Compare 2004 Ford Focus Insurance Quotes

Having to pay for high-priced Ford Focus insurance can bleed your savings and require stricter spending habits. Doing a price comparison is free, only takes a few minutes, and is a good way to make sure you’re not throwing money away.

People have many insurers to purchase coverage from, and though it is a good thing to be able to choose, lots of choices makes it harder to compare company pricing.

It’s a good idea to quote other rates yearly because insurance coverage prices are rarely the same from one policy term to another. Despite the fact that you may have had the best quotes for Focus coverage a few years ago you can probably find a lower rate today. Block out anything you think you know about insurance coverage because you’re going to learn the fastest way to find better rates and still maintain coverage.

How car insurance companies determine Ford Focus insurance prices

Many things are part of the calculation when pricing auto insurance. Some factors are common sense like your driving record, but other factors are not as apparent such as your marital status and annual miles driven.A large part of saving on insurance coverage is knowing some of the factors that help calculate the rates you pay for insurance coverage. If you understand what impacts premium levels, this helps enable you to make changes that could help you find lower insurance coverage prices.

• Insure your auto and home with one company – Most larger insurance companies allow lower prices to buyers who have multiple policies with them such as combining an auto and homeowners policy. Even if you qualify for this discount already, consumers should still get quotes from other companies to make sure you are getting the best deal.
• Premiums are affected by your credit rating – Having a bad credit rating will be a significant factor in determining your rates. If your credit score is low, you may save money insuring your 2004 Ford Focus by repairing your credit. People with high credit ratings tend to be less risk to insure than drivers who have lower ratings.
• Physical damage deductibles – Physical damage protection, also known as collision and other-than-collision, helps pay for damage to your vehicle. Some examples of claims that would be covered would be collision with another vehicle, damage from fire, or theft. Deductibles for physical damage are the amount of money you are willing to pay before your insurance coverage pays a claim. The higher the amount the insured has to pay upfront, the less your company will charge you for insurance for Focus coverage.
• Your liability protection limits – Your policy’s liability coverage will protect you if a jury decides you are liable for causing damage or personal injury in an accident. Your liability coverage provides you with a defense in court to attempt to prove you were not liable. It is affordable coverage compared to comp and collision, so insureds should have plenty of protection for their assets.
• Employer impacts insurance coverage rates – Occupational choices like military personnelpolice officers and stock brokers tend to have the highest rates due to intense work situations and incredibly demanding work hours. Conversely, jobs such as farmers, engineers and performers pay the least for Focus coverage.

Don’t miss with these discounts

Some insurers do not list all disounts very well, so the following list contains some of the more common and also the lesser-known car insurance savings.

• Anti-lock Brake Discount – Cars and trucks that have anti-lock braking systems are safer to drive so you can save 10 percent or more.
• Service Members Pay Less – Being deployed in the military could be rewarded with lower rates.
• Drive Less and Save – Fewer annual miles on your Ford could qualify for lower rates due to less chance of an accident.
• Passive Restraints – Factory options such as air bags or automatic seat belts can qualify for discounts of 20 to 30 percent.
• Senior Citizen Discount – Mature drivers could receive a slight reduction on a car insurance quote for Focus coverage.

While discounts sound great, it’s important to understand that most of the big mark downs will not be given to the entire cost. A few only apply to the cost of specific coverages such as medical payments or collision. If you do the math and it seems like you can get free auto insurance, it doesn’t quite work that way.

A partial list of companies that possibly offer these discounts are:

• Progressive
• The Hartford
• Mercury Insurance
• Geico
• AAA
• State Farm

Double check with all companies you are considering to apply every possible discount. Some credits may not be offered in your area. To find insurance companies that offer some of these discounts, click this link.

Your situation helps dictate your coverage

When choosing the best insurance coverage, there isn’t really a cookie cutter policy. Every situation is different so your insurance needs to address that. Here are some questions about coverages that can help discover if your insurance needs will benefit from professional help.

• Do I have coverage if my license is suspended?
• Is my custom paint covered by insurance?
• What are the best liability limits?
• Do I have coverage when pulling a U-Haul trailer?
• How many claims can I have before being cancelled?
• Why am I be forced to buy a membership to get insurance from some companies?
• Are my friends covered when driving my 2004 Ford Focus?

If you can’t answer these questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Information about specific coverages

Understanding the coverages of your policy can help you determine appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are the usual coverages offered by car insurance companies.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for expenses such as hospital visits, nursing services and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is not available in all states and may carry a deductible

Auto collision coverage

This coverage covers damage to your Focus resulting from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims such as rolling your car, driving through your garage door and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Coverage for liability

This coverage can cover damage or injury you incur to people or other property. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things such as emergency aid, funeral expenses, court costs, loss of income and attorney fees. How much coverage you buy is up to you, but buy higher limits if possible.

Comprehensive car insurance

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, falling objects, theft, vandalism and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Ford Focus.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Spend less. Save more.

When getting car insurance quotes online, never skimp on critical coverages to save a buck or two. In many cases, drivers have reduced full coverage only to regret that their decision to reduce coverage ended up costing them more. Your objective should be to find the BEST coverage at the best price, but don’t skip important coverages to save money.

We just covered many tips how you can get a better price on 2004 Ford Focus insurance. The key thing to remember is the more companies you get premium rates for, the better likelihood of getting low cost car insurance. You may be surprised to find that the lowest car insurance rates come from a small local company. Some small companies can often insure niche markets at a lower cost compared to the large companies like State Farm and Allstate.

Even more information is available at these sites:

• Distracted Driving (Insurance Information Insitute)
• Young Drivers: The High Risk Years Video (iihs.org)
• Get the Right Protection (InsureUonline.org)
• How to Avoid Common Accidents (State Farm)
• Smart Auto Insurance Tips (Insurance Information Insitute)