2015 Ford Focus Car Insurance Cost

Having to pay for expensive Ford Focus insurance can overdraw your family’s budget and require stricter spending habits. Comparing rates annually is an excellent way to ensure you are getting the best deal.

With so many options when it comes to car insurance, it can be impossible to locate a more affordable insurance company.

It is always a good idea to take a look at other company’s rates on a regular basis because car insurance prices are usually higher with each renewal. Despite the fact that you may have had the best rates for Focus coverage six months ago you will most likely find a better premium rate today. Ignore everything you know about car insurance because I’m going to let you in on the secrets to the things you must know in order to lower your rates without sacrificing coverage.

Shop insurance online

Most major insurance companies give prices for coverage directly from their websites. Getting quotes is pretty painless because it’s just a matter of typing in the coverage amounts you desire into a form. After the form is submitted, the system gets reports for credit and driving violations and generates pricing information based on the information you submitted. Online price quotes makes comparing rates easy, but having to visit several different sites and type in the same information can be a bit repetitive. Unfortunately, it is important to do this if you are searching for a lower rate.

The easiest way to find lower prices uses one simple form to get prices from multiple companies. The form is fast, requires much less work on your part, and makes quoting online much more efficient. As soon as you send your information, it is rated and you are able to buy any of the price quotes you receive.

If a lower price is quoted, you simply finish the application and buy the policy. The whole process takes 15 minutes at the most and may save quite a bit of money.

To compare rates now, simply click here to open in new window and fill out the form. If you have a policy now, it’s recommended you copy the insurance coverages identical to your current policy. This way, you will have a fair comparison using the same coverage and limits.

Verify you’re getting every discount

Insurance can be prohibitively expensive, but you might find some hidden discounts that may help make it more affordable. Most are applied at the time of quoting, but some may not be applied and must be inquired about before you will receive the discount.

• Theft Deterent – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and can earn a small discount on your policy.
• Early Switch Discount – A few insurance companies allow discounts for signing up prior to the expiration date on your current policy. You can save around 10% with this discount.
• Discount for Life Insurance – Larger auto insurance companies have a discounted premium rate on car insurance if you buy a life policy as well.
• Paperwork-free – Certain companies will give a small break for buying your policy on the web.
• Payment Discounts – If paying your policy premium upfront instead of monthly or quarterly installments you may have a lower total premium amount.
• Safety Course Discount – Completing a course teaching defensive driver skills could save 5% or more and easily recoup the cost of the course.
• Onboard Data Collection – Drivers that enable their company to monitor their driving habits by installing a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system could possibly reduce rates if they show good driving skills.
• Use Seat Belts – Requiring all passengers to buckle their seat belts may be able to save a few bucks off the medical payments premium.
• No Charge for an Accident – Not really a discount, but companies like Liberty Mutual and Geico will let one accident slide before your rates go up as long as you don’t have any claims prior to being involved in the accident.

We need to note that most of the big mark downs will not be given to the overall cost of the policy. A few only apply to individual premiums such as comprehensive or collision. So even though you would think having all the discounts means you get insurance for free, auto insurance companies aren’t that generous.

A partial list of companies that may include some of the above discounts include:

• State Farm
• Farmers Insurance
• Geico
• American Family
• Nationwide
• Progressive

When comparing rates, check with each insurance company which discounts you qualify for. Some discounts listed above may not be offered in your area. To locate insurance companies that have a full spectrum of discounts, click here to view.

When should I discuss my situation with an agent?

When it comes to buying the right insurance coverage, there really is no one size fits all plan. Everyone’s situation is a little different so your insurance needs to address that. Here are some questions about coverages that could help you determine whether or not you could use an agent’s help.

• Does my 2015 Ford Focus need full coverage?
• Does my medical payments coverage pay my health insurance deductible?
• Does my policy pay for OEM or aftermarket parts?
• Should I waive the damage coverage when renting a car?
• Can my teen driver be rated on a liability-only vehicle?
• What is UM/UIM insurance?
• Am I covered if I wreck a rental car?
• What is high-risk coverage and where do I buy it?
• Can I still get insurance after a DUI?
• Do I need rental car coverage?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It is quick, free and can help protect your family.

How you can control Ford Focus insurance rates

Many things are considered when quoting car insurance. Some are obvious such as traffic violations, but other criteria are not as apparent like your continuous coverage or your financial responsibility.

The itemized list below are some of the things used by your company to calculate your premiums.

• Is you employer costing you more? – Occupations like doctorsair traffic controllers and emergency personnel usually pay higher premiums than the average policyholder because of intense work situations and lengthy work days. On the other hand, occupations such as scientists, engineers and homemakers have the lowest average rates for Focus coverage.
• Rate your vehicle for proper use – The higher the mileage driven in a year the higher the price you pay to insure it. The majority of insurers rate vehicles based upon how much you drive. Autos that sit idle most of the time can get a lower rate than cars that get driven a lot. It’s a smart idea to ensure your insurance policy reflects the correct driver usage. Having the wrong rating on your Focus is just wasting money.
• Where you call home factors in – Having an address in small towns and rural areas can save you money when talking about insurance. Fewer drivers on the road means a lower chance of having an accident and a lower car theft rate. Drivers who live in large cities have to deal with much more traffic and longer commutes to work. Higher commute times means higher likelihood of an accident.
• Allowing your policy to lapse raises rates – Driving your car without having proper coverage is not a good idea and companies may charge more for letting your insurance lapse for non-payment. In addition to paying higher rates, the inability to provide proof of insurance will get you a steep fine or even jail time. You could then be forced to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.
• Your liability protection limits – The liability coverage on your policy will protect you if ever you are ruled to be at fault for causing damage or personal injury in an accident. Your policy’s liability insurance provides legal defense which can cost thousands of dollars. This coverage is relatively inexpensive compared to other policy coverages, so drivers should buy more than the minimum limits required by law.

Big brands don’t always mean big savings

Drivers constantly see and hear ads that promise big savings from companies such as Allstate, Geico and Progressive. All the ads say the same thing of big savings if you just switch your auto insurance policy to them.

How does every company have lower policy pricing? Just pay attention to how they say it.

Different companies can use profiling for the type of insured that makes them money. One example of a profitable risk profile might be described as over the age of 45, carries high limits, and drives a lower-performance vehicle. Anyone who fits those characteristics will most likely get cheap premium rates and most likely will save a lot if they switch.

Potential customers who may not quite match those standards will probably have to pay more expensive rates and this can result in the driver buying from a lower-cost company. If you pay attention, the ads say “drivers that switch” not “all people who quote” save the amount stated. That’s why companies can make those claims.

This emphasizes why you absolutely need to do a quote comparison often. You cannot predict which insurance companies will have the lowest rates.

Learn about car insurance coverages for a Ford Focus

Having a good grasp of your policy helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. These are typical coverages found on most car insurance policies.

Collision coverage – This pays to fix your vehicle from damage from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like hitting a mailbox, crashing into a ditch, sustaining damage from a pot hole and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Liability coverage – This coverage provides protection from damages or injuries you inflict on people or other property. This insurance protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000. Another option is a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims like structural damage, loss of income, repair costs for stationary objects and bail bonds. How much coverage you buy is your choice, but consider buying higher limits if possible.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like dental work, hospital visits, nursing services and rehabilitation expenses. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Comprehensive insurance – Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as rock chips in glass, fire damage and damage from flooding. The maximum amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays 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. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these coverages are identical to your policy’s liability coverage.

Knowledge is power

Cheaper 2015 Ford Focus insurance can be bought on the web in addition to local insurance agencies, and you should be comparing both to have the best chance of lowering rates. Some insurance providers do not provide the ability to get quotes online and usually these smaller companies only sell through independent insurance agents.

In this article, we presented a lot of ways to lower your 2015 Ford Focus insurance rates. The most important thing to understand is the more quotes you get, the better likelihood of getting affordable auto insurance. You may even discover the lowest priced car insurance comes from a small local company. These companies may only write in your state and offer lower auto insurance rates than the large multi-state companies such as Progressive and Geico.

For more information, link through to these articles:

• Distracted Driving Extends Beyond Texting (State Farm)
• Who Has the Cheapest Car Insurance Rates for a Ford Focus in Corpus Christi? (CorpusChristiCoverage.com)
• What Car Insurance is Cheapest for a Ford Focus in Dallas? (DallasCoverage.com)
• What if I Can’t Find Coverage? (Insurance Information Insitute)
• Top Signs Your Brakes are Giving Out (State Farm)
• Distracted Driving Statistics (Insurance Information Insitute)