View 2014 Ford Focus Insurance Cost

Searching for lower insurance coverage rates for your Ford Focus? When searching for lower-cost insurance, do you get frustrated by the sheer number of insurance coverage choices that you can choose from? You have so many choices that it can easily turn into a big hassle to lower your premium rates.

Smart consumers take time to get comparison quotes yearly because insurance prices are adjusted regularly by insurance companies. Even if you got the lowest rates for Focus coverage two years ago there may be better deals available now. Block out anything you think you know about insurance coverage because I’m going to let you in on the secrets to one of the best ways to buy cheaper insurance coverage.

Choosing the best insurance company for you is easy if you know what you’re doing. If you have car insurance now, you will most likely be able to lower your premiums substantially using these methods. Nevertheless, vehicle owners should learn the way insurance companies compete online because it can help you find the best coverage.

Cheapest insurance price quotes

The are a couple different ways of comparing price quotes from many insurance companies in your state. The quickest method to find cheaper 2014 Ford Focus rates involves getting comparison quotes online. This is quite simple and can be completed using a couple different methods.

  1. The single most time-saving way to get quotes is to use a rate comparison form click here to open form in new window. This style of form keeps you from doing separate quotes for each price estimate. Just one form gets rate comparisons direct from many companies. Recommended for those who want to invest the least amount of time.
  2. A harder way to get quotes online is spending the time to visit each company’s website and get a separate price quote. For examples sake, we’ll assume you want rates from State Farm, GEICO and Travelers. To find out each rate you need to spend time going to each site individually to enter your coverage information, which can take a lot of time.

    To view a list of companies in your area, click here.

It’s your choice how you get your quotes, but make sure you use identical coverages for each comparison quote. If you have different limits and deductibles on each one it will be next to impossible to find the best deal for your Ford Focus. Quoting even small variations in coverages may result in a large different in cost. Just remember that comparing all the rates in your area gives you a better chance of getting more affordable insurance.

Save $493 a year. For real?

Auto insurance providers like State Farm, GEICO and Progressive constantly bombard you with television and radio advertisements. They all advertise claims that drivers can save some big amount if you change your coverage. How is it possible that every company can give you a better price? Here is how they do it.

Different companies have a certain “appetite” for the type of driver that will add to their bottom line. A good example of a profitable customer might be between the ages of 30 and 45, insures multiple vehicles, and chooses high deductibles. Anybody who matches those parameters will get the preferred car insurance rates and will pay quite a bit less when switching companies.

Drivers who don’t meet the “perfect” profile will probably be forced to pay more expensive rates and ends up with the prospect going elsewhere. The ad wording is “drivers who switch” but not “everyone who gets a quote” save money. That’s the way companies can truthfully make those claims. This really drives home the point why drivers must do a price quote comparison at every renewal. It is impossible to guess which insurance companies will fit you best based on your risk profile.

Learn how to lower your insurance premiums

The best way to find cheaper auto insurance is to take a look at some of the things that help determine your auto insurance rates. If you understand what impacts premium levels, this enables informed choices that could result in big savings.

The list below includes some of the most rate-impacting factors companies use to determine premiums.

  • Save money by raising coverage deductibles – Comprehensive and collision coverage deductibles define how much you are willing to pay if a claim is determined to be covered. Insurance for physical damage, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. Some instances where coverage would apply could be rearending another vehicle, animal collisions, or theft of your vehicle. The more damage repair cost you have to pay, the lower your rates will be for Focus coverage.
  • Single drivers take more risk – Having a spouse helps lower the price when shopping for auto insurance. Having a significant other may mean you are more financially stable it has been statistically shown that drivers who are married are more cautious.
  • Safety first – Vehicles with high crash test scores can get you lower premiums. Vehicles engineered for safety have better occupant injury protection and reduced instances of injuries means less claims paid and cheaper rates on your policy.
  • Certain occupations pay higher rates – Occupations such as judges, business owners and emergency personnel tend to have higher average rates due to high stress and long work days. On the other hand, professions such as scientists, engineers and the unemployed receive lower rates for Focus coverage.
  • More traffic means higher claims – Choosing to live in a rural area can save you money when talking about auto insurance. Fewer people translates into fewer accident claims in addition to lower liability claims Residents of big cities regularly have more aggressive driving styles and more time behind the wheel. Higher commute times means higher likelihood of an accident.
  • High credit history translates to low prices – Having a bad credit rating is a large factor in calculating your premium rate. If your credit history is low, you may save money insuring your 2014 Ford Focus if you clean up your credit. Insureds that have high credit ratings tend to be less risk to insure as compared to drivers with lower ratings.
  • Deter theft and pay less – Purchasing a vehicle that has an advanced theft prevention system can help lower your premiums. Anti-theft devices like OnStar, LoJack tracking, and tamper alarms all help stop car theft and help bring rates down.
  • Get a ticket, pay higher rates – Drivers with clean records pay less for auto insurance than their less careful counterparts. Even one speeding ticket can increase rates by as much as thirty percent. Drivers with careless tickets like DWI, reckless driving or hit and run convictions may be required to file a proof of financial responsibility form (SR-22) with their state’s department of motor vehicles in order to prevent their license from being revoked.

Take policy discounts and save

Some insurers don’t always advertise the complete list of policy discounts in an easy-to-find place, so the next list breaks down a few of the more well known in addition to some of the lesser obvious credits available to you.

