2013 Ford Focus Insurance Rates – 7 Discounts for Cheapest Quotes

Shoppers have lots of choices when shopping for the lowest priced Ford Focus insurance. You can either waste hours driving around to compare prices or save time using the internet to find the lowest rates. There is a better way to find auto insurance online and we’ll show you the absolute fastest way to get price quotes for your Ford and locate the cheapest rates from local insurance agents and online providers.

You should take the time to shop coverage around every six months because prices go up and down regularly. Just because you had the best rates on Focus coverage on your last policy you will most likely find a better premium rate today. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to the things you must know in order to lower your rates without sacrificing coverage.

If you have a policy now or are just looking to switch companies, you can learn to get lower rates and possibly find even better coverage. This information will teach you the most effective way to quote insurance and some tricks to saving. Vehicle owners just need to know the best way to compare prices over the internet.

How to buy insurance coverage online

There are a variety of methods you can shop for insurance coverage but there is one way that is less labor-intensive and much quicker. You could waste time talking about coverages with local insurance agents in your area, or you can stay home and use online quotes to achieve your goal.

Most of the larger companies enroll in a system where prospective buyers send in one quote, and every company then gives them pricing for coverage. This saves time by eliminating quotation requests to every company.

To compare rates now click here (opens in new window).

The single downside to using this type of form is that consumers can’t choose the providers you will receive quotes from. So if you prefer to pick specific providers to compare prices, we have assembled a list of the cheapest insurance coverage companies in your area. Click here for list of insurance companies.

Take whichever approach you prefer, but do your best to enter nearly identical quote information for every quote you compare. If you compare unequal deductibles or liability limits it’s impossible to determine which company has the best rates.

Insurance companies are expert advertisers

Drivers can’t escape the ads that promise big savings for switching by companies like State Farm, Allstate and GEICO. All the companies make the same claim about savings if you move to their company.

How is it possible that every company can save you money? Just pay attention to how they say it.

Insurance companies have specific guidelines for the type of insured that will add to their bottom line. An example of a desirable risk may need to be between the ages of 30 and 50, has never had a claim, and does not commute to work. A propective insured who fits those characteristics will get very good rates and is almost guaranteed to cut their rates if they switch.

Drivers who don’t measure up to the requirements will be quoted higher premiums and ends up with the prospect going elsewhere. The ad wording is “customers who switch” not “everybody who quotes” save that much money. That’s why insurance companies can make it sound like they have such great rates. This really emphasizes why it’s extremely important to compare many company’s rates. It is just not possible to predict the company that will fit you best based on your risk profile.

Double check you’re getting these seven discounts

Buying insurance is not cheap, but there may be some discounts to help offset the cost. Many discounts should be triggered at quote time, but a few must be asked about prior to receiving the credit.

  • Own a Home and Save – Just owning your own home can earn you a little savings because maintaining a house is proof of financial responsibility.
  • Safety Course Discount – Successfully completing a course in defensive driver could possibly earn you a 5% discount and also improve your driving technique.
  • Discounts for Good Drivers – Drivers who avoid accidents can save as much as half off their rates on Focus coverage as compared to drivers with claims.
  • Drive Less and Save – Fewer annual miles on your Ford can earn better premium rates on cars that stay parked.
  • Discount for Multiple Policies – If you insure your home and vehicles with the same company you may save up to 20% off your total premium.
  • Use Seat Belts – Buckling up and requiring all passengers to buckle their seat belts can save 10% or more off the personal injury premium cost.
  • Good Student Discount – Getting good grades can be rewarded with saving of up to 25%. The good student discount can last up to age 25.

One thing to note about discounts is that most discount credits are not given to the overall cost of the policy. Most cut the price of certain insurance coverages like comprehensive or collision. So when it seems like all those discounts means the company will pay you, it’s just not the way it works. Any amount of discount will definitely lower the amount you have to pay.

Popular insurance companies and their possible discounts can be found below.

  • State Farm offers discounts including student away at school, Drive Safe & Save, multiple autos, good student, safe vehicle, and anti-theft.
  • American Family has discounts for bundled insurance, mySafetyValet, defensive driver, good driver, and air bags.
  • AAA has savings for good driver, multi-car, education and occupation, anti-theft, pay-in-full, and AAA membership discount.
  • GEICO policyholders can earn discounts including driver training, anti-lock brakes, defensive driver, military active duty, anti-theft, federal employee, and daytime running lights.
  • Mercury Insurance offers discounts for location of vehicle, multi-car, multi-policy, age of vehicle, and type of vehicle.
  • Farmers Insurance offers premium reductions for multi-car, early shopping, homeowner, distant student, mature driver, youthful driver, and good student.
  • Progressive may include discounts for good student, multi-policy, online quote discount, online signing, multi-vehicle, and continuous coverage.

Check with every insurance company how you can save money. Some discounts might not apply in your area.

Special considerations

When it comes to buying coverage for your vehicles, there isn’t really a cookie cutter policy. Every situation is different.

These are some specific questions might point out whether your personal situation might need professional guidance.

  • Should I bundle my homeowners policy with my auto?
  • Am I covered if I drive in a foreign country?
  • What are the best liability limits?
  • Do I really need UM/UIM coverage?
  • Can I drive in Mexico and have coverage?
  • Will filing a claim cost me more?
  • Can my teen driver be rated on a liability-only vehicle?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance coverage basics

Understanding the coverages of your insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Comprehensive coverages – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like a broken windshield, a tree branch falling on your vehicle and hitting a deer. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as damage to your 2013 Ford Focus.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Liability auto insurance – This coverage can cover damage or injury you incur to a person or their property. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability can pay for claims such as legal defense fees, attorney fees, repair bills for other people’s vehicles and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Collision coverages – This coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things such as backing into a parked car, rolling your car, colliding with a tree, scraping a guard rail and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as ambulance fees, hospital visits, EMT expenses, nursing services and chiropractic care. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Pennies from heaven

In this article, we covered many ideas to save on 2013 Ford Focus insurance. The key thing to remember is the more price quotes you have, the higher the chance of saving money. You may even discover the most savings is with a company that doesn’t do a lot of advertising.

People switch companies for a number of reasons such as delays in responding to claim requests, poor customer service, policy non-renewal and denial of a claim. It doesn’t matter what your reason, choosing a new company can be easier than you think.

Lower-priced 2013 Ford Focus insurance is available both online and from local insurance agents, so you should be comparing quotes from both so you have a total pricing picture. There are still a few companies who do not offer online rate quotes and usually these smaller providers provide coverage only through independent agents.

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