2001 Ford Focus Insurance Quotes – 9 Ideas for Cheaper Rates

Looking for lower insurance coverage rates for your Ford Focus? Are you regretting buying an expensive insurance coverage policy? Don’t sweat it because there are lots of people in the same boat.

Vehicle owners have many auto insurance companies to buy insurance from, and although it’s a good thing to have a choice, having more insurers makes it harder to find the lowest rates.

Consumers need to check insurance coverage prices occasionally because prices trend upward over time. Just because you found the best rate for Focus coverage six months ago there may be better deals available now. You can search a lot of insurance coverage out there, but in this article, you’re going to get some of the best techniques to find cheap insurance coverage.

Buy insurance coverage online

When shopping for low cost auto insurance quotes, there are a couple of ways to obtain and compare prices from lots of insurance coverage companies. The easiest way to find cheaper 2001 Ford Focus rates consists of obtaining rate quotes online. This can be done in just a few minutes using one of these methods.

  1. One of the fastest ways to find low rates would be an industry-wide quote request form (click to open form in new window). This type of form prevents you from having to do repetitive form entry for each price estimate. A single, simple form compares rates direct from many companies.
  2. A different way to obtain and compare quotes online consists of going to the website for each individual company and repeat the quote process. For example, let’s assume you want to see prices from Auto-Owners, Progressive and Allstate. To do that, you would have to visit each site and enter your policy data, and that explains why we recommend the first method. To view a list of companies in your area, click here.

It’s up to you how you get prices quotes, just make absolute certain that you use the exact same coverages and limits on every quote. If you have different liability limits it will be impossible to get a fair rate comparison. Having just a slight variation in insurance coverages or limits may result in a large different in cost. Keep in mind that comparing a wide range of rates gives you a better chance of getting better pricing. Some regional insurers cannot provide rate quotes online, so you should also compare quotes from them, too.

Don’t overlook these nine insurance coverage discounts

Companies don’t always publicize every discount they offer in a way that’s easy to find, so we researched both the well known and also the more inconspicuous credits that you can use to lower your rates. If you aren’t receiving every discount available, it’s possible you qualify for a lower rate.

  • 55 and Retired – Drivers over the age of 55 could receive a discount up to 10% for Focus coverage.
  • Defensive Driving Course – Participating in a course teaching defensive driving skills can save you 5% or more and make you a better driver.
  • Passive Restraints – Cars that have air bags and/or automatic seat belt systems may get savings as much as 30%.
  • Discount for Life Insurance – Not all insurance carriers offer life insurance, but some may give you a discount if you purchase some life insurance too.
  • Anti-lock Brakes – Vehicles that have anti-lock braking systems can reduce accidents and earn discounts up to 10%.
  • Student Driver Training – Cut your cost by having your teen driver complete a driver education course in high school.
  • Accident Forgiveness Coverage – This one is not really a discount per se, but certain companies permit an accident before hitting you with a surcharge as long as you don’t have any claims for a particular time prior to the accident.
  • Data Collection Discounts – Drivers that enable driving data submission to track driving habits by using a telematics device such as Progressive’s Snapshot might see lower rates as long as the data is positive.
  • Club Memberships – Being a member of a professional or civic organization is a simple method to lower premiums on insurance coverage.

Please keep in mind that most discount credits are not given to all coverage premiums. Most only reduce specific coverage prices like liability and collision coverage. So when the math indicates you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

A few companies who may offer these money-saving discounts may include but are not limited to:

When getting a coverage quote, ask each company or agent which credits you are entitled to. Some discounts may not be available in your area. For a list of providers who offer free insurance coverage quotes, click here to view.

When to get professional advice

When buying adequate coverage for your personal vehicles, there really is no “best” method to buy coverage. Each situation is unique so this has to be addressed. For example, these questions could help you determine whether you could use an agent’s help.

  • Is pleasure use cheaper than using my 2001 Ford Focus to commute?
  • How can I get high-risk coverage after a DUI?
  • How much can I save by bundling my policies?
  • If my 2001 Ford Focus is totaled, can I afford another vehicle?
  • What are the financial responsibility laws in my state?
  • How much underlying liability do I need for an umbrella policy?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of insurance companies in your area.

Car insurance specifics

Learning about specific coverages of your policy can help you determine which coverages you need for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring. These are typical coverages available from car insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Ford Focus.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Normally these coverages are similar to your liability insurance amounts.

Collision insurance

Collision insurance will pay to fix damage to your Focus from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as hitting a parking meter, colliding with another moving vehicle, crashing into a building, backing into a parked car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses such as surgery, funeral costs, EMT expenses, ambulance fees and pain medications. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as a broken windshield, damage from getting keyed and damage from flooding. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Liability insurance

Liability insurance will cover damage or injury you incur to other people or property by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things like repair bills for other people’s vehicles, loss of income, legal defense fees, attorney fees and pain and suffering. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

More quotes. Lower rates.

We covered many ideas to get a better price on 2001 Ford Focus insurance. It’s most important to understand that the more price quotes you have, the higher the chance of saving money. Consumers may even find the most savings is with an unexpected company. They often have lower premium rates on specific markets as compared to the big name companies such as GEICO and State Farm.

Cheap 2001 Ford Focus insurance is attainable both online in addition to many insurance agents, so you need to quote auto insurance with both to have the best rate selection. Some companies don’t offer rates over the internet and usually these regional insurance providers work with independent agencies.

While you’re price shopping online, it’s not a good idea to skimp on coverage in order to save money. In many instances, someone sacrificed comprehensive coverage or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal should be to find the BEST coverage for the lowest cost, but do not sacrifice coverage to save money.

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