2007 Ford Focus Insurance Cost – 10 Tricks for Cheaper Prices

Searching for lower insurance coverage rates for your Ford Focus? Wish you could get out of an expensive insurance coverage policy? Trust us, many consumers feel financially strained by their insurance coverage policy.

Multiple insurance companies compete to insure your vehicles, and because of this it can be hard to compare car insurance companies to get the lowest price

Insurance Discounts

The cost of insuring your cars can be expensive, but there could be available discounts that you may not even know about. Many of these discounts will be applied automatically at the time of quoting, but a few must be manually applied before you will receive the discount.

  • Discount for New Cars – Buying a new car model can get you a discount due to better safety requirements for newer models.
  • No Accidents – Drivers who don’t have accidents have much lower rates compared to bad drivers.
  • Drivers Education – It’s a good idea to have your young drivers successfully complete driver’s ed class in high school.
  • Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts up to 30%.
  • Good Student Discount – Performing well in school can earn a discount of 20% or more. Many companies even apply the discount to college students until age 25.
  • Defensive Driving Course – Completing a safe driver course could earn you a small percentage discount if you qualify.
  • Low Mileage Discounts – Maintaining low annual mileage can earn discounted premium rates on garaged vehicles.
  • Professional Organizations – Being in certain professional organizations may earn a discount when getting a auto insurance quote.
  • Student in College – Older children who live away from home at college without a vehicle on campus may be able to be covered for less.
  • Mature Driver Discount – Mature drivers are able to get a slight reduction on a auto insurance quote on Focus coverage.

Remember that most of the big mark downs will not be given the the whole policy. A few only apply to the price of certain insurance coverages like comp or med pay. So even though you would think you can get free auto insurance, it doesn’t quite work that way.

A few of the larger companies and a partial list of their discounts include:

  • Geico has discounts for defensive driver, membership and employees, anti-lock brakes, seat belt use, and daytime running lights.
  • MetLife has savings for good driver, accident-free, claim-free, good student, defensive driver, multi-policy
  • Progressive offers discounts for continuous coverage, online signing, homeowner, good student, multi-policy, and multi-vehicle.
  • Travelers may have discounts that include new car, multi-car, hybrid/electric vehicle, IntelliDrive, and student away at school.
  • SAFECO offers premium reductions for safe driver, teen safe driver, drive less, homeowner, accident prevention training, and bundle discounts.
  • AAA discounts include AAA membership discount, multi-car, pay-in-full, multi-policy, good student, education and occupation, and good driver.

Before you buy a policy, ask all companies you are considering what discounts are available to you. Some of the discounts discussed earlier might not apply in your area. If you would like to see a list of providers that have a full spectrum of discounts, click here.

Tailor your insurance coverage coverage to you

When choosing coverage, there is no best way to insure your cars. Each situation is unique so this has to be addressed. Here are some questions about coverages that might point out if you might need professional guidance.

  • What is high-risk coverage and where do I buy it?
  • What is UM/UIM insurance?
  • Does my 2007 Ford Focus need full coverage?
  • Does my personal policy cover me when driving out-of-state?
  • Is there coverage for injuries to my pets?
  • Should I rate my 2007 Ford Focus as pleasure use or commute?
  • What if I owe more than I can insure my car for?
  • What is PIP insurance?
  • Is upholstery damage covered by car insurance?
  • How many claims can I have before being cancelled?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Don’t believe everything you hear

Companies like Progressive, Geico, Allstate and State Farm constantly bombard you with television, radio, and online ads. All the ads make an identical promise that you can save after switching your coverage. How does every car insurance company make the same claim? It’s all in the numbers.

All the different companies have an ideal profile for the type of customer that will most likely be profitable. A good example of a profitable risk profile could be a married female, has no prior claims, and has great credit. Any driver that hits that “sweet spot” will most likely get cheap premium rates and is almost guaranteed to save when switching.

People who cannot meet the ideal profile will see more expensive rates with the end result being business not being written. If you listen to the ad wording, they say “customers that switch” not “all people who quote” can get the lowest rates when switching. That’s why insurance companies can make claims like that. This really emphasizes why you really need to compare many company’s auto insurance rates. Because you never know which insurance companies will give you lower rates than your current company.

What insurance coverages do you need?

Having a good grasp of a insurance policy aids in choosing which coverages you need and proper limits and deductibles. Insurance terms can be confusing and coverage can change by endorsement. Below you’ll find typical coverages available from insurance companies.

Auto collision coverage

This coverage pays for damage to your Focus resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like crashing into a ditch, hitting a mailbox, crashing into a building and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also increase the deductible in order to get cheaper collision rates.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for expenses like nursing services, EMT expenses and chiropractic care. They can be utilized in addition to your health insurance policy or if you do not have health coverage. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive insurance

This covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as hitting a bird, a broken windshield, damage from flooding, rock chips in glass and damage from getting keyed. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Ford Focus.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Liability car insurance

This provides protection from damage that occurs to people or other property by causing an accident. It protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things such as bail bonds, funeral expenses, medical services and emergency aid. How much coverage you buy is a decision to put some thought into, but consider buying as much as you can afford.

Saving money makes a lot of cents

Cost effective 2007 Ford Focus insurance can be found on the web as well as from independent agents, so get free auto insurance quotes from both of them to have the best chance of lowering rates. Some companies may not offer online price quotes and most of the time these regional insurance providers sell through local independent agencies.

When trying to cut insurance costs, it’s a bad idea to reduce coverage to reduce premium. In too many instances, consumers will sacrifice full coverage only to regret that a couple dollars of savings turned into a financial nightmare. Your goal is to buy enough coverage for the lowest price, but do not skimp to save money.

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