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Ford Focus Insurance Rates

Comparing car insurance through online providers saves time, is easy to do and there is a good chance you can save money. The key to finding lower rates is to compare rates from as many companies as possible in order to have every option.

Using the web to shop for car insurance direct can be a challenge if you are a beginner to online rate quotes. Don't let that stop you because it's actually quite easy. There are several ways to compare rate quotes from car insurance companies in your area. The quickest method to compare Focus insurance quotes involves getting comparison quotes online. This can be accomplished by comparing rates here.

Car insurance premiums for your Ford Focus will vary greatly and are calculated by many factors. Some of these factors include:

  • Tickets increase premiums
  • Your credit history
  • Your location impacts rates
  • High miles vs. low miles
  • Male drivers pay higher rates
  • Deductible amount directly impacts your rate
  • Safety rating of your Focus
  • Your occupation
  • The amount of protection requested
  • Whether you own your home

An additional factor that can impact Focus insurance rates is the year of the vehicle. Used vehicles cost less than newer models so the payout to repair may end up costing you less. But new Ford models may have safety features including a backup camera, autonomous braking, active head restraints, and all-wheel drive so those may lower rates.

To get more specific information about how rates are influenced for your specific model year, select the year of your vehicle below.

Liability auto insurance

This provides protection from damage that occurs to other's property or people. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so you should buy as much as you can afford.

Collision coverage

This coverage pays to fix your vehicle from damage resulting from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage. The maximum amount you'll receive from a claim is the cash value of the vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle's occupants when the "other guys" either have no liability insurance or not enough. Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. PIP coverage is not universally available and gives slightly broader coverage than med pay.

How Much are Ford Focus Insurance Rates?