Cheaper 2012 Ford Focus Insurance Quotes

Looking for lower car insurance rates for your Ford Focus? Did you fall for a flashy sales pitch and buy high-priced car insurance? Believe me, there are many people just like you. Because you have many car insurance companies to choose from, it can be challenging to pick the lowest cost company.

Compare Insurance Coverage Costs

Most companies give coverage prices on the web. Obtaining pricing is pretty painless as you just enter the coverage amounts you desire as detailed in the form. After you complete the form, the company’s rating system collects information on your driving record and credit history and returns pricing information. Being able to quote online makes it a lot easier to compare rates but the time it takes to visit a lot of sites and type in the same information can be a bit tiresome and repetitive. But it is imperative to compare as many rates as possible if you are searching for better insurance coverage pricing.

The preferred way to compare rates requires only one form to return rates from several companies at one time. It saves time, eliminates form submissions, and makes comparison shopping much easier to do. Once the form is submitted, it is quoted and you are able to buy any one of the price quotes you receive. If you find a better price you can simply submit the application and buy the new coverage. It only takes a few minutes and you’ll know if lower rates are available.

To save time and use this form to compare rates, simply click here to open in new window and complete the simple form. If you currently have coverage, we recommend that you enter the coverages exactly as shown on your declarations page. Using the same limits helps guarantee you will be getting a fair comparison based on identical coverages.

Discounts are available to cut your rates

Auto insurance companies do not advertise every available discount very clearly, so we break down some of the more common and the more hidden ways to save on auto insurance. If you’re not getting every credit possible, you’re paying more than you need to.

  • Senior Citizens – Mature drivers can possibly qualify for better auto insurance rates for Focus insurance.
  • Low Mileage Discounts – Fewer annual miles on your Ford could qualify for a substantially lower rate.
  • Safety Course Discount – Taking a course in driver safety could possibly earn you a 5% discount if you qualify.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems prevent accidents and will save you 10% or more.
  • Drivers Ed for Students – Cut your cost by having your teen driver take driver’s ed class in high school.

As a disclaimer on discounts, most discount credits are not given to all coverage premiums. Most only apply to individual premiums such as liability and collision coverage. So when it seems like you can get free auto insurance, it just doesn’t work that way.

To see a list of insurance companies with discount auto insurance rates, click here.

Ford Focus premiums are determined by many factors

It’s important that you understand the factors that come into play when calculating your car insurance rates. When you know what positively or negatively controls the rates you pay enables informed choices that may reward you with big savings.

The list below includes some of the items car insurance companies consider when setting rates.

  • Safer cars cost less to insure – Vehicles with high crash test scores get lower rates. Safer cars protect occupants better and better occupant protection translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Ford earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
  • Do you have enough liability coverage? – Liability coverage will protect you if a court rules you are at fault for causing damage or personal injury in an accident. It will provide legal defense coverage up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not skimp.
  • Your location is important – Residing in less populated areas has it’s advantages when buying car insurance. Lower population means fewer accidents and a lower car theft rate. City drivers tend to have congested traffic and longer commute times. Longer commute distances means higher likelihood of an accident.
  • Optional equipment can affect rates – Purchasing a vehicle with a theft deterrent system can help bring down rates. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping car theft.

Everyone needs different coverages

When it comes to choosing the best auto insurance coverage, there isn’t really a one size fits all plan. Every insured’s situation is different so your insurance needs to address that. For instance, these questions could help you determine if you would benefit from an agent’s advice.

  • What is covered by UM/UIM coverage?
  • Am I covered if I hit a deer?
  • What is high-risk coverage and where do I buy it?
  • Do I have coverage for damage caused while driving under the influence?
  • Will my insurance pay for OEM parts?
  • Is rental equipment covered for theft or damage?
  • How does medical payments coverage work?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

Do drivers who switch really save $386 a year?

Consumers can’t ignore all the ads for the lowest price auto insurance from the likes of Progressive, Allstate and Geico. All the companies make the same claim that you’ll save big if you move your coverage to them.

But how can every company make the same claim? This is how they do it.

All the different companies have a preferred profile for the driver they prefer to insure. A good example of a driver they prefer could possibly be between 25 and 40, has no tickets, and chooses high deductibles. Any new insured who matches those parameters receives the best rates and is almost guaranteed to save quite a bit of money when switching.

Potential customers who don’t measure up to this ideal profile will have to pay a more expensive rate and this can result in business going elsewhere. The ad wording is “people who switch” not “people who quote” save that much. This is how companies can make the claims of big savings. Because of the profiling, it’s extremely important to compare many company’s rates. It’s just too difficult to predict which insurance companies will fit your personal profile best.

Auto insurance coverages and their meanings

Knowing the specifics of auto insurance aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverages found on most auto insurance policies.

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as theft, damage from flooding and rock chips in glass. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability insurance

This coverage will cover damage or injury you incur to a person or their property by causing an accident. It protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims like repair costs for stationary objects, medical services, attorney fees, structural damage and bail bonds. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for bills for prosthetic devices, EMT expenses, X-ray expenses, surgery and ambulance fees. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Collision protection

This coverage pays for damage to your Focus caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as colliding with a tree, backing into a parked car, damaging your car on a curb, sustaining damage from a pot hole and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your 2012 Ford Focus.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

More effort can pay off

We just presented many ways to get a better price on 2012 Ford Focus insurance. It’s most important to understand that the more rate quotes you have, the better chance you’ll have of finding lower rates. You may be surprised to find that the best price on car insurance is with a lesser-known regional company. They can often insure niche markets at a lower cost than their larger competitors like State Farm and Allstate.

When trying to cut insurance costs, don’t be tempted to skimp on critical coverages to save a buck or two. There have been many situations where an insured cut liability limits or collision coverage and learned later they didn’t have enough coverage. The aim is to purchase a proper amount of coverage at the best price while not skimping on critical coverages.

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