2014 Ford Focus Car Insurance Cost

Trying to find cheaper insurance rates for your Ford Focus? Nobody enjoys paying for insurance, especially when they are aware that they could find better prices if they shop around.

Lots of car insurance companies contend for your insurance dollar, so it can be very hard to choose a insurer to discover the definitive best rate

It’s a good habit to price shop coverage before your next renewal because insurance prices change regularly. Just because you found the best price for Focus coverage at your last renewal there is a good chance you can find better rates now. Block out anything you think you know about insurance because you’re about to learn the proper way to properly buy coverages while reducing your premium.

The method we recommend to compare insurance rates from multiple companies takes advantage of the fact auto insurance companies will pay a fee to give rate comparisons. All consumers are required to do is give them some information such as driver ages, if your license is active, how much school you completed, and distance driven. Your insurance information is then sent to multiple insurance providers and you will get price comparisons quickly.

But they said I’d save $487 a year!

Respected companies like State Farm, Allstate and Geico endlessly run television, radio, and online ads. They all make the same claim about savings if you switch to them. That’s great but how can every company make the same claim? Just pay attention to how they say it.

Companies quote their best rates for the type of customer that will not have excessive claims. A good example of a desirable risk could possibly be a married male, has no tickets, and drives a vehicle with a low ISO rating. Anyone who meets those qualifications will get very good prices and therefore will save if they switch.

Consumers who may not quite match these standards will be quoted a more expensive rate which results in business going elsewhere. The ad wording is “people who switch” but not “all drivers who get quotes” save the amount stated. That’s the way insurance companies can confidently make the claims of big savings.

Because of the profiling, you absolutely need to compare price quotes frequently. Because you never know which insurance companies will give you lower prices than your current company.

Car insurance policy discounts

Car insurance can be pricey, but there may be some discounts to cut the cost considerably. Most are applied when you complete an application, but some need to be asked about before they will apply.

  • Service Members Pay Less – Having an actively deployed family member may lower your rates slightly.
  • Federal Government Employee – Federal government employees can earn a discount up to 10% for Focus coverage but check with your company.
  • E-sign – Some of the larger companies will discount your bill up to fifty bucks for buying your policy on your computer.
  • Low Mileage Discounts – Fewer annual miles on your Ford can qualify you for lower prices on the low mileage vehicles.
  • Accident Forgiveness Coverage – but a few companies such as Libery Mutual, Geico and Allstate may permit one accident before your rates go up if you are claim-free for a certain period of time.
  • No Claims – Insureds with no claims or accidents pay less when compared to insureds who have frequent claims or accidents.

We need to note that some credits don’t apply to all coverage premiums. Some only apply to the cost of specific coverages such as comprehensive or collision. Even though it appears you could get a free car insurance policy, insurance companies wouldn’t stay in business.

For a list of insurance companies that have a full spectrum of discounts, click this link.

How do I know if I need professional advice?

When it comes to choosing the best insurance coverage, there really is no “best” method to buy coverage. Each situation is unique so this has to be addressed. Here are some questions about coverages that may help you determine whether you will benefit from professional help.

  • Does my insurance cover a custom paint job?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is my Ford Focus covered if I use it for business?
  • What discounts do I qualify for?
  • Do I need to file an SR-22 for a DUI in my state?
  • Is my state a no-fault state?
  • Am I covered if I crash into my own garage door?

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Car insurance coverage information

Understanding the coverages of car insurance can help you determine appropriate coverage and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement. These are the normal coverages available from car insurance companies.

Collision coverages – Collision insurance will pay to fix damage to your Focus resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims like colliding with a tree, driving through your garage door and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also increase the deductible to save money on collision insurance.

Liability coverage – Liability coverage can cover injuries or damage you cause to a person or their property. It protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Another option is a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things such as medical services, loss of income, attorney fees, court costs and legal defense fees. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford.

Medical expense coverage – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for surgery, hospital visits, EMT expenses, prosthetic devices and doctor visits. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive protection – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as damage from flooding, a tree branch falling on your vehicle, hitting a bird and hitting a deer. The most you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured or underinsured coverage – This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and also any damage incurred to your Ford Focus.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Most of the time these coverages are set the same as your liablity limits.

Make a quick buck

More affordable insurance is possible online in addition to local insurance agencies, and you need to comparison shop both so you have a total pricing picture. Some insurance companies may not provide rates over the internet and these smaller providers work with local independent agents.

As you shop your coverage around, never buy poor coverage just to save money. There have been many cases where an insured dropped physical damage coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy the best coverage you can find at a price you can afford, but do not sacrifice coverage to save money.

You just read a lot of techniques to get a better price on 2014 Ford Focus insurance. It’s most important to understand that the more times you quote, the better chance you’ll have of finding low cost car insurance. Drivers may discover the biggest savings come from an unexpected company. Some small companies may often insure only within specific states and give getter rates than their larger competitors like State Farm or Progressive.

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