2016 Ford Focus Insurance Rates – 7 Tricks for Best Quotes

Want lower car insurance rates? Drivers have a choice when trying to find the lowest priced Ford Focus insurance. You can either spend your time struggling with agents to get rate comparisons or use the internet to make rate comparisons.

There are more efficient ways to find car insurance online and you need to know the best way to compare rates for a new or used Ford and find the lowest possible price from both online companies and local agents.

It’s important to shop coverage around once or twice a year since prices are adjusted regularly by insurance companies. If you had the lowest quotes on Focus insurance last year there is a good chance you can find better rates now. There are a lot of ways to save on car insurance out there, but we’re going to give you some great ways to lower your car insurance rates.

If you have a policy now or are just looking to switch companies, you will benefit by learning to reduce the price you pay and possibly find even better coverage. The purpose of this article is to instruct you on how to effectively get price quotes. Consumers only need an understanding of the tricks to get comparison quotes online.

Finding car insurance

There are a variety of methods you can shop for car insurance but there is one way that is easier and takes less work. You can waste hours driving to insurance agencies in your area, or you could save time and use online quotes to get rate comparisons in just a few minutes.

The majority of car insurance companies belong to an insurance system where prospective buyers send in one quote, and at least one company then returns a price quote for coverage. This eliminates the need for quotation requests to every company.

To access this free quoting program, click here (opens in new window).

The only downside to doing it this way is that you can’t choose which companies to get pricing from. So if you prefer to choose specific providers to receive pricing from, we put together a list of companies who write car insurance in your area. Click here for list of insurance companies.

However you get your quotes, compare identical coverage limits on every quote. If you enter different coverage information it will be impossible to determine which company has the best rates.

Car insurance companies offer lots of discounts

Companies don’t always list the complete list of policy discounts in an easy-to-find place, so we break down some of the best known and the more hidden discounts that you may qualify for.

Driver Safety – Taking part in a course teaching driver safety skills may get you a small discount and also improve your driving technique.
Federal Government Employee – Being employed by or retired from a federal job could qualify for a slight premium decrease on Focus insurance depending on your car insurance provider.
Safety Restraint Discount – Using a seat belt and requiring all passengers to buckle up could save 15% on the premium charged for medical payments and/or PIP.
Multi-Vehicle Discounts – Having multiple vehicles on one policy could earn a price break for each car.
Clubs and Organizations – Participating in a civic or occupational organization can get you a small discount on your bill.
Good Student Discount – Maintaining excellent grades can be rewarded with saving of up to 25%. You can use this discount normally up until you turn 25.
College Student – Children living away from home attending college and won’t have access to an insured vehicle can be insured at a reduced rate.

Keep in mind that some credits don’t apply to the entire policy premium. Some only reduce individual premiums such as collision or personal injury protection. Even though it may seem like you can get free auto insurance, insurance companies wouldn’t stay in business.

To see car insurance companies that can offer you the previously mentioned discounts, click here.

Do I just need basic coverages?

When buying the right insurance coverage for your vehicles, there really is not a best way to insure your cars. Everyone’s situation is unique.

These are some specific questions can aid in determining if your situation may require specific advice.

Are split liability limits better than a combined single limit?
Are all vehicle passengers covered by medical payments coverage?
What is the rate difference between pleasure use and commuting?
Does my personal policy cover me when driving out-of-state?
Does my liability insurance cover pulling a trailer or camper?
Can I make deliveries for my home business?
How much liability do I need to cover my assets?
Is my cargo covered for damage or theft?
Can my teen drive my company car?
Does coverage extend to my business vehicle?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and can provide invaluable advice.

Specific coverages for a 2016 Ford Focus

Knowing the specifics of your insurance policy can be of help when determining appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Auto liability

Liability coverage can cover injuries or damage you cause to people or other property by causing an accident. This insurance protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Another option is one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability can pay for claims such as repair costs for stationary objects, legal defense fees, court costs and medical services. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Uninsured and underinsured coverage

This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family and also any damage incurred to your Ford Focus.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Auto collision coverage

Collision coverage will pay to fix damage to your Focus resulting from a collision 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 can pay for things such as scraping a guard rail, sideswiping another vehicle, sustaining damage from a pot hole and crashing into a building. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for expenses for X-ray expenses, pain medications and doctor visits. They are utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Comprehensive coverages

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as hitting a deer, a broken windshield, damage from getting keyed, rock chips in glass and a tree branch falling on your vehicle. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.