Save on 2007 Ford Focus Insurance Cost

Want better insurance coverage rates for your Ford Focus? Getting the most affordable insurance coverage over the internet may at first seem to be somewhat intimidating for vehicle owners new to quoting and price shopping over the internet. With such a large choice of companies, how are vehicle owners able to efficiently compare the different rates to find the best price?

It’s a good idea to get comparison quotes as often as possible because insurance coverage prices change frequently. If you had the best rate for Focus coverage last year the chances are good that you can find a lower premium rate today. There is a lot of wrong information about insurance coverage on the web, but I’m going to show you some of the best techniques to slash your insurance coverage rates.

How to lower your auto insurance cost

The majority of larger companies like Geico, State Farm and Progressive make it easy to get coverage prices on their websites. Getting quotes is pretty painless as you simply enter into the quote form. Upon sending the form, the system sends out for your driving record and credit report and returns a price quote based on the data you entered.

Online quotes makes it a lot easier to compare rates but the work required to visit different websites and complete many quote forms can be a bit tiresome and repetitive. But it’s very important to get many rate quotes in order to find the lowest auto insurance rates.

Rate comparisons made easy

The preferred way to locate the lowest prices is to use a quote form to return rates from more than one company. It saves time, requires less work, and makes quoting online much more efficient. Immediately after you send the form, it is rated with multiple companies and you can pick any or none of the quote results. If a lower price is quoted, you can click and sign and purchase coverage. The entire process can be completed in a matter of minutes and can result in significant savings.

To get comparison pricing now, click here to open in new window and complete the simple form. If you have your current policy handy, we recommend you copy exactly as they are listed on your policy. Using the same limits helps guarantee you will have a price comparison based on identical coverages.

Car insurance companies are expert advertisers

Companies like Geico, State Farm and Progressive constantly bombard you with television and radio advertisements. All the companies advertise the message of big savings just by moving your car insurance policy to them. How can each company save you money? It’s all in the numbers.

Many companies have an ideal profile for the type of driver that earns them the highest profit. A good example of this type of insured might be between 30 and 50, is a homeowner, and has great credit. Anybody that fits those parameters will most likely get cheap premium rates and therefore will save if they switch.

Drivers who fall outside this stringent profile may receive more expensive rates which usually ends up with the customer not buying. The ads state “drivers that switch” not “all people who quote” can save as much as they claim. This is how companies can truthfully make claims like that. This really drives home the point why it’s extremely important to get a wide range of price quotes. It’s impossible to know which insurance companies will have the lowest rates.

Seven things that determine your insurance costs

The best way to find cheaper insurance coverage is to take a look at the different types of things that help calculate your premiums. When consumers understand what determines premiums, this allows you to make educated decisions that may result in cheaper rates. Many factors are used in the calculation when you get a price on insurance. Most are fairly basic such as your driving record, although others are not quite as obvious like where you live or your vehicle rating.

• Don’t cut corners with liability coverage – The liability section of your policy kicks in if ever a jury decides you are liable for personal injury or accident damage. Your liability coverage provides you with a defense in court to attempt to prove you were not liable. Liability insurance is pretty cheap when compared to the cost of physical damage coverage, so drivers should buy more than the minimum limits required by law.
• Buy a safe car and pay less – Vehicles with high crash test scores get lower rates. Safer cars result in less severe injuries and fewer injuries means less money paid by your insurance company passed on to you as lower rates. If your Ford Focus has at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may pay a lower rate.
• You may save more by consolidating policies – Most companies afford better rates to customers who consolidate policies with them such as combining an auto and homeowners policy. The discount can be ten or even up to twenty percent in some cases. Even if you’re getting this discount you may still want to check prices from other companies to make sure you are getting the best deal.There is a chance you can find a better deal by buying from different companies
• Avoid tickets and save – Your driving citation history impacts premiums far more than you think. Just one moving violation can bump up the cost twenty percent or more. Good drivers receive lower rates than their less careful counterparts. Drivers who have gotten serious citations such as hit and run, DWI or reckless driving convictions may face state-mandated requirements to prove financial responsibility with their state motor vehicle department in order to legally drive.
• Discounts for GPS tracking and theft deterrents – Choosing a vehicle with a theft deterrent system can help lower your premiums. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping vehicle theft.
• Save money with higher physical damage deductibles – The deductibles you choose are the amount of money you are willing to pay before a claim is paid by your company. Physical damage coverage, also known as collision and other-than-collision, covers damage that occurs to your car. Some instances where coverage would apply are a windshield broken by a bird, fire damage, and having a roll-over accident. The more of the claim you have to pay, the less money you will pay for insurance coverage for Focus coverage.
• Do you know you’re credit rating? – Credit score will be a significant factor in calculating your insurance coverage rates. Drivers who have high credit ratings tend to be better drivers and file fewer claims than drivers who have lower ratings. If your credit leaves room for improvement, you could pay less to insure your 2007 Ford Focus by taking the time to improve your credit score.

Auto Insurance Discounts

Auto insurance is expensive, but there are discounts available that could drop your premiums quite a bit. Some discounts apply automatically at the time of purchase, but a few need to be specifically requested before you get the savings.

• Pay Early and Save – If paying your policy premium upfront rather than spreading payments over time you may have a lower total premium amount.
• Switch and Save Discount – Some insurance companies reward drivers for renewing your policy early. This discount can save up to 10%.
• Senior Citizen Discount – If you’re over the age of 55, you may receive reduced rates for Focus coverage.
• Bundled Policy Discount – If you can bundle your auto and homeowners insurance with the same insurance company they may give you a discount of 10% to 20% off each policy.
• Multi-car Discount – Having multiple cars or trucks with the same auto insurance company can get a discount on all vehicles.
• Homeowners Savings – Just owning your own home can save a few bucks since owning and maintaining a home demonstrates responsibility.
• Safety Course Discount – Passing a course in defensive driving may get you a small discount depending on where you live.

Discounts save money, but please remember that most of the big mark downs will not be given to all coverage premiums. The majority will only reduce the price of certain insurance coverages like medical payments or collision. Even though it appears all those discounts means the company will pay you, it just doesn’t work that way.

The best auto insurance companies and some of their more popular discounts are included below.

• State Farm offers premium reductions for good student, driver’s education, multiple policy, passive restraint, defensive driving training, student away at school, and good driver.
• Geico has savings for driver training, membership and employees, emergency military deployment, anti-lock brakes, daytime running lights, and good student.
• Progressive may include discounts for homeowner, multi-vehicle, continuous coverage, online quote discount, multi-policy, and online signing.
• 21st Century discounts include 55 and older, automatic seat belts, teen driver, defensive driver, air bags, and driver training.
• American Family offers discounts for Steer into Savings, multi-vehicle, mySafetyValet, bundled insurance, accident-free, and defensive driver.
• The Hartford offers discounts including defensive driver, bundle, driver training, anti-theft, and air bag.
• AAA has discounts for AAA membership discount, multi-policy, anti-theft, good student, and multi-car.

If you need lower rates, check with all the companies what discounts are available to you. Depending on the company, some discounts may not apply to policies in your area. For a list of companies that can offer you the previously mentioned discounts, click this link.

Tailor your car insurance coverage to you

When it comes to choosing adequate coverage for your vehicles, there really is not a best way to insure your cars. Every situation is different.

These are some specific questions may help highlight if your insurance needs could use an agent’s help.

• If I drive on a suspended license am I covered?
• Am I covered by my spouse’s policy after a separation?
• What is no-fault insurance?
• Should I carry comprehensive and collision coverage?
• Am I covered when driving in Canada or Mexico?
• Should I file a claim if it’s only slightly more than my deductible?
• Who is covered by my policy?
• I don’t drive much so do I pay less?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form.

Information about specific coverages

Knowing the specifics of insurance helps when choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Coverage for liability

This protects you from damage or injury you incur to other people or property in an accident. This coverage protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against things such as attorney fees, emergency aid, bail bonds, legal defense fees and pain and suffering. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like falling objects, theft, damage from getting keyed and hitting a bird. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for collisions

Collision insurance will pay to fix damage to your Focus from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like rolling your car, hitting a mailbox and hitting a parking meter. 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 choose a higher deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for bills like prosthetic devices, EMT expenses and hospital visits. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Ford Focus.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Keep this in mind

When you buy insurance coverage online, do not skimp on critical coverages to save a buck or two. There are too many instances where consumers will sacrifice uninsured motorist or liability limits and learned later that they should have had better coverage. Your goal is to buy a smart amount of coverage at an affordable rate.

Some insurance companies do not offer rate quotes online regional insurance providers provide coverage only through independent insurance agents. Cheaper insurance can be purchased both online as well as from independent agents, and you need to comparison shop both to have the best selection.

We’ve covered quite a bit of information on how to get a better price on 2007 Ford Focus insurance. The key thing to remember is the more rate quotes you have, the better chance you’ll have of finding the cheapest insurance coverage. Consumers may even find the biggest savings come from the least-expected company.

Much more information about insurance can be found on the following sites:

• Smart Auto Insurance Tips (Insurance Information Insitute)
• Who Has the Cheapest Tulsa Auto Insurance Rates for a Ford Focus? (TulsaCoverage.com)
• Collision Coverage (Liberty Mutual)
• Side Impact Crash Tests (iihs.org)
• Rental Reimbursement Coverage (Allstate)
• Auto Theft Statistics (Insurance Information Insitute)