How Much Does 2016 Ford Focus Insurance Cost?

Locating low-cost insurance for a new or used Ford Focus can turn out to be a painful process, but you can use a few tricks to find lower rates.

There is a better way to compare insurance rates so you’re going to learn the absolute fastest way to compare rates for a new or used Ford and locate the lowest possible price from local insurance agents and online providers.

It’s important to compare rates as often as possible because insurance prices are rarely the same from one policy term to another. Even if you got the lowest price on Focus insurance six months ago there may be better deals available now. There are lots of tips to save on insurance on the internet, but in this article, you’re going to get some good information on how to reduce your insurance bill.

If you have a policy now or are looking for a new policy, you can use these tips to find better prices and still get good coverage. Locating the lowest cost car insurance is simple if you know the tricks. Consumers only need to know the tricks to shop for car insurance over the internet.

Are you receiving every discount?

Not many people think insurance is cheap, but you might already qualify for some discounts to help bring down the price. Certain discounts will be triggered automatically when you purchase, but lesser-known reductions have to be specifically requested before they will apply.

  • Early Payment Discounts – If you can afford to pay the entire bill rather than paying monthly you could save 5% or more.
  • Clubs and Organizations – Joining certain professional organizations is a simple method to lower premiums on your bill.
  • Anti-theft Discount – Cars, trucks, and SUVs optioned with advanced anti-theft systems have a lower chance of being stolen and qualify for as much as a 10% discount.
  • Defensive Driving Course – Taking part in a course teaching defensive driver skills could cut 5% off your bill depending on where you live.
  • E-sign – A few insurance coverage companies provide a small discount for buying your policy on their website.
  • Homeowners Pay Less – Being a homeowner can get you a discount since home ownership requires personal responsibility.
  • Student in College – Children who are enrolled in a college that is more than 100 miles from home and do not have a car can be insured at a reduced rate.
  • Bundle and Save – When you have multiple policies and insure them with the same company you could get a discount of at least 10 to 15 percent or more.

You should keep in mind that most discounts do not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like comprehensive or collision. Just because it seems like you could get a free insurance coverage policy, nobody gets a free ride.

A list of insurance coverage companies and the discounts they provide are outlined below.

  • Progressive has discounts for online signing, homeowner, continuous coverage, good student, and multi-policy.
  • The Hartford may offer discounts for air bag, vehicle fuel type, good student, anti-theft, defensive driver, driver training, and bundle.
  • Mercury Insurance offers premium reductions for location of vehicle, type of vehicle, anti-theft, good student, multi-car, and ease of repair.
  • GEICO has savings for defensive driver, multi-vehicle, good student, seat belt use, five-year accident-free, and federal employee.
  • AAA includes discounts for multi-policy, multi-car, AAA membership discount, good student, and pay-in-full.
  • State Farm offers discounts including multiple policy, anti-theft, Drive Safe & Save, good driver, accident-free, safe vehicle, and Steer Clear safe driver discount.

If you need lower rates, check with each company how many discounts you can get. Discounts may not be offered in your area. If you would like to view companies offering insurance coverage discounts, click this link.

When in doubt talk to an agent

When choosing proper insurance coverage, there really is no one size fits all plan. Every insured’s situation is different.

Here are some questions about coverages that may help you determine if your insurance needs might need an agent’s assistance.

  • What happens if I owe more than my 2016 Ford Focus is worth?
  • Will my rates increase for filing one claim?
  • Am I better off with higher deductibles on my 2016 Ford Focus?
  • Should I have combined single limit or split liability limits?
  • Why do I only qualify for high-risk insurance?
  • Do I have coverage when using my vehicle for my home business?
  • Can I get a multi-policy discount?
  • Can I rate high risk drivers on liability-only vehicles?
  • How do I buy GAP insurance?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and can provide invaluable advice.

Specifics of your insurance policy

Having a good grasp of insurance can help you determine appropriate coverage and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like damage from getting keyed, a broken windshield and fire damage. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision insurance

This pays to fix your vehicle from damage resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as crashing into a building, colliding with another moving vehicle, hitting a parking meter, colliding with a tree and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also increase the deductible to get cheaper collision coverage.

Auto liability insurance

This can cover damages or injuries you inflict on other people or property in an accident. This coverage protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things like medical expenses, attorney fees, medical services, funeral expenses and repair costs for stationary objects. How much liability should you purchase? That is your choice, but buy as large an amount as possible.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for bills like chiropractic care, ambulance fees, pain medications, EMT expenses and prosthetic devices. They are utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your Ford Focus.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Be a money saver!

Cheaper 2016 Ford Focus insurance is definitely available on the web and also from your neighborhood agents, so you need to shop insurance with both so you have a total pricing picture. Some insurance providers may not have the ability to get a quote online and many times these small insurance companies prefer to sell through independent insurance agencies.

People leave their current company for a number of reasons such as questionable increases in premium, poor customer service, policy non-renewal and even denial of a claim. No matter why you want to switch, switching companies can be easy and end up saving you some money.

While you’re price shopping online, do not reduce coverage to reduce premium. There are many occasions where an insured cut physical damage coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your objective should be to purchase a proper amount of coverage at a price you can afford, but do not skimp to save money.

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