2011 Ford Focus Insurance Rates – 10 Tips for Best Quotes

Buyers have a choice when searching for affordable Ford Focus insurance. You can either waste hours contacting agents to get rate comparisons or use the internet to find the lowest rates. There are more efficient ways to shop for insurance so we’re going to tell you the quickest way to price shop coverage for your Ford and find the cheapest rates from both online companies and local agents.

Smart consumers take time to compare rates quite often because prices are usually higher with each renewal. Despite the fact that you may have had the lowest price for Focus coverage two years ago you can probably find a lower rate today. Forget anything you know (or think you know) about insurance because we’re going to demonstrate the quickest way to lower your rates without sacrificing coverage.

Which Insurance Coverage is Cheapest?

Most companies such as Progressive, Allstate and GEICO provide coverage price quotes online. Getting online quotes doesn’t take much effort as you just type in your coverage information as requested by the quote form. Behind the scenes, the system gets credit information and your driving record and returns a price.

Online price quotes makes it a lot easier to compare rates but having to visit each company’s website and repetitively enter the same data into a form gets old quite quickly. Unfortunately, it is important to get many rate quotes if you are searching for a better rate.

The easiest way to locate the lowest prices makes use of a single form that analyzes rates from multiple companies. It saves time, requires less work, and makes online price comparison much easier. After your information is entered, it is rated and you are able to buy any of the resulting price quotes. If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the policy. It takes just a few minutes to complete and you’ll know if lower rates are available.

In order to find out how much you can save on insurance coverage, simply click here to open in new window and complete the simple form. If you have coverage now, it’s recommended you replicate the coverage information exactly as shown on your declarations page. This ensures you will get a rate comparison using the same coverage and limits.

Is there deception in advertising?

Consumers constantly see and hear ads for car insurance savings by companies like Progressive, Allstate and GEICO. They all have a common claim of big savings if you switch to them.

How can each company claim to save you money? It’s all in the numbers.

Different companies have a certain “appetite” for the driver they prefer to insure. An example of a preferred risk could be between 30 and 50, is a homeowner, and drives less than 7,500 miles a year. Any driver who meets those qualifications receives the best rates and as a result will probably pay quite a bit less when switching companies.

Potential insureds who do not match this ideal profile will be charged higher rates and ends up with business going elsewhere. The ad wording is “people who switch” not “everybody who quotes” save money. That’s why companies can state the savings. That is why you need to compare many company’s rates. Because you never know which company will fit your personal profile best.

Discounts can save BIG

Companies offering auto insurance don’t always advertise every available discount very well, so we break down both the well known and the more hidden ways to save on insurance coverage. If you don’t get every credit you deserve, you are paying more than you should be.

  • Paperless Signup – Some insurance companies give back up to $50 for buying a policy and signing up over the internet.
  • Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less for Focus coverage than their less cautious counterparts.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.
  • Defensive Driver – Completing a driver safety course can save you 5% or more if you qualify.
  • Discount for Life Insurance – Some companies give better rates if you take out life insurance from them.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Ford could be rewarded with lower rates on the low mileage vehicles.
  • Payment Method – If you pay your bill all at once instead of making monthly payments you can actually save on your bill.
  • Multi-car Discount – Buying insurance for more than one vehicle on the same insurance coverage policy could earn a price break for each car.
  • Government Employees – Active or retired federal employment could cut as much as 10% off for Focus coverage with certain companies.
  • Good Student – Performing well in school can earn a discount of 20% or more. The discount lasts up to age 25.

Drivers should understand that some of the credits will not apply to the entire cost. Most only reduce specific coverage prices like collision or personal injury protection. So when it seems like all those discounts means the company will pay you, insurance coverage companies aren’t that generous.

To see a list of providers with the best insurance coverage discounts, follow this link.

Will just any policy work for me?

When buying proper insurance coverage, there isn’t really a “best” method to buy coverage. Each situation is unique.

Here are some questions about coverages that might help in determining whether you might need an agent’s assistance.

  • Do I need roadside assistance coverage?
  • Is my trailer covered?
  • Does my insurance cover a custom paint job?
  • Should I rate my 2011 Ford Focus as pleasure use or commute?
  • Am I missing any policy discounts?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I benefit by insuring my home with the same company?
  • Can I get a multi-policy discount?
  • Does my car insurance cover rental cars?
  • Do I have coverage for damage caused while driving under the influence?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Specific coverages for a Ford Focus

Understanding the coverages of car insurance aids in choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for expenses for prosthetic devices, pain medications and chiropractic care. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision

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

Comprehensive coverage pays for claims like falling objects, a broken windshield and damage from getting keyed. The most a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage protection

Collision insurance will pay to fix damage to your Focus resulting from colliding 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 claims such as driving through your garage door, damaging your car on a curb, hitting a mailbox and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also raise the deductible to get cheaper collision coverage.

UM/UIM Coverage

This protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Liability car insurance

This will cover damage that occurs to people or other property that is your fault. This insurance protects YOU from claims by other people. 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. As an example, you may have liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for things like repair costs for stationary objects, medical expenses, emergency aid, attorney fees and structural damage. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Never pay more for less

In this article, we presented some good ideas how you can get a better price on 2011 Ford Focus insurance. The most important thing to understand is the more rate quotes you have, the better likelihood of reducing your rate. You may even find the best price on auto insurance is with the smaller companies.

When shopping online for auto insurance, it’s a bad idea to skimp on critical coverages to save a buck or two. In too many instances, consumers will sacrifice physical damage coverage and found out when filing a claim they didn’t have enough coverage. The ultimate goal is to find the BEST coverage at an affordable rate.

Discount insurance can be sourced both online as well as from independent agents, and you should compare price quotes from both to have the best rate selection. Some auto insurance companies don’t offer the ability to get a quote online and these regional insurance providers work with independent agents.

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