How Much Does 2009 Ford Focus Insurance Cost?

Buyers have a choice when searching for the best price on Ford Focus insurance. They can either spend hours driving around to get rate comparisons or use the internet to make rate comparisons. There is a right way and a wrong way to shop for insurance so we’re going to tell you the absolute fastest way to quote coverages for a new or used Ford and find the lowest price.

It’s a good habit to take a look at other company’s rates as often as possible since insurance prices are constantly changing. If you had the best deal on Focus insurance a few years ago a different company probably has better rate quotes today. Forget anything you know (or think you know) about insurance because you’re going to get a crash course in the right way to find better rates and still maintain coverage.

Take advantage of every insurance coverage discount

Insurance coverage is expensive, but you might find some hidden discounts that many people don’t even know exist. Some of these disounts will be visible when you complete an application, but once in a while a discount must be specifically requested before you will receive the discount.

  • Paperwork-free – Many larger companies provide a small discount for buying your policy on the internet.
  • Pay Now and Pay Less – By paying your entire bill at once instead of making monthly payments you may have a lower total premium amount.
  • Discounts for Responsible Drivers – Drivers who don’t get into accidents may save up to 50% more on Focus insurance than their less cautious counterparts.
  • Driver’s Ed – Cut your cost by having your teen driver sucessfully take a drivers education course if it’s offered in school.
  • Sign Early and Save – Select companies give a discount for renewing your policy before your current coverage expires. It could save around 10% when you buy car insurance online.
  • Fewer Miles Equal More Savings – Driving less could earn slightly better prices than normal.
  • Military Deployment Discount – Having an actively deployed family member could qualify you for better prices.

Policy discounts save money, but most of the big mark downs will not be given to the overall cost of the policy. Most only apply to individual premiums such as comp or med pay. Just because it seems like you would end up receiving a 100% discount, companies don’t profit that way. Any qualifying discounts will help reduce your insurance coverage premiums.

A few of the larger companies and some of the discounts are detailed below.

  • Progressive offers premium reductions for multi-policy, multi-vehicle, good student, continuous coverage, and homeowner.
  • AAA may include discounts for pay-in-full, good student, multi-policy, good driver, and multi-car.
  • Farmers Insurance may offer discounts for electronic funds transfer, good student, teen driver, early shopping, and distant student.
  • GEICO discounts include defensive driver, multi-policy, driver training, air bags, and anti-lock brakes.
  • Esurance has discounts for good student, online shopper, safety device, anti-lock brakes, Switch & Save, and anti-theft.
  • SAFECO offers discounts including multi-car, bundle discounts, drive less, anti-theft, teen safety rewards, homeowner, and teen safe driver.
  • State Farm has savings for safe vehicle, good student, good driver, defensive driving training, driver’s education, and accident-free.

Check with each company or agent to give you their best rates. All car insurance discounts might not be offered on policies in your area. To view insurance companies who offer cheap insurance coverage quotes, click this link.

How much does insurance cost?

Reducing your 2009 Ford Focus insurance rates is a fairly straight forward process. The only requirement is to invest a little time to compare rate quotes online from several insurance companies. Price comparisons can be done using a couple different methods.

  1. Probably the best way to find low rates would be an industry-wide quote request form like this one (opens in new window). This method prevents you from having to do repetitive form submissions for every insurance company. Filling out one form will return quotes from several companies. Recommended for those who want to invest the least amount of time.
  2. A less efficient way to find more affordable insurance is to take the time to go to the website of each company and repeat the quote process. For instance, we’ll assume you want rates from Farmers, 21st Century and Progressive. In order to get each rate, you would have to go to every website to enter the same coverage data repeatedly, which can get old fast.

    To view a list of companies in your area, click here.

  3. The least efficient and most time consuming way to comparison shop rate quotes is going to and from local insurance agencies. The ability to quote online has made agencies unnecessary unless you prefer the extra assistance of a local agent. You can, however, comparison shop online but buy the policy through an agent.

However you get your quotes, make sure you compare the same coverages and limits on every quote you get. If you use different deductibles it will be impossible to determine which rate is truly the best.

How your Focus insurance premiums are determined

Many factors are part of the equation when pricing auto insurance. Most are fairly basic such as your driving history, but other factors are more transparent such as whether you are married or your commute time.

  • Get better rates if married – Being married may earn you lower rates on your policy. Marriage translates into being more mature than a single person and it’s statistically proven that drivers who are married file infrequent claims.
  • Rates can drop if you have more than one policy – Many insurers afford better rates to buyers that purchase more than one policy such as combining an auto and homeowners policy. Even with this discount, it’s still a good idea to compare rates to make sure you are getting the best deal.
  • Your credit score is important – A driver’s credit history can be an important factor in determining your rates. Therefore, if your credit can be improved, you could save money insuring your 2009 Ford Focus by taking the time to improve your credit score. Insureds that have good credit tend to be more responsible as compared to drivers with lower credit scores.
  • Better premiums on cars with good safety ratings – Vehicles that have high safety ratings cost less to insure. Safe vehicles result in less severe injuries and reduced instances of injuries translates directly to fewer claims which can result in lower premiums. If your Ford Focus scored at minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may cost less to insure.
  • Rates also based on gender – Over time, data shows women tend to be less risk to insure than men. However, this does not mean females are better at driving than males. Females and males have fender benders in similar numbers, but males tend to have higher claims. Men also tend to have more aggressive citations such as driving while intoxicated (DWI) or driving recklessly. Male teenagers have the highest risk to insure and therefore are the most expensive to insure.

How to know if you need help

When it comes to choosing proper insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different.

These are some specific questions can aid in determining whether you will benefit from professional help.

  • Am I covered if I hit a deer?
  • At what point should I drop full coverage?
  • What companies insure drivers after a DUI or DWI?
  • What is roadside assistance coverage?
  • I don’t drive much so do I pay less?
  • Am I covered if I hit my neighbor’s mailbox?
  • Am I missing any policy discounts?
  • How much liability coverage do I need in my state?
  • Which companies will insure high-risk drivers?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and you can get the answers you need.

Save $449 a year. For real?

Drivers constantly see and hear ads that claim the cheapest prices from companies such as State Farm, GEICO and Progressive. All the ads tend to make the same promise about savings if you get a free car insurance quote and switch your insurance policy to them.

How can each company charge lower premium rates? It’s all in the numbers.

Companies are able to cherry pick for the type of driver that earns them a profit. For example, a profitable customer could be between 25 and 40, is a homeowner, and has excellent credit. Any driver who fits that profile will qualify for the lowest prices and will probably save when switching.

Drivers who fall short of the ideal profile will probably be forced to pay higher premium rates which usually ends up with business going elsewhere. The wording the ads use say “people who switch” not “everyone that quotes” save the amount stated. That’s why companies can truthfully make the claims of big savings. This really illustrates why you really need to compare as many free car insurance quotes as you can. It is just not possible to predict the company that will provide the lowest prices.

Detailed coverages of your auto insurance policy

Understanding the coverages of your auto insurance policy can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Collision coverage protection

This pays for damage to your Focus resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like hitting a mailbox, crashing into a ditch and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like damage from flooding, hitting a bird, a broken windshield, theft and falling objects. The maximum payout your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for expenses for pain medications, surgery and doctor visits. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible

Coverage for liability

Liability insurance provides protection from damages or injuries you inflict on people or other property that is your fault. This insurance protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for claims like legal defense fees, repair bills for other people’s vehicles, medical services, funeral expenses and bail bonds. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Power to the consumer

When trying to cut insurance costs, do not buy poor coverage just to save money. In many cases, drivers have reduced collision coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy a smart amount of coverage at an affordable rate, but do not sacrifice coverage to save money.

Insureds switch companies for any number of reasons including policy non-renewal, not issuing a premium refund, denial of a claim and even lack of trust in their agent. It doesn’t matter what your reason, finding a new company is less work than it seems.

Cheaper 2009 Ford Focus insurance can be sourced on the web in addition to many insurance agents, and you need to comparison shop both so you have a total pricing picture. A few companies do not offer internet price quotes and usually these regional carriers only sell coverage through local independent agencies.

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