2006 Ford Focus Car Insurance Rates – 10 Savings Tips

Searching for low-cost insurance for a Ford Focus can normally be a lot of work, but you can learn these tips to make it easier.

There are more efficient ways to shop for insurance coverage so we’re going to tell you the quickest way to compare rates for a Ford and obtain the best price possible from both online companies and local agents.

How to compare car insurance quotes

Most major insurance companies like Allstate, GEICO and Progressive allow consumers to get insurance quotes on their websites. Comparing prices online is pretty easy because it’s just a matter of typing in as detailed in the form. When complete, the quote system obtains information on your driving record and credit history and generates pricing information based on the information you submitted.

Online price quotes helps simplify price comparisons, but the time required to go to different websites and type in your information can get tiresome after awhile. But it is imperative to compare as many rates as possible in order to get the lowest car insurance rates.

There is an easier way to compare rates

The quickest way to get multiple rate quotes utilizes a single form that analyzes rates from many companies. It saves time, requires much less work on your part, and makes price shopping online much easier. As soon as the form is sent, your coverage is rated and you can select any one of the quotes that you receive.

If the quotes result in lower rates, you simply finish the application and buy the new coverage. It can be completed in a matter of minutes and you will know how your current rates stack up.

In order to get comparison pricing now, click here to open in new window and complete the simple form. To compare your current rates, we recommend you duplicate the limits and deductibles exactly as they are listed on your policy. This ensures you’re receiving an apples-to-apples comparison based on the exact same insurance coverage.

Switch companies and save? Really?

Consumers constantly see and hear ads that promise big savings by Allstate, GEICO and Progressive. They all seem to try to convey promises that you’ll save big after switching your auto insurance coverage to their company.

Is it even possible that every company can offer you a better deal? Just pay attention to how they say it.

All companies offer their best rates for the type of driver that makes them money. One example of a desirable risk should be over the age of 35, has a low-risk occupation, and drives less than 10,000 miles a year. A customer getting a price quote who fits those characteristics will probably get the lowest prices and most likely will cut their rates substantially.

People who do not fit the “perfect” profile will be quoted higher premiums which usually ends up with the driver buying from a lower-cost company. Company advertisements say “people who switch” but not “everyone who gets a quote” save that kind of money. That’s why insurance companies can make those claims.

Because of the profiling, it’s extremely important to compare as many free insurance coverage quotes as you can. Because without a comparison, you cannot know which auto insurance company will have the best rates for your profile.

Take advantage of every insurance discount

Properly insuring your vehicles can get expensive, but you may qualify for discounts that may help make it more affordable. Certain reductions will be credited when you get a quote, but a few must be manually applied before being credited.

  • Senior Citizens – Drivers that qualify as senior citizens may receive a small decrease in premiums on Focus coverage.
  • Military Discounts – Having a family member in the military could be rewarded with lower insurance rates.
  • Distant Student Discount – Youth drivers who are enrolled in higher education away from home and do not have a car could get you a discount.
  • Drive Less and Save – Low mileage vehicles can qualify you for discounted prices on garaged vehicles.
  • Theft Deterent System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and can earn a small discount on your policy.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can avoid monthly service charges.
  • Multi-Vehicle Discounts – Buying insurance for multiple cars or trucks on one policy can get a discount for every vehicle.
  • Home Ownership Discount – Just being a homeowner may earn you a small savings because of the fact that having a home requires personal responsibility.
  • Policy Bundle Discount – If you can bundle your auto and homeowners insurance with the same insurance company you could get a discount of as much as 10 to 15 percent.
  • Cautious Driver Discount – Drivers who avoid accidents can save as much as half off their rates on Focus coverage than drivers with accidents.

While discounts sound great, it’s important to understand that most discounts do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as comp or med pay. So when the math indicates adding up those discounts means a free policy, it just doesn’t work that way.

To locate companies who offer discounts, click this link.

How to know if you need help

When it comes to choosing adequate coverage, there really is no cookie cutter policy. Everyone’s situation is a little different.

Here are some questions about coverages that can aid in determining whether you will benefit from professional help.

  • Am I covered by my spouse’s policy after a separation?
  • Are rock chip repairs covered?
  • Am I covered when driving a rental car?
  • Should I bundle my homeowners policy with my auto?
  • When should my teen driver be added to my policy?
  • What can I do if my company won’t pay a claim?
  • How high should my uninsured/underinsured coverage be in my state?
  • What is the ISO rating for a 2006 Ford Focus?
  • Does liability extend to a camper or trailer?

If it’s difficult to answer those questions, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and can provide invaluable advice.

Specifics of your insurance policy

Learning about specific coverages of your insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Comprehensive coverage

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like vandalism, a broken windshield, falling objects and hitting a bird. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as ambulance fees, surgery, pain medications and hospital visits. The coverages can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers if you are hit as a while walking down the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability coverages

This coverage provides protection from damage or injury you incur to a person or their property by causing an accident. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against things like medical services, loss of income, attorney fees, funeral expenses and emergency aid. How much liability should you purchase? That is a personal decision, but consider buying as high a limit as you can afford.

Collision protection

Collision coverage pays for damage to your Focus resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things like crashing into a ditch, sustaining damage from a pot hole, damaging your car on a curb and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage

This coverage provides protection from other drivers when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your Ford Focus.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea. Normally the UM/UIM limits do not exceed the liability coverage limits.

Shop Smart and Save

You just read many tips how you can compare 2006 Ford Focus insurance prices online. The key concept to understand is the more times you quote, the better likelihood of getting inexpensive insurance coverage. You may be surprised to find that the lowest prices come from some of the smallest insurance companies.

The cheapest 2006 Ford Focus insurance can be purchased online as well as from insurance agents, so get free insurance coverage quotes from both of them so you have a total pricing picture. Some insurance providers may not offer online quoting and usually these regional insurance providers only sell through local independent agents.

When buying insurance coverage, it’s a bad idea to reduce coverage to reduce premium. Too many times, someone sacrificed liability limits or collision coverage only to discover later that the savings was not a smart move. The goal is to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.

Additional auto insurance information can be found at the links below

Comments About 2006 Ford Focus Insurance

  1. Ellen Cameron

    I switched to 21st Century. Quoted good rates in Raleigh, NC. Good multi-policy discounts.

  2. Shaquita Abbott

    I’m in Evansville, Indiana. Got car insurance prices from USAA, AAA, GMAC, and Safeco for my 2006 Ford Focus and I’m now saving $53 a month. Left Sentry to switch. Even increased coverage a bit. They offer free online rate quotes.

  3. Jess Rowland

    What are minimum liability limits required in Hawaii?

  4. Caroll Lamb

    Liked the article. Live in the northern part of Rutland, VT. Quoted with GEICO, Liberty Mutual, and Esurance for my Ford and saved $398 a year.

  5. Jordan Gallagher

    I can’t pay high rates. I live on the south side of Los Angeles, California. Received rates from Allstate, AIG Insurance, Encompass, and Liberty Mutual for my Ford and saved $409 a year. Thankfully I’m not a high risk driver. It was easy to get rates.

  6. Ela Gonzales

    Not sure if this is cheap. Checking in from Lewiston, Maine. Quoted with AAA, Sentry, and some smaller one I can’t remember the name of for my 2006 Ford Focus and cut my rates about $530 a year. Was with USAA. Hardly afford to drive anymore.

  7. Chauncey Joyce

    Allstate is pretty cheap in New Hampshire! :)