2010 Ford Focus Insurance Quotes

Feel like you’re a prisoner to an overpriced insurance policy? Trust us when we tell you there are many people just like you.

Big-name insurance companies like State Farm, Geico and Farmers Insurance all promote huge savings with catchy ads and it is difficult to avoid their marketing magic and find the best price available.

If you are paying for car insurance now, you will be able to reduce your rates substantially using these methods. Finding affordable coverage is not that difficult. But vehicle owners benefit from understanding the way insurance companies compete online.

How to Get Car Insurance Comparison Quotes

There are several ways to compare Ford Focus car insurance prices but some are less labor-intensive and much quicker. You can spend countless hours talking to insurance agencies in your area, or you could save time and use the internet to accomplish the same thing much quicker.

Most car insurance companies participate in an industry program where insurance shoppers submit one quote, and every company returns a rated price based on that data. This eliminates the need for quote forms to every company.

To find out how much you’re overpaying now click here to start a free quote.

The only downside to doing it this way is you are unable to specify which providers you want to price. So if you want to select specific providers to compare, we have a page of low cost car insurance companies in your area. Click here to view list.

Whichever way you use, compare the exact same coverage information for each price quote. If you have differing limits it will be next to impossible to make an equal comparison. Just a small difference in limits can mean a large discrepancy in price. Keep in mind that comparing more company’s prices helps you find better pricing.

These discounts can slash insurance rates

Companies don’t always advertise all available discounts in a way that’s easy to find, so we researched some of the best known and also the lesser-known ways to save on insurance.

  • Good Student – Performing well in school can earn a discount of 20% or more. Earning this discount can benefit you up to age 25.
  • Own a Home – Owning a house may trigger a insurance policy discount because owning a home requires personal responsibility.
  • Early Switch Discount – A few companies offer discounts for buying a policy prior to your current policy expiration. It’s a savings of about 10%.
  • No Charge for an Accident – A few companies allow you one accident before hitting you with a surcharge if you are claim-free prior to the accident.
  • Federal Employees – Active or retired federal employment may qualify you for a discount on Focus coverage depending on your company.
  • Military Discounts – Being deployed with a military unit could be rewarded with lower premiums.

It’s important to understand that some of the credits will not apply to all coverage premiums. Most only reduce individual premiums such as collision or personal injury protection. So when it seems like you would end up receiving a 100% discount, it just doesn’t work that way.

For a list of insurance companies with discount insurance rates, follow this link.

When might I need the advice of an agent?

When it comes to buying adequate coverage, there really is not a “perfect” insurance plan. Every situation is different so your insurance needs to address that. For instance, these questions can aid in determining if you could use an agent’s help.

  • Will I lose any money if I cancel my policy before it expires?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Is a blown tire covered by insurance?
  • Does coverage extend to Mexico or Canada?
  • Does liability extend to a camper or trailer?
  • Is a new car covered when I drive it off the dealer lot?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier

Ford Focus rates influenced by many factors

Smart consumers have a good feel for some of the elements that play a part in calculating insurance coverage rates. Understanding what influences your rates empowers consumers to make smart changes that will entitle you to big savings.

Shown below are some of the factors used by your company to calculate prices.

  • Traffic violations increase rates – Your driving record has a huge affect on how much you pay. Even a single ticket can increase rates forty percent or more. Good drivers receive lower rates than their less careful counterparts. Drivers who get dangerous violations such as DWI, reckless driving or hit and run convictions may be required to submit a SR-22 form with their state DMV in order to prevent a license revocation.
  • A lapse in coverage is a bad thing – Driving with no insurance is illegal and insurance coverage companies will penalize you for letting your insurance lapse. And not only will insurance be more expensive, failure to provide proof of insurance may earn you a revoked license or a big fine.
  • You might want pay the small claims yourself – Auto insurance companies provide discounts to drivers who do not rely on their insurance for small claims. If you tend to file frequent claims, you can look forward to either a policy non-renewal or much higher rates. Your insurance policy is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • Don’t buy coverages you don’t need – There are many extra bells and whistles that you can buy if you aren’t careful. Things like rental car reimbursement, towing coverage and additional equipment coverage are some examples. These may sound like a good investment at first, but now you might not need them so remove them from your policy.
  • Males pay more for insurance – Statistics show women are more cautious behind the wheel. Now that doesn’t mean men are worse drivers. Women and men cause accidents in similar percentages, but men tend to have more serious accidents. Men also receive more costly citations such as DWI and reckless driving.
  • What are your deductibles? – Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Ford. A few examples of covered claims could be a windshield shattered by a rock, damage caused by hail, and burglary. Physical damage deductibles are how much you are required to spend in the event of a claim. The more expense you have to pay, the bigger discount you will receive on Focus coverage.
  • Safer cars are cheaper to insure – Safer cars tend to have better insurance rates. Safe vehicles protect occupants better and any reduction in injury severity translates into fewer and smaller insurance claims and more competitive rates for policyholders. If the Ford Focus earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • The more you drive the more you pay – The more miles you rack up on your Ford in a year’s time the higher your rate. Most companies apply a rate based on their usage. Cars not used for work or commuting receive lower rates than those used for commuting. Ask your agent if your insurance coverage policy is rated on how each vehicle is driven, because improper ratings can cost you money. If your policy improperly rates your Focus can cost quite a bit.

Educate yourself about insurance coverages

Understanding the coverages of insurance can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement. Listed below are the normal coverages offered by insurance companies.

Comprehensive (Other than Collision) – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, vandalism, hail damage, damage from flooding and hitting a deer. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical expense insurance – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like chiropractic care, funeral costs and nursing services. They are often utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Collision – Collision insurance covers damage to your Focus resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like scraping a guard rail, driving through your garage door, hitting a mailbox, crashing into a ditch and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. You can also raise the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your 2010 Ford Focus.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability insurance – Liability coverage can cover injuries or damage you cause to other’s property or people. This insurance protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: 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 a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims such as attorney fees, emergency aid and loss of income. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Compare but don’t skimp

When trying to cut insurance costs, it’s a bad idea to skimp on critical coverages to save a buck or two. In many instances, an insured dropped uninsured motorist or liability limits and discovered at claim time that it was a big error on their part. Your strategy should be to find the BEST coverage at a price you can afford while not skimping on critical coverages.

We just showed you many ideas to shop for 2010 Ford Focus insurance online. The most important thing to understand is the more times you quote, the more likely it is that you will get a better rate. Consumers could even find that the lowest rates come from the smaller companies. They often have lower prices on specific markets than the large multi-state companies such as State Farm or Progressive.

Affordable insurance can be purchased from both online companies and also from your neighborhood agents, so compare prices from both in order to have the best chance of saving money. There are still a few companies who may not provide you the ability to get quotes online and these small insurance companies work with independent agents.

Even more information can be read at these sites: