2015 Ford Focus Car Insurance Quotes – 5 Discounts for Cheaper Rates

Trying to find better car insurance rates for your Ford Focus? Locating lower priced car insurance is problematic for beginners to online price comparisons. With so many agents and insurance companies available, how are consumers expected to be able to compare the different rates to find the lowest price?

Consumers need to compare rates once or twice a year because rates are rarely the same from one policy term to another. If you had the lowest rate on Focus coverage last year other companies may now be cheaper. Forget all the misinformation about car insurance because I’m going to teach you how to quote online to remove unneeded coverages and save money.

Five discounts to earn cheaper car insurance rates

Car insurance companies don’t necessarily list all available discounts very well, so here is a list a few of the more well known as well as some of the hidden credits that you can use to lower your rates.

  • Bundle and Save – If you can bundle your homeowners and auto insurance and place coverage with the same company they may give you a discount of as much as 10 to 15 percent.
  • Paper-free Discount – A few larger online companies will give a small break simply for signing on the internet.
  • Payment Discounts – If paying your policy premium upfront instead of making monthly payments you can avoid monthly service charges.
  • Defensive Driver Discount – Taking time to complete a safe driver class is a good idea and can lower rates and make you a better driver.
  • Anti-lock Brake System – Cars, trucks, and SUVs that have anti-lock braking systems can stop better under adverse conditions and the ABS can save up to 10%.

Drivers should understand that most discount credits are not given to the entire cost. Some only reduce the cost of specific coverages such as medical payments or collision. So when the math indicates having all the discounts means you get insurance for free, it doesn’t quite work that way.

To see providers that offer many of these discounts, follow this link.

Tailor your car insurance coverage to you

When choosing the right insurance coverage, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s.

Here are some questions about coverages that could help you determine whether you may require specific advice.

  • Am I getting all the discounts available?
  • When should I not file a claim?
  • What is the minimum liability in my state?
  • Exactly who is provided coverage by my policy?
  • Am I covered by my spouse’s policy after a separation?
  • When do I need to add a new car to my policy?
  • Am I covered when driving in Canada or Mexico?
  • Should I buy additional glass protection?
  • What is roadside assistance coverage?
  • What is no-fault insurance?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form.

Educate yourself about auto insurance coverages

Learning about specific coverages of your policy can help you determine the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement.

Comprehensive auto coverage – Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things like fire damage, vandalism and theft. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverages – Collision coverage pays for damage to your Focus caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like damaging your car on a curb, sustaining damage from a pot hole, colliding with a tree, backing into a parked car and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Liability – Liability insurance protects you from damages or injuries you inflict on other’s property or people that is your fault. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as legal defense fees, funeral expenses, repair bills for other people’s vehicles, emergency aid and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but consider buying as large an amount as possible.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as nursing services, doctor visits, chiropractic care and surgery. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and damage to your Ford Focus.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally these limits are identical to your policy’s liability coverage.

Be a penny pincher

Discount 2015 Ford Focus insurance can be found online in addition to many insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some companies may not provide rates over the internet and usually these small insurance companies only sell coverage through local independent agencies.

People leave their current company for many reasons like questionable increases in premium, not issuing a premium refund, unfair underwriting practices and policy non-renewal. It doesn’t matter what your reason, finding a great new company can be less work than you think.

When trying to cut insurance costs, do not buy less coverage just to save a little money. There have been many cases where drivers have reduced liability limits or collision coverage only to find out that they should have had better coverage. Your strategy should be to find the BEST coverage for the lowest cost, but do not sacrifice coverage to save money.

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