2018 Ford Focus Insurance Rates – 9 Tips for Best Quotes

Searching for lower insurance coverage rates for your Ford Focus? Feel like you’re a prisoner to an expensive insurance coverage policy? It’s a common feeling and there are many people just like you. Big companies like GEICO, Farmers Insurance and State Farm promote their brand names with advertising and it is difficult to avoid their marketing magic and do the work needed to find the best deal.

If you have insurance now or are shopping for new coverage, you can learn to shop for the lowest rates while maximizing coverage. Finding affordable coverage is quite easy. Consumers just need to know the tricks to get comparison rates on the web.

Auto insurance discounts are available to reduce your rates

Auto insurance is not an enjoyable expense, but you might already qualify for some discounts that may help make it more affordable. A few discounts will be applied at quote time, but some may not be applied and must be inquired about before being credited.

  • Accident Free – Drivers with accident-free driving histories can save substantially as compared to policyholders that have many claims.
  • Anti-lock Brake Discount – Cars with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
  • Government Employee Discount – Simply working for the federal government could provide a small rate reduction on Focus coverage with some auto insurance companies.
  • Multi-Vehicle Discounts – Having more than one vehicle with the same auto insurance company could earn a price break for each car.
  • Distant Student – who are enrolled in a college that is more than 100 miles from home and do not have access to a covered vehicle could qualify for this discount.
  • Discount for Passive Restraints – Vehicles equipped with air bags may earn rate discounts of 20% or more.
  • Good Students Pay Less – Maintaining excellent grades may save as much as 25% on a auto insurance quote. Many companies even apply the discount to college students up until you turn 25.
  • Professional Memberships – Belonging to a professional or civic organization could earn you a nice discount when shopping for auto insurance.
  • Low Miles Discount – Keeping the miles down on your Ford may enable drivers to earn slightly better rates than normal.

As a sidenote, many deductions do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like all the discounts add up to a free policy, you’re out of luck.

Large auto insurance companies and their possible discounts are included below.

  • 21st Century may offer discounts for early bird, 55 and older, defensive driver, theft prevention, automatic seat belts, and teen driver.
  • State Farm discounts include accident-free, student away at school, Steer Clear safe driver discount, safe vehicle, Drive Safe & Save, and passive restraint.
  • AAA offers discounts for education and occupation, AAA membership discount, multi-policy, good student, good driver, multi-car, and pay-in-full.
  • Liberty Mutual policyholders can earn discounts including safety features, good student, multi-car, preferred payment discount, and newly retired.
  • Progressive offers discounts including continuous coverage, good student, multi-vehicle, online quote discount, homeowner, and online signing.

When quoting, ask each insurance company which discounts they offer. Some of the earlier mentioned discounts might not be available to policyholders in your area. To find providers who offer auto insurance discounts, click this link.

The best way to compare rates is to know the trick most of the bigger providers will pay a fee to give free rates quotes. All consumers are required to do is take a few minutes to give details like distance driven, if you are currently licensed, driver details, and if you require a SR-22. That rating data is then submitted to multiple different insurance companies and they provide comparison quotes instantly to find the best rate.

To find lower rates now, click here and find out if you can get cheaper insurance.

Everyone needs different car insurance coverages

When buying proper insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Each situation is unique so this has to be addressed. These are some specific questions can aid in determining if you might need professional guidance.

  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Do I have coverage when pulling a U-Haul trailer?
  • Is a fancy paint job covered?
  • Does my policy pay for OEM or aftermarket parts?
  • Can I afford to pay high deductible claims out of pocket?
  • Do I need PIP coverage since I have good health insurance?

If it’s difficult to answer those questions, you might consider talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area. It only takes a few minutes and can provide invaluable advice.

Insurance coverage options for a Ford Focus

Learning about specific coverages of your policy can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be ambiguous and coverage can change by endorsement. Below you’ll find the usual coverages available from insurance companies.

Medical costs insurance

Coverage for medical payments and/or PIP pay for immediate expenses for EMT expenses, prosthetic devices and funeral costs. They can be used in conjunction with a health insurance plan or if you do not have health coverage. They cover you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like colliding with a tree, scraping a guard rail and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.

UM/UIM Coverage

This coverage provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and also any damage incurred to your 2018 Ford Focus.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally these coverages do not exceed the liability coverage limits.

Comprehensive or Other Than Collision

This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as falling objects, hitting a deer, hail damage, hitting a bird and rock chips in glass. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto liability

This coverage protects you from injuries or damage you cause to a person or their property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits 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 property damage coverage for $50,000. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers claims such as repair bills for other people’s vehicles, legal defense fees and medical expenses. How much coverage you buy is your choice, but buy as much as you can afford.

A little work can save a LOT of money

When getting auto insurance quotes online, make sure you don’t sacrifice coverage to reduce premiums. There have been many cases where an accident victim reduced collision coverage only to find out they didn’t purchase enough coverage. Your objective should be to buy enough coverage at the best price, but do not sacrifice coverage to save money.

Budget-friendly insurance is attainable both online and with local insurance agents, so you need to quote auto insurance with both to get a complete price analysis. A few companies may not have the ability to get a quote online and these smaller companies only sell through independent agents.

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