Save on 2008 Ford Focus Insurance Quotes

Trying to find the cheapest insurance coverage rates for your Ford Focus? Finding affordable insurance coverage is hard for consumers new to shopping for insurance online. Consumers have so many companies to choose from that it can be a ton of work to find lower rates.

If you have car insurance now, you will most likely be able to reduce your rates substantially using these techniques. Buying the best auto insurance is quite easy. But car owners need to learn how the larger insurance companies determine prices and apply this information to your search.

How to Compare Auto Insurance

When shopping for auto insurance there are multiple ways to compare rate quotes from auto insurance companies in your area. The fastest way to find competitive 2008 Ford Focus insurance rates involves getting comparison quotes online. It is quite easy and can be accomplished in several different ways.

The first (and easiest) way to get the best comparison quotes is a comparison rater form (click to open form in new window). This form saves time by eliminating repetitive form submissions for each company you want a rate for. Taking the time to complete one form will return price quotes from many national carriers. It’s definitely the quickest method.
A less efficient way to compare rate quotes is going to each company’s website and request a quote. For examples sake, we’ll pretend you want to compare rates from GEICO, Safeco and Travelers. You would have to take the time to go to each site and enter your information, which is why most consumers use the first method.
For a handy list of car insurance company links in your area, click here.
The least efficient method of getting rate comparisons is to spend time driving to local insurance agencies. Shopping for auto insurance online has reduced the need for local agents unless you require the trained guidance of a licensed agent. You can, however, price shop online but buy from a local insurance agent and you’ll learn how to do that later.

Whichever way you use, make sure you use identical quote information for each comparison quote. If each company quotes different deductibles then you won’t be able to make a fair comparison for your Ford Focus. Quoting even small variations in insurance coverages may cause a big price difference. Just remember that having more price comparisons will improve the odds of getting lower pricing.

Cut your premium with discounts

Car insurance companies don’t always list all their discounts very clearly, so the following is a list of both well-publicized as well as the least known discounts you could be receiving.

Safe Drivers – Safe drivers may save up to 50% more on Focus coverage than drivers with accidents.
Safety Course Discount – Taking part in a driver safety course can save you 5% or more and easily recoup the cost of the course.
Lower Rates for Military – Having a deployed family member may qualify for rate reductions.
Senior Citizens – Mature drivers can possibly qualify for a small decrease in premiums on Focus coverage.
E-sign – A handful of insurance companies will discount your bill up to fifty bucks for buying your policy online.

A little note about advertised discounts, most discounts do not apply to all coverage premiums. Most only cut specific coverage prices like comprehensive or collision. Just because you may think all the discounts add up to a free policy, insurance coverage companies aren’t that generous.

A partial list of companies who might offer these benefits include:

Double check with each company how you can save money. Savings might not apply everywhere.

What is the best insurance coverage?

When buying the best insurance coverage, there really is no single plan that fits everyone. Every insured’s situation is different.

Here are some questions about coverages that can help discover if your situation will benefit from professional help.

What is roadside assistance coverage?
What companies insure drivers after a DUI or DWI?
What if I owe more than I can insure my car for?
How can I get my company to pay me more for my totalled car?
Should I file a claim if it’s only slightly more than my deductible?
When can I cancel my policy?
Is other people’s property covered if stolen from my vehicle?
What should my uninsured motorist coverage limits be in my state?
If my pet gets injured in an accident are they covered?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Auto insurance 101

Knowing the specifics of your insurance policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring.

Coverage for uninsured or underinsured drivers

This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as scraping a guard rail, colliding with a tree and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Auto liability

Liability insurance will cover damage that occurs to a person or their property that is your fault. This coverage protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability can pay for things like bail bonds, repair bills for other people’s vehicles, funeral expenses and attorney fees. How much liability should you purchase? That is a personal decision, but you should buy as large an amount as possible.

Comprehensive insurance

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as damage from flooding, hitting a bird, falling objects and hail damage. The maximum payout a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for immediate expenses for things like funeral costs, ambulance fees, X-ray expenses, surgery and EMT expenses. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage