Cheap 2003 Ford Focus Insurance Rates

Searching for better insurance coverage rates for your Ford Focus? Having to pay for overpriced Ford Focus insurance can take a big chunk out of your bank account and make it impossible to make ends meet. Doing a price comparison is free and is an excellent way to lower your monthly bill.

Since consumers have many insurance providers from which to choose, it is hard for the average consumer to choose the most affordable provider.

Compare the Market for Insurance Coverage

Shopping for lower insurance coverage rates can be challenging if you don’t utilize the most efficient way to do it. You can spend your afternoon discussing policy coverages with agents in your area, or you could use the internet to get prices fast.

All the larger companies enroll in a system where prospective buyers submit one quote, and every company can provide price quotes based on that data. This eliminates the need for quote forms for each company. To submit your quote information now, click here (opens in new window).

The only drawback to using this type of system is that consumers can’t choose which providers you want pricing from. If you would rather choose specific providers to request quotes from, we have a listing of insurance coverage companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but make absolute certain that you use exactly the same coverage limits with every price quote. If you enter different liability limits it’s impossible to make a fair comparison for your Ford Focus. Slightly different coverages may cause a big price difference. And when comparison shopping, obtaining a wide range of quotes gives you a better chance of getting the best offered rates.

Can switching companies really save?

Auto insurance companies such as State Farm and Allstate consistently run ads in print and on television. They all seem to make the same claim that you can save if you change your coverage to them. But how can every company say the same thing? This is how they do it.

Insurance companies have a certain “appetite” for the right customer they prefer to insure. For instance, a profitable customer could possibly be over the age of 50, insures multiple vehicles, and has a short commute. A customer getting a price quote who meets those qualifications gets the lowest rates and most likely will cut their rates substantially.

Potential insureds who do not match these standards must pay a more expensive rate which leads to the customer not buying. Company advertisements say “drivers who switch” not “everybody who quotes” save that much. That’s why insurance companies can make those claims. This illustrates why you should quote coverage with many companies. It’s just too difficult to predict which insurance companies will provide you with the cheapest Ford Focus insurance rates.

Parts of the Ford Focus rate equation

An important part of buying insurance is that you know the rating factors that help determine the rates you pay for car insurance. Knowing what influences your rates enables informed choices that could result in lower car insurance prices.

  • Do you need the policy add-ons? – There are many extra coverages you can purchase when buying car insurance. Insurance for roadside assistance, better glass coverage and term life insurance are some examples. They may seem like a good idea initially, but if they’re wasting money eliminate the coverages to reduce your premium.
  • You might want pay the small claims yourself – Insurance companies give better rates to policyholders who file claims infrequently. If you file claims often, you can pretty much guarantee either higher rates or even cancellation. Car insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • Marriage brings a discount – Having a wife or husband can actually save you money on car insurance. Having a significant other is viewed as being more mature and responsible and it’s proven that being married results in fewer claims.
  • Do you know you’re credit rating? – Credit score is a large factor in determining your rates. Consumers who have high credit scores tend to be less risk to insure than drivers with poor credit. If your credit history is low, you could be paying less to insure your 2003 Ford Focus by improving your rating.
  • Safe vehicles cost less to insure – Vehicles with high crash test scores tend to have better insurance rates. These vehicles reduce injuries and any reduction in injury severity translates into fewer and smaller insurance claims passed on to you as lower rates. If your Ford earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
  • Where do you drive? – Driving more miles every year the more you will pay for car insurance. Most companies price each vehicle’s coverage determined by how the vehicle is used. Vehicles used primarily for pleasure use can get a lower rate than vehicles that are driven to work every day. Improper usage on your Focus can cost quite a bit. Double check that your car insurance coverage shows the proper vehicle usage, because it can save money.
  • What are your deductibles? – The deductibles define the amount you are required to spend out-of-pocket in the event of a claim. Insurance for physical damage to your car, also known as collision and other-than-collision, is used to repair damage to your car. A few examples of covered claims would be running into the backend of another car, vandalism, or theft. The more expense you have to pay, the lower your rates will be on Focus coverage.
  • Mature drivers pay less – More mature drivers are more responsible, tend to cause fewer accidents and get fewer tickets. Teenage drivers are statistically proven to be careless and easily distracted when driving therefore car insurance rates are much higher.

Lots of discounts mean lots of savings

Companies offering auto insurance don’t always advertise all available discounts very clearly, so we researched some of the best known and also the lesser-known ways to save on insurance.

  • Organization Discounts – Affiliation with a qualifying organization could qualify you for a break on your policy on Focus coverage.
  • Resident Student – Kids in college who attend school more than 100 miles from home without a vehicle on campus can receive lower rates.
  • One Accident Forgiven – Some insurance companies will forgive one accident before your rates go up if your claims history is clear prior to the accident.
  • Low Mileage – Low mileage vehicles can earn lower rates on the low mileage vehicles.
  • Driver’s Ed – Have your child complete a driver education course if it’s offered in school.
  • Discount for Good Grades – A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you up to age 25.
  • Discount for Swiching Early – Some insurance companies reward drivers for switching to them before your current expiration date. The savings is around 10%.
  • Multi-car Discount – Buying coverage for more than one vehicle with the same company qualifies for this discount.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of making monthly payments you may reduce your total bill.
  • Federal Government Employee – Employees or retirees of the government can save as much as 8% on Focus coverage depending on your company.

It’s important to note that most of the big mark downs will not be given to the entire cost. Some only reduce the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like it’s possible to get free car insurance, you won’t be that lucky.

Insurance companies that possibly offer some of the above discounts include:

Before buying, ask each company which discounts they offer. Discounts might not apply in your area.

Situations that might require an agent

When choosing the right insurance coverage, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s and your policy should reflect that. Here are some questions about coverages that can help discover if your situation may require specific advice.

  • Are all vehicle passengers covered by medical payments coverage?
  • Are split liability limits better than a combined single limit?
  • Do I need special endorsements for business use of my vehicle?
  • What happens if I owe more than my 2003 Ford Focus is worth?
  • If I drive on a suspended license am I covered?
  • How many claims can I have before being cancelled?
  • Does insurance cover tools stolen from my truck?

If you can’t answer these questions but a few of them apply, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.

Car insurance 101

Knowing the specifics of your car insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring. Below you’ll find typical coverages found on most car insurance policies.

Comprehensive coverage

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as damage from getting keyed, rock chips in glass and damage from a tornado or hurricane. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision protection

Collision insurance will pay to fix damage to your Focus from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as scraping a guard rail, crashing into a building, backing into a parked car and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for immediate expenses like chiropractic care, surgery, rehabilitation expenses and pain medications. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Auto liability insurance

Liability insurance protects you from damage that occurs to other’s property or people. This coverage protects you against other people’s claims, and 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. You commonly see limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage pays for things like repair bills for other people’s vehicles, repair costs for stationary objects and pain and suffering. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Ford Focus.

Since many drivers only carry the minimum required liability limits, 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

We just showed you a lot of tips how to reduce 2003 Ford Focus insurance prices online. The key concept to understand is the more times you quote, the better your comparison will be. Consumers could even find that the lowest priced car insurance comes from an unexpected company. These companies often have lower prices on specific markets as compared to the big name companies such as State Farm, Geico and Nationwide.

When shopping online for car insurance, it’s very important that you do not skimp on critical coverages to save a buck or two. There have been many situations where drivers have reduced full coverage only to find out that the small savings ended up costing them much more. Your goal should be to buy enough coverage at a price you can afford.

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