2013 Ford Focus Insurance Quotes – 6 Tips to Save

Looking for lower car insurance rates for your Ford Focus? Confused by the number of car insurance options? Lot’s of other consumers are too. Drivers have so many companies to choose from that it can easily become a real hassle to find lower rates.

It’s a good habit to take a look at other company’s rates every six months due to the fact that insurance rates fluctuate regularly. Even if you think you had the lowest rates for Focus insurance a couple years back other companies may now be cheaper. Starting now, ignore everything you know about car insurance because you’re going to get a crash course in how to quote online to properly buy coverages and cut your premium.

Don’t miss out on these six money-saving discounts

Car insurance can cost a lot, but there could be available discounts that many people don’t even know exist. Certain discounts will be triggered automatically at the time of purchase, but some must be specifically requested before being credited.

  • No Charge for an Accident – A handful of insurance companies allow you one accident without raising rates so long as you haven’t had any claims for a particular time prior to the accident.
  • Theft Prevention System – Anti-theft and alarm systems can help prevent theft and therefore earn up to a 10% discount.
  • Lower Rates for Military – Having a deployed family member could mean lower rates.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less for Focus insurance than drivers with accidents.
  • Own a Home – Being a homeowner can save you money because maintaining a house demonstrates responsibility.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy may reduce the rate for each vehicle.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire cost. Some only apply to specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like adding up those discounts means a free policy, it doesn’t quite work that way. Any amount of discount will bring down the amount you have to pay.

To see a list of insurance companies with the best insurance discounts, click this link.

Car insurance ads bend the truth

Car insurance providers like Allstate and Progressive continually stream television and radio advertisements. They all have a common claim of big savings after switching to their company. How can each company make almost identical claims? It’s all in the numbers.

Different companies have a preferred profile for the right customer they prefer to insure. An example of a profitable customer might be profiled as a mature driver, is a homeowner, and drives less than 10,000 miles a year. A propective insured who fits that profile gets the lowest rates and therefore will save quite a bit of money when switching.

Drivers who are not a match for these standards will be charged higher premiums which usually ends up with business going elsewhere. The ads state “customers that switch” not “everyone that quotes” save that kind of money. That’s the way insurance companies can confidently claim big savings.

That is why you absolutely need to quote coverage with many companies. It’s impossible to know the company that will give you the biggest savings on Ford Focus insurance.

Do I need special coverages?

When choosing the right insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is a little different.

These are some specific questions might point out whether you would benefit from professional advice.

  • Is other people’s property covered if stolen from my vehicle?
  • Am I missing any policy discounts?
  • Which is better, split liability limits or combined limits?
  • Does my insurance cover my expensive audio equipment?
  • Can I rate high risk drivers on liability-only vehicles?
  • Am I covered if my car is in a flood?
  • Is my ex-spouse still covered by my policy?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form.

Insurance coverage specifics

Having a good grasp of your insurance policy helps when choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like prosthetic devices, chiropractic care, EMT expenses and dental work. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things such as a broken windshield, a tree branch falling on your vehicle, falling objects and theft. The maximum amount your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for collisions

This 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 parking meter, crashing into a ditch and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your 2013 Ford Focus.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Usually these limits are similar to your liability insurance amounts.

Auto liability insurance

Liability coverage protects you from damages or injuries you inflict on other people or property that is your fault. Coverage consists of three different 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 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as repair bills for other people’s vehicles, emergency aid, funeral expenses, medical expenses and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Make an honest buck

Cheaper 2013 Ford Focus insurance is attainable online in addition to many insurance agents, and you need to price shop both to have the best selection. Some insurance providers do not provide you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

Insureds who switch companies do it for many reasons like lack of trust in their agent, being labeled a high risk driver, not issuing a premium refund and even poor customer service. Regardless of your reason, finding a great new company is not as hard as you think.

Throughout this article, we presented some good ideas how you can reduce insurance prices online. The key concept to understand is the more rate comparisons you have, the higher your chance of finding lower rates. You may be surprised to find that the best prices are with a smaller regional carrier.

More information can be read at the links below