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Ford Focus Insurance Rates

Shopping for car insurance through online providers is easy and there is a good chance you will probably save money. The key is to compare rates from all providers so you can compare the lowest priced insurance.

Consumers not familiar with shopping for insurance may think buying affordable Focus insurance is hard and time consuming. To find the best car insurance prices, there are several ways to compare quotes from different insurance companies. The best method to find the lowest Focus insurance cost consists of shopping online. This can be accomplished by visiting this page.

Insurance rates paid to insure a Ford Focus will vary greatly based upon several criteria. Some of these factors include:

  • Your driving record
  • Your credit history
  • Your gender can raise or lower rates
  • Higher deductibles save money
  • Safety rating of your Focus
  • Your profession
  • The level of coverage
  • Whether you own your home

One last important factor that will help determine the rate you pay on your Ford is the year of manufacture. Older cars and trucks cost less so the costs to repair will push premiums down. Conversely, newer models may have options such as all-wheel drive, a telematics system, and autonomous braking so those may provide discounts that lower premiums.

To get a better idea how rates are influenced for your specific model year, select the year of your vehicle below.

Liability auto insurance - Liability insurance protects you from damage that occurs to a person or their property by causing an accident. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so purchase as much as you can afford.

Collision coverage - Collision coverage pays for damage to your Ford from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Comprehensive (Other than Collision) - This will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The maximum amount you'll receive from a claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage gives you protection from other drivers when they do not carry enough liability coverage. Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Medical expense insurance - Med pay and PIP coverage provide coverage for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. PIP is not available in all states but can be used in place of medical payments coverage.

How Much are Ford Focus Insurance Rates?