2012 Ford Focus Insurance Quotes

Looking for lower insurance rates for your Ford Focus? If you’re shopping for lower-priced insurance online, do you get overwhelmed by the sheer number of insurance companies available to you? There are such a vast assortment of companies available that it can easily turn into a big hassle to find the perfect company for you.

You need to price shop coverage occasionally since prices tend to go up over time. Despite the fact that you may have had the best price for Focus coverage last year you may be paying too much now. Forget anything you know (or think you know) about insurance because you’re about to find out the tricks you need to know to lower your rates without sacrificing coverage.

Discounts can really help to save

Some insurance providers don’t always list every disount available in a way that’s easy to find, so the list below contains both the well known in addition to some of the lesser obvious discounts that may be available.

  • Distant Student – College-age children who are attending college and do not have a car can receive lower rates.
  • Full Payment Discount – By paying your policy upfront rather than spreading payments over time you can avoid the installment charge.
  • Seat Belt Usage – Drivers who always wear seat belts and also require passengers to use their safety belts can save a little off the medical payments premium.
  • Driver’s Education for Students – Cut your cost by having your teen driver successfully complete driver’s ed class as it will make them better drivers and lower rates.
  • Onboard Data Collection – Drivers who elect to allow driving data submission to study driving manner by using a telematic data system such as In-Drive from State Farm or Allstate’s Drivewise system could possibly reduce rates if they exhibit good driving behavior.
  • Save with More Vehicles Insured – Buying insurance for primary and secondary vehicles with one company could earn a price break for each car.
  • Driver Training Discounts – Taking time to complete a class that teaches safe driver techniques could cut 5% off your bill depending on where you live.
  • Active Service Discounts – Being on active deployment in the military could qualify you for better premium rates.

A quick disclaimer, some of the credits will not apply to all coverage premiums. Most only cut the price of certain insurance coverages like medical payments or collision. Just because you may think having all the discounts means you get insurance for free, it’s just not the way it works.

Some companies that may offer policyholders some of the above discounts include:

Before you buy a policy, ask each insurance company which discounts you qualify for. Some discounts listed above might not be offered everywhere.

Cheapest insurance quotes

When shopping for affordable auto insurance quotes, there are a couple of ways of comparing rate quotes from insurance companies in your area. The fastest way to lower the rate you pay for 2012 Ford Focus insurance is simply to get online rate quotes. This is quite simple and can be completed in just a few minutes using one of these methods.

  • Probably the best way to compare a lot of rates at once is a comparison rater form click to view form in new window. This style of form keeps you from doing separate quotes for every prospective company. One simple form gets prices estimates instantly. Just one form and you’re done.
  • A more difficult way to compare rate quotes requires a visit to each individual company website to request a price quote. For sake of this example, we’ll assume you want to see prices from Farmers, Liberty Mutual and Travelers. You would be required to go to every website and type in your information over and over, which can get old fast. For a list of companies in your area, click here.

It’s up to you how you get prices quotes, just be certain you are entering nearly identical quote information with every price quote. If you have different coverage information you can’t possibly truly determine the lowest rate. Slightly different insurance coverages or limits may result in a large different in cost. Keep in mind that comparing a wide range of rates helps improve the odds of finding a better price.

Will just any policy work for me?

When buying coverage for your vehicles, there really is not a “best” method to buy coverage. Each situation is unique.

These are some specific questions can aid in determining whether you might need professional guidance.

  • Do I need motorclub coverage?
  • Do I need medical payments coverage since I have good health insurance?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Am I covered if I drive in a foreign country?
  • When can I cancel my policy?
  • Does liability extend to a camper or trailer?
  • Do all my vehicles need collision coverage?
  • How much liability do I need to cover my assets?
  • What are the financial responsibility laws in my state?

If you’re not sure about those questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, simply complete this short form.

Auto insurance coverages 101

Knowing the specifics of your auto insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be ambiguous and coverage can change by endorsement.

Auto liability insurance

Liability insurance protects you from damages or injuries you inflict on a person or their property. This insurance protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like medical expenses, bail bonds and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as a tree branch falling on your vehicle, damage from getting keyed, damage from flooding, hail damage and vandalism. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverage protection

This will pay to fix damage to your Focus resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like crashing into a building, crashing into a ditch, driving through your garage door and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Ford Focus.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for dental work, EMT expenses, funeral costs and rehabilitation expenses. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Shop smart and save

Discount 2012 Ford Focus insurance is definitely available online in addition to local insurance agencies, and you should compare price quotes from both to have the best rate selection. There are still a few companies who may not have online price quotes and most of the time these smaller companies only sell coverage through independent insurance agencies.

When you buy auto insurance online, it’s very important that you do not buy less coverage just to save a little money. In many cases, someone dropped full coverage to discover at claim time they didn’t have enough coverage. Your focus should be to buy the best coverage you can find at the lowest possible cost while still protecting your assets.

We just covered a lot of techniques to compare 2012 Ford Focus insurance rates online. The key thing to remember is the more you quote auto insurance, the higher the chance of saving money. Consumers may even find the biggest savings come from some of the lesser-known companies.

Additional information can be found on the following sites: