2007 Ford Focus Insurance Cost

Searching for better insurance rates? Consumers have options when looking for low-cost Ford Focus insurance. You can either spend your time struggling with agents getting price quotes or leverage the internet to compare rates. There are both good and bad ways to buy insurance so you’re going to learn the best way to get price quotes on a Ford and get the lowest possible price either online or from local insurance agents.

Vehicle Insurance Comparison

Finding a lower price on 2007 Ford Focus insurance isn’t really that difficult. All you need to do is spend a few minutes comparing rate quotes from different insurance companies. This can be accomplished in just a few minutes using one of these methods.

One of the best ways to get quotes is an all-inclusive rate comparison like this one (opens in new window). This easy form eliminates the need for repetitive form submissions for each company. One quote request will get you rate comparisons from several companies. Recommended for those who want to invest the least amount of time.

A less efficient way to get quotes online is going to each company website and fill out their own quote form. For example, let’s assume you want to compare Progressive, Esurance and Travelers. To get rate quotes you would need to take the time to go to each site and enter your information, which is why the first method is quicker.

For a handy list of car insurance company links in your area, click here.

Whichever way you use, double check that you are using apples-to-apples information for every company. If your comparisons have mixed coverages it’s impossible to determine the best price for your Ford Focus.

Drivers who switch save $440 a year? Really?

Consumers can’t ignore all the ads for the lowest price auto insurance by State Farm and Allstate. All the companies make the same claim about savings if you move to their company.

How can each company make the same claim?

Insurance companies are able to cherry pick for the driver they prefer to insure. An example of a profitable customer might be between 30 and 50, is a homeowner, and drives newer vehicles. Any driver who fits that profile will qualify for the lowest rates and as a result will probably save quite a bit of money when switching.

Potential customers who don’t qualify for this ideal profile will be charged a higher premium and this can result in business going elsewhere. The ads say “customers who switch” not “people who quote” save that much. This is how companies can truthfully claim big savings. That is why you need to quote coverage with many companies. It’s impossible to know which insurance companies will have the lowest Ford Focus insurance rates.

Take advantage of discounts

Companies offering auto insurance do not list every discount very well, so we took the time to find both the well known and also the lesser-known discounts you could be receiving. If you don’t get every credit possible, you’re paying more than you need to.

  • Passive Restraints and Air Bags – Cars that have air bags can receive discounts of more than 20%.
  • Pay Upfront and Save – If paying your policy premium upfront rather than paying monthly you may reduce your total bill.
  • Multi-car Discount – Buying coverage for more than one vehicle on the same auto insurance policy may reduce the rate for each vehicle.
  • Auto/Life Discount – Select insurance companies reward you with better rates if you take out a life insurance policy as well.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control prevent accidents and therefore earn up to a 10% discount.
  • Paperwork-free – Certain companies give back up to $50 simply for signing online.

Keep in mind that most discount credits are not given to the overall cost of the policy. Some only apply to specific coverage prices like medical payments or collision. Just because you may think you would end up receiving a 100% discount, it doesn’t quite work that way.

Insurance companies who might offer these benefits include:

Before buying, ask all companies you are considering which discounts you may be entitled to. Discounts may not be available everywhere.

How to know if you need help

When choosing adequate coverage, there isn’t really a best way to insure your cars. Everyone’s situation is a little different.

Here are some questions about coverages that can help discover if your insurance needs might need an agent’s assistance.

  • What if I don’t agree with a claim settlement offer?
  • Are my tools covered if they get stolen from my vehicle?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Do I need to file an SR-22 for a DUI in my state?
  • How much liability coverage do I need in my state?
  • When should I drop full coverage on my 2007 Ford Focus?
  • If my pet gets injured in an accident are they covered?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form. It’s fast, free and you can get the answers you need.

Insurance coverage options for a 2007 Ford Focus

Understanding the coverages of insurance can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as chiropractic care, dental work and doctor visits. They can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like hitting a bird, a tree branch falling on your vehicle and hail damage. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability insurance

This coverage will cover damages or injuries you inflict on people or other property in an accident. This insurance protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability can pay for things such as structural damage, legal defense fees, medical expenses, emergency aid and funeral expenses. How much coverage you buy is your choice, but buy as much as you can afford.

Collision insurance

This coverage will pay to fix damage to your Focus resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as hitting a mailbox, sustaining damage from a pot hole and crashing into a building. This coverage can be expensive, so consider dropping it from older vehicles. You can also choose a higher deductible to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Ford Focus.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Final considerations

When shopping online for auto insurance, never sacrifice coverage to reduce premiums. There have been many situations where an insured dropped collision coverage to discover at claim time that it was a big mistake. Your goal should be to purchase a proper amount of coverage at the best price while not skimping on critical coverages.

People who switch companies do it for a variety of reasons including policy cancellation, delays in responding to claim requests, questionable increases in premium and delays in paying claims. No matter why you want to switch, switching auto insurance companies is pretty simple and you could end up saving a buck or two.

We covered a lot of tips how to reduce 2007 Ford Focus insurance prices online. The most important thing to understand is the more providers you compare, the better chance you’ll have of finding lower rates. You may even find the best prices are with the least-expected company.

More detailed auto insurance information can be found at these sites: