2007 Ford Focus Car Insurance Rates – 6 Tricks for Best Quotes

Looking for the cheapest insurance rates for your Ford Focus? Do you get exhausted from not being able to scrape enough together to pay high insurance rates every month? You’re in the same situation as many other consumers.

Consumers have so many car insurance companies to choose from, and though it is a good thing to have multiple companies, so many choices can make it hard to find the best rates.

Finding the best rates is not that difficult. If you currently have car insurance, you should be able to cut costs considerably using these techniques. But consumers should learn how insurance companies market on the web because it can help you find the best coverage.

The method we recommend to compare rate quotes is to know most larger insurance companies have advanced systems to provide you with a free rate quote. The only thing you need to do is provide the companies a bit of rating information like whether you are single or married, whether or not you need a SR-22, how old drivers are, and what your job is. Your information is then sent to multiple top-rated companies and you get price estimates within a short period of time.

Brand name doesn’t guarantee savings

Companies like State Farm, Allstate and GEICO consistently run ads on television and other media. All the companies have a common claim that you’ll save big if you just switch your coverage. How does every car insurance company sell you cheaper insurance coverage? Here is the trick they use.

Most companies have specific characteristics for the type of driver that will generate a profit. For example, a driver they prefer could be between the ages of 30 and 50, has never had a policy lapse, and does not commute to work. Any customer who meets those qualifications will get a cheap rate quote and have a good chance to save if they switch.

Consumers who don’t measure up to the “perfect” profile may receive higher rates which translates to the driver buying from a lower-cost company. The trick companies use is to say “drivers that switch” but not “everyone who gets a quote” can get the lowest rates when switching. That is how companies can make the claims of big savings. That is why drivers must get as many free auto insurance quotes as possible. It is just not possible to predict which insurance companies will give you lower rates than your current company.

Insurance coverage policy discounts

Insurance can cost an arm and a leg, but you may find discounts to help offset the cost. Many of these discounts will be applied automatically when you quote, but once in a while a discount must be asked about prior to receiving the credit. If you check and find you aren’t receiving every discount you deserve, you’re paying more than you need to.

  • Multiple Vehicles – Buying a policy with several vehicles on a single policy may reduce the rate for each vehicle.
  • Waiver for an Accident – This isn’t a discount exactly, but some companies like Liberty Mutual and GEICO will forgive one accident before raising your premiums if you have no claims before the accident.
  • Student Discounts – Performing well in school can get you a discount of up to 25%. You can use this discount normally up to age 25.
  • Pay Early and Save – By paying your policy upfront rather than paying in monthly installments you can avoid the installment charge.
  • Policy Bundle Discount – When you combine your auto and home insurance with the same company you could earn a discount of at least 10 to 15 percent or more.
  • Home Ownership Discount – Owning a house can get you a discount since owning and maintaining a home shows financial diligence.

Remember that many deductions do not apply the the whole policy. Most cut specific coverage prices like comprehensive or collision. So when it seems like you would end up receiving a 100% discount, it’s just not the way it works.

The best insurance coverage companies and their offered discounts are detailed below.

  • GEICO policyholders can earn discounts including good student, defensive driver, driver training, air bags, military active duty, and five-year accident-free.
  • SAFECO discounts include bundle discounts, teen safety rewards, anti-lock brakes, homeowner, and anti-theft.
  • State Farm has savings for multiple autos, good student, Drive Safe & Save, good driver, and student away at school.
  • MetLife may include discounts for claim-free, good student, accident-free, multi-policy, and good driver.
  • 21st Century offers premium reductions for defensive driver, student driver, anti-lock brakes, automatic seat belts, and theft prevention.
  • Progressive has discounts for homeowner, multi-policy, continuous coverage, good student, online signing, and online quote discount.

Double check with each company which discounts they offer. Savings may not apply to policyholders in every state. If you would like to see a list of insurance coverage companies that have a full spectrum of discounts, follow this link.

How do I know if I need professional advice?

When buying adequate coverage, there isn’t really a best way to insure your cars. Each situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover if you could use an agent’s help.

  • Will filing a claim cost me more?
  • Is my teenager covered with friends in the car?
  • If I drive on a suspended license am I covered?
  • What can I do if my company won’t pay a claim?
  • What if I owe more than I can insure my car for?
  • Exactly who is provided coverage by my policy?
  • Is my nanny covered when driving my vehicle?
  • Is upholstery damage covered by car insurance?
  • Is my trailer covered?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier

What car insurance coverages do you need?

Knowing the specifics of your policy can help you determine the right coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. These are the normal coverages found on most car insurance policies.

Comprehensive coverages

This pays for damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things like falling objects, hail damage, damage from getting keyed, theft and rock chips in glass. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability coverage

This protects you from damage or injury you incur to a person or their property that is your fault. It protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things like bail bonds, medical expenses, attorney fees, court costs and emergency aid. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Auto collision coverage

This coverage covers damage to your Focus caused by collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like crashing into a ditch, sideswiping another vehicle, backing into a parked car, colliding with a tree and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and also any damage incurred to your Ford Focus.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Coverage for medical payments

Med pay and PIP coverage reimburse you for immediate expenses for things like hospital visits, prosthetic devices, doctor visits and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Saving money is sweet as honey

Some insurance companies don’t offer online price quotes and these regional carriers provide coverage only through independent insurance agents. Lower-priced auto insurance is possible both online as well as from independent agents, and you need to price shop both to get a complete price analysis.

We just presented many ideas to compare 2007 Ford Focus insurance premium rates online. It’s most important to understand that the more quotes you get, the higher your chance of finding affordable auto insurance. You may even find the lowest premium rates come from the least-expected company. These companies may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate and Progressive.

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