Cheaper 2013 Ford Focus Car Insurance Rates

Trying to find the cheapest insurance for your Ford Focus can normally be a lot of work, but you can use these tips to save time.

There is a better way to find car insurance online and you need to know the quickest way to price shop coverage for a Ford and find the lowest price from local insurance agents and online providers.

If you have insurance now or are looking for a new policy, you can use this information to cut your premiums and still get good coverage. Finding affordable auto insurance is not that difficult. Vehicle owners just need to understand the best way to shop for auto insurance on the web.

How to compare free car insurance quotes

All major car insurance companies such as Progressive, Geico, Allstate and State Farm allow you to get pricing on the web. Getting online quotes is fairly straightforward as you simply enter the coverages you want into the quote form. When the form is submitted, their system obtains credit information and your driving record and generates pricing information determined by many factors.

Being able to quote online streamlines rate comparisons, but the process of having to visit each company’s website and repetitively type in the same information gets old quite quickly. Unfortunately, it is important to do this if you want to get better car insurance pricing.

There is a better way!

A less time-consuming method to find lower prices utilizes a single form that gets prices from a lot of companies. The form is fast, helps eliminate reptitive entry, and makes online shopping a lot less work. After your information is entered, it is rated with multiple companies and you can pick any or none of the quotes returned.

If a lower price is quoted, you can click and sign and purchase coverage. It just takes a couple of minutes and can result in significant savings.

To quickly find out if lower rates are available, click here to open in new window and begin entering your coverage information. To compare your current rates, we recommend you type in the insurance coverages just like they are on your policy. Doing this guarantees you will get a rate comparison based on the exact same insurance coverage.

Drivers can save with with these discounts

Insuring your vehicles can cost a lot, but you may be missing some discounts that can drop the cost substantially. Most are applied at the time you complete a quote, but less common discounts must be manually applied prior to getting the savings.

• Government Employee Discount – Employees or retirees of the government could cut as much as 10% off on Focus insurance with certain companies.
• Save over 55 – Mature drivers can possibly qualify for a slight reduction on a insurance quote on Focus insurance.
• Telematics Data Discounts – People who choose to allow their insurance company to study driving patterns remotely like Allstate’s Drivewise may see discounts if they show good driving skills.
• First Accident Forgiveness – This one is not really a discount per se, but a handful of insurance companies will turn a blind eye to one accident before raising your premiums so long as you haven’t had any claims prior to the accident.
• Student Driver Training – Cut your cost by having your teen driver participate in a local driver’s education class as it can save substantially.
• Defensive Driving Course – Passing a course teaching driver safety skills could save 5% or more if your company offers it.

It’s important to understand that most discounts do not apply the the whole policy. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like you can get free auto insurance, you aren’t that lucky.

Some companies that possibly offer most of these discounts include:

• State Farm
• Esurance
• Progressive
• Liberty Mutual
• Auto-Owners Insurance
• Geico

Before buying, ask all the companies which credits you are entitled to. Savings might not be offered everywhere. To view companies that offer some of these discounts, click here.

Why you might pay higher rates

An important part of buying insurance is that you know some of the factors that go into determining your insurance rates. When you know what positively or negatively determines base rates, this empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

• Too many claims will drive rates up – Car insurance companies provide better rates to policyholders who do not file claims often. If you frequently file small claims, you can expect increased rates or even have your policy non-renewed. Auto insurance is intended for claims that you cannot pay yourself.
• How old are your drivers? – Inexperience drivers have been known to be careless and easily distracted when driving with friends therefore insurance rates are much higher. Older, more experienced drivers are shown to be more cautious, statistically cause fewer accidents .
• Low credit history equals high premiums – An insured’s credit score can be a huge factor in calculating your insurance rates. If your credit leaves room for improvement, you could potentially save money when insuring your 2013 Ford Focus if you improve your credit rating. Consumers who have very good credit scores tend to file fewer claims and have better driving records as compared to drivers with poor credit scores.
• How many coverages with the same company – Most major companies provide a discount to policyholders that purchase more than one policy such as combining an auto and homeowners policy. Even with this discount applied, drivers will still want to compare rates to help ensure you have the lowest rates. Consumers may find lower rates by insuring with multiple companies.
• More stress means more cost – Did you know your insurance rates can be affected by your occupation? Careers like real estate brokers, architects and medical professionals generally have higher rates than average because of stressful work requirements and lots of time spent away from family. Other careers like professors, athletes and the unemployed pay the least on Focus insurance.
• Does insurance cost more for men? – Over the last 30 years, statistics show females are less aggressive when driving. This data doesn’t prove that men are WORSE drivers than women. Both sexes have at-fault accidents at a similar rate, but men cause more damage and cost insurance companies more money. Not only are claims higher, but men get higher numbers of serious violations like DWI (DUI) or reckless driving.
• Marriage can lower rates – Getting married helps lower the price on your insurance bill. Having a significant other may mean you are less irresponsible it has been statistically shown that married couples file fewer claims.
• Liability preserves assets – Liability insurance will protect you in the event that you are determined to be liable for damages caused by your negligence. It provides legal defense up to the limits shown on your policy. Liability insurance is quite affordable when compared to the cost of physical damage coverage, so drivers should make sure they buy enough to cover all assets.

Your situation helps dictate your coverage

When it comes to buying proper insurance coverage, there really is not a perfect coverage plan. Everyone’s situation is a little different.

For instance, these questions might help in determining whether your personal situation will benefit from professional help.

• Do I need to file an SR-22 for a DUI in my state?
• Why am I required to buy liability insurance?
• How much liability do I need to cover my assets?
• Is my teen driver covered when they drive my company car?
• If my 2013 Ford Focus is totaled, can I afford another vehicle?
• Does coverage extend to Mexico or Canada?
• When would I need rental car insurance?
• Do I pay less if my vehicle is kept in my garage?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and may give you better protection.

What auto insurance coverages do you need?

Knowing the specifics of your auto insurance policy aids in choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as colliding with another moving vehicle, hitting a parking meter, damaging your car on a curb and rolling your car. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as hitting a bird, damage from a tornado or hurricane, damage from flooding and rock chips in glass. The maximum amount your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries and also any damage incurred to your 2013 Ford Focus.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for surgery, X-ray expenses, EMT expenses and chiropractic care. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Liability coverage

Liability coverage protects you from damage or injury you incur to other people or property by causing an accident. This coverage protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Alternatively, you may have a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things like funeral expenses, court costs and legal defense fees. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Save your hard earned cash

When buying insurance coverage, don’t be tempted to buy poor coverage just to save money. There have been many situations where drivers have reduced comprehensive coverage or liability limits only to find out that the few dollars in savings costed them thousands. Your aim should be to find the BEST coverage at an affordable rate, not the least amount of coverage.

Some companies may not provide internet price quotes and many times these regional insurance providers only sell through local independent agents. Budget-conscious 2013 Ford Focus insurance can be purchased on the web and also from your neighborhood agents, so you need to compare both to get a complete price analysis.

In this article, we presented quite a bit of information on how to reduce 2013 Ford Focus insurance rates online. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. You may be surprised to find that the best price on auto insurance is with the least-expected company.

Even more information is available at these sites:

• Get the Right Protection (InsureUonline.org)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• State Car Insurance Guides (Geico)
• Eight Auto Insurance Myths (Insurance Information Insitute)