2016 Ford Focus Insurance Cost

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.

You may qualify for discounts

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.

  • Smart Student Discounts – This discount can be rewarded with saving of up to 25%. Many companies even apply the discount to college students well after school through age 25.
  • Membership in Organizations – Being a member of a professional or civic organization could trigger savings on your next renewal.
  • Policy Bundle Discount – If you can bundle your auto and homeowners insurance with the same company you may earn as much as 10 to 15 percent.
  • Discount for Passive Restraints – Factory air bags or automatic seat belts can receive discounts of up to 25% or more.
  • ABS and Traction Control Discounts – Cars and trucks with ABS and/or traction control are much safer to drive and earn discounts up to 10%.
  • Theft Prevention System – Vehicles that have factory alarm systems and tracking devices have a lower chance of being stolen and therefore earn up to a 10% discount.
  • Accident Free – Claim-free drivers can earn big discounts when compared with drivers with a long claim history.
  • Distant College Student Discount – Older children who attend college more than 100 miles from home and don’t have a car can be insured at a reduced rate.
  • Student Driver Training – Have your child enroll and complete driver’s education in high school.

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.

Low cost car insurance prices

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.

  • One of the best ways consumers can make multiple comparisons is an all-inclusive rate comparison click to view form in new window. This form eliminates the need for separate quotes for every car insurance company. A single form gets prices estimates from multiple companies. This is by far the quickest method.
  • A slightly less efficient method to get quotes online requires a visit to each company’s website to complete their respective quote request forms. For sake of this example, let’s say you want to see prices from USAA, Allstate and Progressive. To get rate quotes you would need to navigate to each company’s site and repeatedly enter your information, and that explains why we recommend the first method.

    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.

Four things that impact your insurance rates

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.

  • Don’t skimp on liability coverage – Liability coverage will provide protection when you are responsible for physical damage or personal injury to other. Liability provides you with a defense in court which can be incredibly expensive. Liability is cheap when compared to the cost of physical damage coverage, so buy as much as you can afford.
  • Your job and insurance rates – Do you work in a high-stress field? Careers like lawyers, executives and dentists usually pay higher rates than average in part from intense work situations and lots of time spent at work. On the flip side, occupations like actors, athletes and homemakers receive lower rates for Focus insurance.
  • Bundle policies to earn discounts – Most major insurers give better rates to people who carry more than one policy in the form of a multi-policy discount. Discounts can amount to five, ten or even twenty percent. If you currently are using one company, you still need to compare other insurance prices to confirm you are receiving the best rates possible. It’s possible to still save money by buying insurance from more than one company.
  • Lower rates by increasing comp and collision deductibles – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your Ford. Some coverage claims would be a broken windshield, vandalism, and burglary. Deductibles for physical damage define how much you are required to pay if the claim is covered. The more you are required to pay out-of-pocket, the better rate you will receive for Focus insurance.

There’s no such thing as the perfect insurance coverage policy

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.

  • What are the best liability limits?
  • What is high-risk coverage and where do I buy it?
  • Is business property covered if stolen from my car?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • What are the financial responsibility laws in my state?
  • Am I covered when driving someone else’s vehicle?

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.

The largest companies are not always cheapest

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.

Insurance specifics

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.

Compare but don’t skimp

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: