Cheap 2006 Ford Focus Car Insurance Quotes

Trying to find cheaper insurance rates for your Ford Focus? No one in their right mind looks forward to buying insurance, particularly when their premiums are through the roof. Because you have many insurance providers from which to choose, it is very difficult to locate the cheapest provider.

The purpose of this post is to help you learn how car insurance quotes work and some tips to save money. If you currently have a car insurance policy, you should be able to lower your premiums substantially using these methods. Consumers just need to understand the proper way to shop for car insurance online.

Why your Ford Focus insurance rates may be high

Smart consumers have a good feel for the rating factors that come into play when calculating your insurance rates. Understanding what controls the rates you pay allows you to make educated decisions that could result in better insurance rates.

The list below includes some of the factors companies use to determine premiums.

  • Cautious drivers pay less – Careful drivers have lower premiums than bad drivers. Only having one ticket can boost insurance rates twenty percent or more. Drivers who have serious citations such as reckless driving, hit and run or driving under the influence may need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to continue driving.
  • Marriage brings a discount – Getting married can actually save you money on your insurance policy. It means you’re more mature than a single person and it’s proven that married couples file fewer claims.
  • You might want pay the small claims yourself – Auto insurance companies give better rates to insureds who do not rely on their insurance for small claims. If you frequently file small claims, you can definitely plan on either higher rates or even cancellation. Insurance coverage is designed for the bigger claims that can’t be paid out-of-pocket.
  • Men pay higher rates – Statistics show women tend to be less risk to insure than men. However, don’t assume that men are worse drivers. Both sexes cause accidents at a similar rate, but the men cause more damage and cost insurance companies more money. Men also statistically have more aggressive citations such as reckless driving.
  • Adjust deductibles and save – Deductibles for physical damage represent how much money you are willing to pay before your insurance pays a claim. Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Examples of covered claims are colliding with a building, collision with an animal, and windstorm damage. The more you’re willing to pay, the bigger discount you will receive for Focus coverage.
  • Better credit means lower rates – A driver’s credit score is a important factor in calculating your insurance rates. If your credit score is lower than you’d like, you could be paying less to insure your 2006 Ford Focus by improving your rating. Drivers who have high credit scores tend to be better drivers and file fewer claims than those with poor credit.
  • How your age affects price – Teen drivers are known to be less responsible in a vehicle so insurance rates are higher. Mature drivers tend to be more responsible, file fewer claims and tend to be better behind the wheel.
  • Do you qualify for a multi-policy discount? – Many insurance companies provide better rates to people who have multiple policies with them. It’s known as a multi-policy discount. Discounts can be ten or even up to twenty percent in some cases. Even though this discount sounds good, you may still want to comparison shop to verify if the discount is saving money.

Compare the Market for Insurance Coverage

Finding a better price on insurance coverage is not rocket science. The only requirement is to take a couple of minutes getting comparison quotes online from several insurance companies. This is very easy and can be done using a couple different methods.

  • The most efficient way to find low rates is to use a rate comparison form like this one (opens in new window). This form eliminates the need for separate quotation requests for each company. Just one form will return quotes instantly.
  • A slightly less efficient method to analyze rates is spending the time to visit the website for each individual company and request a quote. For sake of this example, we’ll pretend you want rates from Nationwide, State Farm and GMAC. To get rate quotes you would need to take the time to go to each site and enter your information, and that’s why the first method is more popular. To view a list of companies in your area, click here.

It’s your choice how you get your quotes, but make sure you use the exact same coverage limits and deductibles for every quote you compare. If your comparisons have mixed coverages you will not be able to determine the lowest rate for your Ford Focus.

Save big with these discounts

The cost of insuring your cars can be expensive, but you may find discounts that many people don’t even know exist. Certain discounts will be triggered automatically at the time you complete a quote, but some must be specially asked for in order for you to get them. If you’re not getting every credit possible, you’re just leaving money on the table.

  • Paperwork-free – Some insurance companies will discount your bill up to fifty bucks simply for signing over the internet.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and qualify for as much as a 10% discount.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time rather than paying monthly you could save 5% or more.
  • Good Student – Getting good grades can save 20 to 25%. This discount can apply up to age 25.
  • Accident Free – Drivers with accident-free driving histories pay much less when compared to frequent claim filers.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
  • Save with a New Car – Insuring a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Resident Student – Kids in college who live away from home and do not have a car may be able to be covered for less.
  • Driver Safety – Completing a driver safety course can save you 5% or more and easily recoup the cost of the course.
  • Clubs and Organizations – Affiliation with a qualifying organization may earn a discount when buying car insurance for Focus coverage.

A little note about advertised discounts, some of the credits will not apply to your bottom line cost. Some only reduce specific coverage prices like collision or personal injury protection. So when the math indicates all the discounts add up to a free policy, companies don’t profit that way. But any discount will reduce the cost of coverage.

Companies that possibly offer these discounts include:

Check with each company which discounts you may be entitled to. Some discounts may not be available in your area.

But I don’t know anything about car insurance

When choosing coverage, there really is no cookie cutter policy. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight whether you would benefit from professional advice.

  • Who is covered by my policy?
  • Is there coverage for injuries to my pets?
  • Why does it cost so much to insure a teen driver?
  • Are there companies who specialize in insuring high-risk drivers?
  • Why am I required to buy high-risk coverage?
  • Should I put collision coverage on all my vehicles?
  • Does my 2006 Ford Focus need full coverage?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.

Detailed coverages of your insurance policy

Understanding the coverages of insurance can be of help when determining the best coverages and the correct deductibles and limits. Insurance terms can be ambiguous and reading a policy is terribly boring. Shown next are the normal coverages offered by insurance companies.

Collision coverages – Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as damaging your car on a curb, colliding with another moving vehicle, driving through your garage door, rolling your car and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Liability coverage – Liability coverage protects you from injuries or damage you cause to people or other property in an accident. This coverage protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims such as funeral expenses, medical services, emergency aid and bail bonds. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive insurance – This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as hail damage, fire damage, theft, falling objects and damage from flooding. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for medical expenses – Coverage for medical payments and/or PIP provide coverage for bills such as prosthetic devices, nursing services, dental work and hospital visits. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible

Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Ford Focus.

Since a lot of 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 should not be overlooked. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Final thoughts

Affordable 2006 Ford Focus insurance is definitely available online as well as from independent agents, and you should be comparing both to have the best rate selection. Some insurance providers don’t offer the ability to get a quote online and these small, regional companies work with independent agents.

When buying insurance coverage, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are many occasions where an accident victim reduced liability limits or collision coverage only to regret that it was a big mistake. The aim is to buy enough coverage at an affordable rate.

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