Looking for cheaper insurance rates for your Ford Focus? If shopping for insurance quotes online is new to you, it’s easy to be baffled thanks to the vast number of local and online companies all claiming to save you money.
Consumers should take time to do price comparisons before your policy renews due to the fact that insurance prices are rarely the same from one policy term to another. Just because you found the best rates on Focus coverage at your last renewal other companies may now be cheaper. Forget all the misinformation about insurance because I’m going to let you in on the secrets to the fastest and easiest way to get good coverage at a lower rate.
Car insurance is not an enjoyable expense, but you might be missing out on some discounts that can help lower your rates. A few discounts will be applied at the time of quoting, but less common discounts must be specially asked for before they will apply.
Consumers should know that some of the credits will not apply to the entire cost. Most cut the price of certain insurance coverages like comp or med pay. So even though it sounds like you could get a free car insurance policy, you won’t be that lucky.
A list of companies and a summarized list of policyholder discounts can be read below.
If you are trying to find cheap insurance quotes, ask each company which credits you are entitled to. Some discounts may not be available in your area. To view insurers that offer some of these discounts, click this link.
When comparison shopping, there are several ways to compare prices from many available auto insurance companies in your state. The fastest way to find affordable 2001 Ford Focus insurance rates consists of shopping online. This is very easy and can be done in several different ways.
Whichever method you choose, be sure to compare nearly identical coverages and limits for each price quote. If you enter different deductibles you will not be able to make a fair rate comparison. Slightly different insurance coverages could throw off the whole comparison. And when quoting auto insurance, remember that getting more free quotes will improve the odds of getting the best price. Some regional insurers cannot provide price estimates online, so it’s recommended that you also compare quotes from the smaller companies as well.
Lots of factors are part of the equation when you quote your car insurance policy. Some of the criteria are obvious such as your driving record, but others are less obvious such as your marital status or how safe your car is.
Shown below are a few of the things utilized by car insurance companies to help set your rates.
When it comes to buying the best auto insurance coverage for your vehicles, there is no best way to insure your cars. Everyone’s situation is unique.
These are some specific questions could help you determine if your situation may require specific advice.
If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form.
Big name companies like Allstate and Progressive continually stream television and radio advertisements. They all seem to seem to make the promise of big savings just by moving your policy. How does every insurance company charge less that you’re paying now? You have to listen carefully.
All the different companies have strict underwriting profiles for a prospective insured that will add to their bottom line. One example of a desirable risk could possibly be between the ages of 30 and 50, has no driving citations, and has a high credit rating. A driver who meets those qualifications will most likely get cheap rates and will probably save when switching.
Potential insureds who cannot meet the “perfect” profile will get a more expensive rate and the customer not purchasing. The trick is to say “customers that switch” not “everyone who quotes” save that much. This is how companies can make claims like that.
This really illustrates why you really need to get insurance quotes from several different companies. Because you never know the company that will give you the biggest savings.
Learning about specific coverages of a insurance policy can help you determine the right coverages for your vehicles. Insurance terms can be ambiguous and coverage can change by endorsement.
Collision coverage – Collision coverage pays for damage to your Focus from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against claims such as backing into a parked car, rolling your car, crashing into a ditch and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also raise the deductible to bring the cost down.
Comprehensive (Other than Collision) – This will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims like vandalism, theft, hitting a deer and falling objects. The maximum amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Coverage for liability – This coverage provides protection from damage or injury you incur to other people or property that is your fault. It protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.
Liability insurance covers claims such as pain and suffering, funeral expenses, medical expenses and bail bonds. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford.
Medical expense insurance – Coverage for medical payments and/or PIP kick in for bills for things like nursing services, hospital visits, ambulance fees and chiropractic care. They are often utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage
Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your 2001 Ford Focus.
Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Most of the time these coverages are set the same as your liablity limits.
When trying to cut insurance costs, it’s very important that you do not buy less coverage just to save a little money. In too many instances, someone sacrificed physical damage coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your focus should be to find the BEST coverage at the lowest possible cost, not the least amount of coverage.
We just presented some good ideas how to save on 2001 Ford Focus insurance. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. Drivers may discover the best price on auto insurance is with the least-expected company.
Drivers switch companies for a variety of reasons including high rates after DUI convictions, delays in paying claims, unfair underwriting practices or even poor customer service. It doesn’t matter why you want to switch finding a new company is less work than it seems.
For more information, take a look at the following helpful articles: