2018 Ford Focus Insurance Quotes

Did you fall for a flashy sales pitch and buy an expensive auto insurance policy? Believe me when I say many consumers feel financially strained by their auto insurance policy. Due to the large number of online and local companies to choose from, it is hard for the average consumer to choose the best insurance company.

Discounts can really help lower rates

Car insurance companies do not list all disounts in a way that’s easy to find, so the following is a list of both well-publicized as well as some of the hidden credits that you can use to lower your rates. If you’re not getting every credit possible, you’re just leaving money on the table.

  • Government Employee Discount – Simply working for the federal government may qualify for a discount when you quote insurance coverage for Focus coverage depending on your company.
  • Save with a New Car – Buying a new car model is cheaper since newer models are generally safer.
  • Clubs and Organizations – Participating in a civic or occupational organization may earn a discount on car insurance.
  • Renewal Discounts – A few larger companies allow discounts for buying a new policy prior to your current policy expiring. You may see this discount when you get insurance coverage quotes online.
  • Online Discount – Certain car insurance companies will provide an incentive get insurance coverage on the internet.
  • Anti-lock Brakes – Cars and trucks equipped with ABS or steering control have fewer accidents and therefore earn up to a 10% discount.
  • Discounts for Multiple Vehicles – Drivers who insure all your vehicles with one company qualifies for this discount.

Discounts reduce rates, but you should keep in mind that most discounts do not apply to the overall cost of the policy. A few only apply to individual premiums such as medical payments or collision. Despite the appearance that you can get free auto insurance, it doesn’t quite work that way.

To see a list of insurance companies who offer free car insurance quotes, follow this link.

How to compare auto insurance price quotes

Finding a lower price on 2018 Ford Focus insurance can be relatively painless. Drivers just need to take a few minutes to compare rate quotes online with multiple companies. Comparing prices online can be done using one of these methods.

  1. Probably the best way to get the best comparison quotes is a comparison rater form (click to open form in new window). This style of form eliminates the need for separate forms for each price estimate. One simple form compares rates from many national carriers.
  2. A different way to find more affordable insurance is spending the time to visit the website for every company you want to comare and fill out their own quote form. For examples sake, let’s assume you want to compare rates from Allstate, Esurance and Geico. To find out each rate you need to visit each site to enter the same coverage data repeatedly, which can be really labor intensive.

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

The approach you take is up to you, just try to use equivalent coverage information on every quote you get. If the quotes have different data it’s not possible to get a fair rate comparison.

Ford Focus insurance rate factors

An important part of buying insurance is that you know some of the things that aid in calculating your car insurance rates. If you have some idea of what influences your rates, this enables informed choices that could help you find lower rates.

The itemized list below are just a few of the factors utilized by car insurance companies to help set your rates.

  • Liability limits are a factor – Your car insurance policy’s liability coverage provides coverage if ever you are determined to be liable for damages from an accident. Liability insurance provides legal defense coverage which can be incredibly expensive. Liability is cheap compared to other policy coverages, so buy as much as you can afford.
  • Driving citations mean higher prices – Having a clean driving record can have a huge impact on auto insurance premiums. Attentive drivers pay lower auto insurance prices than bad drivers. Even one citation can bump up the cost substantially. Drivers with license-revoking citations like reckless driving or DUI may be required to submit a SR-22 or proof of financial responsibility with their state DMV in order to legally drive a vehicle.
  • Employer can influence prices – Occupational choices like fire fighterspolice officers and financial analysts tend to have higher average rates due to intense work-related stress and lots of time spent away from family. On the flip side, jobs like professors, students and retirees have the lowest average rates for Focus coverage.
  • Add-on coverages can add up – Policies have extra coverages that sound like a good idea at the time when buying car insurance. Coverage for things like replacement cost coverage, high-cost glass coverage, and term life insurance are examples of these. They may sound like good ideas initially, but if you have no use for them remove them from your policy.

Will just any policy work for me?

When it comes to choosing proper insurance coverage, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance needs to address that. Here are some questions about coverages that could help you determine whether or not you might need an agent’s assistance.

  • Can I afford to buy a different vehicle if my 2018 Ford Focus is totaled?
  • How do I file an SR-22 for a DUI in my state?
  • Can I afford low physical damage deductibles?
  • What if I total my 2018 Ford Focus and owe more than it’s worth?
  • Do I need special endorsements for business use of my vehicle?
  • How much liability coverage do I need in my state?
  • What companies insure drivers after a DUI or DWI?
  • Does coverage extend to Mexico or Canada?
  • Am I covered if I drive in a foreign country?

If you’re not sure about those questions then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

Specifics of your insurance policy

Understanding the coverages of insurance can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are the normal coverages available from insurance companies.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Ford Focus.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Collision – Collision coverage pays for damage to your Focus resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as colliding with a tree, scraping a guard rail and crashing into a ditch. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Liability insurance – Liability coverage will cover damages or injuries you inflict on other’s property or people. It protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage pays for claims like emergency aid, legal defense fees, structural damage, repair bills for other people’s vehicles and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive (Other than Collision) – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as vandalism, hitting a bird, falling objects and fire damage. The highest amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical expense insurance – Coverage for medical payments and/or PIP pay for bills like pain medications, chiropractic care, prosthetic devices, doctor visits and dental work. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Get your money’s worth

You just learned some good ideas how you can shop for 2018 Ford Focus insurance online. It’s most important to understand that the more times you quote, the better your chances of lowering your rates. Consumers may even find the lowest priced insurance comes from a lesser-known regional company. They may have significantly lower rates on certain market segments than the large multi-state companies such as State Farm or Progressive.

When shopping online for insurance, do not buy poor coverage just to save money. There have been many cases where someone sacrificed full coverage to discover at claim time that they should have had better coverage. The ultimate goal is to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

Cheaper 2018 Ford Focus insurance can be purchased online and from local agencies, so get free insurance coverage quotes from both of them to have the best chance of lowering rates. Some insurance companies may not have the ability to get quotes online and usually these smaller providers only sell through independent agents.

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