How Much Does 2011 Ford Focus Insurance Cost?

Nobody likes having to buy insurance coverage, especially knowing the cost is way too high.

Big companies like Allstate, Liberty Mutual and State Farm persitently shower you with TV and radio ads and consumers find it hard to not get sucked in by the cute commercials and effectively compare rates to find the best deal.

Which Insurance is Cheapest?

The are a couple different ways to compare quotes from different insurance companies. By far the easiest way to find competitive 2011 Ford Focus insurance rates is to perform an online rate comparison. This can be accomplished in several different ways.

  1. The first (and easiest) way to find the lowest comparison rates would be an industry-wide quote request form (click to open form in new window). This method keeps you from doing repetitive form entry for every insurance company. One simple form will get you rate comparisons from several companies.
  2. A more difficult way to shop for insurance online consists of visiting each company’s website and fill out their own quote form. For sake of this example, let’s say you want to compare rates from Progressive, Geico and Farmers. To get rate quotes you would need to spend time on each company’s 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.

Whichever way you use, make darn sure you compare the exact same coverage information for every company. If you enter mixed coverages you can’t possibly decipher which rate is best. Having just a slight variation in coverage limits can make a big difference in price. Just keep in mind that obtaining a wide range of quotes provides better odds of finding lower pricing.

Discounts are available to cut your rates

Companies offering auto insurance do not list all their discounts very clearly, so here is a list some of the more common as well as the least known discounts you could be receiving.

  • Drive Safe and Save – Drivers who avoid accidents may receive a discount up to 45% less for Focus coverage than drivers with accidents.
  • Early Switch Discount – A few companies offer discounts for signing up before your current policy expires. It’s a savings of about 10%.
  • Seat Belt Usage – Drivers who require all occupants to buckle their seat belts could save 15% off the personal injury premium cost.
  • One Accident Forgiven – Some insurance companies allow you one accident before hitting you with a surcharge if your claims history is clear for a certain period of time.
  • Paperless Signup – A handful of insurance companies may give you up to $50 for buying a policy and signing up over the internet.
  • Memberships – Belonging to a professional or civic organization could trigger savings on insurance for Focus coverage.

Drivers should understand that many deductions do not apply to all coverage premiums. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like you could get a free insurance policy, companies don’t profit that way.

For a list of providers who offer insurance discounts, click this link.

Your Ford Focus insurance rate is a complex equation

It’s important that you understand the rating factors that help determine the rates you pay for car insurance. Understanding what determines base rates helps enable you to make changes that will entitle you to much lower annual insurance costs.

The following are some of the items that factor into prices.

  • Do you work long hours in a high stress job? – Did you know your occupation can influence how much you pay for car insurance? Occupations such as real estate brokers, architects and dentists tend to have the highest average rates in part from job stress and long work hours. Other occupations such as farmers, historians and performers receive lower rates for Focus coverage.
  • Proper usage rating affects rates – The more you drive in a year’s time the more you will pay for car insurance. Almost all companies apply a rate based upon how you use the vehicle. Vehicles that are left in the garage receive lower rates than those used for commuting. Improper usage on your Focus may be wasting your money. Verify your car insurance policy properly reflects the correct driver usage, because improper ratings can cost you money.
  • Lower rates with optional equipment – Choosing a vehicle with a theft deterrent system can get you a discount on your car insurance. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart auto theft.
  • Never let your coverage lapse – Not having insurance is against the law and you will pay a penalty because you let your insurance expire. And not only will insurance be more expensive, getting caught without coverage can result in a revoked license or a big fine.You may then be required to prove you have insurance by filing a SR-22 with your state department of motor vehicles.
  • Choose a safe vehicle and save – Safer cars can get you lower premiums. Safe vehicles reduce injuries and any reduction in injury severity translates into fewer and smaller insurance claims and thus lower rates. If the Ford Focus earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.

Everyone needs different coverages

When it comes to choosing the right insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Everyone’s needs are different so your insurance should reflect that These are some specific questions can help discover whether your personal situation would benefit from professional advice.

  • Are my friends covered when driving my 2011 Ford Focus?
  • What if I owe more than I can insure my car for?
  • Do I need added coverage for expensive stereo equipment?
  • Am I missing any policy discounts?
  • Should I buy more coverage than the required minimum liability coverage?
  • Can I rate high risk drivers on liability-only vehicles?
  • Can I still get insurance after a DUI?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Educate yourself about car insurance coverages

Understanding the coverages of your car insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are the normal coverages found on most car insurance policies.

Comprehensive coverages – This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as rock chips in glass, hail damage and hitting a deer. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured and underinsured coverage – This provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your 2011 Ford Focus.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Collision coverage – This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like sustaining damage from a pot hole, rolling your car and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Liability insurance – Liability insurance will cover injuries or damage you cause to people or other property in an accident. This coverage protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability can pay for claims such as repair costs for stationary objects, legal defense fees and medical services. How much liability should you purchase? That is up to you, but buy as much as you can afford.

Coverage for medical payments – Med pay and PIP coverage kick in for bills such as funeral costs, EMT expenses, surgery, X-ray expenses and prosthetic devices. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states and may carry a deductible

Saving money is sweet as honey

When buying insurance coverage, it’s a bad idea to skimp on coverage in order to save money. There have been many situations where someone sacrificed comprehensive coverage or liability limits only to find out that the few dollars in savings costed them thousands. The proper strategy is to buy a smart amount of coverage at a price you can afford.

We just showed you a lot of information how to get a better price on 2011 Ford Focus insurance. It’s most important to understand that the more quotes you get, the better likelihood of reducing your rate. You may even discover the lowest priced auto insurance comes from a company that doesn’t do a lot of advertising. Some small companies can often provide lower rates in certain areas than the large multi-state companies such as State Farm, Geico and Nationwide.

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