Save on 2016 Ford Focus Insurance Quotes

Searching for the cheapest insurance rates for your Ford Focus? Comparing and finding cheaper rates for Driversinsurance may be nearly impossible for drivers who are beginners to quoting coverage prices online. With so many options of online companies, it can quickly become a difficult mission to locate the lowest rates.

It’s a good idea to compare prices quite often because prices are rarely the same from one policy term to another. Just because you had the best quotes on Focus coverage a few years ago other companies may now be cheaper. Block out anything you think you know about insurance because you’re going to get a crash course in how to use online quotes to find lower rates on insurance.

How much is auto insurance?

All the larger auto insurance companies such as Allstate, Geico and Progressive make it easy to get prices for coverage on the web. Getting quotes is quite simple because you just enter your required coverages into a form. After you submit the form the system will obtain your driving and credit reports and quotes a price.

Quoting online makes comparing rates easy, but having to visit several different sites and type in the same information is a big time waster. Unfortunately, it is important to perform this step in order to find the lowest auto insurance rates.

Online rates the easy way

The smarter way to lower your rates is to use a quote form that analyzes rates from a bunch of companies at once. It saves time, reduces the work, and makes online shopping much more efficient. After sending your information, it is rated and you can select any or none of the quotes returned.

If a lower price is quoted, it’s easy to complete the application and purchase coverage. This process just takes a couple of minutes and you will find out if you’re overpaying now.

If you want to compare pricing, click here to open in a new tab and input your coverage information. If you have a policy now, it’s recommended that you enter the insurance coverages exactly as shown on your declarations page. This makes sure you will get an apples-to-apples comparison using the exact same coverages.

Do you qualify for discount auto insurance?

Some providers do not advertise every discount very well, so we break down some of the more common and also the more inconspicuous discounts that may be available.

  • Savings for New Vehicles – Buying coverage on a new vehicle may earn a small discount because new model year vehicles are generally safer.
  • Defensive Driver – Passing a safe driver course may get you a small discount if you qualify.
  • Military Deployment Discount – Having a family member in the military may lower your auto insurance rates slightly.
  • Responsible Driver Discount – Safe drivers may save up to 50% more on Focus coverage compared to accident prone drivers.
  • Theft Prevention System – Anti-theft and alarm system equipped vehicles are stolen with less frequency and that can save you a little bit as well.
  • Life Insurance – Select insurance companies reward you with a break if you buy some life insurance too.
  • Own a Home and Save – Just being a homeowner can save you money due to the fact that maintaining a home is proof that your finances are in order.

Don’t be surprised that most discounts do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like medical payments or collision. Just because it seems like you would end up receiving a 100% discount, companies wouldn’t make money that way. But any discount will positively reduce the premium cost.

Larger auto insurance companies and a partial list of their discounts are shown below.

  • Farm Bureau offers discounts including safe driver, 55 and retired, driver training, multi-policy, good student, multi-vehicle, and youthful driver.
  • Liberty Mutual policyholders can earn discounts including new vehicle discount, hybrid vehicle, safety features, newly retired, exclusive group savings, multi-policy, and newly married.
  • State Farm has discounts for Drive Safe & Save, Steer Clear safe driver discount, accident-free, anti-theft, and good student.
  • Auto-Owners Insurance offers discounts for air bags, safe driver, student away at school, anti-theft, safe vehicle, and paid in full.
  • Geico may include discounts for air bags, driver training, defensive driver, multi-policy, anti-theft, membership and employees, and daytime running lights.
  • SAFECO offers premium reductions for teen safety rewards, accident prevention training, homeowner, anti-theft, bundle discounts, and teen safe driver.

Before you buy a policy, ask every prospective company to give you their best rates. Some of the discounts discussed earlier may not apply in your area. To choose companies who offer auto insurance discounts, click here to view.

What insurance coverages do I need?

When it comes to buying the best insurance coverage, there really is not a perfect coverage plan. Everyone’s needs are different.

For instance, these questions might help in determining whether or not you will benefit from professional help.

