View 2003 Ford Focus Insurance Rates

If shopping for insurance quotes online is new to you, you can be overwhelmed because of the huge number of insurance providers who all claim to have the lowest rates.

If you currently have car insurance, you will be able to save some money using this strategy. Pricing affordable auto insurance is easy if you know what you’re doing. Nevertheless, car owners do need to know how insurance companies price online insurance.

Where can I get low cost insurance coverage?

All the larger insurance coverage companies allow you to get coverage prices online. Getting online quotes is fairly simple as you simply enter the coverage amounts you desire as requested by the quote form. When complete, their system orders your driving record and credit report and generates pricing information based on the information you submitted.

Online price estimates makes it simple to compare prices but the process of having to visit each company’s website and repetitively type in the same information is a big time waster. But it is imperative to get many rate quotes if you are searching for better prices.

Compare rates the easy way

The smarter way to get multiple rate quotes utilizes a single form to return rates from several companies at one time. It saves time, requires much less work on your part, and makes online quotes much easier. Immediately after submitting the form, it gets priced and you can select any one of the resulting price quotes. If the quotes result in lower rates, you can click and sign and buy the policy. It takes less than 15 minutes and you will know how your current rates stack up.

In order to find out how much you’re overpaying now, click here and input your coverage information. If you have your current policy handy, we recommend you replicate the coverage information as shown on your current policy. This ensures you are getting comparison quotes for similar coverage.

These discounts can reduce insurance coverage rates

Insurance coverage is easily one of your largest bills, but there could be available discounts to cut the cost considerably. Some trigger automatically at the time of quoting, but lesser-known reductions have to be asked for prior to receiving the credit.

• Club Memberships – Being a member of a qualifying organization is a good way to get lower rates on your next insurance coverage statement.
• Senior Discount – If you qualify as a senior citizen, you are able to get a discount up to 10% on Focus coverage.
• Accident Free – Good drivers with no accidents pay much less as compared to accident-prone drivers.
• Home Ownership Discount – Owning your own home or condo can earn you a little savings due to the fact that maintaining a home is proof of financial responsibility.
• Switch and Save Discount – Some companies provide a discount for renewing your policy before your current coverage expires. The savings is around 10%.
• No Charge for an Accident – This one is not really a discount per se, but companies like Progressive, Allstate, and Geico will allow you to have one accident before raising your premiums as long as you don’t have any claims for a particular time prior to the accident.
• Low Mileage Discounts – Fewer annual miles on your Ford may allow you to get discounted premium rates on garaged vehicles.
• Drive Safe and Save – Accident-free drivers can save as much as half off their rates on Focus coverage compared to accident prone drivers.
• Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn lower rates if you buy some life insurance too.

While discounts sound great, it’s important to understand that most discounts do not apply to the entire policy premium. Most only reduce the cost of specific coverages such as comp or med pay. So when it seems like you could get a free insurance coverage policy, you’re out of luck.

Large insurance coverage companies and their possible discounts are detailed below.

• State Farm offers discounts for driver’s education, Steer Clear safe driver discount, Drive Safe & Save, accident-free, student away at school, and good driver.
• Geico offers premium reductions for emergency military deployment, military active duty, seat belt use, anti-lock brakes, good student, and driver training.
• SAFECO includes discounts for drive less, teen safety rewards, multi-car, anti-theft, and safe driver.
• Farmers Insurance has discounts for distant student, teen driver, multi-car, homeowner, alternative fuel, electronic funds transfer, and bundle discounts.
• AAA has savings for anti-theft, multi-policy, AAA membership discount, education and occupation, and good driver.
• USAA may include discounts for family discount, defensive driver, multi-vehicle, loyalty savings, safe driver, and annual mileage.

If you need lower rates, check with each insurance company what discounts are available to you. A few discounts might not be offered in your area. If you would like to view insurance coverage companies who offer insurance coverage discounts, click here.

When do I need an agent’s advice?

When it comes to choosing proper insurance coverage, there really is not a “perfect” insurance plan. Each situation is unique.

For instance, these questions may help you determine if your insurance needs could use an agent’s help.

• Can my teen drive my company car?
• How much can I save by bundling my policies?
• When should I not file a claim?
• How much liability do I need to cover my assets?
• Do I need higher collision deductibles?
• Does car insurance cover theft of personal property?
• Can I rent a car in Mexico?

If you don’t know the answers to 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.

Auto insurance coverage information

Understanding the coverages of your car insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring.

Coverage for liability

This protects you from damages or injuries you inflict on a person or their property that is your fault. It protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage protects against things like medical expenses, funeral expenses, medical services and attorney fees. The amount of liability coverage you purchase is up to you, but buy as much as you can afford.

Collision coverage

This will pay to fix damage to your Focus from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like hitting a parking meter, sustaining damage from a pot hole, driving through your garage door and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.

Comprehensive coverage

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like hitting a bird, damage from a tornado or hurricane and a tree branch falling on your vehicle. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for ambulance fees, doctor visits and rehabilitation expenses. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage