Save on 2012 Ford Focus Car Insurance Cost

Trying to find the cheapest insurance rates for your Ford Focus? Are you burned out from scraping nickels together to keep your car insured? You are no different than many other drivers.

Numerous insurers battle to insure your vehicles, so it can be very hard to choose a insurance company to find the lowest cost out there.

It’s a good habit to shop coverage around once or twice a year because insurance prices are constantly changing. Just because you found the lowest price on Focus insurance a couple years back you may be paying too much now. Forget all the misinformation about insurance because we’re going to demonstrate the best way to save money, get proper deductibles and limits, all at the lowest rate.

Drivers can save with these discounts

Car insurance is not cheap, but there may be some discounts that you may not even be aware of. Some trigger automatically when you complete an application, but some must be inquired about before you will receive the discount. If you’re not getting every credit possible, you could be saving more on your insurance coverage.

  • Lower Rates for Military – Being deployed in the military could mean lower prices.
  • Multiple Policy Discount – If you insure your home and vehicles with the same company you could earn a discount of at least 10 to 15 percent or more.
  • Cautious Drivers – Drivers who don’t get into accidents could pay up to 40% less on Focus insurance compared to accident prone drivers.
  • Sign Online – Some insurance coverage companies will give you a small discount for buying your policy on their website.
  • Pay Early and Save – If you pay your bill all at once instead of making monthly payments you may reduce your total bill.
  • Clubs and Organizations – Affiliation with a professional or civic organization could qualify you for a break on your policy.
  • Accident Waiver – but some companies like GEICO and Allstate will let one accident slide without raising rates with the catch being you have to be claim-free for a particular time prior to the accident.
  • Telematics Devices – Drivers that enable data collection to look at where and when they drive by using a telematics device such as State Farm’s In-Drive may get a rate reduction as long as they are good drivers.
  • Braking Control Discount – Vehicles that have anti-lock braking systems are much safer to drive and will save you 10% or more.

Don’t be shocked that most discounts do not apply the the whole policy. Some only reduce specific coverage prices like collision or personal injury protection. So even though it sounds like you would end up receiving a 100% discount, insurance coverage companies aren’t that generous.

A list of insurance coverage companies and the discounts they provide include:

  • Mercury Insurance has discounts for multi-car, professional/association, annual mileage, low natural disaster claims, good student, accident-free, and age of vehicle.
  • Farmers Insurance offers premium reductions for distant student, electronic funds transfer, multi-car, switch companies, good student, and early shopping.
  • Farm Bureau discounts include driver training, renewal discount, youthful driver, safe driver, multi-policy, and good student.
  • State Farm may offer discounts for defensive driving training, multiple policy, multiple autos, Steer Clear safe driver discount, driver’s education, passive restraint, and student away at school.
  • Allstate offers discounts for anti-theft, 55 and retired, anti-lock brakes, senior citizen, and passive restraint.
  • GEICO has savings for multi-policy, membership and employees, emergency military deployment, federal employee, and seat belt use.

When getting free auto insurance quotes, it’s a good idea to every prospective company which discounts you may be entitled to. All car insurance discounts may not apply in your state.

How to buy car insurance online

Most larger insurance companies like State Farm, Allstate and GEICO allow you to get prices online. Getting quotes is pretty easy as you simply type in your coverage information into the form. After the form is submitted, the quote system requests information on your driving record and credit history and quotes a price. Online price quotes simplifies rate comparisons, but the work required to visit many different websites and type in your information can be a bit tiresome and repetitive. Unfortunately, it is important to compare as many rates as possible if you are searching for the lowest car insurance rates.

There is a better way to compare rates

A more efficient way to lower your rates uses just one form to get prices from a bunch of companies at once. It’s a real time-saver, eliminates repetitive work, and makes online price comparison much easier to do. Immediately after you send the form, it gets priced and you can choose your choice of the quote results. If the quotes result in lower rates, you can simply submit the application and purchase coverage. The whole process takes 15 minutes at the most and may save quite a bit of money.

In order to compare rates now, click here to open in a new tab and input your coverage information. If you have a policy now, it’s recommended you replicate coverages and limits identical to your current policy. Doing this assures you will receive a rate comparison based on identical coverages.

Save money with these tips

The best way to find cheaper insurance is to take a look at the different types of things that are used to determine your insurance rates. When you understand what determines premiums, this enables informed choices that could result in much lower annual insurance costs.

Shown below are some of the most rate-impacting factors insurance companies consider when setting your premiums.

  • Vocation stress can make you pay more – Occupations such as lawyersair traffic controllers and emergency personnel generally pay the highest average rates in part from intense work situations and long work days. Conversely, occupations such as professors, athletes and retirees receive lower rates on Focus insurance.
  • Bad drivers pay high rates – How you drive has a huge affect on how much you pay. Only having one driving citation can increase rates forty percent or more. Drivers who don’t get tickets tend to pay less for car insurance compared to drivers with tickets. Drivers with flagrant tickets like DUI, reckless driving or excessive speeding may need to prove financial responsibility with their state’s department of motor vehicles in order to legally drive.
  • How credit rating affects insurance rates – An insured’s credit score is a big factor in determining your rates. Insureds that have excellent credit scores tend to be better risks to insure as compared to drivers with lower ratings. Therefore, if your credit history is low, you could potentially save money when insuring your 2012 Ford Focus by repairing your credit.
  • Bundle policies and save money – Most insurance companies provide a discount to buyers who carry more than one policy in the form of a multi-policy discount. Discounts can amount to ten or even up to twenty percent in some cases. Even with this discount, drivers will still want to get quotes from other companies to make sure you are getting the best deal. Drivers may still save even more even if you insure with multiple companies
  • Liability limits should be high – Your policy’s liability coverage will afford coverage if ever you are responsible for causing personal injury or damage in an accident. Liability provides you with a defense in court which can cost a lot. This coverage is relatively inexpensive when compared to the cost of physical damage coverage, so drivers should buy more than the minimum limits required by law.
  • Alarm systems save money – Buying a car that has an advanced theft prevention system can help bring down rates. Systems that thwart theives like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart auto theft.

Special considerations

When it comes to choosing adequate coverage for your vehicles, there really is no single plan that fits everyone. Every situation is different so your insurance should reflect that These are some specific questions can aid in determining whether or not you will benefit from professional help.

  • Do I need motorclub coverage?
  • Do I need replacement cost coverage?
  • What companies insure drivers after a DUI or DWI?
  • Should I drop comprehensive coverage on older vehicles?
  • How can I get high-risk coverage after a DUI?
  • How much liability do I need to cover my assets?
  • How high should my uninsured/underinsured coverage be in my state?
  • What is medical payments coverage?
  • What if I owe more than I can insure my car for?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies.

Be skeptical of car insurance ads

State Farm, Allstate and GEICO constantly bombard you with ads in print and on television. All the ads make an identical promise that you’ll save big if you get a free auto insurance quote and switch your coverage. That’s great but how can every company make the same claim? This is how they do it.

Insurance companies have specific criteria for the type of customer that will most likely be profitable. For instance, this type of risk profile might be between the ages of 30 and 45, insures multiple vehicles, and drives a vehicle with a low ISO rating. A propective insured that meets those criteria will most likely get cheap prices and most likely will cut their rates if they switch.

Consumers who do not match the “perfect” profile may be required to pay higher premium rates and this can result in the customer buying from someone else. The wording the ads use say “drivers that switch” not “everyone that quotes” save that much. That’s the way insurance companies can confidently make those statements. That is why you really need to get price quotes at each policy renewal. It’s just too difficult to predict which company will have the best rates at this point in time.

Car insurance coverage options for a 2012 Ford Focus

Having a good grasp of a car insurance policy can be of help when determining the right coverages for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. These are typical coverages found on most car insurance policies.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for short-term medical expenses for dental work, X-ray expenses, pain medications, prosthetic devices and ambulance fees. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Liability

Liability insurance protects you from injuries or damage you cause to a person or their property. This insurance protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability insurance covers claims such as court costs, emergency aid, medical services, funeral expenses and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as much as you can afford.

Auto collision coverage

This coverage covers damage to your Focus resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like backing into a parked car, hitting a parking meter, driving through your garage door and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from older vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like hitting a deer, damage from a tornado or hurricane, falling objects and damage from flooding. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Saving money is sweet as honey

Throughout this article, we presented some good ideas how to shop for 2012 Ford Focus insurance online. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may even find the lowest priced auto insurance comes from some of the smallest insurance companies. They can often provide lower rates in certain areas compared to the large companies like GEICO and State Farm.

When you buy auto insurance online, you should never buy lower coverage limits just to save a few bucks. In many instances, someone dropped physical damage coverage only to discover later that their decision to reduce coverage ended up costing them more. Your focus should be to purchase a proper amount of coverage at the lowest possible cost, but do not skimp to save money.

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