Cheaper 2007 Ford Focus Insurance Rates

Overpriced Ford Focus insurance can take a big chunk out of your savings account and put a big crunch on your finances. Doing a price comparison is a smart way to reduce premiums and put more money in your pocket.

Consumers have many auto insurance companies to pick from, and although it’s a good thing to have multiple companies, lots of choices makes it harder to find the best rates.

Ford Focus insurance rates consist of many parts

Consumers need to have an understanding of the different types of things that come into play when calculating your insurance rates. Understanding what impacts premium levels allows you to make educated decisions that will entitle you to better insurance rates.

  • Better credit means lower rates – Your credit score is a huge factor in determining what you pay for insurance. If your credit is lower than you’d like, you could be paying less to insure your 2007 Ford Focus by spending a little time repairing your credit. Drivers who have high credit ratings tend to be better drivers and file fewer claims than those with poor credit.
  • Increase deductibles and save – The deductibles define the amount you are willing to pay before a claim is paid by your company. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Some examples of claims that would be covered would be running into the backend of another car, collision with an animal, or theft. The more expense the insured has to pay upfront, the less your insurance will be on Focus coverage.
  • Never go without insurance – Driving without insurance is a misdemeanor and insurance companies will penalize you for letting your insurance lapse. And not only will your rates increase, getting caught without coverage might get you a hefty fine and possibly a revoked license.You may then be required to prove you have insurance by filing a SR-22 with your state department of motor vehicles.
  • More than one policy can earn a discount – Most insurers give discounts to people who buy several policies from them, otherwise known as a multi-policy discount. Even though this discount sounds good, it’s still a good idea to compare other company rates to ensure the best deal. You may still be able to find better rates by buying insurance from more than one company.
  • The more you drive the more you pay – The more you drive in a year the more you’ll pay to insure your vehicle. Almost all companies price each vehicle’s coverage determined by how the vehicle is used. Cars and trucks used primarily for pleasure use qualify for better rates compared to those used for work or business. Double check that your insurance policy shows the correct driver usage. Incorrect usage on your Focus may be costing you.
  • Do you need those extra coverages? – There are many add-on coverages that you can get tricked into buying on your insurance policy. Things like rental car reimbursement, accidental death and membership fees are examples of these. They may seem good when talking to your agent, but your needs may have changed so remove them from your policy.
  • Choose a safe vehicle and save – Cars with high safety ratings get lower rates. These vehicles have better occupant injury protection and any reduction in injury severity means lower claim amounts and more competitive rates for policyholders. If your Ford Focus scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • High numbers of claims are not good – Insurance companies provide discounts to insureds who file claims infrequently. If you tend to file frequent claims, you can expect either a policy non-renewal or much higher rates. Your insurance policy is intended to be relied upon for major claims that would cause financial hardship.

Cheap Car Insurance Comparisons

Shopping for lower car insurance rates can be exhausting if you don’t utilize the most efficient way. You could spend the better part of a day talking to agents in your area, or you could use online quotes to get rate comparisons in just a few minutes.

Many insurance companies take part in a program that allows shoppers to only type in their quote data once, and each participating company can provide price quotes for coverage. This saves time by eliminating repetitive form submissions to each individual car insurance company. To find out what other companies charge for 2007 Ford Focus insurance click to open in new window.

The one downside to using this type of system is you can’t choose which companies you want to price. So if you want to select from a list of companies to receive pricing from, we have assembled a list of car insurance companies in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just ensure you are comparing the exact same coverage information for each price quote. If each company quotes different deductibles it will be impossible to truly determine the lowest rate. Quoting even small variations in coverages could mean much higher rates. Keep in mind that quoting more gives you a better chance of getting lower pricing.

Don’t pay full price with these discounts

Companies don’t list all available discounts in a way that’s easy to find, so here is a list both the well known as well as the least known savings tricks you should be using.

  • Seat Belts Save more than Lives – Requiring all passengers to buckle their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Driver Safety – Successfully completing a defensive driving course could save 5% or more and easily recoup the cost of the course.
  • Military Rewards – Having a family member in the military could be rewarded with lower premiums.
  • Braking Control Discount – Vehicles equipped with ABS or steering control can avoid accidents and therefore earn up to a 10% discount.
  • Theft Prevention System – Anti-theft and alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
  • New Car Discount – Adding a new car to your policy can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Sign Early and Save – A few companies offer discounts for signing up prior to your current policy expiration. It can save you around 10%.
  • Bundle and Save – If you insure your home and vehicles with the same insurance company you could get a discount of 10% to 20% off each policy.

Drivers should understand that most discounts do not apply to your bottom line cost. Most only cut the cost of specific coverages such as liability and collision coverage. So when it seems like you can get free auto insurance, it doesn’t quite work that way.

Car insurance companies who might offer these money-saving discounts include:

Before buying, ask each insurance company which discounts they offer. Discounts may not be available everywhere.

Your personal situation dictates your coverage

When it comes to buying proper insurance coverage, there really is no “perfect” insurance plan. Each situation is unique so your insurance should reflect that For instance, these questions can aid in determining whether you might need professional guidance.

  • What if I don’t agree with a claim settlement offer?
  • Am I better off with higher deductibles on my 2007 Ford Focus?
  • Does car insurance cover theft of personal property?
  • Will my rates increase for filing one claim?
  • What if I total my 2007 Ford Focus and owe more than it’s worth?
  • How high should my medical payments coverage be?
  • Am I getting all the discounts available?
  • Am I insured when driving a different vehicle?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Does my insurance cover damage caused when ticketed for reckless driving?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Car insurance coverages for a 2007 Ford Focus

Learning about specific coverages of your insurance policy aids in choosing which coverages you need for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring. Below you’ll find the usual coverages available from insurance companies.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for things like prosthetic devices, funeral costs, doctor visits and surgery. They can be used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Collision – This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like scraping a guard rail, hitting a mailbox, colliding with another moving vehicle and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Ford Focus.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is very important.

Auto liability – Liability coverage will cover damages or injuries you inflict on a person or their property. It protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things such as attorney fees, medical services, emergency aid and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.

Comprehensive coverage – This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as damage from flooding, a broken windshield, falling objects, hail damage and hitting a bird. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

A penny saved is a penny earned

Cheap 2007 Ford Focus insurance is definitely available online and also from your neighborhood agents, and you should be comparing both to have the best chance of lowering rates. Some insurance providers may not provide online quoting and these small insurance companies work with independent agents.

While you’re price shopping online, never buy less coverage just to save a little money. Too many times, someone dropped physical damage coverage to discover at claim time they didn’t purchase enough coverage. Your focus should be to get the best coverage possible for the lowest price.

Throughout this article, we presented a lot of tips how to compare insurance prices online. It’s most important to understand that the more you quote, the more likely it is that you will get a better rate. You may be surprised to find that the best price on insurance is with a smaller regional carrier. These companies may only write in your state and offer lower rates as compared to the big name companies such as Allstate, GEICO and Progressive.

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