2015 Ford Focus Car Insurance Cost

Want the cheapest insurance coverage rates for your Ford Focus? Sick and tired of being strong-armed to pay your car insurance bill each month? You’re in the same situation as many other drivers.

Multiple insurance companies compete for your business, so it’s not easy to compare every provider and uncover the absolute cheapest price

Consumers should take time to shop coverage around yearly because prices change quite often. Just because you found the lowest price for Focus insurance a couple years back there may be better deals available now. There is a lot of bad information regarding insurance coverage on the web, but we’re going to give you some guaranteed methods to put money back in your pocket.

If you have car insurance now, you should be able to lower your premiums substantially using these tips. Choosing the best insurance company for you is quite easy. Nevertheless, drivers do need to know how insurance companies determine prices.

Ford Focus insurance premiums are calculated by many factors

Consumers need to have an understanding of some of the elements that come into play when calculating your insurance coverage rates. When you know what positively or negatively determines base rates enables informed choices that could result in big savings.

  • Lower deductibles cost more – Your deductibles define the amount you are required to spend before a claim is paid by your company. Coverage for physical damage, termed comprehensive and collision coverage on your policy, insures against damage to your car. A few examples of covered claims are running into the backend of another car, damage caused by hail, and rolling your vehicle. The higher the amount you have to pay, the less your company will charge you for insurance for Focus insurance.
  • Don’t buy coverages you don’t need – There are a ton of extra coverages you can purchase on your insurance coverage policy. Coverages like roadside assistance, better glass coverage and motor club memberships are some examples. They may seem like a good idea initially, but if you don’t need them get rid of them and save.
  • Better crash test results mean better rates – Safer cars tend to have better insurance rates. The safest vehicles have better occupant injury protection and any reduction in injury severity translates into savings for insurance companies and lower rates for you. If the Ford Focus has ratings of a minimum four stars on Safercar.gov it may be receiving lower rates.
  • How’s your driving record? – Your driving citation history has a lot to do with how much you pay for insurance. Just one moving violation can bump up the cost by as much as thirty percent. Drivers who don’t get tickets get better rates than bad drivers. Drivers who have serious citations like DUI or reckless driving may need to file a SR-22 with their state DMV in order to continue driving.
  • Lower rates with optional equipment – Driving a car with an alarm system can help lower your rates. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder car theft.
  • Big city or small town – Residing in less populated areas can be a good thing when it comes to insurance coverage. Urban drivers have to deal with much more traffic and longer commute times. Fewer people means fewer accidents.

Finding Insurance Deals

To find the best insurance prices, there are several ways of comparing rate quotes from insurance companies in your area. One of the best ways to find the lowest 2015 Ford Focus rates is to use the internet to compare rates. This can be accomplished in several different ways.

  • The best way consumers can analyze rates is to use a rate comparison form (click to open form in new window). This form eliminates the need for repetitive form submissions for each company. One simple form gets rate comparisons from several companies.
  • A less efficient way to shop for insurance online requires a visit to each company’s website to complete a price quote. For sake of this example, we’ll assume you want rates from Progressive, State Farm and GEICO. To find out each rate you need to go to every website and enter your policy data, and that’s why the first method is more popular. For a list of links to insurance companies in your area, click here.
  • The hardest way of comparing rate quotes is to spend time driving to local insurance agencies. The internet can eliminate the need for a local agent unless you want the professional advice of a local agent. Drivers can get prices online and get advice from an agent in your area and we’ll talk about that later.

Whichever method you choose, double check that you are using identical deductibles and coverage limits with every price quote. If you use mixed coverages you will not be able to determine the best price for your Ford Focus. Just a small difference in limits may result in a large different in cost. Keep in mind that getting more free quotes gives you a better chance of getting lower pricing.

Can you really save that much by switching?

GEICO, State Farm and Progressive continually stream ads on TV and radio. All the companies have a common claim that you can save after switching to their company. How does each company make almost identical claims?

All companies can use profiling for the driver that makes them money. For instance, a driver they prefer might be profiled as between the ages of 40 and 55, is a homeowner, and has a high credit rating. A customer who matches those parameters gets the lowest rates and most likely will save a lot of money.

Consumers who fall outside this ideal profile must pay a more expensive rate which usually ends up with business going elsewhere. The ad wording is “people who switch” not “people who quote” save that much. That is how insurance companies can confidently claim big savings.

This illustrates why you need to get as many comparisons as possible. It is impossible to predict which insurance companies will fit your personal profile best.

Discounts on 2015 Ford Focus insurance

Insuring your vehicles can cost a lot, but discounts can save money and there are some available that many people don’t even know exist. Larger premium reductions will be automatically applied at quote time, but a few need to be inquired about before being credited.

  • Anti-theft Discount – Vehicles with anti-theft systems help deter theft and will save you 10% or more.
  • Passive Restraint Discount – Cars that have air bags and/or automatic seat belt systems can receive discounts of more than 20%.
  • Fewer Miles Equal More Savings – Low mileage vehicles can earn a substantially lower rate.
  • Homeowners Savings – Owning a house can save you money because maintaining a house demonstrates responsibility.
  • Good Students Pay Less – A discount for being a good student can save 20 to 25%. Earning this discount can benefit you until age 25.
  • Driver Safety – Completing a course teaching defensive driving skills could possibly earn you a 5% discount depending on where you live.
  • Discounts for Safe Drivers – Insureds without accidents may receive a discount up to 45% less for Focus insurance than drivers with accidents.

Consumers should know that most of the big mark downs will not be given to the overall cost of the policy. Most only apply to the price of certain insurance coverages like liability and collision coverage. Just because you may think you would end up receiving a 100% discount, you won’t be that lucky. But any discount will bring down the amount you have to pay.

Car insurance companies that possibly offer these discounts may include but are not limited to:

It’s a good idea to ask all companies you are considering which discounts they offer. All car insurance discounts may not apply everywhere.

Tailor your coverage to you

When it comes to buying adequate coverage, there really is not a cookie cutter policy. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that might help in determining whether your personal situation would benefit from an agent’s advice.

  • Am I covered if I hit a deer?
  • Am I getting all the discounts available?
  • Where can I find DUI or SR-22 insurance?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • What exactly is covered by my policy?
  • Do I have any recourse if my insurance company denies a claim?
  • What is roadside assistance coverage?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area.

Auto insurance coverages

Understanding the coverages of car insurance can help you determine the right coverages and the correct deductibles and limits. Car insurance terms can be impossible to understand and reading a policy is terribly boring. Below you’ll find the normal coverages offered by car insurance companies.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like ambulance fees, surgery, chiropractic care and pain medications. They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. They cover both the driver and occupants and also covers being hit by a car walking across the street. PIP is not universally available and may carry a deductible

Liability coverages

This coverage provides protection from damages or injuries you inflict on other’s property or people by causing an accident. This insurance protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Another option is a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as attorney fees, repair bills for other people’s vehicles and emergency aid. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive protection

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as fire damage, rock chips in glass, a tree branch falling on your vehicle, falling objects and damage from a tornado or hurricane. The highest amount your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Auto collision coverage

Collision coverage will pay to fix damage to your Focus resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as colliding with a tree, scraping a guard rail, rolling your car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Keep this in mind

Lower-priced 2015 Ford Focus insurance is attainable online in addition to many insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some insurance providers do not provide online price quotes and these regional insurance providers work with independent agents.

You just learned some good ideas how you can get a better price on insurance. The most important thing to understand is the more companies you get rates for, the higher the chance of saving money. You may even find the best prices are with a smaller regional carrier. These smaller insurers may only write in your state and offer lower rates than their larger competitors like Allstate, GEICO and Progressive.

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