Compare 2014 Ford Focus Insurance Quotes

Want the cheapest insurance coverage rates for your Ford Focus? Tired of robbing Peter to pay Paul to insure your Ford every month? You’re in the same situation as the majority of other car owners. Insurance companies such as Geico and Progressive promote their brand names with TV and radio ads and consumers find it hard to ignore the flashy ads and take the time to shop coverage around.

Save big with these discounts

The price of auto insurance can be rather high, but you can get discounts that you may not even be aware of. Some trigger automatically at the time of quoting, but a few need to be inquired about before being credited. If you don’t get every credit you qualify for, you are throwing money away.

Sign Online – A handful of insurance companies give back up to $50 just for signing your application online.
Drive Safe and Save – Insureds without accidents can pay as much as 50% less for Focus coverage than their less cautious counterparts.
Bundle and Save – When you combine your home and auto insurance with the same insurance company you may earn approximately 10% to 15%.
Good Student Discount – This discount can get you a discount of up to 25%. The discount lasts well after school through age 25.
Defensive Driving Course – Taking a driver safety course could save 5% or more depending on where you live.
Low Mileage Discounts – Fewer annual miles on your Ford could qualify for lower rates on the low mileage vehicles.
New Car Discount – Adding a new car to your policy can save up to 30% due to better safety requirements for new cars.
Sign Early and Save – Some companies give discounts for signing up before your current expiration date. It can save you around 10%.

It’s important to note that most discount credits are not given to the entire policy premium. Most only cut individual premiums such as liability and collision coverage. So even though it sounds like adding up those discounts means a free policy, companies wouldn’t make money that way. But any discount will reduce your overall premium however.

To see a list of insurance companies who offer insurance coverage discounts, click here.

How to Buy Car Insurance Online

Effectively comparing car insurance prices can take hours if you don’t know the easiest way. You can waste hours driving to insurance agencies in your area, or you could save time and use online quoting to get the quickest rates.

Most of the larger companies participate in a marketplace that enables customers to only type in their quote data once, and each company provides a quote based on that data. This eliminates the need for quotation requests to every company.

To find out what other companies charge for 2014 Ford Focus insurance click here to open in new window.

The only drawback to comparing rates this way is that consumers can’t choose the insurers to get pricing from. If you wish to select from a list of companies to compare rates, we have assembled a list of the cheapest car insurance companies in your area. Click here to view list.

Whichever way you use, compare apples-to-apples coverage limits on every quote you get. If the quotes have higher or lower deductibles it will be next to impossible to truly determine the lowest rate.

But I don’t know anything about car insurance

When buying the right insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Every insured’s situation is different so this has to be addressed. These are some specific questions can help discover if your insurance needs would benefit from professional advice.

Am I insured when driving a different vehicle?
Do I need special endorsements for business use of my vehicle?
Is rental equipment covered for theft or damage?
Can I make deliveries for my home business?
When should my teen driver be added to my policy?
Does my personal policy cover me when driving out-of-state?
What is the difference between comprehensive and collision coverage?
Why do I need rental car insurance?
Where can I find DUI or SR-22 insurance?
Are my friends covered when driving my 2014 Ford Focus?

If it’s difficult to answer 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 insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance coverage information

Having a good grasp of a car insurance policy helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Listed below are typical coverage types found on most car insurance policies.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This gives you protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently these coverages are identical to your policy’s liability coverage.

Collision – This will pay to fix damage to your Focus resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as damaging your car on a curb, crashing into a building and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Comprehensive auto coverage – This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like damage from getting keyed, hail damage, vandalism, damage from flooding and hitting a bird. The most your car insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP reimburse you for expenses like rehabilitation expenses, pain medications, doctor visits, ambulance fees and prosthetic devices. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Auto liability – Liability insurance will cover damages or injuries you inflict on people or other property by causing an accident. It protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: 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 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Some companies may use one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability coverage protects against things such as loss of income, legal defense fees, funeral expenses, emergency aid and structural damage. How much liability coverage do you need? That is your choice, but consider buying as much as you can afford.

Have the Midas touch

Cheaper 2014 Ford Focus insurance is possible online and also from your neighborhood agents, and you need to price shop both to have the best rate selection. Some insurance companies may not provide online quoting and many times these smaller companies only sell through independent insurance agents.

We just covered many ideas to reduce insurance prices online. It’s most important to understand that the more quotes you get, the more likely it is that you will get a better rate. You may be surprised to find that the biggest savings come from a small mutual company. Smaller companies may only write in your state and offer lower rates than the large multi-state companies such as Geico and State Farm.