How Much Does 2006 Ford Focus Insurance Cost?

Searching for cheaper auto insurance rates for your Ford Focus? Using the web to shop for insurance coverage quotes online can be a challenge if you are one of the many people who have never used quoting online. But don’t be discouraged because online price shopping is actually quite simple.

Discounts to earn affordable car insurance rates

Some providers don’t necessarily list every discount they offer very clearly, so the next list breaks down some of the more common as well as the least known credits that may apply to you.

  • Lower Rates for Military – Having a family member in the military could qualify you for better car insurance rates.
  • Clubs and Organizations – Participating in a qualifying organization could earn you a nice discount when getting a insurance coverage quote.
  • Anti-lock Brake Discount – Cars, trucks, and SUVs with ABS braking systems or traction control can avoid accidents so companies give up to a 10% discount.
  • Smart Student Discounts – Performing well in school could provide a savings of up to 20% or more. You can use this discount normally up until you turn 25.
  • Telematics Data – Policyholders that allow their car insurance company to spy on driving habits through the use of a telematics system like Drivewise from Allstate or In-Drive from State Farm may see discounts if they exhibit good driving behavior.
  • Discount for New Cars – Buying car insurance coverage on a new vehicle can save up to 30% because newer vehicles keep occupants safer.
  • Theft Prevention Discount – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen and that can save you a little bit as well.
  • Multi-car Discount – Buying coverage for several vehicles on a single policy could earn a price break for each car.

We need to note that some credits don’t apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like it’s possible to get free car insurance, it’s just not the way it works. But all discounts will cut the amount you pay for coverage.

Companies and a summarized list of policyholder discounts are detailed below.

  • Farm Bureau has discounts for multi-vehicle, safe driver, driver training, 55 and retired, and multi-policy.
  • Liberty Mutual includes discounts for hybrid vehicle, new move discount, new graduate, safety features, exclusive group savings, new vehicle discount, and newly retired.
  • State Farm has savings for safe vehicle, accident-free, multiple autos, student away at school, Drive Safe & Save, and multiple policy.
  • Auto-Owners Insurance may include discounts for teen driver, safe vehicle, good student, anti-theft, and safe driver.
  • GEICO may offer discounts for federal employee, anti-theft, driver training, good student, membership and employees, multi-policy, and multi-vehicle.
  • SAFECO offers discounts for drive less, teen safety rewards, accident prevention training, teen safe driver, bundle discounts, multi-car, and homeowner.

It’s a good idea to ask every insurance company which discounts you may be entitled to. Some discounts might not be offered in your state. To locate providers who offer online car insurance quotes, click here.

Informed drivers save on insurance

Lots of things are used when pricing auto insurance. A few of the factors are predictable like your driving record, but other factors are not as apparent like where you live or your vehicle rating.A large part of saving on insurance is knowing the factors that help calculate your premiums. When you know what positively or negatively positively or negatively impacts your premiums, this empowers consumers to make smart changes that can earn you lower rates.

  • Poor credit decisions can cost you – Having a bad credit rating is likely to be a major factor in determining what you pay for insurance. So if your credit history leaves room for improvement, you could be paying less to insure your 2006 Ford Focus if you clean up your credit. People with excellent credit tend to be better risks to insure than drivers who have worse credit.
  • Save money with alarms and GPS tracking – Driving a car with a theft deterrent system can save you some money. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help prevent car theft.
  • Rural areas have lower premiums – Having an address in small towns and rural areas may provide you with better prices when buying insurance. Urban drivers have much more traffic and more time behind the wheel. Fewer people means reduced accidents in addition to fewer liability claims.
  • Don’t buy add-on coverages that aren’t used – There are a ton of extra coverages that sound like a good idea at the time but may not be useful. Things like rental car coverage, death and dismemberment, and membership fees may be wasting your money. You may think they are a good idea when buying your policy, but if they’re wasting money eliminate the coverages to reduce your premium.
  • With age comes responsibility – More experienced drivers are shown to be more cautious, tend to file fewer claims and get fewer tickets.Teenage drivers are statistically proven to be inattentive in a vehicle so they pay higher insurance rates.
  • Insurance premiums and driver gender – Over time, data shows that women are safer drivers than men. This data doesn’t prove that women are better drivers. Men and women cause accidents in similar percentages, but the male of the species have costlier accidents. Men also statistically get more serious tickets like DWI (DUI) or reckless driving. Young men ages 16 to 20 have the highest risk to insure and thus pay the highest rates.
  • Raise comp and collision deductibles and save – Insurance for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, helps pay for damage to your vehicle. Some examples of covered claims would be collision with another vehicle, damage from fire, and rolling your vehicle. Physical damage deductibles are the amount of money you are required to spend in the event of a claim. The more money you have to pay, the lower your rates will be on Focus coverage.
  • Keep the miles off and save – The more you drive your Ford every year the higher your rate. Most insurance companies charge to insure your cars determined by how the vehicle is used. Cars that do not get driven very much can be on a lower rate level compared to those used for work or business. Incorrect rating for your Focus can cost quite a bit. It’s always a good idea to double check that your insurance coverage correctly shows the correct usage, because it can save money.

Tailor your auto insurance coverage to you

When choosing the right insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs.

For example, these questions can help discover if your insurance needs could use an agent’s help.

  • Do I really need UM/UIM coverage?
  • What is roadside assistance coverage?
  • What is PIP insurance?
  • Can I rate high risk drivers on liability-only vehicles?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • I have a DUI can I still get coverage?
  • Is a blown tire covered by insurance?

If you’re not sure about those questions, you might consider talking to an insurance agent. To find an agent in your area, complete this form.

Car insurance policy coverages for a Ford Focus

Learning about specific coverages of your car insurance policy can be of help when determining which coverages you need for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like surgery, EMT expenses and doctor visits. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like falling objects, damage from a tornado or hurricane, hitting a bird, rock chips in glass and fire damage. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Auto liability

Liability insurance protects you from damages or injuries you inflict on a person or their property that is your fault. It protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability can pay for things like medical expenses, repair costs for stationary objects, legal defense fees, structural damage and emergency aid. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage protection

This pays for damage to your Focus resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as sideswiping another vehicle, colliding with a tree, backing into a parked car and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. You can also bump up the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Ford Focus.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Normally these coverages are similar to your liability insurance amounts.

Shop. Compare. Save.

As you restructure your insurance plan, it’s very important that you do not buy less coverage just to save a little money. In many cases, consumers will sacrifice full coverage only to regret that a couple dollars of savings turned into a financial nightmare. Your strategy should be to purchase plenty of coverage at the best cost but still have enough coverage for asset protection.

We’ve covered many ideas to lower your 2006 Ford Focus insurance rates. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest priced insurance comes from a smaller regional carrier.

Lower-priced insurance is possible both online as well as from independent agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance providers don’t offer price quotes online and usually these small insurance companies prefer to sell through independent agencies.

For more information, feel free to browse these articles: