2011 Ford Focus Insurance Rates

Searching for better insurance prices for a Ford Focus could be a lot of work, but you can follow these tips to make it easier. There is a right way and a wrong way to compare car insurance rates so we’re going to tell you the quickest way to get price quotes for a Ford and get the lowest possible price.

Shop insurance coverage online

Most of the larger companies give pricing on their websites. Getting quotes is pretty painless as you just enter your coverage information into the form. When complete, the quote system automatically retrieves reports for credit and driving violations and quotes a price.

Online price quotes helps simplify price comparisons, but the time required to go to each company’s website and repetitively enter the same data into a form is monotonous and tiresome. But it’s also necessary to compare as many rates as possible in order to find better prices.

The better way to compare rates

The preferred way to find cheaper rates requires only one form to get prices from a bunch of companies at once. The form is fast, reduces the work, and makes quoting online much easier. As soon as you send your information, it is rated and you can select any of the resulting price quotes. If a lower price is quoted, you can click and sign and purchase coverage. The whole process just takes a couple of minutes and could lower your rates considerably.

If you want to compare pricing, simply click here to open in new window and input your coverage information. If you have a policy now, it’s recommended you input the coverage information identical to your current policy. This guarantees you will receive a fair comparison for the exact same coverage.

How insurers calculate Ford Focus insurance costs

Many different elements are used in the calculation when you get your auto insurance bill. A few of the factors are predictable like a motor vehicle report, but other factors are not as apparent like where you live or your commute time.When buying insurance it’s important to understand a few of the rating criteria that go into determining your insurance rates. When you understand what influences your rates, this allows you to make good choices that could result in cheaper rates.

The list below includes a few of the “ingredients” insurance companies consider when setting your rate level.

• The higher your credit history the lower your costs – A driver’s credit rating is a big factor in determining premium rates. So if your credit is lower than you’d like, you could be paying less to insure your 2011 Ford Focus if you improve your credit rating. People that have very high credit ratings tend to file fewer claims than drivers with poor credit scores.
• Small claims can cost you – Companies provide better rates to policyholders who are claim-free. If you are the type of insured that files lots of claims you can definitely plan on much higher rates or policy non-renewal. Insurance coverage is intended for major claims that would cause financial hardship.
• Never allow your coverage to lapse – Driving any period of time without insurance is illegal and you will pay a penalty because you let your coverage have a gap. And not only will insurance be more expensive, failure to provide proof of insurance could result in a fine, jail time, or a revoked license.
• Better drivers pay lower premiums – Your driving record impacts premiums far more than you think. Getting just one chargable violation may cause rates to rise by as much as twenty percent. Drivers with clean records have lower premiums as compared to those with violations. Drivers who get severe violations like reckless driving, hit and run or driving under the influence might be required by their state to complete a SR-22 with their state’s licensing department in order to prevent a license revocation.
• Single vs. married – Having a wife or husband may earn you lower rates on insurance. Marriage translates into being more financially stable and statistics prove married drivers get in fewer accidents.
• Theft deterrents save – Selecting a car model that has a built-in theft deterrent system can help lower your premiums. Systems that thwart theives such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help prevent your car from being stolen.

Use discounts on insurance coverage

Companies that sell car insurance don’t list all their discounts in an easy-to-find place, so the list below details both well-publicized as well as the least known credits that you can use to lower your rates.

• Accident Forgiveness – This one isn’t a discount, but some insurance companies may permit one accident before hitting you with a surcharge if you have no claims for a certain period of time.
• Lower Rates for Military – Being on active duty in the military could mean lower insurance coverage rates.
• Home Ownership Discount – Just owning your own home can get you a discount because maintaining a house is proof of financial responsibility.
• Theft Deterent System – Vehicles with anti-theft systems can help prevent theft and can earn a small discount on your policy.
• Paper-free Discount – Some of the larger companies will give you a small discount for buying a policy and signing up online.
• Payment Method – If you pay your entire premium ahead of time as opposed to paying monthly you may reduce your total bill.

While discounts sound great, it’s important to understand that some credits don’t apply to the overall cost of the policy. Most cut the price of certain insurance coverages like comprehensive or collision. So even though you would think having all the discounts means you get insurance for free, nobody gets a free ride.

A few popular companies and their offered discounts can be read below.

• Farmers Insurance may offer discounts for youthful driver, bundle discounts, electronic funds transfer, multi-car, and pay in full.
• State Farm discounts include accident-free, Drive Safe & Save, multiple policy, good student, passive restraint, and student away at school.
• Liberty Mutual has savings for newly retired, multi-policy, new graduate, safety features, exclusive group savings, and teen driver discount.
• MetLife policyholders can earn discounts including good student, claim-free, multi-policy, good driver, defensive driver, accident-free
• Progressive offers discounts for online signing, continuous coverage, multi-policy, multi-vehicle, and online quote discount.

Double check with all the companies which discounts they offer. Depending on the company, some discounts may not apply in your area. To choose insurance companies who offer online insurance coverage quotes, follow this link.

Tailor your insurance coverage coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

For example, these questions can aid in determining if your insurance needs would benefit from professional advice.

• When should I remove comp and collision on my 2011 Ford Focus?
• Are rock chip repairs covered?
• What if I total my 2011 Ford Focus and owe more than it’s worth?
• How do I buy GAP insurance?
• Am I covered when delivering products for my home-based business?
• Can I get a multi-policy discount?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• I don’t drive much so do I pay less?
• Can I rent a car in Mexico?
• How many claims can I have before being cancelled?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and may give you better protection.

Insurance coverage options for a 2011 Ford Focus

Knowing the specifics of your policy helps when choosing which coverages you need for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Liability insurance – This will cover damage that occurs to other people or property that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability insurance covers things such as loss of income, funeral expenses, repair bills for other people’s vehicles and court costs. The amount of liability coverage you purchase is a personal decision, but buy as large an amount as possible.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include 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 liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive coverage – This 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 theft, a tree branch falling on your vehicle, damage from a tornado or hurricane, a broken windshield and hitting a deer. The most you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage – Collision insurance pays for damage to your Focus resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as hitting a mailbox, damaging your car on a curb, colliding with a tree and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as ambulance fees, doctor visits and chiropractic care. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Shop. Compare. Save.

When searching for the cheapest insurance coverage quotes, never buy poor coverage just to save money. In many cases, an insured cut physical damage coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your goal should be to purchase a proper amount of coverage at an affordable rate, but do not skimp to save money.

The cheapest 2011 Ford Focus insurance is attainable on the web in addition to many insurance agents, so you should compare both in order to have the best price selection to choose from. A few companies may not provide rate quotes online and many times these smaller providers prefer to sell through independent agents.

Insureds switch companies for a number of reasons such as denial of a claim, extreme rates for teen drivers, questionable increases in premium and high rates after DUI convictions. It doesn’t matter what your reason, switching companies can be pretty painless.

Additional information

• Prom Night Tips for Teen Drivers (State Farm)
• Collision Coverage (Liberty Mutual)
• Get the Right Protection (InsureUonline.org)
• Red Light Cameras (State Farm)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• Older Drivers FAQ (iihs.org)