Do you get exhausted from wondering where the money will come from each month for insurance coverage? You are no different than millions of other consumers. Due to the fact that there are so many insurance providers from which to choose, it can be diffult for drivers to pick the best insurer.
It’s important to get comparison quotes once or twice a year due to the fact that insurance rates trend upward over time. Even if you think you had the best deal for Focus coverage two years ago you can probably find a lower rate today. Forget anything you know (or think you know) about insurance coverage because you’re about to learn the best methods to save money, get proper coverage and the best rates.
Shopping for lower insurance rates can be exhausting if you don’t know the best way to get rate quotes. You could spend your day talking to agents in your area, or you can stay home and use online quoting to get rate comparisons in just a few minutes.
Most major companies are enrolled in a marketplace where prospective buyers send in one quote, and at least one company can give them a price based on that data. This eliminates the need for quotation requests to each company.
To compare rates using this form now click here (opens in new window).
The one downside to comparing rates this way is you are unable to specify the insurers to get quotes from. So if you want to choose specific insurance companies to compare prices, we have a listing of insurance companies in your area. View list of insurance companies.
It doesn’t matter which method you choose, just ensure you’re using the exact same information for each quote you get. If you enter different limits and deductibles on each one it will be next to impossible to truly determine the lowest rate.
Some providers don’t always publicize all disounts very well, so the next list breaks down some of the best known as well as the least known credits available to lower your premiums when you buy insurance coverage online.
One thing to note about discounts is that most discounts do not apply to your bottom line cost. A few only apply to the cost of specific coverages such as medical payments or collision. Just because you may think all the discounts add up to a free policy, you aren’t that lucky.
To view providers that offer discounts, click here to view.
When choosing adequate coverage for your personal vehicles, there is no single plan that fits everyone. Your needs are not the same as everyone else’s so your insurance should reflect that For example, these questions may help you determine whether you might need an agent’s assistance.
If you’re not sure about those questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.
Understanding the coverages of your car insurance policy aids in choosing the right coverages and the correct deductibles and limits. Car insurance terms can be ambiguous and coverage can change by endorsement. Shown next are the usual coverages offered by car insurance companies.
Coverage for uninsured or underinsured drivers
Your UM/UIM coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for injuries to you and your family as well as damage to your Ford Focus.
Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Frequently these limits are identical to your policy’s liability coverage.
This coverage provides protection from damage or injury you incur to other’s property or people by causing an accident. It protects you against other people’s claims. It does not cover your injuries or vehicle damage.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Another option is one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.
Liability can pay for claims like bail bonds, emergency aid and loss of income. How much liability should you purchase? That is a decision to put some thought into, but you should buy as high a limit as you can afford.
Comprehensive car insurance
Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive insurance covers claims such as a broken windshield, damage from a tornado or hurricane, rock chips in glass, hitting a deer and a tree branch falling on your vehicle. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Collision insurance covers damage to your Focus from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against claims such as backing into a parked car, scraping a guard rail, crashing into a ditch and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.
Coverage for medical expenses
Med pay and PIP coverage provide coverage for expenses for things like doctor visits, rehabilitation expenses, nursing services and prosthetic devices. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay
As you go through the steps to switch your coverage, it’s not a good idea to reduce needed coverages to save money. In too many instances, an insured cut full coverage to discover at claim time they didn’t purchase enough coverage. The goal is to buy the best coverage you can find for the lowest cost, not the least amount of coverage.
Some insurance providers may not provide online price quotes and usually these regional carriers only sell coverage through local independent agencies. Cheap 2010 Ford Focus insurance can be found both online and from local agencies, and you should compare rates from both to have the best rate selection.
Additional insurance information can be read at the links below