  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Will my rates increase for filing one claim?
  • Should I buy full coverage?
  • When would I need additional glass coverage?
  • How can I get my company to pay me more for my totalled car?
  • What is covered by UM/UIM coverage?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an insurance agent. If you don’t have a local agent, simply complete this short form.

How you can control Ford Focus insurance prices

A large part of saving on insurance is knowing the factors that play a part in calculating the rates you pay for insurance. When you understand what determines premiums, this allows you to make good choices that could result in lower rates. Many different elements are taken into consideration when you get your auto insurance bill. Most are fairly basic like an MVR report, but other factors are less apparent such as whether you are married or how safe your car is.

  • Eliminate extra policy coverages – Insurance companies have many extra bells and whistles that can waste your money if you don’t pay attention. Things like coverage for rental cars, accidental death, and Farm Bureau memberships may be wasting your money. These coverages may sound good initially, but your money might be better spent on other coverage so remove them and pocket the money.
  • Traffic violations hurt – Whether or not you get tickets has a lot to do with how much you pay for insurance. Getting just one ticket may increase your cost by as much as thirty percent. Good drivers pay less for auto insurance than bad drivers. Drivers who have gotten serious violations like reckless driving, hit and run or driving under the influence may need to complete a SR-22 with their state in order to prevent a license revocation.
  • Job can influence prices – Careers such as military generals, business owners and dentists have the highest average rates due to intense work situations and lots of time spent at work. On the other hand, occupations like actors, athletes and retirees generally pay rates lower than average on Focus coverage.
  • Liability insurance limits should be high – The liability coverage on your policy is the protection when you are determined to be liable for personal injury or accident damage. Liability insurance provides legal defense to attempt to prove you were not liable. Liability insurance is pretty cheap when compared with rates for comp and collision, so drivers should buy more than the minimum limits required by law.
  • Females tend to be lower risk – Over the last 50 years, statistics have shown that females take fewer risks when driving. The data does not necessarily mean that men are worse drivers. Both genders cause fender benders at about the same rate, but males cause more damage. They also have more aggressive citations such as DWI and reckless driving.
  • Too many policy claims drive up prices – If you are the type of insured that files lots of claims you should expect higher rates. Auto insurance companies award most affordable rates to people who do not rely on their insurance for small claims. Your insurance policy is meant to be used in the event of claims that you cannot pay yourself.
  • Experienced drivers save more – More mature drivers are shown to be more cautious, tend to cause fewer accidents and get fewer tickets.Young drivers are known to be more careless when driving with friends so they pay higher insurance rates.

Car insurance coverage basics

Learning about specific coverages of your policy can help you determine appropriate coverage and the correct deductibles and limits. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your 2016 Ford Focus.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently the UM/UIM limits are set the same as your liablity limits.

Auto liability – Liability insurance will cover injuries or damage you cause to a person or their property in an accident. This coverage protects you against claims from other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims like court costs, structural damage, bail bonds, legal defense fees and pain and suffering. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.

Comprehensive auto coverage – This coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like fire damage, a broken windshield and damage from flooding. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like ambulance fees, dental work and surgery. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Collision – This coverage pays to fix your vehicle from damage resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things like sideswiping another vehicle, driving through your garage door and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

More quotes mean more savings

We just showed you some good ideas how you can save on 2016 Ford Focus insurance. The most important thing to understand is the more providers you compare, the better chance you’ll have of finding cheaper car insurance. Consumers may even find the best price on auto insurance is with a smaller regional carrier.

When getting car insurance quotes online, do not skimp on coverage in order to save money. In many cases, someone sacrificed uninsured motorist or liability limits and found out when filing a claim that they should have had better coverage. The aim is to purchase plenty of coverage at a price you can afford but still have enough coverage for asset protection.

Consumers change insurance companies for many reasons like poor customer service, lack of trust in their agent, delays in responding to claim requests and policy non-renewal. It doesn’t matter what your reason, finding a new company is pretty simple and you could end up saving a buck or two.

Much more information about auto insurance can be found at these links: