Cheaper 2009 Ford Focus Insurance Cost

Searching for lower auto insurance rates for your Ford Focus? When trying to find cheaper insurance, do you get overwhelmed by the sheer number of auto insurance providers that you can choose from? There are such a vast assortment of providers available that it can really be a difficult mission to locate the lowest auto insurance rates.

You need to get comparison quotes periodically because prices are usually higher with each renewal. Even if you got the best rate for Focus insurance last year you can probably find a better premium rate now. Ignore everything you know about auto insurance because you’re going to get a crash course in the tricks you need to know to find better rates and still maintain coverage.

Buying car insurance is quite easy. If you currently have a car insurance policy, you will be able to reduce your rates substantially using this information. But consumers must know how companies sell insurance online and apply this information to your search.

Auto insurance companies offer many types of discounts

Car insurance companies do not list every discount they offer in a way that’s easy to find, so the following is a list of some of the best known and also the lesser-known ways to save on auto insurance.

  • Low Miles Discount – Fewer annual miles on your Ford may allow you to get lower rates on the low mileage vehicles.
  • Federal Employees – Active or former government employment can save as much as 8% for Focus insurance with some auto insurance companies.
  • Distant Student Discount – College-age children who attend college more than 100 miles from home without a vehicle on campus may qualify for this discount.
  • Waiver for an Accident – This one isn’t a discount, but some companies like Geico, State Farm, and Progressive permit an accident before your rates go up if you are claim-free for a certain period of time.
  • Responsible Driver Discount – Insureds who avoid accidents can save up to 40% or more on their auto insurance quote for Focus insurance than their less cautious counterparts.
  • Online Discount – Some insurance companies give back up to $50 for buying your policy on your computer.
  • Discount for Good Grades – Performing well in school may save you up to 25%. Most companies allow this discount until age 25.
  • Theft Deterent Discount – Vehicles with anti-theft systems can help prevent theft and earn discounts up to 10% off your auto insurance quote.
  • Braking Control Discount – Vehicles that have anti-lock braking systems can reduce accidents so companies give up to a 10% discount.

Remember that some of the credits will not apply to the entire cost. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates all those discounts means the company will pay you, auto insurance companies aren’t that generous.

Car insurance companies that may include these discounts include:

When getting a coverage quote, ask every insurance company which discounts you may be entitled to. Some of the discounts discussed earlier might not be offered in your area. To locate companies that offer multiple discounts, follow this link.

Learn how to lower your insurance rates

Many things are part of the equation when you get a price on insurance. Some factors are common sense like an MVR report, but other factors are not as apparent like your vehicle usage or your vehicle rating.

  • Incidental coverages you don’t use – Insurance companies have many extra bells and whistles that can add up when buying insurance coverage. Add-on coverages like personal injury protection, high-cost glass coverage, and extra life insurance coverage may not be needed and are just wasting money. The coverages may be enticing when buying your policy, but if they’re wasting money think about removing them and cutting costs.
  • Insurance coverage policy lapses increase insurance coverage rates – Allowing your coverage to lapse will be a quick way to drive up your policy premiums. Not only will you pay more, getting caught without coverage could earn you fines and jail time. Then you may be required to submit proof of financial responsibility or a SR-22 with your state DMV.
  • High physical damage deductibles save money – Physical damage protection, aka comp and collision, covers damage that occurs to your Ford. Some coverage claims are a dented fender, damage from fire, and damage from a fallen tree branch. Your deductibles are how much you are willing to pay if a claim is determined to be covered. The larger the amount you pay before a claim is paid (deductible), the less money you will pay for insurance coverage for Focus insurance.
  • Drive lots and pay more – Driving a lot of miles annually the higher the price you pay to insure it. A lot of insurance companies calculate prices based upon how much you drive. Cars and trucks that have low annual miles qualify for better rates than those that get driven frequently. Double check that your insurance coverage policy is rated on the right rating data. A policy that improperly rates your Focus may be costing you higher rates.
  • Do you know you’re credit score? – Your credit score will be a significant factor in determining what you pay for insurance coverage. So if your credit could use some work, you could potentially save money when insuring your 2009 Ford Focus by improving your credit score. Drivers who have high credit scores tend to file fewer claims and have better driving records than drivers who have lower credit scores.
  • Safeguard your assets with liability insurance – Your policy’s liability coverage will protect you if ever you are determined to be liable for an accident. Liability provides for a legal defense to attempt to prove you were not liable. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so drivers should carry high limits.
  • Accidents will cost you – Careful drivers pay lower auto insurance prices compared to drivers with tickets. Even one ticket can bump up the cost by as much as thirty percent. Drivers who have gotten dangerous tickets like DUI, reckless driving or excessive speeding may find they need to submit a SR-22 or proof of financial responsibility with their state DMV in order to continue driving.
  • Don’t abuse policy claims – Companies generally give better rates to drivers who file claims infrequently. If you’re an insured who likes to file claims you can definitely plan on either a policy non-renewal or much higher rates. Your insurance policy is meant to be used in the event of the large, substantial claims.

Do I just need basic coverages?

When choosing the best insurance coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is unique.

Here are some questions about coverages that can aid in determining if your situation would benefit from professional advice.

  • Is rental equipment covered for theft or damage?
  • Do I need more liability coverage?
  • How can I force my company to pay a claim?
  • Is my cargo covered for damage or theft?
  • Do I have newly-aquired coverage?
  • How can I get high-risk coverage after a DUI?
  • Am I covered if I drive in a foreign country?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form.

Insurance policy coverages for a 2009 Ford Focus

Understanding the coverages of your policy can help you determine which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Medical expense coverage

Medical payments and Personal Injury Protection insurance reimburse you for expenses for things like funeral costs, ambulance fees, prosthetic devices, rehabilitation expenses and pain medications. They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. They cover you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

This will pay to fix damage to your Focus resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like crashing into a building, hitting a parking meter, crashing into a ditch and hitting a mailbox. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Auto liability

This will cover injuries or damage you cause to other’s property or people by causing an accident. This coverage protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims such as repair bills for other people’s vehicles, legal defense fees, bail bonds, structural damage and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as much as you can afford.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as damage to your 2009 Ford Focus.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, damage from flooding and a broken windshield. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Save your cold hard cash

Budget-friendly auto insurance is possible on the web and from local insurance agents, and you need to price shop both to have the best chance of lowering rates. Some companies may not have online price quotes and these regional insurance providers work with independent agents.

Throughout this article, we presented many tips how you can compare 2009 Ford Focus insurance rates online. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. You may even discover the lowest rates come from some of the lesser-known companies.

People who switch companies do it for many reasons like delays in responding to claim requests, policy cancellation, poor customer service and questionable increases in premium. Regardless of your reason for switching companies, finding a great new company is pretty simple and you could end up saving a buck or two.

Additional auto insurance information is located on the following sites: