Lower Your 2018 Ford Focus Insurance Rates

Want lower insurance rates for your Ford Focus? Did budget coverage turn out to be an expensive insurance policy? Trust us when we tell you there are lots of residents who feel the same.

You have so many insurers to choose from, and even though it’s nice to be able to choose, it can be more difficult to locate the cheapest rates.

It is always a good idea to shop coverage around yearly because insurance prices are rarely the same from one policy term to another. Even if you think you had the best price on Focus coverage at your last renewal there may be better deals available now. Ignore everything you know about insurance because we’re going to show you one of the easiest ways to find lower rates on insurance.

Finding affordable coverage is easy if you know what you’re doing. If you currently have a car insurance policy, you will be able to cut costs considerably using this strategy. Nevertheless, vehicle owners benefit from understanding the way companies market insurance on the web and apply this information to your search.

The best way we recommend to compare insurance rates in your area is to know the fact most insurance companies have advanced systems to provide you with a free rate quote. To start a quote, the only thing you need to do is take a few minutes to give details like whether you are married, the make and model of your vehicles, what your job is, and how your vehicles are used. Your insurance information is instantly submitted to multiple top-rated companies and you will get price comparisons almost instantly.

To check rates for your car now, click here and enter your coverage details.

Buyer beware of insurance advertising tricks

Companies like Allstate, Geico and Progressive continually stream ads on television and other media. They all convey the message that people will save if you move your insurance coverage to their company. That’s great but how can every company give you a better price? This is the trick they use.

Insurance providers have underwriting criteria for the type of customer that will add to their bottom line. One example of a desirable insured may be a married male, has few claims, and drives less than 5,000 miles a year. A driver who fits that profile will get low car insurance rates and therefore will save when they switch companies.

Potential insureds who fall outside this stringent profile will probably have to pay a higher premium which results in business not being written. The wording the ads use say “people that switch” not “all people who quote” save money. This is how insurance companies can confidently make claims that they all have the best premium rates. Because of this risk profiling, you absolutely need to compare rate quotes every year. It’s just too difficult to predict which insurance company will provide you with the cheapest car insurance rates.

Lower rates by qualifying for discounts

Insuring your vehicles can cost a lot, but there could be significant discounts that you may not know about. Certain credits will be shown at the time of purchase, but some may not be applied and must be specially asked for prior to receiving the credit.

  • Switch and Save Discount – Some auto insurance companies reward drivers for signing up prior to the expiration date on your current policy. You may see this discount when you get insurance quotes online.
  • Accident Waiver – Not necessarily a discount, but some insurance companies will turn a blind eye to one accident before hitting you with a surcharge if your claims history is clear for a specific time period.
  • Passive Restraints and Air Bags – Vehicles with factory air bags and/or automatic seat belt systems may qualify for discounts of 20 to 30 percent.
  • Defensive Driver – Successfully completing a class that teaches driver safety techniques can save you 5% or more if your company offers it.
  • Theft Deterent – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and will save you 10% or more.
  • Discounts for Federal Employees – Federal government employees could cut as much as 10% off on Focus coverage with some auto insurance companies.
  • Multiple Cars – Having multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • Life Insurance – Not all insurance companies offer life insurance, but some may give you a discount if you purchase auto and life insurance together.
  • Club Memberships – Having an affiliation with qualifying clubs or civic groups can get you a small discount on auto insurance.
  • ABS and Traction Control Discounts – Cars and trucks with anti-lock braking systems have fewer accidents and qualify for as much as a 10% discount.

Remember that most discounts do not apply to the entire cost. The majority will only reduce the cost of specific coverages such as comprehensive or collision. So even though you would think you could get a free auto insurance policy, insurance companies wouldn’t stay in business.

To see a list of providers that offer many of these discounts, click this link.

Car insurance is unique, just like you

When buying the right insurance coverage, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that might point out whether your personal situation will benefit from professional help.

  • Is my babysitter covered when using my vehicle?
  • Where can I get insurance after a DUI in my state?
  • I have health insurance so do I need medical payments coverage?
  • If I drive on a suspended license am I covered?
  • Do I need an umbrella policy?
  • Does my policy cover my teen driver if they drive my company car?
  • How high should my uninsured/underinsured coverage be in my state?
  • How can I find cheaper teen driver insurance?

If you’re not sure about those questions, you might consider talking to an agent. To find an agent in your area, complete this form or click here for a list of car insurance companies in your area.

Learn about insurance coverages for a 2018 Ford Focus

Knowing the specifics of your insurance policy can be of help when determining the best coverages for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement. Shown next are the normal coverages offered by insurance companies.

Collision – Collision insurance covers damage to your Focus from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims such as driving through your garage door, sustaining damage from a pot hole and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like falling objects, hail damage and vandalism. The most your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Auto liability insurance – Liability insurance protects you from damages or injuries you inflict on other people or property by causing an accident. This insurance protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims such as legal defense fees, court costs, medical services, pain and suffering and funeral expenses. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Medical costs insurance – Med pay and PIP coverage kick in for short-term medical expenses such as funeral costs, surgery and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants as well as being hit by a car walking across the street. PIP is not available in all states and may carry a deductible

UM/UIM Coverage – This provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Get your money’s worth

When shopping online for insurance, it’s not a good idea to reduce coverage to reduce premium. There are many occasions where an accident victim reduced collision coverage only to regret at claim time that the few dollars in savings costed them thousands. Your strategy should be to get the best coverage possible for the lowest price while not skimping on critical coverages.

Some insurance companies do not offer rates over the internet and usually these regional insurance providers sell through independent agents. Discount 2018 Ford Focus insurance can be found online and from local agencies, and you need to price shop both to get a complete price analysis.

We just covered many tips how you can get a better price on 2018 Ford Focus insurance. The key thing to remember is the more price quotes you have, the better your chances of lowering your prices. Consumers could even find that the best price on insurance is with the least-expected company. These companies may often insure only within specific states and give getter rates compared to the large companies like Progressive and Geico.

To read more, take a look at the resources below:

Comments About 2018 Ford Focus Insurance

  1. Jacquelyn Carver

    I got a good deal I think. I’m in Biloxi, MS. Got quotes with Auto-Owners, Farmers, and Nationwide for my Ford and saved $173 a year. Was with Eastwood. Thankfully I have a good driving record. It’s still not cheap enough.

  2. Ariel England

    Got a quote with Allstate for my 2018 Ford Focus and saved around $120 a year. Good savings if you bundle. I got prices on the web.

  3. Yvonne Ayala

    I’ve had 21st Century for years. I’m in Detroit, MI.

  4. Nickolas Watts

    I compared a lot of rate quotes for a 2018 Ford Focus in Milwaukee, WI. Ended up at about $530 every six months with AIG Insurance. Even increased coverage a bit. Get lots of quotes to find the best rate.