Trying to find the cheapest car insurance rates for your Ford Focus? Are you tired of not being able to afford to buy car insurance? You are no different than the majority of other car owners. Because you have many online and local companies to choose from, it is hard for the average consumer to locate the lowest price insurance company.
Smart consumers take time to do rate comparisons yearly due to the fact that insurance rates change regularly. Even if you think you had the lowest rates for Focus coverage six months ago you can probably find a lower rate today. Starting now, forget all the misinformation about car insurance because I’m going to teach you one of the best ways to find better rates and still maintain coverage.
There are a variety of methods you can shop for 2013 Ford Focus insurance coverage but one way is more efficient than others. You can spend your afternoon talking about coverages with local insurance agents in your area, or you could save time and use online quoting to get prices fast.
Most major companies belong to an insurance system where insurance shoppers only type in their quote data once, and at least one company can give them a price determined by their information. This eliminates the need for quotation requests to every company.
To enter your information into the quoting system, click here to start a free quote.
One minor caviat to comparing rates this way is you can’t choose which carriers to get quotes from. So if you prefer to choose specific insurance companies for rate comparison, we have a page of the cheapest insurance coverage companies in your area. Click here to view list.
Whichever way you use, double check that you are using exactly the same coverage limits and deductibles with every price quote. If you have unequal deductibles or liability limits it will be next to impossible to decipher which rate is best.
Drivers can’t ignore all the ads for car insurance savings by companies like State Farm, Allstate and Geico. They all have a common claim of big savings if you change to them.
How can each company say the same thing? This is how they do it.
Different companies are able to cherry pick for the type of customer that is profitable for them. For example, a driver they prefer could be over the age of 40, a clean driving record, and has a short commute. A customer that hits that “sweet spot” will get very good rates and therefore will save when switching.
Drivers who don’t meet the “perfect” profile will be quoted higher rates and ends up with business not being written. Company advertisements say “customers that switch” but not “drivers who get quotes” save money. That’s the way insurance companies can advertise the savings.
This emphasizes why drivers should quote coverage with many companies. It is impossible to predict which company will give you the biggest savings on Ford Focus insurance.
It’s important that you understand the different types of things that help determine auto insurance rates. Understanding what influences your rates allows you to make educated decisions that will entitle you to big savings.
The following are a few of the “ingredients” companies use to determine prices.
Insuring your fleet can be pricey, but discounts can save money and there are some available that many people don’t even know exist. Certain discounts will be applied when you get a quote, but some may not be applied and must be asked about before you will receive the discount. If you aren’t receiving every discount possible, you are paying more than you should be.
It’s important to note that most of the big mark downs will not be given to the entire cost. Most only cut the cost of specific coverages such as comprehensive or collision. So when it seems like adding up those discounts means a free policy, you won’t be that lucky. Any qualifying discounts will bring down your overall premium however.
Insurance companies that may have these discounts include:
It’s a good idea to ask all companies you are considering what discounts are available to you. All car insurance discounts might not apply in every state.
When it comes to choosing adequate coverage, there really is no best way to insure your cars. Everyone’s situation is unique so your insurance needs to address that. Here are some questions about coverages that may help you determine if you would benefit from an agent’s advice.
If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.
Having a good grasp of your auto insurance policy helps when choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. Listed below are typical coverage types offered by auto insurance companies.
Comprehensive (Other than Collision) – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage pays for things such as rock chips in glass, vandalism, damage from flooding, hitting a bird and theft. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Liability auto insurance – This protects you from damages or injuries you inflict on people or other property in an accident. It protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.
Liability coverage pays for things such as funeral expenses, court costs, attorney fees, structural damage and loss of income. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.
Collision – This coverage will pay to fix damage to your Focus caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision can pay for things like crashing into a ditch, colliding with another moving vehicle, crashing into a building and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to get cheaper collision coverage.
Protection from uninsured/underinsured drivers – This gives you protection from other motorists when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Ford Focus.
Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Frequently these coverages do not exceed the liability coverage limits.
Medical expense insurance – Med pay and PIP coverage pay for expenses such as rehabilitation expenses, funeral costs, chiropractic care, hospital visits and prosthetic devices. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay
Cost effective 2013 Ford Focus insurance is possible from both online companies in addition to many insurance agents, and you should compare price quotes from both so you have a total pricing picture. A few companies do not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.
While you’re price shopping online, it’s not a good idea to skimp on critical coverages to save a buck or two. Too many times, drivers have reduced full coverage only to discover later that it was a big mistake. The proper strategy is to find the BEST coverage at a price you can afford while not skimping on critical coverages.
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