Save on 2014 Ford Focus Insurance Quotes

Looking for better car insurance rates for your Ford Focus? Having to pay for overpriced Ford Focus insurance can dwindle your personal savings and put the squeeze on your family’s finances. Shopping your coverage around is a smart way to help make ends meet.

Popular companies such as Geico, Farmers Insurance and State Farm all promote huge savings with fancy advertisements and consumers find it hard to see through the deception and take the time to shop coverage around.

It is always a good idea to take a look at other company’s rates every six months due to the fact that insurance rates are usually higher with each renewal. Even if you think you had the best price on Focus coverage six months ago there may be better deals available now. Forget all the misinformation about car insurance because we’re going to demonstrate the fastest and easiest way to save money, get proper deductibles and limits, all at the lowest rate.

If you have car insurance now, you stand a good chance to be able to save some money using these methods. Finding affordable coverage is easy if you know what you’re doing. But consumers must learn how the larger insurance companies market on the web and use this information to your advantage.

Comprehensive Car Insurance Comparison

Comparing car insurance rates can take time and effort if you don’t know the fastest way to get free quotes. You can spend countless hours discussing policy coverages with local insurance agents in your area, or you could use the internet to accomplish the same thing much quicker.

Many insurance companies are enrolled in a marketplace where insurance shoppers enter their coverage request one time, and at least one company then gives them pricing based on that data. This system prevents you from having to do quote forms to each company.

To participate in this free quote system, click here to start a free quote.

The only downside to comparing rates this way is you cannot specify which companies to get pricing from. So if you want to select individual companies to compare rates, we put together a list of car insurance companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but ensure you’re using identical coverages with each company. If the quotes have different liability limits it’s impossible to decipher which rate is best. Slightly different coverage limits can mean a large discrepancy in price. Just keep in mind that quoting more gives you a better chance of getting a lower rate.

Save $431 a year. For real?

Companies like Allstate, Geico and Progressive constantly bombard you with ads on television and other media. All the ads say the same thing that you can save if you switch your coverage to them. But how can every company say the same thing?

Insurance companies can use profiling for the type of customer that earns them a profit. For example, a driver they prefer might be profiled as a mature driver, has no driving citations, and has great credit. Any new insured who matches those parameters will qualify for the lowest rates and most likely will save when they switch companies.

Consumers who do not match these standards must pay more money which usually ends up with the driver buying from a lower-cost company. The ads say “people who switch” but not “drivers who get quotes” save that kind of money. That is how companies can make those claims. This illustrates why drivers must compare as many rates as you can. It’s just too difficult to predict the company that will fit your personal profile best.

Discounts can save BIG

Companies do not advertise every available discount in an easy-to-find place, so the following is a list of some of the more common and the harder-to-find savings tricks you should be using.

  • Lower Rates for Military – Having a deployed family member could be rewarded with lower premiums.
  • Sign Online – A handful of insurance companies may give you up to $50 for buying a policy and signing up over the internet.
  • Drivers Ed for Students – Require your teen driver to successfully complete driver’s ed class in school.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
  • Good Students Pay Less – This discount can earn a discount of 20% or more. The discount lasts up to age 25.
  • Passive Restraints – Cars that have air bags or automatic seat belts can receive discounts up to 30%.
  • Life Insurance – Some companies give better rates if you take out auto and life insurance together.
  • Multiple Cars – Buying coverage for all your vehicles on the same insurance policy qualifies for this discount.
  • Multi-policy Discount – When you have multiple policies with one company you will save at least 10% off all policies.
  • Drive Less and Save – Fewer annual miles on your Ford can earn discounted rates on garaged vehicles.

Consumers should know that most discount credits are not given to all coverage premiums. Some only apply to specific coverage prices like liability and collision coverage. So even though it sounds like having all the discounts means you get insurance for free, it just doesn’t work that way.

Insurance companies who might offer these benefits include:

Check with all companies you are considering which discounts you may be entitled to. All car insurance discounts may not be available in your state.

Will just any policy work for me?

When choosing proper insurance coverage, there really is not a “best” method to buy coverage. Everyone’s situation is a little different and your policy should reflect that. Here are some questions about coverages that can aid in determining if your insurance needs might need professional guidance.

  • Will my rates increase for filing one claim?
  • Why is insurance for a teen driver so high?
  • I have health insurance so do I need medical payments coverage?
  • Can my teen driver be rated on a liability-only vehicle?
  • Is rental equipment covered for theft or damage?
  • Why am I required to buy liability insurance?
  • Am I better off with higher deductibles on my 2014 Ford Focus?
  • Does having multiple vehicles earn me a discount?
  • Can I still get insurance after a DUI?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Car insurance coverage breakdown

Knowing the specifics of your car insurance policy can help you determine appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Shown next are typical coverages found on most car insurance policies.

Comprehensive car insurance

This coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as hitting a deer, hitting a bird, vandalism and a tree branch falling on your vehicle. The maximum payout 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 consider dropping full coverage.

Coverage for collisions

This will pay to fix damage to your Focus from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as sideswiping another vehicle, scraping a guard rail, driving through your garage door and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to raise the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Ford Focus.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for expenses for EMT expenses, surgery and chiropractic care. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Liability insurance

This coverage provides protection from damage or injury you incur to other people or property by causing an accident. It protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

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

Liability insurance covers claims like bail bonds, emergency aid, medical services and loss of income. How much liability coverage do you need? That is your choice, but consider buying as much as you can afford.

Shop Smart and Save

We just presented a lot of techniques to lower your 2014 Ford Focus insurance rates. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. Drivers may discover the best price on insurance coverage is with the smaller companies. These companies may have significantly lower rates on certain market segments than their larger competitors like Progressive and Geico.

When buying insurance coverage, you should never skimp on critical coverages to save a buck or two. In too many instances, someone dropped physical damage coverage to discover at claim time that the savings was not a smart move. Your goal should be to purchase plenty of coverage for the lowest price, not the least amount of coverage.

More tips and info about insurance coverage can be read by following these links: