure you don’t reduce coverage to reduce premium. In too many instances, an accident victim reduced collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy enough coverage at an affordable rate, not the least amount of coverage.

Additional car insurance information can be read at the links below