Cheaper 2005 Ford Focus Insurance Cost

Looking for cheaper insurance rates for your Ford Focus? Comparing car insurance quotes online can be challenging if you haven’t ever used online price comparisons. But keep reading because online price shopping is actually quite simple.

If you currently have car insurance, you should be able to lower your premiums substantially using these tips. The purpose of this article is to help you learn how car insurance quotes work and some tricks to saving. But consumers can benefit from knowing how insurance companies sell online and use this information to your advantage.

Compare car insurance quotes online

When shopping for the cheapest car insurance quotes, there are a couple of ways to compare rate quotes from companies that offer car insurance in your state. By far the easiest way to find the lowest Ford Focus rates consists of obtaining rate quotes online. This can be accomplished using a couple different methods.

  1. One of the fastest ways consumers can analyze rates would be an industry-wide quote request form like this one (opens in new window). This type of form eliminates the need for separate quotation requests for every car insurance company. One form will get you rate comparisons instantly. This is by far the quickest method.
  2. A more time consuming way to shop for car insurance online is to take the time to go to each company website and repeat the quote process again and again. For sake of this example, we’ll pretend you want to get rates from State Farm, Farmers and Geico. To get each rate you have to visit each site to input your insurance information, which is why the first method is more popular.

    To view a list of companies in your area, click here.

Whichever method you choose, make sure you compare the exact same deductibles and coverage limits on every quote you get. If you use different liability limits then you won’t be able to determine which rate is truly the best. Slightly different insurance coverages could throw off the whole comparison. And when price shopping your coverage, comparing more rates from different companies helps increase your odds of locating the best price. Not every company provides price estimates online, so it’s important to compare quotes from those companies as well.

Well known brands might not be cheapest

Companies like State Farm, Geico and Progressive endlessly run ads in print and on television. All the ads say the same thing about saving some big amount just by switching your policy. But how can every company charge lower premium rates? It’s all in the numbers.

Insurance companies quote the lowest rates for the type of insured that is profitable for them. An example of a profitable customer might be described as a married male, has a low-risk occupation, and drives less than 10,000 miles a year. A driver that matches those criteria will get the preferred premium rates as well as save some money.

Drivers who don’t meet the ideal profile may be required to pay more expensive rates which leads to business going elsewhere. The ads state “people that switch” not “everyone that quotes” save that much. That’s the way companies can truthfully advertise the savings. This really drives home the point why you really should compare rate quotes every year. It’s not possible to predict which company will provide you with the cheapest prices.

Discounts for cheap insurance rates

The cost of insuring your cars can be expensive, but companies offer discounts that can help lower your rates. Certain discounts will be applied at quote time, but less common discounts must be inquired about in order for you to get them.

  • Low Mileage – Maintaining low annual mileage could earn discounted insurancerates on garaged vehicles.
  • Multiple Vehicles – Buying a policy with all your vehicles with the same company could earn a price break for each car.
  • Driver Education Discount – Make teen driver coverage more affordable by requiring them to sucessfully take a drivers education course if offered at their school.
  • Multiple Policy Discount – If you can combine your home and auto policy and insure them with the same company you could get a discount of nearly 15% which can help you find cheaper car insurance.
  • Federal Employees – Simply working for the federal government can earn a discount up to 10% on Focus insurance but check with your company.
  • Discounts for Good Drivers – Insureds who avoid accidents can pay as much as 50% less on Focus insurance compared to rates paid by drivers with frequent claims.
  • Senior Discount – Seniors are able to get reduced rates on Focus insurance.
  • Multi-line Discount – Select insurance carriers reward you with a lower insurance rate if you buy life insurance.
  • ABS Braking Discount – Vehicles that have steering control and anti-lock brakes can reduce accidents and qualify for as much as a 10% discount.

Drivers should understand that most discounts do not apply to all coverage premiums. Most only apply to specific coverage prices like comp or med pay. Despite the fact that it seems like having all the discounts means you get insurance for free, you’re out of luck.

Some of the insurance companies that may offer these discounts include:

Before buying, ask every company which discounts can lower your rates. All car insurance discounts might not be offered in every state. For a list of insurance companies that offer some of these discounts, click here to view.

Tailor your car insurance coverage to you

When it comes to choosing the best car insurance coverage, there really is not a single plan that fits everyone. Every situation is different.

Here are some questions about coverages that may help you determine whether your personal situation could use an agent’s help.

  • Should I put collision coverage on all my vehicles?
  • How can I force my company to pay a claim?
  • Can I afford to buy a different vehicle if my 2005 Ford Focus is totaled?
  • What happens if I owe more than my 2005 Ford Focus is worth?
  • How can I get my company to pay me more for my totalled car?
  • What is roadside assistance coverage?
  • Am I getting all the discounts available?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form.

Insurance policy coverages for a Ford Focus

Learning about specific coverages of insurance aids in choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive protection

This coverage pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like falling objects, a broken windshield and fire damage. The most a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Ford Focus.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Auto collision coverage

Collision insurance covers damage to your Focus caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as sustaining damage from a pot hole, crashing into a building, hitting a parking meter, colliding with a tree and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Medical expense coverage

Medical payments and Personal Injury Protection insurance kick in for bills for things like doctor visits, surgery, chiropractic care and EMT expenses. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Liability insurance

This can cover damages or injuries you inflict on people or other property. This coverage protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability can pay for things such as attorney fees, legal defense fees and structural damage. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

More choices the merrier

Budget-conscious 2005 Ford Focus insurance is definitely available online and with local insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance companies may not provide rate quotes online and many times these small, regional companies only sell coverage through independent insurance agents.

When you buy car insurance online, you should never skimp on critical coverages to save a buck or two. In many cases, consumers will sacrifice collision coverage to discover at claim time that the few dollars in savings costed them thousands. Your aim should be to find the BEST coverage for the lowest price but still have enough coverage for asset protection.

Consumers change insurance companies for many reasons like not issuing a premium refund, being labeled a high risk driver, questionable increases in premium and even policy non-renewal. Regardless of your reason for switching companies, switching insurance coverage companies is less work than it seems.

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