Consumers have options when looking for the best price on Ford Focus insurance. They can either spend hours driving around getting price quotes or leverage the internet to make rate comparisons.
There is a better way to buy auto insurance so you’re going to learn the absolute fastest way to get price quotes for a new or used Ford and get the lowest price from local insurance agents and online providers.
It’s smart to compare rates occasionally since rates go up and down regularly. Despite the fact that you may have had the lowest rates last year you can probably find a lower rate today. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to the best methods to eliminate unnecessary coverages and save money.
Ford Focus rates are complex
An important part of buying insurance is that you know the rating factors that play a part in calculating the rates you pay for auto insurance. Knowing what controls the rates you pay enables informed choices that may reward you with much lower annual insurance costs.
Shown below are a partial list of the pieces auto insurance companies consider when setting rates.
An active claims history can cost you – If you frequently file small claims, you can expect either policy cancellation or increased premiums. Car insurance companies give lower rates to people who are claim-free. Your insurance policy is intended for the bigger claims that can’t be paid out-of-pocket.
Multi-policy discounts can save money – Some auto insurance companies will give a discount to insureds who have multiple policies with them in the form of a multi-policy discount. Even though this discount sounds good, you may still want to compare rates to ensure the best deal.
Policy add-ons can waste money – There are quite a few add-on coverages that you can buy when buying auto insurance. Coverages for vanishing deductibles, towing coverage and term life insurance may be wasting your money. They may seem like a good idea at first, but if they’re wasting money eliminate them to save money.
Big city or small town – Residing in small towns and rural areas can be a good thing when talking about auto insurance. Drivers in populated areas have much more traffic and longer commute times. Fewer drivers translates into fewer accidents as well as less vandalism and auto theft.
How to Get Cheaper Auto Insurance
Getting better Ford Focus auto insurance pricing is actually quite simple. Just take time to compare quotes online from several insurance companies. This is very easy and can be done in a couple of different ways.
- One of the best ways to find the lowest comparison rates is a comparison rater form (click to open form in new window). This form eliminates the need for multiple quote forms for each company you want a rate for. Just one form compares rates from all major companies. This is by far the quickest method.
- A different way to compare rate quotes is to take the time to go to the website for each individual company and fill out their own quote form. For instance, let’s assume you want to compare rates from Allstate, State Farm and Farmers. To get each rate you have to take the time to go to each site and enter your policy data, which is why the first method is more popular. For a list of links to companies insuring cars in your area, click here.
However you get your quotes, make absolute certain that you use identical coverage limits and deductibles for every quote you compare. If you compare higher or lower deductibles you can’t possibly determine the lowest rate for your Ford Focus.
Don’t miss out on these six money-saving discounts
Car insurance is not cheap, but you may find discounts that many people don’t even know exist. A few discounts will automatically apply at the time of purchase, but lesser-known reductions have to be asked for prior to receiving the credit. If you’re not getting every credit you deserve, you’re paying more than you need to.
- Sign Online – A few companies may give you up to $50 for buying a policy and signing up over the internet.
- College Student – Any of your kids who are attending college and don’t have a car can receive lower rates.
- Memberships – Being a member of a qualifying organization could trigger savings on auto insurance.
- Accident Waiver – Certain companies permit an accident before raising your premiums as long as you don’t have any claims for a set time period.
- Drivers Education – Have your child complete a driver education course if offered at their school.
- Government Employees – Being employed by or retired from a federal job could cut as much as 10% off with select insurance companies.
It’s important to note that most of the big mark downs will not be given to your bottom line cost. Most cut the cost of specific coverages such as comprehensive or collision. So when it seems like you would end up receiving a 100% discount, auto insurance companies aren’t that generous. But all discounts will bring down the amount you have to pay.
Do I need special coverages?
When choosing adequate coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s.
For example, these questions may help you determine whether your personal situation might need professional guidance.
- Can I get a multi-policy discount for packaging my home and auto coverage?
- How high should my uninsured/underinsured coverage be my state?
- Are rental cars covered under my policy?
- What happens if I owe more than my Ford Focus is worth?
- Am I covered when pulling a rental trailer?
- Can I afford to buy a different vehicle if my Ford Focus is totalled?
- Does medical payments coverage apply to all occupants?
If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form. It is quick, free and can help protect your family.
And the best car insurance company is…
Insureds leave their current company for many reasons like being labeled a high risk driver, policy non-renewal, questionable increases in premium or poor customer service. No matter why you want to switch, choosing a new insurance company is actually quite simple.
As you restructure your insurance plan, make sure you don’t sacrifice coverage to reduce premiums. Too many times, an insured cut comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. The aim is to buy the best coverage you can find at an affordable rate.
Lower priced Ford Focus insurance can be found both online and also from your neighborhood agents, so compare prices from both so you have a total pricing picture. Independent agents are able to place your coverage with small, regional companies who may not provide the ability to get a quote online.
