View 2002 Ford Focus Insurance Cost

Overwhelmed by the wide range of car insurance sources available to you? You have so many sources available that it can really be hard work to locate the lowest prices.

It is always a good idea to take a look at other company’s rates before your policy renews due to the fact that insurance rates fluctuate regularly. Despite the fact that you may have had the lowest rate on Focus coverage six months ago a different company probably has better prices today. You’ll find quite a bit of inaccurate information about car insurance online, but in this article, you’re going to get some great ways to reduce your car insurance bill.

Buying car insurance is quite easy. In a nutshell, every driver who is required by state law to have insurance stands a good chance to be able to reduce their rates. Although consumers must know the way insurance companies market insurance on the web and apply this information to your search.

Cheapest insurance quotes

Most major insurance companies give coverage price quotes on their websites. Getting online quotes is quite easy as you simply enter the coverages you want on the page. Once entered, their quoting system automatically retrieves reports for credit and driving violations and quotes a price.

Quoting online streamlines rate comparisons, but the process of having to visit each company’s website and repetitively fill out multiple forms is monotonous and tiresome. But it’s very important to have as many quotes as possible if you are searching for a lower rate.

Quote rates the easy way

A more efficient way to find better insurance pricing uses one form that gets prices from more than one company. It saves time, eliminates form submissions, and makes comparison shopping much more enjoyable. After sending your information, your coverage is rated with multiple companies and you can pick your choice of the resulting price quotes. If a lower price is quoted, you can click and sign and buy the policy. The whole process takes less than 15 minutes and could lower your rates considerably.

If you want to find out how much you can save on insurance, click here and submit your coverage information. If you have your current policy handy, we recommend you complete the form with deductibles and limits exactly as shown on your declarations page. Doing this guarantees you are getting a rate comparison for the exact same coverage.

Lower rates by qualifying for discounts

Some insurance providers do not advertise every discount they offer in an easy-to-find place, so the list below contains some of the best known and the harder-to-find discounts you could be receiving when you buy insurance online.

  • Braking Control Discount – Anti-lock brake equipped vehicles have fewer accidents and earn discounts up to 10%.
  • Active Service Discounts – Having an actively deployed family member could mean lower car insurance rates.
  • Discounts for New Vehicles – Buying a new car instead of a used car may earn a small discount compared to insuring an older model.
  • Distant Student – Kids who live away from home at college and won’t have access to an insured vehicle may be insured at a cheaper rate.
  • Data Collection Discounts – Drivers that enable companies to analyze when and where they use their vehicle by using a telematics device in their vehicle such as Progressive’s Snapshot might get better premium rates if they show good driving skills.
  • Drive Less and Save – Keeping the miles down on your Ford may allow you to get lower rates on the low mileage vehicles.
  • Discounts for Government Workers – Employees or retirees of the government could qualify for a slight premium decrease on Focus coverage depending on your car insurance provider.
  • Life Insurance – Larger insurance companies have lower premium rates if you buy a life insurance policy as well.
  • Accident Waiver – Not a discount per se, but some insurance companies will allow you to have one accident without raising rates if you are claim-free before the accident.
  • Multiple Vehicles – Drivers who insure all your vehicles on the same car insurance policy can reduce the rates for all insured vehicles.

A little disclaimer on discounts, many deductions do not apply to your bottom line cost. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like it’s possible to get free car insurance, it’s just not the way it works. Any qualifying discounts will bring down your overall premium however.

A few popular companies and their possible discounts are:

  • GEICO has discounts for daytime running lights, anti-lock brakes, good student, membership and employees, seat belt use, military active duty, and multi-policy.
  • Travelers offers discounts including IntelliDrive, multi-policy, payment discounts, driver training, early quote, hybrid/electric vehicle, and student away at school.
  • Farm Bureau may offer discounts for multi-vehicle, 55 and retired, youthful driver, safe driver, driver training, renewal discount, and multi-policy.
  • Liberty Mutual offers discounts for teen driver discount, newly married, new graduate, exclusive group savings, and new vehicle discount.
  • American Family includes discounts for defensive driver, bundled insurance, multi-vehicle, Steer into Savings, TimeAway discount, and early bird.
  • Progressive policyholders can earn discounts including good student, multi-vehicle, online quote discount, continuous coverage, multi-policy, online signing, and homeowner.

When quoting, ask every insurance company to apply every possible discount. Some of the earlier mentioned discounts may not be available in your area. If you would like to view car insurance companies who offer car insurance discounts, follow this link.

Auto insurance is unique, just like you

When buying proper insurance coverage, there really is no best way to insure your cars. Each situation is unique.

For instance, these questions may help highlight if your situation might need professional guidance.

  • How high should deductibles be on a 2002 Ford Focus?
  • Am I covered if I break a side mirror?
  • Should I get collision insurance on every vehicle?
  • Do I benefit by insuring my home with the same company?
  • Is my 2002 Ford Focus covered for flood damage?
  • Do I need motorclub coverage?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form.

Specifics of your insurance policy

Knowing the specifics of your policy can be of help when determining the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like hospital visits, EMT expenses, funeral costs, dental work and pain medications. They are used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover both the driver and occupants in addition to any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

Auto liability insurance

Liability coverage provides protection from damage or injury you incur to other people or property that is your fault. This coverage protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims like repair bills for other people’s vehicles, medical services and structural damage. How much coverage you buy is a personal decision, but buy as high a limit as you can afford.

Collision protection

Collision coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. 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 colliding with another moving vehicle, scraping a guard rail, hitting a parking meter, hitting a mailbox and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Uninsured or underinsured coverage

This coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Ford Focus.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Comprehensive protection

This pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like falling objects, hitting a bird and vandalism. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.