Cheaper 2017 Ford Focus Insurance Quotes

Getting the most affordable insurance coverage may be rather challenging for beginners to buying insurance on the web. With more and more companies, how can anyone be able to compare the different rates to find the best available price?

If you have car insurance now, you will most likely be able to lower your premiums substantially using these tips. Pricing more affordable insurance coverage coverage is easy if you know what you’re doing. But drivers must comprehend the way insurance companies price online insurance and apply this information to your search.

Finding car insurance

There are several ways to compare rate quotes from companies that offer car insurance in your state. The fastest way to find the cheapest 2017 Ford Focus insurance rates is to get quotes online. This is very easy and can be done using a couple different methods.

  1. If you don’t have a lot of time, the easiest way to compare a lot of rates at once would be an industry-wide quote request form click to view form in new window. This style of form keeps you from doing boring form submissions for each price estimate. Filling out one form will get you rate comparisons from multiple companies. This is perfect if you don’t have a lot of time.
  2. A more difficult way to analyze rates is to take the time to go to each company’s website and complete a new quote form. For instance, we’ll assume you want to compare Progressive, Liberty Mutual and Allstate. You would be required to visit each site and punch in your information repeatedly, which explains why we recommend starting with the first method. For a list of links to insurance companies in your area, click here.
  3. The old school method to find and compare rates is actually driving to different agent offices. Comparing online rate quotes reduces the need to sit down with an agent unless your situation requires the professional advice that only an agent can give. Some companies do allow you to price shop online and have a local agent actually service the policy.

Whichever way you choose to compare rates, ensure you are comparing the exact same coverages on every price quote you get. If you have different data it will be very difficult to make an equal comparison. Quoting even small variations in insurance coverages or limits may cause a big price difference. And when comparison shopping, comparing all the rates in your area will enable you to find the best price.

Get cheap insurance with discounts

Some insurers don’t list every discount very well, so the list below gives a summary of a few of the more common and the harder-to-find credits that may apply to you.

  • Discounts for New Vehicles – Adding a new car to your policy can be considerably cheaper due to better safety requirements for new vehicles.
  • Accident Waiver – but a handful of insurance companies may permit one accident before your rates go up with the catch being you have to be claim-free for a specific time period.
  • Anti-lock Brake System – Vehicles that have steering control and anti-lock brakes can reduce accidents so companies give up to a 10% discount.
  • E-sign – Some of the larger companies will provide an incentive for buying your policy digitally online.
  • Seat Belt Usage – Forcing all vehicle occupants to buckle their seat belts could cut 10% or more on medical payment and PIP coverage.
  • More Vehicles More Savings – Insuring several vehicles with the same insurance company can reduce rates for all insured vehicles.
  • Theft Deterent Discount – Anti-theft and alarm system equipped vehicles are stolen less frequently and can earn a small discount on your policy.
  • Early Payment Discounts – If paying your policy premium upfront instead of monthly or quarterly installments you can avoid monthly service charges.

Just know that some credits don’t apply to your bottom line cost. Most only reduce the cost of specific coverages such as liability and collision coverage. If you do the math and it seems like adding up those discounts means a free policy, it doesn’t quite work that way.

A list of companies and their offered discounts can be read below.

  • Farmers Insurance discounts include business and professional, homeowner, teen driver, early shopping, bundle discounts, and youthful driver.
  • Esurance has discounts for online quote, emergency road assistance, good driver, defensive driver, DriveSense, and online shopper.
  • State Farm offers premium reductions for multiple policy, student away at school, good driver, driver’s education, anti-theft, Steer Clear safe driver discount, and Drive Safe & Save.
  • Geico policyholders can earn discounts including multi-vehicle, defensive driver, five-year accident-free, multi-policy, anti-lock brakes, and emergency military deployment.
  • Allstate offers discounts for teenSMART discount, economy car, defensive driver, anti-lock brakes, farm vehicle, EZ pay plan discount, and multi-policy.

When quoting, ask each company or agent which discounts you may be entitled to. Some of the discounts discussed earlier might not be offered on policies in your area. To choose insurers that offer many of these discounts, click here to view.

Tailor your insurance coverage coverage to you

When it comes to choosing the right insurance coverage for your vehicles, there really is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

These are some specific questions can aid in determining whether your personal situation might need an agent’s assistance.

  • When does my teenage driver need to be added to my policy?
  • Is a blown tire covered by insurance?
  • When can I cancel my policy?
  • Why am I required to buy high-risk coverage?
  • Does insurance cover tools stolen from my truck?
  • How can I get high-risk coverage after a DUI?
  • When should I drop full coverage on my 2017 Ford Focus?
  • Is my camper covered by my car insurance policy?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form.

Auto insurance coverage information

Knowing the specifics of your car insurance policy aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and damage to your Ford Focus.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these limits are identical to your policy’s liability coverage.

Comprehensive auto coverage – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like damage from getting keyed, rock chips in glass and a tree branch falling on your vehicle. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Liability insurance – This provides protection from damages or injuries you inflict on other people or property. It protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like funeral expenses, emergency aid and legal defense fees. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like surgery, funeral costs and ambulance fees. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Collision coverages – Collision insurance covers damage to your Focus caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like rolling your car, driving through your garage door and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Power to the consumer

In this article, we presented a lot of information how to reduce 2017 Ford Focus insurance car insurance rates online. The key thing to remember is the more you quote car insurance, the better your chances of lowering your premium rates. Consumers could even find that the lowest priced insurance comes from the smaller companies.

More affordable insurance can be bought both online and with local insurance agents, so you should compare both to have the best rate selection. Some insurance providers may not have rates over the internet and usually these smaller companies prefer to sell through independent agencies.

When searching for cheap car insurance quotes, make sure you don’t buy less coverage just to save a little money. In too many instances, someone sacrificed uninsured motorist or liability limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to purchase plenty of coverage for the lowest price and still be able to protect your assets.

Additional insurance information is available at the links below