View 2015 Ford Focus Car Insurance Quotes

Purchasing the cheapest insurance coverage over the internet can seem to be somewhat difficult for consumers new to online price comaprisons. With so many companies in the marketplace, how can you even start to compare every one to find the lowest price available?

Policy discounts you shouldn’t miss

Car insurance companies don’t necessarily list every discount in a way that’s easy to find, so here is a list both the well known and the harder-to-find auto insurance savings.

  • Sign Early and Save – A few companies offer discounts for switching to them prior to your current policy expiring. It can save you around 10%.
  • Paperless Signup – A handful of insurance companies may give you up to $50 for buying a policy and signing up on their website.
  • Theft Prevention System – Anti-theft and alarm systems are stolen less frequently and therefore earn up to a 10% discount.
  • No Claims – Claim-free drivers can earn big discounts as compared to frequent claim filers.
  • Senior Citizens – Older drivers may be able to get reduced rates on Focus coverage.

A little note about advertised discounts, some credits don’t apply to the entire cost. The majority will only reduce individual premiums such as liability, collision or medical payments. So when it seems like all the discounts add up to a free policy, auto insurance companies aren’t that generous.

To see a list of insurance companies with the best auto insurance discounts, click this link.

How to Get Cheap Car Insurance

There are several ways to shop for Ford Focus car insurance, and some are easier and takes less work. You can waste a lot of time driving to agents in your area, or you can stay home and use the web to maximize your effort.

The majority of car insurance companies belong to an insurance system where insurance shoppers only type in their quote data once, and each participating company returns a competitive quote for coverage. This system prevents you from having to do quote requests for every car insurance company.

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

The one downside to using this type of form is that consumers can’t choose the providers you will receive quotes from. So if you prefer to pick specific insurance companies to compare rates, we have a listing of low cost car insurance companies in your area. Click to view list.

It’s your choice how you get your quotes, but compare exactly the same deductibles and coverage limits for every quote you compare. If you have different values for each quote you will not be able to decipher which rate is best. Quoting even small variations in insurance coverages could mean much higher rates. Just remember that getting more free quotes provides better odds of finding lower pricing.

Your Ford Focus insurance rate is a complex equation

It’s important that you understand the different types of things that go into determining your auto insurance rates. Having a good understanding of what controls the rates you pay helps enable you to make changes that may reward you with lower auto insurance prices.

Listed below are a partial list of the pieces that factor into rates.

  • Drive less and save money – The more miles you rack up on your Ford every year the more you’ll pay to insure your vehicle. Most companies apply a rate based upon how you use the vehicle. Cars and trucks left parked in the garage get more affordable rates compared to those used for work or business. Make sure your auto insurance policy is showing how each vehicle is driven. Incorrect usage on your Focus may be costing you.
  • With age comes lower rates – Young drivers are known to be less responsible when driving so they pay higher auto insurance rates. Having to add a teen driver onto a policy can really hurt. More mature drivers tend to be more responsible, tend to cause fewer accidents and receive fewer citations.
  • Consolidate policies to earn discounts – The majority of companies will give a discount to policyholders who consolidate policies with them in the form of a multi-policy discount. Even though this discount sounds good, you may still want to comparison shop to ensure the best deal.
  • Claim-free discounts can add up – Car insurance companies generally give cheaper rates to insureds who do not rely on their insurance for small claims. If you tend to file frequent claims, you can look forward to either policy cancellation or increased premiums. Insurance coverage is designed for major claims that would cause financial hardship.
  • Pay less if you’re married – Having a spouse can actually save you money on your policy. Having a significant other means you’re more mature and it’s proven that being married results in fewer claims.
  • Liability coverage is cheap – Your policy’s liability coverage is the coverage that protects you when a court rules you are at fault for causing damage or personal injury in an accident. It provides legal defense coverage starting from day one. Liability insurance is quite affordable as compared to coverage for physical damage, so do not skimp.
  • Add-on coverages can add up – There are quite a few extra bells and whistles that you can buy if you aren’t careful. Things like vanishing deductibles, towing coverage and term life insurance may be wasting your money. They may seem like a good idea initially, but if they’re wasting money remove them from your policy.
  • Your location affects your rates – Being located in less populated areas is a positive aspect when buying auto insurance. Less people living in that area means reduced accidents and a lower car theft rate. Drivers who live in large cities tend to have more traffic problems and longer commute times. Longer commute distances means more change of being in an accident.

Insurance agents can help

When it comes to choosing proper insurance coverage, there isn’t really a cookie cutter policy. Everyone’s situation is unique.

Here are some questions about coverages that might point out whether your personal situation would benefit from professional advice.

  • How much liability coverage do I need in my state?
  • Should I waive the damage coverage when renting a car?
  • Should I have a commercial auto policy?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Am I covered if hit by an uninsured driver?
  • Am I covered if I drive in a foreign country?
  • Does liability extend to a camper or trailer?
  • At what point should I drop full coverage?
  • Is my 2015 Ford Focus covered for smoke damage?
  • How much liability do I need to cover my assets?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form.

Specific coverages for a 2015 Ford Focus

Understanding the coverages of your auto insurance policy 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.

Comprehensive auto coverage

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like falling objects, hitting a deer and vandalism. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for bills such as X-ray expenses, doctor visits, prosthetic devices, chiropractic care and hospital visits. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Collision insurance

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as crashing into a ditch, sideswiping another vehicle and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Ford Focus.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important.

Liability coverages

Liability coverage protects you from damage that occurs to people or other property in an accident. It protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things like pain and suffering, medical services, bail bonds, emergency aid and medical expenses. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.

Get your money’s worth

As you shop your coverage around, you should never sacrifice coverage to reduce premiums. There are a lot of situations where someone dropped comprehensive coverage or liability limits and learned later that it was a big mistake. Your focus should be to purchase a proper amount of coverage at a price you can afford.

Throughout this article, we presented many tips how you can lower your 2015 Ford Focus insurance rates. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even find the most savings is with a smaller regional carrier.

Cheaper insurance is definitely available online and also from your neighborhood agents, so you should compare both in order to have the best price selection to choose from. A few companies may not provide online price quotes and most of the time these smaller companies sell through independent agents.

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