  • Discount for Life Insurance – Not all insurance companies offer life insurance, but some may give you a discount if you purchase life insurance from them.
  • E-sign – A few larger online companies provide a small discount just for signing your application on their website.
  • Good Student Discount – Getting good grades may save you up to 25%. Many companies even apply the discount to college students until age 25.
  • First Accident Forgiveness – This one is not really a discount per se, but certain companies will forgive one accident without raising rates as long as you don’t have any claims for a certain period of time.
  • Onboard Data Collection – Insureds who allow their insurance company to scrutinize where and when they drive remotely such as In-Drive from State Farm or Allstate’s Drivewise system might get better premium rates as long as the data is positive.
  • Discounts for Multiple Vehicles – Insuring all your vehicles on a single policy can get a discount for every vehicle.
  • 55 and Retired – Mature drivers could receive a slight reduction on a insurance quote for Focus coverage.

It’s important to note that most credits do not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears you would end up receiving a 100% discount, insurance companies aren’t that generous. Any amount of discount should help lower your overall premium however.

A list of insurance companies and their possible discounts are included below.

  • Progressive may have discounts that include homeowner, multi-policy, multi-vehicle, good student, and continuous coverage.
  • Farmers Insurance includes discounts for business and professional, distant student, pay in full, teen driver, bundle discounts, youthful driver, and electronic funds transfer.
  • Farm Bureau policyholders can earn discounts including good student, driver training, renewal discount, safe driver, multi-policy, and 55 and retired.
  • State Farm offers discounts including multiple policy, safe vehicle, defensive driving training, passive restraint, anti-theft, accident-free, and good student.
  • GEICO discounts include anti-theft, anti-lock brakes, defensive driver, multi-vehicle, and military active duty.
  • SAFECO has discounts for teen safety rewards, anti-theft, anti-lock brakes, accident prevention training, safe driver, and bundle discounts.
  • Liberty Mutual offers discounts for new graduate, exclusive group savings, preferred payment discount, newly retired, new move discount, multi-car, and good student.

If you want cheap insurance quotes, ask every prospective company which discounts you may be entitled to. Some credits may not be available in your area. To see insurance companies who offer insurance discounts, click here to view.

Which policy gives me the best coverage?

When it comes to choosing proper insurance coverage, there really is no best way to insure your cars. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might point out if you will benefit from professional help.

  • Why am I be forced to buy a membership to get insurance from some companies?
  • Should I rate my 2014 Ford Focus as pleasure use or commute?
  • What discounts do I qualify for?
  • If my 2014 Ford Focus is totaled, can I afford another vehicle?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Do I have coverage for damage caused while driving under the influence?
  • How do I insure my teen driver?
  • Which companies will insure high-risk drivers?
  • Should I put collision coverage on all my vehicles?
  • Is extra glass coverage worth it?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form.

Educate yourself about auto insurance coverages

Learning about specific coverages of your policy can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Ford Focus.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Coverage for collisions

Collision coverage pays for damage to your Focus resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as colliding with another moving vehicle, backing into a parked car, sustaining damage from a pot hole, sideswiping another vehicle and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for bills like rehabilitation expenses, prosthetic devices and funeral costs. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Liability insurance

This can cover injuries or damage you cause to other’s property or people. It protects you from claims by other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against things like medical expenses, bail bonds, medical services and attorney fees. How much coverage you buy is a personal decision, but buy higher limits if possible.

Comprehensive insurance

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as vandalism, falling objects, hitting a bird, fire damage and a broken windshield. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Saving money makes a lot of cents

More affordable insurance coverage is attainable online and from local insurance agents, so you need to shop insurance with both in order to have the best chance of saving money. Some companies do not provide rates over the internet and most of the time these smaller providers only sell through independent insurance agents.

In this article, we covered a lot of information how to compare 2014 Ford Focus insurance prices online. The key concept to understand is the more price quotes you have, the higher your chance of finding cheaper insurance. Drivers may discover the lowest prices come from a company that doesn’t do a lot of advertising.

When you buy insurance online, you should never reduce coverage to reduce premium. There are a lot of situations where an insured dropped liability limits or collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal is to buy a smart amount of coverage at an affordable rate, but don’t skip important coverages to save money.

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Comments About 2014 Ford Focus Insurance

  1. Hana Bright

    I got decent rates for a 2014 Ford Focus in Parkersburg, WV. Ended up at right around $390 every six months with Amica. I have a teen driver too. Not sure about claim service.

  2. Bernetta Leblanc

    Can you buy custom paint coverage for a 2014 Ford Focus?

  3. Allegra Beach

    I found cheap 2014 Ford Focus insurance in Norfolk, VA with GEICO.

  4. Cedric Perez

    In Springfield, MO, AAA had the best rates for my 2014 Ford Focus.

  5. Dana Tanner

    Does Progressive offer multi-policy discounts?

  6. Serita Bowen

    I’m in North Charleston, SC, and 21st Century rates were affordable. Thankfully I’m not a high risk driver. Not sure about claim service.

  7. Marth Bernard

    I’ve had 21st Century for years. I’m in Seattle, WA.

  8. Maryann Thornton

    What is UM/UIM coverage?

  9. Ignacia Cantu

    Cheap is not always the best policy. From a town just southwest of Boston, MA. Got rates from AIG Insurance, Safeco, and USAA for my Ford and saved $353 a year. :)