2016 Ford Focus Insurance Rates

Feel like you have an underperforming, overpriced insurance coverage policy? Don’t sweat it because you’re not alone.

Insurance companies such as State Farm, Farmers Insurance, GEICO and Allstate constantly bombard you with advertising and consumers find it hard to see past the corporate glitz and find the best price available.

If you have car insurance now, you should be able to cut costs considerably using these tips. Finding the best rates is not that difficult. Although consumers must learn the way insurance companies compete online and use this information to your advantage.

More discounts mean cheap premiums

Properly insuring your vehicles can get expensive, but you may qualify for discounts to help offset the cost. Some discounts apply automatically when you get a quote, but a few need to be inquired about before being credited.

  • Senior Citizen Discount – Seniors are able to get better insurance coverage rates for Focus insurance.
  • Driver’s Ed – Require your teen driver to successfully complete driver’s ed class if offered at their school.
  • New Vehicle Savings – Buying a new car instead of a used car can be considerably cheaper due to better safety requirements for newer models.
  • Military Deployment Discount – Having an actively deployed family member can result in better insurance coverage rates.
  • Discounts for Multiple Vehicles – Buying insurance for multiple cars or trucks on a single policy could earn a price break for each car.
  • Online Discount – A handful of insurance coverage companies will give a small break for buying a policy and signing up on your computer.
  • Professional Memberships – Affiliation with qualifying clubs or civic groups may earn a discount on your bill.
  • Government Employee Discount – Having worked for a branch of the government could cut as much as 10% off for Focus insurance depending on your company.
  • Early Signing – Some insurance companies reward drivers for buying a new policy prior to your current policy expiring. Ten percent is about the average savings.
  • Defensive Driver – Participating in a class that teaches driver safety techniques could possibly earn you a 5% discount if you qualify.

Don’t be shocked that some of the credits will not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like collision or personal injury protection. Even though it appears adding up those discounts means a free policy, it just doesn’t work that way.

For a list of providers that offer the discounts shown above, follow this link.

Insurance coverage quotes comparison

There are a variety of methods you can shop for insurance coverage but one way is less labor-intensive and much quicker. You could spend your day driving to local insurance agents in your area, or you could save time and use online quoting to get rate comparisons in just a few minutes.

Most car insurance companies participate in a marketplace that allows shoppers to complete one form, and at least one company returns a competitive quote based on the submitted data. This prevents consumers from doing repetitive form submissions for each company you want a rate for.

To find out how much you’re overpaying now click to open in new window.

The only drawback to comparing rates this way is buyers cannot specifically choose the insurers you want pricing from. If you prefer to choose from a list of companies to compare prices, we have a page of companies who write insurance coverage in your area. Click here for list of insurance companies.

You can use whichever method you prefer to find lower rates, just make sure you compare the exact same coverages and limits with each company. If you have higher or lower deductibles it’s impossible to make a fair comparison for your Ford Focus. Slightly different limits may result in large price differences. Keep in mind that comparing more quotes increases your odds of finding the best offered rates. Not every company allows you to get price estimates online, so it’s recommended that you also compare rates on coverage from those companies, too.

It’s not one size fits all

When it comes to buying adequate coverage for your vehicles, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs and your policy should reflect that. These are some specific questions could help you determine whether your personal situation could use an agent’s help.

  • When should I not file a claim?
  • Should I put collision coverage on all my vehicles?
  • Should I have combined single limit or split liability limits?
  • What is the ISO rating for a 2016 Ford Focus?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Should I sign the liability waiver when renting a car?
  • Am I covered when driving in Canada or Mexico?
  • Which companies will insure high-risk drivers?
  • Can I make deliveries for my home business?
  • How much liability coverage do I need in my state?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Insurance specifics

Learning about specific coverages of your policy helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. These are typical coverage types available from insurance companies.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for bills for nursing services, doctor visits, funeral costs, X-ray expenses and prosthetic devices. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for liability

Liability coverage protects you from damages or injuries you inflict on other people or property by causing an accident. It protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

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 liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims like structural damage, repair bills for other people’s vehicles, funeral expenses, medical expenses and loss of income. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive coverage

This coverage covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things like damage from getting keyed, a tree branch falling on your vehicle, vandalism and hitting a bird. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage

This coverage pays to fix your vehicle from damage from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like rolling your car, colliding with another moving vehicle, hitting a parking meter and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to raise the deductible to save money on collision insurance.

More comparisons equals lower rates

You just read many tips how you can get a better price on 2016 Ford Focus insurance. It’s most important to understand that the more rate quotes you have, the higher the chance of saving money. Consumers could even find that the most savings is with a small local company. Some small companies may cover specific market segments cheaper compared to the large companies like State Farm or Progressive.

As you shop your coverage around, never buy poor coverage just to save money. There have been many situations where consumers will sacrifice liability coverage limits only to regret at claim time they didn’t purchase enough coverage. The proper strategy is to purchase plenty of coverage at the best cost while not skimping on critical coverages.

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Comments About 2016 Ford Focus Insurance

  1. Carmon Wong

    Great info, thanks for posting. Lifelong resident of Montgomery, AL. Got free quotes online for a 2016 Ford Focus. Ended up at about $550 savings annually. Went with 21st Century. :)

  2. Rachell Mayo

    Quoted with Encompass for my Ford and cut my rates about $430 a year. Switched homeowners coverage too. God forbid I actually have a claim.

  3. Elene Blake

    I live in Reno, NV. Quoted with American Family, MetLife, and Travelers for my 2016 Ford Focus and saved $541 a year.

  4. Lan Patel

    Cheap is relative. From Provo, UT. Received quotes with Progressive, Hanover, and Encompass for my Focus and I think I cut my rates about $30 each month. Not sure if rates are cheaper online or not.

  5. Alena Montoya

    Nice info. Live in Burlington, VT. I quoted with GEICO, Auto-Owners, Eastwood, and Liberty Mutual for my 2016 Ford Focus and I’m now saving $27 a month. Left Western Auto Insurance to switch.

  6. Russ Mcdowell

    Proud to be from Charleston, SC. Quoted rates from Amica, Sentry, and USAA for my Focus and I think I saved around $50 each month. Thankfully I have a good driving record.

  7. Reiko Morrow

    I live in Oklahoma City, OK. Quoted quotes from Travelers, American Family, Hanover, and Mercury for my Ford and I’m now saving $30 a month. Left Travelers to switch. Thankfully I’m not a high risk driver.

  8. Darnell Chan

    If you have a clean record and are close to Colorado Springs, CO, check out 21st Century. You might save some money. Insured with Western Auto Insurance before. Just waiting to see how claims go.

  9. Jeffry Santana

    I found cheap 2016 Ford Focus insurance in Fort Wayne, IN with State Farm.

  10. Tula Parker

    Great site. I live in a small town just outside of Buffalo, NY. Got car insurance quotes with 21st Century, AAA, and Farmers for my 2016 Ford Focus and I’m now saving $44 a month. I get a discount for insuring multiple vehicles.

  11. Sammy Lawrence

    Found cheapest coverage with Allstate for my Ford and cut my rates about $540 a year. Have an at-fault accident tho. Might find lower rates online.

  12. Princess Roberson

    FYI in Rio Rancho, New Mexico try Allstate. I got a good deal.

  13. Dara Boone

    I live on the north side of Seattle, WA. Quoted rates from AAA, Erie, and MetLife for my 2016 Ford Focus and I think I saved around $60 each month. I have several vehicles insured with them.

  14. Cheree Shelton

    Lots of good stuff here. Located in South Burlington, VT. Quoted with Hanover, Amica, MetLife, and a couple others for my Focus and cut my rates about $120 a year. Thankfully I have a good driving record. It never hurts to quote around.

  15. Cecelia Parsons

    From a town just southwest of Memphis, TN. Quoted with Auto-Owners, Sentry, and USAA for my Focus and I’m now saving $36 a month. I increased coverages a little too.