2017 Ford Focus Insurance Quotes – 6 Savings Tips

Trying to find better insurance rates for your Ford Focus? Searching for better insurance prices for your Ford Focus can turn out to be an all-consuming task, but you can use our insurance buying tips and make it easy. There is a better way to find insurance online so we’re going to tell you the best way to get price quotes for your Ford and find the lowest price from local insurance agents and online providers.

Smart consumers take time to do price comparisons periodically because prices change quite often. Even if you think you had the lowest price on Focus coverage last year a different company probably has better rate quotes today. You’ll find a ton of advice on insurance on the internet, but in just a couple of minutes you can learn a bunch of ideas how to save money.

First Step: Get free auto insurance quotes

Finding a lower price on 2017 Ford Focus insurance isn’t really that difficult. Consumers just need to spend a few minutes comparing free car insurance quotes from different insurance companies. Rate comparisons can be done by following the guidelines below.

  1. Experts agree that the best way to compare a lot of rates at once is an all-inclusive rate comparison like this one (opens in new window). This method eliminates the need for multiple quote forms for every company. Completing one form gets prices estimates from all major companies.It’s the quickest way to get rates.
  2. A more difficult way to compare rate quotes requires a visit to each company website and complete a new quote form. For sake of this example, we’ll assume you are doing a rate comparison from Auto-Owners, Allstate and Farmers. To find out each rate you need to go to each individual site and repeatedly type in your coverage information, and that’s why the first method is more popular.

    For a list of links to insurance companies in your area, click here.

Whichever way you use, be certain you are entering the same quote information for each comparison quote. If you have different data you can’t possibly make an equal comparison.

Cheaper insurance rates with discounts

Some insurance providers don’t list every possible discount very well, so the following list contains some of the more common as well as some of the hidden credits that you can use to lower your rates.

  • Discounts for Federal Employees – Active or retired federal employment can save as much as 8% on Focus coverage with some insurance companies.
  • Homeowners Discount – Being a homeowner can help you save on insurance because it is proof that your finances are in order.
  • Clubs and Organizations – Being in certain professional organizations could trigger savings when shopping for insurance.
  • Discounts for Responsible Drivers – Drivers without accidents can pay as much as 50% less on Focus coverage as compared to drivers with claims.
  • ABS Brakes – Vehicles that have steering control and anti-lock brakes are much safer to drive and qualify for as much as a 10% discount.
  • Switch and Save Discount – A few insurance companies allow discounts for signing up before your current expiration date. This discount can save up to 10%.

A little disclaimer on discounts, most of the big mark downs will not be given to the entire cost. Most only apply to individual premiums such as liability and collision coverage. Even though the math looks like it’s possible to get free car insurance, you’re out of luck. Any qualifying discounts should help reduce the amount you have to pay.

If you would like to see a list of insurers that offer the discounts shown above, click here.

Tailor your insurance coverage coverage to you

When it comes to choosing the best insurance coverage coverage, there isn’t really a “perfect” insurance plan. Everyone’s needs are different.

For instance, these questions may help you determine if your insurance needs would benefit from professional advice.

  • Can I afford to pay high deductible claims out of pocket?
  • What is the minimum liability in my state?
  • Do I need more liability coverage?
  • How can I force my company to pay a claim?
  • Is there coverage for injuries to my pets?
  • What is the difference between comprehensive and collision coverage?
  • Does insurance cover tools stolen from my truck?
  • Why is insurance for a teen driver so high?
  • Am I covered if I break a side mirror?
  • If I drive on a suspended license am I covered?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and may give you better protection.

What insurance coverages do you need?

Learning about specific coverages of your insurance policy helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Medical expense insurance

Med pay and PIP coverage pay for expenses like X-ray expenses, prosthetic devices, hospital visits, ambulance fees and doctor visits. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Coverage for liability

This provides protection from injuries or damage you cause to other people or property that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage pays for things like emergency aid, loss of income, repair costs for stationary objects, medical expenses and pain and suffering. How much liability should you purchase? That is up to you, but buy higher limits if possible.

Collision protection

Collision insurance pays for damage to your Focus resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as driving through your garage door, colliding with another moving vehicle, sustaining damage from a pot hole and crashing into a building. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision)

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

Comprehensive coverage protects against claims such as vandalism, damage from a tornado or hurricane 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 the vehicle is not worth much consider dropping full coverage.

Protection from uninsured/underinsured drivers

This provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2017 Ford Focus.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.