2017 Ford Focus Car Insurance Rates – 5 Policy Discounts

Shoppers have options when shopping for low-cost Ford Focus insurance. They can either waste time driving around trying to get quotes or leverage the internet to compare rates.

There are more efficient ways to shop for auto insurance and we’ll show you the absolute fastest way to price shop coverage on a Ford and get the best price possible from both online companies and local agents.

The purpose of this post is to introduce you to the best way to quote coverages and some tricks to saving. If you currently have car insurance, you will most likely be able to reduce your rates substantially using this strategy. Consumers just need to learn the most efficient way to get comparison quotes online.

Where can I get affordable auto insurance?

All major auto insurance companies like Progressive, GEICO, Allstate and State Farm allow consumers to get price estimates directly from their websites. Getting online quotes is fairly straightforward because it’s just a matter of typing in the coverage amounts you desire as requested by the quote form. Behind the scenes, the system orders information on your driving record and credit history and provides a quote.

Quoting online makes comparing rates easy, but the time required to go to several different sites and complete many quote forms can get tiresome after awhile. But it is imperative to compare as many rates as possible if you want to get a better rate.

The quickest way to compare auto insurance pricing uses one simple form that gets price quotes from many companies. It saves time, reduces the work, and makes rate comparisons a little more enjoyable. As soon as you send your information, your coverage is rated and you are able to buy your choice of the pricing results.

If one or more price quotes are lower than your current rates, you can simply submit the application and buy the policy. The whole process just takes a couple of minutes and may result in a nice savings.

If you want to fill out one form to compare multiple rates now, click here and enter your information. To compare your current rates, we recommend you copy coverages and limits as shown on your current policy. This helps ensure you’re receiving a fair comparison for the exact same coverage.

Tailor your insurance coverage coverage to you

When it comes to choosing coverage, there is no “perfect” insurance plan. Your needs are not the same as everyone else’s.

For instance, these questions can help discover if you might need professional guidance.

  • Are my friends covered when driving my car?
  • Does my insurance cover my expensive audio equipment?
  • Does my car insurance cover rental cars?
  • Who is covered when they drive my 2017 Ford Focus?
  • Do I need PIP (personal injury protection) coverage in my state?
  • What vehicles should carry emergency assistance coverage?
  • How do I buy GAP insurance?
  • Am I covered if I hit a deer?
  • Should I bundle my homeowners policy with my auto?
  • Is rental equipment covered for theft or damage?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form. It’s fast, free and can provide invaluable advice.

Information about specific coverages

Understanding the coverages of your policy helps when choosing appropriate coverage and the correct deductibles and limits. Insurance terms can be ambiguous and reading a policy is terribly boring.

Liability coverage – Liability coverage provides protection from damage or injury you incur to other’s property or people that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

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 policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined limit which provides one coverage limit without having the split limit caps.

Liability can pay for claims like medical expenses, medical services and attorney fees. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.

Medical costs insurance – Coverage for medical payments and/or PIP pay for short-term medical expenses for things like pain medications, surgery, dental work, chiropractic care and funeral costs. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Comprehensive or Other Than Collision – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as hitting a deer, a broken windshield, hitting a bird, damage from getting keyed and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision – Collision insurance pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things such as driving through your garage door, sustaining damage from a pot hole, backing into a parked car, crashing into a ditch and crashing into a building. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

UM/UIM Coverage – This provides protection when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants 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. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually these coverages do not exceed the liability coverage limits.