View 2013 Ford Focus Insurance Cost

Want cheaper insurance coverage rates for your Ford Focus? I can’t think of anyone who fancies paying their premiums for insurance coverage, especially when they are aware that the price is too high. Companies like State Farm, Geico and Farmers Insurance increase brand awareness with ad campaigns and consumers find it hard to ignore the flashy ads and take the time to shop coverage around.

Consumers need to check insurance coverage prices before your policy renews because prices are rarely the same from one policy term to another. Just because you found the best quotes on Focus coverage a few years ago you may be paying too much now. Forget anything you know (or think you know) about insurance coverage because I’m going to teach you how to use online quotes to remove unneeded coverages and save money.

Five things that determine your insurance premiums

Many different elements are part of the equation when you get your auto insurance bill. Some factors are common sense like a motor vehicle report, but some are more obscure such as your credit history or your vehicle rating.

The itemized list below are just a few of the factors used by your company to calculate your rate level.

  • Insurance coverage lapses lead to higher prices – Driving without insurance coverage in place is not a good idea and insurance coverage companies will penalize you for letting your insurance lapse. Not only will rates go up, getting caught without coverage might get you fines or a revoked license.
  • Infrequent drivers can save – The higher the mileage driven annually the higher the price you pay to insure it. Most insurance companies calculate rates based on how the vehicle is used. Vehicles that do not get driven very much can be on a lower rate level than vehicles that are driven to work every day. An incorrectly rated Focus may be wasting your money. Ask your agent if your policy correctly shows the correct driver usage, because improper ratings can cost you money.
  • Claim-free discounts can add up – Auto insurance companies award better rates to insureds who do not rely on their insurance for small claims. If you file claims often, you can expect either higher rates or even cancellation. Your car insurance is meant to be used in the event of claims that pose a financial burden.
  • With age comes responsibility – Drivers with little experience are statistically shown to be careless and easily distracted in a vehicle and because of this, their insurance coverage rates are much higher. Parents adding a young driver to your insurance coverage policy can break the bank. Older people are proven to be safer behind the wheel, tend to file fewer claims .
  • Male costs may be higher – Over the last 30 years, statistics show women tend to be less risk to insure than men. However, this does not mean women are BETTER drivers than men. Men and women cause at-fault accidents at about the same rate, but men tend to have more serious accidents. They also get more serious tickets like DUI and reckless driving.

Earn discounts on insurance

Buying insurance is not cheap, but companies offer discounts that can help lower your rates. Most are applied at the time you complete a quote, but lesser-known reductions have to be specifically requested before they will apply.

  • No Accidents – Drivers with accident-free driving histories get the best insurance rates when compared to insureds who have frequent claims or accidents.
  • Professional Organizations – Having an affiliation with specific professional or occupational memberships or organizations is a good way to get lower rates on your next insurance statement.
  • Anti-theft Discount – Cars, trucks, and SUVs with anti-theft systems prevent vehicle theft so companies will give you a small discount.
  • Student Discount for Driver Training – Cut your cost by having your teen driver participate in a local driver’s education class if it’s offered in school.
  • Safety Course Discount – Taking time to complete a course teaching driver safety skills may get you a small discount and make you a better driver.
  • Telematics Data – Insureds who allow driving data collection to analyze where and when they drive by using a telematics device in their vehicle like Drivewise from Allstate or In-Drive from State Farm might see lower rates as long as the data is positive.
  • Discount for New Cars – Buying coverage on a new vehicle can get you a discount due to better safety requirements for new vehicles.

We need to note that most of the big mark downs will not be given to all coverage premiums. Most only reduce specific coverage prices like medical payments or collision. Just because it seems like it’s possible to get free car insurance, it just doesn’t work that way.

A partial list of companies that may offer policyholders these money-saving discounts are:

If you need inexpensive insurance quotes, ask each insurance company which credits you are entitled to. Depending on the company, some discounts might not be offered everywhere. To view insurance companies that can offer you the previously mentioned discounts, follow this link.

Truth in car insurance advertising

Consumers get pounded daily by advertisements that promise big savings for switching by Allstate and Progressive. They all seem to tend to make the same promise that you’ll save big just by moving your coverage.

How does every company charge less that you’re paying now? You have to listen carefully.

Companies quote their best rates for the type of customer that is profitable for them. A good example of a desirable risk could be married and over the age of 30, has never had a claim, and drives a vehicle with a low ISO rating. A customer getting a price quote who matches those parameters gets the lowest premium rates and have a good chance to cut their rates substantially.

Drivers who are not a match for these standards will see higher prices which results in the customer not buying. The ads say “people who switch” not “everyone who quotes” save that much. That is how insurance companies can confidently make claims like that.

This really illustrates why you need to get a wide range of price quotes. You cannot predict the company that will have the lowest rate quotes.

Tailor your car insurance coverage to you

When it comes to buying adequate coverage, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance should reflect that For instance, these questions may help you determine if your insurance needs would benefit from an agent’s advice.

  • Can I get a multi-policy discount?
  • Are rental cars covered under my policy?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Am I covered if I wreck a rental car?
  • Am I covered when driving a rental car?
  • Can my teen driver be rated on a liability-only vehicle?
  • Do I need motorclub coverage?
  • Is there coverage for injuries to my pets?
  • Does my policy cover my teen driver if they drive my company car?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

The coverage is in the details

Knowing the specifics of insurance aids in choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be difficult to understand and coverage can change by endorsement. Below you’ll find the normal coverages found on the average insurance policy.

Uninsured or underinsured coverage

This protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred 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. For this reason, having high UM/UIM coverages is very important. Most of the time these coverages do not exceed the liability coverage limits.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like hospital visits, dental work, rehabilitation expenses, EMT expenses and nursing services. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not universally available and may carry a deductible

Comprehensive protection

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as rock chips in glass, a broken windshield and hail damage. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto liability

This coverage can cover damage or injury you incur to other people or property. This insurance protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for things such as legal defense fees, bail bonds, medical services and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as large an amount as possible.

Coverage for collisions

Collision insurance will pay to fix damage to your Focus caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like rolling your car, crashing into a ditch, hitting a parking meter and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to increase the deductible in order to get cheaper collision rates.

At the end of the day…

There are still a few companies who may not provide the ability to get a quote online and these regional carriers only sell coverage through local independent agents. Discount 2013 Ford Focus insurance can be found both online and also from your neighborhood agents, so you should compare both to have the best chance of lowering rates.

In this article, we presented some good ideas how to get a better price on 2013 Ford Focus insurance. The most important thing to understand is the more times you quote, the better likelihood of getting the cheapest insurance. Consumers could even find that the lowest priced auto insurance comes from the least-expected company. Smaller companies often have lower car insurance rates on specific markets as compared to the big name companies such as Geico and State Farm.

When getting insurance quotes online, never sacrifice coverage to reduce premiums. In many instances, consumers will sacrifice collision coverage and found out when filing a claim that it was a big error on their part. Your goal is to buy a smart amount of coverage at the best cost while not skimping on critical coverages.

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