How Much Does 2017 Ford Focus Insurance Cost?

Looking for better insurance rates for your Ford Focus? Expensive insurance can consume your monthly budget and put the squeeze on your family’s finances.

Big-name insurance companies like Geico, Progressive and Allstate all promote huge savings with ad campaigns and it is difficult to see through the deception and do the work needed to find the best deal.

You should make it a habit to compare premium rates every six months since insurance rates are adjusted regularly by insurance companies. If you had the best rate for Focus insurance a year ago a different company probably has better prices today. There is a lot of bad advice regarding insurance online, but in a few minutes you can learn a lot of great tips on how to find cheap insurance.

The easiest way to get rate comparisons is to know the trick auto insurance companies will pay a fee to provide you with a free rate quote. To get started, all you need to do is give them rating details including whether you drive to work or school, your general credit rating, driver ages, and what your job is. Your rating data gets sent immediately to insurance companies and you will get price comparisons immediately.

To start a rate quote now, click here and find out if you can get cheaper insurance.

More affordable rates by earning discounts

Auto insurance can be pricey, but there may be some discounts that you may not even know about. Certain reductions will be credited at quote time, but once in a while a discount must be manually applied before you will receive the discount.

• Telematics Data – People who choose to allow driving data submission to monitor their driving habits through the use of a telematics system such as State Farm’s In-Drive may get a rate reduction if they exhibit good driving behavior.
• Discounts for Good Drivers – Safe drivers may save up to 50% more for Focus insurance than drivers with accident claims.
• Student in College – Older children who live away from home to go to college and do not have a car could get you a discount.
• Discount for Home Ownership – Simply owning a home may trigger a policy discount on auto insurance because it requires personal responsibility.
• Federal Employees – Being employed by or retired from a federal job may reduce rates when you quote insurance for Focus insurance depending on your auto insurance provider.
• Driver’s Ed – It’s a good idea to have your young drivers enroll in driver’s education in school or through a local driver safety program.

We need to note that some of the credits will not apply the the whole policy. Most cut specific coverage prices like liability and collision coverage. So when the math indicates it’s possible to get free car insurance, companies don’t profit that way.

A list of auto insurance companies and a partial list of their discounts are shown below.

• State Farm has savings for good driver, anti-theft, student away at school, Drive Safe & Save, and multiple policy.
• Liberty Mutual may include discounts for preferred payment discount, safety features, new vehicle discount, newly married, newly retired, teen driver discount, and new graduate.
• American Family offers premium reductions for good driver, defensive driver, Steer into Savings, early bird, and accident-free.
• Progressive has discounts for online quote discount, multi-vehicle, good student, homeowner, multi-policy, online signing, and continuous coverage.
• Farmers Insurance discounts include bundle discounts, youthful driver, business and professional, electronic funds transfer, early shopping, alternative fuel, and multi-car.
• Auto-Owners Insurance policyholders can earn discounts including anti-theft, good student, multi-policy, teen driver, safe driver, and group or association.
• SAFECO may offer discounts for accident prevention training, teen safety rewards, multi-car, drive less, anti-theft, and homeowner.

When comparing rates, check with each company or agent how many discounts you can get. Discounts might not apply in your state.

You can change your insurance rates

Multiple criteria are used when you get your auto insurance bill. A few of the factors are predictable such as your driving history, but other factors are less apparent like your vehicle usage or your financial responsibility.A large part of saving on auto insurance is knowing a few of the rating criteria that aid in calculating your premiums. When consumers understand what influences your rates, this enables informed choices that may reward you with much lower annual insurance costs.

The following are most of the major factors that factor into premiums.

• Annual mileage and car insurance rates – Driving more miles each year the higher your rates will be. Almost all companies charge to insure your cars based upon how much you drive. Cars that have low annual miles cost less to insure compared to those used for work or business. An improperly rated Focus is just wasting money. Make sure your policy properly reflects the right rating data.
• Your stress level may be raising your premiums – Do you work in a high-stress field? Careers like fire fighters, business owners and accountants tend to pay the highest rates because of intense work situations and incredibly demanding work hours. Other careers like scientists, engineers and performers have lower than average premiums for Focus insurance.
• Liability safeguards assets – Liability insurance provides coverage if ever a court rules you are at fault for damages caused by your negligence. This coverage provides you with a defense in court starting from day one. This coverage is relatively inexpensive compared to other policy coverages, so do not cut corners here.
• Women pay lower rates – Statistics demonstrate females are less aggressive when driving. Now that doesn’t mean men are worse drivers. They both tend to get into auto accidents at a similar rate, but men tend to have higher claims. Men also tend to receive more major tickets such as reckless driving.
• Do safer cars cost less to insure? – Safer cars tend to have lower insurance rates. The safest vehicles help reduce the chance of injuries in an accident and lower rates of occupant injuries translates into fewer and smaller insurance claims and cheaper rates on your policy. If your Ford Focus earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.

Your insurance coverage coverage should be tailored to you

When buying the best insurance coverage coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance should reflect that For example, these questions might point out if your insurance needs will benefit from professional help.

• Can my teen driver be rated on a liability-only vehicle?
• Is there coverage for injuries to my pets?
• Does car insurance cover theft of personal property?
• Does medical payments coverage apply to all occupants?
• How much liability coverage do I need in my state?
• Will I lose any money if I cancel my policy before it expires?
• Is a fancy paint job covered?
• Will my insurance pay for OEM parts?
• Should I sign the liability waiver when renting a car?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Insurance policy coverages for a Ford Focus

Understanding the coverages of insurance aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. These are typical coverage types found on most insurance policies.

Liability insurance

Liability coverage can cover damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things like funeral expenses, pain and suffering and medical expenses. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Collision protection

This coverage pays for damage to your Focus resulting 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 protects against claims such as crashing into a building, hitting a mailbox, driving through your garage door, rolling your car and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also raise the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as damage to your Ford Focus.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Coverage for medical expenses

Med pay and PIP coverage kick in for immediate expenses such as rehabilitation expenses, doctor visits, surgery and hospital visits. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants as well as being hit by a car walking across the street. PIP is only offered in select states but can be used in place of medical payments coverage

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as hitting a deer, damage from a tornado or hurricane, rock chips in glass and theft. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Be a Smart Shopper

We’ve covered a lot of information how to shop for 2017 Ford Focus insurance online. The most important thing to understand is the more you quote insurance, the better chance you’ll have of finding low cost insurance. You may even find the best car insurance rates are with some of the smallest insurance companies. Regional companies may only write in your state and offer lower premium rates than the large multi-state companies such as Allstate or State Farm.

When you buy insurance online, make sure you don’t buy less coverage just to save a little money. In many cases, an accident victim reduced physical damage coverage and discovered at claim time that it was a big error on their part. The goal is to find the BEST coverage for the lowest price, but do not sacrifice coverage to save money.

More resources

• Comprehensive Coverage (Liberty Mutual)
• Top Signs Your Brakes are Giving Out (State Farm)
• Understanding your Policy (NAIC.org)
• Coverage Information (Progressive Insurance)