Compare 2000 Ford Focus Insurance Quotes

Searching for cheaper car insurance rates for your Ford Focus? Consumers fed up with high insurance rates and are new to comparison shopping online can find purchasing affordable auto insurance to be a formidable task.

Affordable insurance price quotes online

There are several ways to compare insurance prices but there is one way that is less time-consuming than others. You can spend countless hours driving to local insurance agents in your area, or you could use online quotes to get rate comparisons in just a few minutes.

Many companies belong to an insurance system where insurance shoppers only type in their quote data once, and at least one company can give them a price. This saves time by eliminating repetitive form submissions to each company.

To enter your information into the quoting system, click here to start a free quote.

One minor caviat to using this type of form is you don’t know exactly the insurers to receive prices from. So if you want to choose specific providers for rate comparison, we have a page of low cost insurance companies in your area. Click to view list.

Compare rates however you want, just do your best to enter nearly identical coverage limits and deductibles on every quote you get. If each company quotes different coverage information you can’t possibly find the best deal for your Ford Focus. Quoting even small variations in limits could throw off the whole comparison. And when comparing insurance rates, know that getting more free quotes helps improve the odds of finding more affordable rates.

Get affordable rates with these discounts

Some providers don’t always publicize every policy discount very clearly, so here is a list a few of the more common and the harder-to-find savings tricks you should be using when you buy auto insurance online. If they aren’t giving you every credit you qualify for, you are just wasting money.

• Discount for Life Insurance – Select insurance carriers reward you with a lower premium rate if you buy a life insurance policy as well.
• Driver Training Discounts – Completing a class that teaches safe driver techniques is a good idea and can lower rates if you qualify.
• Seat Belts Save – Requiring all passengers to buckle up could save 15% off the PIP or medical payment premium.
• Early Signing – A few larger companies offer discounts for signing up prior to your current policy expiration. It’s a savings of about 10%.
• Military Rewards – Having a deployed family member could qualify you for better prices.
• Passive Restraints and Air Bags – Factory air bags and/or automatic seat belt systems may get savings of up to 25% or more.

While discounts sound great, it’s important to understand that some credits don’t apply to all coverage premiums. Some only apply to the price of certain insurance coverages like comprehensive or collision. Despite the fact that it seems like you could get a free auto insurance policy, you won’t be that lucky.

A few popular companies and their offered discounts are included below.

• Farmers Insurance offers discounts including business and professional, bundle discounts, distant student, good student, pay in full, alternative fuel, and early shopping.
• Esurance has savings for claim free, renters, multi-car, defensive driver, Pac-12 alumni, and multi-policy.
• State Farm offers discounts for good student, driver’s education, Steer Clear safe driver discount, Drive Safe & Save, student away at school, and passive restraint.
• Geico policyholders can earn discounts including federal employee, daytime running lights, membership and employees, military active duty, multi-vehicle, defensive driver, and seat belt use.
• Allstate discounts include resident student, senior citizen, premier plus, farm vehicle, and EZ pay plan discount.

When getting free auto insurance quotes, it’s a good idea to each company or agent how you can save money. Some discounts listed above might not be offered on policies in your area. To choose providers with discount rates, click here to view.

Car insurance can be complex

When choosing the best car insurance coverage, there really is not a perfect coverage plan. Every insured’s situation is different.

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

• When do I need to add a new car to my policy?
• Can my teen driver be rated on a liability-only vehicle?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Do I have coverage if my license is suspended?
• Should I buy additional glass protection?
• Does my policy cover my teen driver if they drive my company car?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an agent. To find an agent in your area, simply complete this short form.

Auto insurance coverages

Understanding the coverages of your policy aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for expenses for hospital visits, EMT expenses, nursing services, doctor visits and X-ray expenses. They can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Auto liability insurance

This can cover damage that occurs to other’s property or people that is your fault. It protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things such as pain and suffering, loss of income, structural damage and court costs. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.

Comprehensive auto coverage

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like hitting a bird, fire damage, falling objects, a tree branch falling on your vehicle and theft. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Ford Focus.

Because many people carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as damaging your car on a curb, sideswiping another vehicle, rolling your car and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.