How Much Does 2011 Ford Focus Car Insurance Cost?

Have you fallen victim to an expensive insurance policy? It’s a common feeling and there are many consumers feeling the pinch from expensive insurance.

Many car insurance companies compete to insure your vehicles, so it can be very hard to choose a insurer to discover the definitive lowest rate possible.

If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using this strategy. Finding affordable coverage is not that difficult. But drivers do need to understand how companies market insurance on the web and use this information to your advantage.

These discounts can slash insurance coverage rates

Properly insuring your vehicles can get expensive, but there are discounts available that many people don’t even know exist. Larger premium reductions will be automatically applied when you quote, but occassionally some discounts must be specifically requested prior to getting the savings.

  • Low Mileage Discounts – Driving less could earn discounted prices on garaged vehicles.
  • Discount for Swiching Early – Some companies reward drivers for switching policies before your current policy expires. This can save 10% or more.
  • ABS Braking Discount – Vehicles with ABS and/or traction control have fewer accidents and will save you 10% or more.
  • Anti-theft Discount – Anti-theft and alarm system equipped vehicles are less likely to be stolen and qualify for as much as a 10% discount.
  • Student in College – who live away from home at college and don’t have a car can be insured at a reduced rate.
  • Discounts for Government Workers – Active or retired federal employment can earn a discount up to 10% on Focus insurance with some insurance coverage companies.
  • No Accidents – Drivers who don’t have accidents pay less compared to insureds who have frequent claims or accidents.
  • Defensive Driver Discounts – Participating in a driver safety class is a good idea and can lower rates and also improve your driving technique.
  • Payment Method – If you pay your entire premium ahead of time as opposed to paying monthly you may have a lower total premium amount.
  • Savings for New Vehicles – Insuring a vehicle that is new may earn a small discount because newer vehicles have to meet stringent safety requirements.

Discounts lower rates, but some credits don’t apply to the entire policy premium. Most only reduce the price of certain insurance coverages like medical payments or collision. Even though it may seem like all those discounts means the company will pay you, you won’t be that lucky.

Large insurance coverage companies and a summarized list of policyholder discounts are shown below.

  • Farm Bureau offers discounts including renewal discount, multi-vehicle, driver training, safe driver, multi-policy, good student, and youthful driver.
  • State Farm offers premium reductions for accident-free, safe vehicle, anti-theft, multiple policy, multiple autos, passive restraint, and good student.
  • Progressive may offer discounts for multi-policy, online quote discount, continuous coverage, homeowner, and online signing.
  • Allstate policyholders can earn discounts including farm vehicle, utility vehicle, passive restraint, senior citizen, early signing, and new car.
  • Nationwide may include discounts for multi-policy, easy pay, accident-free, good student, anti-theft, Farm Bureau membership, and business or organization.
  • MetLife has discounts for defensive driver, accident-free, claim-free, good driver, and good student.

If you need low cost car insurance quotes, ask each company which discounts can lower your rates. Discounts may not apply to policies everywhere. To find insurance coverage companies with the best discounts, click here.

Buy car insurance online

The majority of larger companies like GEICO, State Farm and Progressive give insurance quotes on the web. Doing online price comparisons is fairly simple as you simply type in your coverage information as detailed in the form. When the form is submitted, the quote system pulls your driving and credit reports and gives you a price quote based on these and other factors. Being able to quote online streamlines rate comparisons, but the time it takes to visit a lot of sites and type in your information is a big time waster. But it’s necessary to compare as many rates as possible in order to find the lowest price.

Online rates the easy way

The preferred way to find better car insurance pricing uses one simple form that gets prices from multiple companies. This type of form saves time, helps eliminate reptitive entry, and makes price shopping online a lot less work. Immediately after you send the form, it is quoted and you can choose any or none of the quotes that you receive.

If a lower price is quoted, you can simply submit the application and purchase coverage. The entire process only takes a few minutes and could lower your rates considerably.

To quickly compare rates now, click here to open in new window and begin entering your coverage information. If you have coverage now, it’s recommended you duplicate as close as possible to your current policy. Doing this assures you will be getting an apples-to-apples comparison using the exact same coverages.

When do I need an agent’s advice?

When it comes to choosing the right insurance coverage, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For instance, these questions can help discover if your situation may require specific advice.

  • Why is insurance for a teen driver so high?
  • Where can I find high-risk insurance?
  • Can I still get insurance after a DUI?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • How much liability do I need to cover my assets?
  • Do I pay less if my vehicle is kept in my garage?
  • Should I buy full coverage?
  • Does my insurance cover my expensive audio equipment?
  • Do I need special endorsements for business use of my vehicle?

If you can’t answer these questions but a few of them apply, you may need to chat with an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance coverage companies in your area.

Car insurance coverages explained

Understanding the coverages of your car insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. These are the normal coverages offered by car insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as damage to your Ford Focus.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Liability coverage

Liability insurance can cover damage or injury you incur to other people or property in an accident. This coverage protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims like emergency aid, medical expenses, legal defense fees and pain and suffering. How much coverage you buy is a personal decision, but consider buying as much as you can afford.

Auto collision coverage

This coverage pays for damage to your Focus resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like colliding with a tree, driving through your garage door, crashing into a building, rolling your car and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Comprehensive auto coverage

Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like damage from a tornado or hurricane, a tree branch falling on your vehicle, fire damage, hail damage and damage from getting keyed. The most your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for prosthetic devices, chiropractic care and X-ray expenses. They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage

Final considerations

In this article, we covered quite a bit of information on how to reduce 2011 Ford Focus insurance rates online. The key thing to remember is the more you quote car insurance, the higher your chance of finding inexpensive car insurance. Consumers may even find the best rates are with a small mutual company. Smaller companies may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm, GEICO and Nationwide.

As you shop your coverage around, it’s very important that you do not buy poor coverage just to save money. There have been many cases where drivers have reduced physical damage coverage only to discover later they didn’t have enough coverage. The ultimate goal is to buy a smart amount of coverage at the lowest possible cost, but don’t skip important coverages to save money.

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