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Ford Focus Insurance Rates

Shopping for car insurance by quoting online can be fast and easy, plus you might just save a little. The most important part is getting rates from as many companies as possible so you can get the lowest prices.

If shopping for car insurance online is new to you, you may be overwhelmed by the hoards of online car insurance companies and websites vying for your business. When shopping for car insurance there are multiple ways to compare quotes and find the best price. The easiest way to find competitive Focus insurance cost consists of shopping online. This can be done by completing this short form.

Car insurance rates influenced by these factors

Auto insurance rates for your Ford Focus can be significantly different depending on several factors. Including but not limited to:

  • A clean driving record keeps rates low
  • Better credit means lower rates
  • Your gender can raise or lower rates
  • Low deductibles cost more
  • Crash test rating for your Focus
  • What you do for a living
  • Insurance coverage level
  • Home ownership saves money

A final factor that will help determine Focus insurance rates is the model year. Older cars and trucks have a lower value in comparison to older models so the payout to repair may result in lower rates. Although newer models may have a trim level with safety features included like all-wheel drive, a rollover prevention system, and adaptive headlights that may help give discounted rates.

To get a better understanding how rates are influenced for your specific model year, select the year of your vehicle from the list below.

Liability coverages - This coverage protects you from damage or injury you incur to other's property or people by causing an accident. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so consider buying as large an amount as possible.

Collision - Collision coverage pays for damage to your Ford resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It's also possible to bump up the deductible in order to get cheaper Focus insurance rates.

Comprehensive coverages - Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by your Ford Focus comprehensive insurance. The highest amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle's value is low consider dropping full coverage.

UM/UIM Coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Coverage for medical payments - Med pay and PIP coverage pay for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage.

How Much are Ford Focus Insurance Rates?