Trying to find cheaper insurance for a new or used Ford Focus could be an all-consuming task, but you can follow our auto insurance buying tips to find lower rates. There is a right way and a wrong way to buy auto insurance and you need to know the absolute fastest way to quote coverages for your Ford and locate the lowest possible price.
It’s smart to shop coverage around yearly since prices fluctuate regularly. If you had the lowest price for Focus insurance at your last renewal you can probably find a lower rate today. Forget all the misinformation about auto insurance because we’re going to demonstrate the fastest way to save money, get proper deductibles and limits, all at the lowest rate.
If you are insured now or are just looking to switch companies, you can use this information to get lower rates and possibly find even better coverage. Buying affordable auto insurance coverage is easy if you know what you’re doing. Vehicle owners just need to understand the proper way to shop their coverage around online.
Insuring your fleet can be pricey, but you may find discounts that can dramatically reduce your bill. Certain discounts will be triggered automatically at the time you complete a quote, but some discounts are required to be inquired about before you get the savings.
As a sidenote, most of the big mark downs will not be given to your bottom line cost. Some only apply to the price of certain insurance coverages like comprehensive or collision. So even though it sounds like having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.
Companies who might offer some of the discounts shown above include:
Double check with all the companies which discounts you qualify for. All car insurance discounts may not be available in your area.
Getting a low cost price on 2016 Ford Focus insurance can be quick and easy. All you need to do is spend a little time comparing free insurance quotes online from several insurance companies. This is very easy and can be done by using one of the methods below.
To view a list of companies in your area, click here.
How you compare quotes is your choice, just make sure you use exactly the same quote data for each comparison quote. If each company quotes differing limits it’s impossible to find the best deal for your Ford Focus.
Many things are part of the equation when you get a price on insurance. Some are pretty understandable like a motor vehicle report, but some are less apparent such as your credit history or your vehicle rating.A large part of saving on insurance is knowing the different types of things that help calculate your insurance rates. When you know what positively or negatively determines premiums, this allows you to make good choices that could result in much lower annual insurance costs.
The items below are some of the major factors utilized by car insurance companies to help set your prices.
When it comes to buying adequate coverage for your vehicles, there really is not a “perfect” insurance plan. Everyone’s needs are different.
These are some specific questions can help discover if you will benefit from professional help.
If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and can provide invaluable advice.
Consumers can’t get away from all the ads that promise big savings by State Farm and Allstate. They all advertise the message of big savings if you change your coverage to them.
That’s great but how can every company claim to save you money? It’s all in the wording.
Insurance providers quote their cheapest rates for the type of driver that earns them the highest profit. A good example of this type of driver could be over the age of 50, owns a home, and has excellent credit. A propective insured who fits those characteristics will get a cheap rate quote as well as save some money.
Drivers who may not quite match those standards will probably be forced to pay higher prices which usually ends up with the customer buying from a different company. The ad wording is “customers who switch” not “everybody who quotes” will save that much if they switch. That’s the way companies can truthfully advertise the way they do. That is why drivers must get insurance quotes from several different companies. You cannot predict which company will have the best premium rates at this point in time.
Knowing the specifics of insurance can be of help when determining the best coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.
Collision – This covers damage to your Focus caused by collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for things such as backing into a parked car, driving through your garage door and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. You can also increase the deductible to get cheaper collision coverage.
Comprehensive protection – This coverage pays for damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive coverage pays for claims like damage from getting keyed, fire damage, rock chips in glass and vandalism. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.
Auto liability – This coverage protects you from damage that occurs to other people or property in an accident. It protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.
Liability coverage protects against claims such as court costs, legal defense fees, structural damage, pain and suffering and medical expenses. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.
Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like rehabilitation expenses, surgery, hospital visits, X-ray expenses and dental work. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover both the driver and occupants as well as being hit by a car walking across the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage
Uninsured or underinsured coverage – This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Ford Focus.
Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.
Insureds switch companies for a number of reasons such as policy non-renewal, questionable increases in premium, poor customer service or denial of a claim. Whatever your reason, switching companies can be easy and end up saving you some money.
We just covered a lot of tips how to save on 2016 Ford Focus insurance. The key concept to understand is the more rate quotes you have, the better chance you’ll have of finding affordable insurance. You may even find the lowest rates come from a company that doesn’t do a lot of advertising.
More affordable insurance can be sourced on the web and with local insurance agents, and you need to comparison shop both to have the best selection. There are still a few companies who do not offer rates over the internet and many times these smaller companies work with local independent agents.
More detailed insurance information can be read at these sites: