Cheaper 2008 Ford Focus Insurance Quotes

Trying to find cheaper insurance coverage rates for your Ford Focus? Comparing insurance coverage quotes online probably sounds like a formidable task if you are a beginner to quoting online. But don’t give up because it’s actually quite easy.

It’s smart to shop coverage around periodically because insurance coverage prices are rarely the same from one policy term to another. Even if you got the best deal for Focus insurance on your last policy there is a good chance you can find better rate quotes now. There are lots of tips to save on insurance coverage online but in this article, you’re going to get some great ideas on how to buy insurance coverage cheaper.

Finding affordable coverage is quite easy. If you currently have a car insurance policy, you should be able to reduce your rates substantially using these tips. Nevertheless, vehicle owners do need to learn how insurance companies price online insurance and use this information to your advantage.

Get lower-cost rates by earning discounts

Companies that sell car insurance don’t always advertise every possible discount in a way that’s easy to find, so we researched both the well known and also the more inconspicuous credits that you can use to lower your rates.

• Bundle and Save – If you can bundle your home and auto insurance with the same company you will save nearly 15% which can help you find inexpensive insurance coverage.
• Home Ownership Discount – Being a homeowner may trigger a policy discount on insurance because it demonstrates responsibility.
• Discount for Good Grades – Getting good grades can earn a discount of 20% or more. The discount lasts well after school through age 25.
• Life Insurance – If the company offers life insurance, you could get a discounted rate on car insurance if you buy a life insurance policy as well.
• Early Signing – A few insurance companies give discounts for switching policies before your current expiration date. You can save around 10% with this discount.
• Payment Method – If paying your policy premium upfront as opposed to paying monthly you may have a lower total premium amount.
• Driver Safety – Participating in a driver safety course can save you 5% or more depending on where you live.
• Active Military Service – Having a deployed family member can result in better prices.
• Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems may get savings of up to 25% or more.

Discounts lower rates, but many deductions do not apply to your bottom line cost. Most cut the price of certain insurance coverages like collision or personal injury protection. If you do the math and it seems like you could get a free insurance policy, company stockholders wouldn’t be very happy.

To view insurance companies who offer online insurance quotes, click here to view.

Insurance premium influencing factors

Smart consumers have a good feel for some of the elements that help determine the level of your policy premiums. If you know what positively or negatively impacts your premiums, this enables informed choices that could result in lower rates.

The following are some of the things used by your company to calculate your rate level.

• Safer vehicles can affect insurance rates – Driving a car with a theft deterrent system can help lower your premiums. Anti-theft features like OnStar, LoJack tracking, and tamper alarms all help prevent your car from being stolen.
• Cheaper premiums with safer cars – Vehicles that have high safety ratings cost less to insure. Safer cars help reduce the chance of injuries in an accident and lower injury rates means lower claim amounts and more competitive rates for policyholders.
• Discounts for auto and home policies – The majority of insurance companies provide lower prices to policyholders who carry more than one policy. It’s known as a multi-policy discount. Even with this discount, you may still want to compare other insurance prices to help ensure you have the lowest rates.
• Cheaper rates after marriage – Being married can get you a discount on insurance. Having a spouse generally demonstrates drivers are more financially stable and statistics prove married drivers get in fewer accidents.
• Do you save by driving less? – The more you drive annually the higher your rates will be. Almost all companies calculate prices based on how the vehicle is used. Cars that sit idle most of the time qualify for better rates than those that get driven frequently. Verify your insurance policy shows annual mileage. An incorrectly rated Focus can cost quite a bit.
• Rental and towing coverage may not be needed – Policies have optional add-on coverages that you can get tricked into buying if you aren’t careful. Insurance for coverage for rental cars, accident forgiveness, and extra life insurance coverage are probably not needed. They may seem like a good idea at first, but now you might not need them so remove them from your policy.
• Where you live factors in – Choosing to live in small towns and rural areas can save you money when it comes to insurance. Fewer drivers and short commutes means a lower chance of having an accident and a lower car theft rate. Residents of big cities regularly have more aggressive driving styles and a longer drive to work. Longer commute distances means more chance of being in an accident.
• Gender and car insurance prices – Over time, data shows that men are more aggressive behind the wheel. Now that doesn’t mean females are better at driving than males. Females and males are in at-fault accidents at a similar rate, but males cause more damage. Men also statistically get more serious tickets like driving under the influence (DUI). Males from age 16 to 21 are several times more likely to be in an accident so they pay the highest premiums.

Your car insurance coverage should be tailored to you

When it comes to buying the best car insurance coverage, there isn’t really a perfect coverage plan. Everyone’s situation is unique.

For instance, these questions may help you determine if your situation will benefit from professional help.

• Do I need PIP coverage since I have good health insurance?
• How much liability coverage do I need in my state?
• Can I rent a car in Mexico?
• Should I get collision insurance on every vehicle?
• Should I bundle my homeowners policy with my auto?
• What happens if I owe more than my 2008 Ford Focus is worth?
• Will I lose any money if I cancel my policy before it expires?
• Can my babysitter drive my car?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form.

Does auto insurance advertising bend the truth?

Auto insurance providers like 21st Century, Allstate and State Farm endlessly run television, radio, and online ads. All the ads tend to make the same promise of big savings if you just switch your policy. How is it possible that every company can cost less than your current company? It’s all in the numbers.

Many companies have an ideal profile for the type of driver that earns them the highest profit. For example, this type of risk profile could possibly be between the ages of 30 and 45, is a homeowner, and drives a car with an anti-theft system. Anyone that matches those criteria will get very good rates and therefore will save money with a new company.

Insureds who do not match those criteria will get higher rates which usually ends up with the driver buying from a lower-cost company. If you listen to the ad wording, they say “customers that switch” but not “everyone who gets a quote” can get the lowest rates when switching. That’s why companies can truthfully make the claims of big savings. This really illustrates why you really need to get a wide range of price quotes. It is impossible to guess which insurance companies will give you lower rates than your current company.

Specific coverage details

Learning about specific coverages of your insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Collision coverage protection

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

Collision coverage pays for claims like colliding with another moving vehicle, damaging your car on a curb, scraping a guard rail and driving through your garage door. 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. Drivers also have the option to raise the deductible to bring the cost down.

Liability car insurance

Liability coverage will cover damages or injuries you inflict on other’s property or people that is your fault. It protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

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

Liability can pay for claims like repair costs for stationary objects, funeral expenses, medical expenses and legal defense fees. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for immediate expenses for things like rehabilitation expenses, nursing services, prosthetic devices, dental work and surgery. They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as theft, hitting a bird, hitting a deer, rock chips in glass and falling objects. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Be a money saver!

Drivers leave their current company for any number of reasons including questionable increases in premium, being labeled a high risk driver, high prices and delays in paying claims. It doesn’t matter what your reason, finding the right auto insurance provider is not as difficult as it may seem.

When you buy insurance coverage online, you should never buy lower coverage limits just to save a few bucks. In too many instances, an insured dropped collision coverage and learned later they didn’t purchase enough coverage. The proper strategy is to purchase plenty of coverage at the lowest possible cost while not skimping on critical coverages.

Cheaper auto insurance is possible on the web and from local insurance agents, so you need to quote insurance coverage with both in order to have the best chance of saving money. Some auto insurance companies may not provide price quotes online and these small, regional companies only sell coverage through local independent agencies.

Additional information

• Young Drivers: The High Risk Years Video (iihs.org)
• State Car Insurance Guides (Geico)
• Speed and Speed Limit FAQ (iihs.org)
• Vehicle Insurance (Wikipedia)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)