Cheap 2018 Ford Focus Insurance Rates

Looking for better auto insurance rates for your Ford Focus? Pricey Ford Focus insurance can empty your budget and force you to prioritize other expenses. Comparing cost estimates is a fast and free way to tighten up your finances.

Lots of insurers contend for your hard-earned dollar, so it’s not easy to compare every insurance company and get the best coverage at the cheapest price

The most recommended method to compare policy rates is to take advantage of the fact car insurance companies have advanced systems to quote your coverage. The only thing you need to do is spend a couple of minutes providing details such as if you require a SR-22, coverage limits, if you went to college, and what you do for a living. That rating information gets sent immediately to multiple insurance providers and you will get price comparisons very quickly.

Insurance companies offer many discounts

The cost of insuring your cars can be expensive, but discounts can save money and there are some available that you may not even know about. Many discounts should be triggered at the time of quoting, but a few must be requested specifically before you will receive the discount.

  • Accident Free – Claim-free drivers can earn big discounts as opposed to insureds who have frequent claims or accidents.
  • Multi-Vehicle Discounts – Buying coverage for more than one vehicle with the same company can reduce rates for all insured vehicles.
  • Bundled Policy Discount – If you combine your home and auto policies with the same company you could get a discount of over 10 percent off each policy depending on the company.
  • E-sign – Certain insurance companies will discount your bill up to fifty bucks shop car insurance on their website.
  • Professional Organizations – Having an affiliation with specific professional or occupational memberships or organizations may earn a discount on insurance.
  • Senior Citizen Rates – If you’re over the age of 55, you could receive reduced rates for Focus coverage.
  • Seat Belts Save more than Lives – Requiring all passengers to wear their seat belts can save a little off the PIP or medical payment premium.
  • Good Students Pay Less – Excelling in school may save as much as 25% on a car insurance quote. The discount lasts up until you turn 25.

Consumers should know that most discount credits are not given to all coverage premiums. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like you can get free auto insurance, it doesn’t quite work that way. But any discount will definitely reduce the cost of your policy.

A list of companies and a partial list of their discounts include:

  • Esurance offers premium reductions for paid-in-full, multi-car, anti-theft, good driver, good student, renters, and Switch & Save.
  • The Hartford offers discounts including vehicle fuel type, good student, anti-theft, bundle, and driver training.
  • AAA discounts include pay-in-full, good student, multi-policy, education and occupation, AAA membership discount, and anti-theft.
  • Geico includes discounts for membership and employees, air bags, military active duty, good student, emergency military deployment, seat belt use, and driver training.
  • State Farm may have discounts that include good driver, passive restraint, safe vehicle, Drive Safe & Save, accident-free, and student away at school.

Before buying, ask each insurance company to give you their best rates. Some of the discounts discussed earlier may not be offered in your area. To find insurance companies who offer discounts, follow this link.

Find cheap insurance coverage with these tips

One of the most helpful ways to save on insurance coverage is to to have a grasp of some of the elements that are used to determine your premiums. When you know what positively or negatively determines premiums, this helps enable you to make changes that will entitle you to much lower annual insurance costs. Many different elements are considered when you get your auto insurance bill. Some factors are common sense like a motor vehicle report, but others are more transparent like your continuous coverage or your vehicle rating.

The items below are some of the major factors used by insurance companies to determine your prices.

  • A coverage lapse can increase rates – Driving your car without having proper coverage is a misdemeanor and insurance coverage companies will penalize you for letting your coverage have a gap. Not only will you pay higher rates, not being able to provide proof of insurance can result in a fine, jail time, or a revoked license.
  • How credit history affects insurance coverage costs – Credit history is likely to be a major factor in calculating your premium rate. Drivers who have very high credit ratings tend to file fewer claims and have better driving records than drivers who have poor credit scores. If your credit could use some work, you could potentially save money when insuring your 2018 Ford Focus if you clean up your credit.
  • Do you need those incidental coverages? – There are quite a few optional add-on coverages that can waste your money when buying insurance coverage. Coverages for rental car reimbursement, towing, and motor club memberships are some examples. They may seem good when deciding what coverages you need, but if you’ve never needed them in the past think about removing them and cutting costs.
  • Deter theft and reduce premiums – Buying a car with anti-theft technology or alarm system can earn a premium discount. Systems that thwart theives such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help stop your car from being stolen.
  • Gender matters – Statistics have proven females are less aggressive when driving. The data does not necessarily mean that females are better drivers. Both genders cause at-fault accidents in similar numbers, but men tend to have higher claims. Not only are claims higher, but men get ticketed for serious violations such as driving while intoxicated (DWI) or driving recklessly.
  • Save by driving less – The more you drive annually the more you’ll pay to insure it. A lot of insurance companies calculate rates determined by how the vehicle is used. Vehicles that sit idle most of the time get more affordable rates than vehicles that have high annual mileage. Double check that your vehicle rating is rated on the proper vehicle usage. Having the wrong rating on your Focus is throwing money out the window.
  • Lower rates for cars with good safety ratings – Safe vehicles get lower rates. Vehicles engineered for safety reduce the chance of injuries and fewer serious injuries translates directly to fewer claims and lower rates for you. If your Ford Focus has at least an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
  • Cheaper rates for being claim-free – If you frequently file small claims, you should expect increased rates or even have your policy non-renewed. Auto insurance companies provide cheaper rates to drivers who do not rely on their insurance for small claims. Insurance coverage is designed for more catestrophic claims.

Do I just need basic coverages?

When buying the right insurance coverage, there is no one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that For instance, these questions could help you determine if you might need an agent’s assistance.

  • Am I getting all the discounts available?
  • Do I need to file an SR-22 for a DUI in my state?
  • If my pet gets injured in an accident are they covered?
  • Do I have coverage if my license is suspended?
  • Is my teen driver covered when they drive my company car?
  • What vehicles should carry emergency assistance coverage?
  • What is medical payments coverage?
  • Am I covered if I wreck a rental car?

If you can’t answer these questions then you might want to talk to an agent. To find lower rates from a local agent, complete this form or click here for a list of car insurance companies in your area.

Advertising myths

Big name companies like Geico, State Farm and Progressive continually stream television and radio advertisements. All the ads convey the message that you’ll save big if you move your insurance coverage coverage to their company. How do they all charge lower premium rates? It’s all in the numbers.

Insurance providers have specific characteristics for the type of driver that is profitable for them. For instance, this type of driver might have to be over the age of 40, carries full coverage, and does not commute to work. Anybody that hits that “sweet spot” is entitled to the best price as well as save a lot if they switch.

Consumers who do not meet the requirements will see higher premium rates which translates to the customer not purchasing. The ad wording is “drivers that switch” not “everybody who quotes” save that much when switching. That’s why companies can truthfully advertise the way they do. Each company has different criteria, so you really should do a rate comparison at every renewal. It is impossible to guess with any certainty which company will have the lowest rates for your situation.

Coverages available on your car insurance policy

Knowing the specifics of your car insurance policy can help you determine the right coverages at the best deductibles and correct limits. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverages found on the average car insurance policy.

Coverage for liability

Liability coverage protects you from injuries or damage you cause to other’s property or people that is your fault. It protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability insurance covers claims such as medical expenses, attorney fees and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as damage to your Ford Focus.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Collision coverage

This pays for damage to your Focus from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like hitting a mailbox, sustaining damage from a pot hole, damaging your car on a curb, crashing into a ditch and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like damage from flooding, hail damage and falling objects. The maximum payout you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as ambulance fees, dental work and surgery. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible

More comparisons equals lower rates

When searching for low cost car insurance quotes, do not reduce coverage to reduce premium. In too many instances, drivers have reduced physical damage coverage to discover at claim time that it was a big error on their part. Your strategy should be to get the best coverage possible for the lowest cost, but do not skimp to save money.

We’ve covered many ways to shop for 2018 Ford Focus insurance online. It’s most important to understand that the more rate comparisons you have, the better your chances of lowering your premium rates. Drivers may discover the most savings is with some of the smallest insurance companies. These smaller insurers may only write in your state and offer lower premium rates compared to the large companies like Progressive or Geico.

More tips and info about auto insurance is located in the articles below: