Cheaper 2009 Ford Focus Insurance Rates

Looking for better insurance rates for your Ford Focus? Finding better insurance prices for your Ford Focus can normally be an all-consuming task, but you can follow our insurance buying tips to find lower rates.

There is a right way and a wrong way to compare insurance rates and we’ll show you the proper way to get price quotes for your Ford and find the best price possible.

Smart consumers take time to shop coverage around before your policy renews since rates tend to go up over time. Even if you think you had the best price for Focus coverage on your last policy you will most likely find a better rate today. So block out anything you think you know about insurance because we’re going to show you how to quote online to find better rates and still maintain coverage.

How to Compare Insurance Rates

Performing a rate comparison can be exhausting if you don’t utilize the most efficient way to do it. You could waste time talking to insurance companies in your area, or you can stay home and use online quotes to get pricing more quickly.

Many companies enroll in a system where prospective buyers only type in their quote data once, and each company returns a competitive quote for coverage. This eliminates the need for repetitive form submissions to each company.

To compare 2009 Ford Focus rates using this form now click here (opens in new window).

The only downside to getting quotes like this is buyers cannot specifically choose which insurance companies you want to price. If you prefer to choose individual companies to compare rates, we put together a list of companies who write insurance in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but make absolute certain that you use identical information for each price quote. If your comparisons have mixed coverages it’s not possible to determine which rate is truly the best.

Don’t overlook these discounts

Properly insuring your vehicles can get expensive, but there could be available discounts that you may not know about. Larger premium reductions will be automatically applied at the time of quoting, but some must be asked about before they will apply. If you don’t get every credit available, you are paying more than you should be.

  • Lower Rates for Military – Being deployed with a military unit may qualify for rate reductions.
  • Seat Belts Save – Using a seat belt and requiring all passengers to use their safety belts can save up to 15% off your PIP or medical payments premium.
  • Defensive Driver – Completing a driver safety course could save 5% or more if your company offers it.
  • Club Memberships – Being a member of a civic or occupational organization could trigger savings when buying insurance coverage for Focus coverage.
  • Air Bag Discount – Cars that have air bags can qualify for discounts of up to 25% or more.

Drivers should understand that many deductions do not apply to the overall cost of the policy. Some only reduce individual premiums such as medical payments or collision. So even though it sounds like all those discounts means the company will pay you, companies wouldn’t make money that way. But all discounts will reduce the cost of coverage.

Insurance companies that may have these benefits may include but are not limited to:

Before buying, ask all companies you are considering which discounts you may be entitled to. Discounts may not apply everywhere.

Why you might be paying too much to insure your Ford Focus

It’s important that you understand the different types of things that play a part in calculating car insurance rates. When you know what positively or negatively influences your rates helps enable you to make changes that may reward you with big savings.

  • More people means more accidents – Choosing to live in a rural area is a positive aspect when insuring your vehicles. Lower population means fewer accidents and a lower car theft rate. Drivers in populated areas regularly have more traffic problems and a longer drive to work. Higher commute times translates into higher accident risk.
  • Battle of the sexes – Statistics show that women are safer drivers than men. However, this does not mean women are better drivers. They both tend to get into accidents at about the same rate, but the males have costlier accidents. They also receive more costly citations like DUI and reckless driving. Teenage male drivers are the most expensive to insure and therefore are the most expensive to insure.
  • A lapse in coverage is a bad thing – Having an insurance coverage lapse is a guaranteed way to trigger a rate increase. And not only will your rates increase, failure to provide proof of insurance will get you a hefty fine and possibly a revoked license.You may then be required to file a SR-22 with your state motor vehicle department to get your license reinstated.
  • Pleasure use or commuting – The more miles you rack up on your Ford every year the higher your rates will be. The majority of insurers price each vehicle’s coverage determined by how the vehicle is used. Autos not used for work or commuting qualify for better rates than vehicles that are driven to work every day. Having the wrong rating on your Focus may be costing you. Ask your agent if your car insurance policy properly reflects how each vehicle is driven.
  • Protect your assets with liability insurance – Liability insurance is the coverage that protects you if ever a jury decides you are liable for causing damage or personal injury in an accident. It will provide for a legal defense starting from day one. This coverage is very inexpensive compared to physical damage coverage, so buy as much as you can afford.
  • Mature drivers pay less – Young drivers are statistically proven to be less responsible in a vehicle so car insurance rates are higher. Mature drivers tend to be more responsible, file fewer claims and tend to be better behind the wheel.

Is my situation unique?

When it comes to choosing proper insurance coverage, there really is no cookie cutter policy. Everyone’s needs are different.

For instance, these questions can help discover whether or not you would benefit from professional advice.

  • Is my trailer covered?
  • How does medical payments coverage work?
  • Do I need to file an SR-22 for a DUI in my state?
  • What is no-fault insurance?
  • Should I waive the damage coverage when renting a car?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Should I get collision insurance on every vehicle?
  • What vehicles should carry emergency assistance coverage?
  • What should my uninsured motorist coverage limits be in my state?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and can provide invaluable advice.

Beware of misleading auto insurance ads

Consumers can’t ignore all the ads for car insurance savings from the likes of Progressive, Geico, Allstate and State Farm. All the ads make an identical promise that you’ll save big after switching your coverage to them.

How can each company make almost identical claims?

Different companies are able to cherry pick for the right customer they prefer to insure. A good example of a driver they prefer could be between the ages of 40 and 55, owns a home, and drives less than 7,500 miles a year. A customer getting a price quote who matches those parameters gets the lowest rates and is almost guaranteed to save a lot of money.

Drivers who don’t meet this ideal profile will have to pay higher premiums and ends up with business not being written. The ads state “customers who switch” not “everyone that quotes” save that kind of money. That’s the way insurance companies can make the claims of big savings.

Because of the profiling, drivers should compare as many rates as you can. It’s impossible to know the company that will have the lowest Ford Focus insurance rates.

Coverages available on your car insurance policy

Learning about specific coverages of your policy helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Coverage for collisions

This pays for damage to your Focus from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like damaging your car on a curb, hitting a mailbox and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Comprehensive coverages

This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as hail damage, damage from flooding, hitting a bird and vandalism. The maximum 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 probably time to drop comprehensive insurance.

Liability car insurance

This coverage will cover injuries or damage you cause to a person or their property by causing an accident. It protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as repair bills for other people’s vehicles, repair costs for stationary objects and bail bonds. The amount of liability coverage you purchase is up to you, but you should buy as large an amount as possible.

Uninsured and 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. This coverage pays for hospital bills for your injuries and damage to your 2009 Ford Focus.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Usually the UM/UIM limits are similar to your liability insurance amounts.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like surgery, ambulance fees, chiropractic care, EMT expenses and prosthetic devices. They are often used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Affordable insurance is out there

You just read a lot of tips how to get a better price on 2009 Ford Focus insurance. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. You may be surprised to find that the biggest savings come from some of the lesser-known companies.

People leave their current company for any number of reasons including an unsatisfactory settlement offer, not issuing a premium refund, policy cancellation or even unfair underwriting practices. It doesn’t matter what your reason, switching insurance companies is easier than you think.

Cost effective insurance is available online in addition to many insurance agents, and you should be comparing both to have the best chance of lowering rates. Some insurance providers do not provide online quoting and most of the time these regional insurance providers sell through independent agents.

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