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Ford Focus RS Insurance Rates

Comparing car insurance through online rate quotes can be fast and easy and at the same time you can save money. The most important part is to get as many rate quotes as possible so you can compare all your choices.

If you've never shopped for car insurance online, it's easy to be confused by the hoards of car insurance companies offering insurance. There are several ways of comparing rates from car insurance companies in your area. The fastest way to find the lowest Focus RS insurance quotes involves getting comparison quotes online. It is quite easy and can be accomplished by visiting this page.

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Which factors influence Focus RS insurance cost?

Car insurance premiums for a Ford Focus RS can fluctuate considerably depending on several factors. Taken into consideration are:

  • A clean driving record keeps rates low
  • Credit rating impacts rates
  • Your location impacts rates
  • How many miles you drive
  • Male rates may be higher
  • Higher deductibles save money
  • Your vehicle's safety rating
  • Your occupation
  • The amount of protection requested
  • Whether you rent or own your home

An additional factor that can impact Focus RS insurance rates is the year of the vehicle. Used vehicles have a reduced actual cash value than newer models so repair costs tend to be lower which may result in lower rates. But newer vehicles may have safety features including autonomous braking, an advanced theft deterrent system, a telematics system, and adaptive headlights which may provide discounts that lower premiums.

To get more specific information about how rates are influenced for your specific model year, select the year of your vehicle from available model years below.

Auto liability

This coverage can cover damages or injuries you inflict on other people or property. Liability can pay for things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so you should buy as high a limit as you can afford.

Auto collision coverage

This coverage covers damage to your Ford caused by collision with an object or car. A deductible applies then your collision coverage will kick in. Focus RS collision insurance is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection when the "other guys" either are underinsured or have no liability coverage at all. Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for expenses such as doctor visits, EMT expenses, and X-ray expenses. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage.

How Much are Ford Focus RS Insurance Rates?