Save on 2003 Ford Focus Insurance Cost

Want cheaper auto insurance rates for your Ford Focus? Vehicle owners new to comparing insurance coverage prices on the internet are likely to find locating inexpensive insurance is more work than they thought.

It’s a great practice to do rate comparisons before your policy renews because insurance prices are usually higher with each renewal. If you had the best price on Focus insurance at your last renewal you may be paying too much now. There is a lot of wrong information about auto insurance online but in just a couple of minutes you can learn some proven techniques to lower your auto insurance premiums.

If you have car insurance now, you will most likely be able to reduce your rates substantially using this strategy. This information will help educate you on how to get online quotes and some tips to save money. Although vehicle owners need to learn how companies sell insurance online and use this information to your advantage.

The method we recommend to compare car insurance company rates is to understand car insurance companies pay for the opportunity to provide you with a free rate quote. To start a quote, the only thing you need to do is give them some information such as whether you are married, what your job is, if a SR-22 is needed, and the ages of drivers. The data is submitted instantly to many highly-rated insurers and you should receive rate quotes instantly.

To find lower rates now, click here and enter your zip code.

Lower your insurance costs

A large part of saving on car insurance is knowing some of the things that come into play when calculating the price you pay for car insurance. If you know what influences your rates, this allows you to make educated decisions that could result in lower premium levels. Many factors are considered when you quote your car insurance policy. Some are obvious like a motor vehicle report, but others are more obscure such as your credit history or how safe your car is.

  • Your career may increase prices – Jobs like judgesair traffic controllers and dentists generally pay higher rates than the rest of us because of high stress and lots of time spent at work. On the other hand, professions such as scientists, students and retirees have lower than average premiums on Focus insurance.
  • Do you know your deductibles? – Physical damage deductibles state the amount of money you are required to spend out-of-pocket before your car insurance pays a claim. Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Examples of covered claims are collision with another vehicle, animal collisions, or theft of your vehicle. The more damage repair cost you choose to pay out-of-pocket, the bigger discount you will receive on Focus insurance.
  • Stay claim-free and reduce car insurance rates – If you are a frequent claim filer, you can look forward to higher premiums or even policy non-renewal. Car insurance companies provide discounts to policyholders who are not frequent claim filers. Auto insurance is meant to be used in the event of larger claims.
  • Alarm systems save money – Choosing a vehicle that has a built-in theft deterrent system can earn a premium discount. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder your car from being stolen.
  • Extra coverages can cost a lot – Insurance companies have many extra add-on coverages that you can buy when buying car insurance. Coverage for things like rental car reimbursement, better glass coverage, and membership fees could be just wasting money. They may seem good when you first buy your policy, but if they’re wasting money get rid of them and save.
  • Gender is a factor – Over the last 50 years, statistics have shown that females tend to be a little less risky than males. This data doesn’t prove that males are worse at driving than females. They both cause fender benders in similar percentages, but the men cause more damage and cost insurance companies more money. Not only that, but men also get more serious tickets like DUI and reckless driving.

These discounts can cut auto insurance rates

Some providers do not advertise every discount very clearly, so the list below details both the well known and the more hidden discounts that you may qualify for.

  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to sucessfully take a drivers education course if offered at their school.
  • Pay Upfront and Save – If you can afford to pay the entire bill as opposed to paying monthly you can avoid the installment charge.
  • Memberships – Affiliation with a professional or civic organization could earn you a nice discount on your policy.
  • Lower Rates for Military – Being on active deployment in the military could be rewarded with lower prices.
  • Anti-lock Brake Discount – Cars, trucks, and SUVs with ABS braking systems or traction control have fewer accidents and qualify for as much as a 10% discount.
  • Multi-policy Discount – When you combine your home and auto insurance with the same insurance company you may save approximately 10% to 15%.

One last thing about discounts, most credits do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. Despite the fact that it seems like you would end up receiving a 100% discount, you won’t be that lucky. Any qualifying discounts will bring down your policy cost.

To view insurers who offer auto insurance discounts, click here to view.

When do I need an agent’s advice?

When it comes to buying the right insurance coverage, there really is not a cookie cutter policy. Every insured’s situation is different.

For instance, these questions can help discover whether your personal situation might need professional guidance.

  • Should I bundle my homeowners policy with my auto?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Can I drive in Mexico and have coverage?
  • Does my policy cover my teen driver if they drive my company car?
  • Can I afford low physical damage deductibles?
  • How do I file an SR-22 for a DUI in my state?
  • What if I don’t agree with a claim settlement offer?
  • How many claims can I have before being cancelled?
  • Do I need more liability coverage?
  • Should I file a claim if it’s only slightly more than my deductible?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form.

Car insurance coverages for a 2003 Ford Focus

Knowing the specifics of your insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Collision coverage – Collision coverage pays for damage to your Focus from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims like scraping a guard rail, colliding with a tree, hitting a parking meter, crashing into a building and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage kick in for bills like nursing services, dental work, prosthetic devices and rehabilitation expenses. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Comprehensive insurance – Comprehensive insurance 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 claims such as hitting a deer, vandalism, damage from a tornado or hurricane, a broken windshield and a tree branch falling on your vehicle. The maximum amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and damage to your Ford Focus.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these limits are set the same as your liablity limits.

Liability insurance – This will cover damages or injuries you inflict on a person or their property by causing an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability insurance covers things such as funeral expenses, pain and suffering and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Stretch your dollar

Drivers who switch companies do it for any number of reasons including policy cancellation, not issuing a premium refund, lack of trust in their agent and even extreme rates for teen drivers. Regardless of your reason for switching companies, finding a new car insurance company is less work than it seems.

As you go through the steps to switch your coverage, make sure you don’t reduce coverage to reduce premium. Too many times, someone sacrificed liability limits or collision coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to purchase a proper amount of coverage for the lowest cost but still have enough coverage for asset protection.

You just learned some good ideas how to save on 2003 Ford Focus insurance. The key thing to remember is the more rate quotes you have, the better your comparison will be. Consumers could even find that the biggest savings come from a small mutual company.

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