6 Guaranteed Ways to Lower Ford Focus Rates

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Trust us, many consumers are feeling buyer’s remorse and feel like there’s no way out. Consumers have many car insurance companies to pick from, and although it’s a good thing to have multiple companies, too many choices makes it more difficult to compare rates.

It’s a good habit to take a look at other company’s rates yearly since rates are constantly changing. Even if you got the lowest price for Focus coverage two years ago you can probably find a better price now. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to the easiest way to properly buy coverages while reducing your premium.

Choosing the best insurance company for you is not that difficult. If you have insurance now or are just looking to switch companies, you can use this information to find better prices and still get good coverage. Drivers only need an understanding of how to compare company rates on the web.

Auto Insurance Prices Online

All the larger auto insurance companies provide prices on the web. This process is fairly simple as you simply type in the coverage amounts you desire as requested by the quote form. Behind the scenes, their system orders your driving record and credit report and generates a price based on these factors. This streamlines rate comparisons, but the work required to visit different websites and fill out multiple forms is repetitive and time-consuming. But it’s very important to get many rate quotes in order to get the lowest auto insurance rates.

The better way to compare rates

An easier way to find cheaper rates makes use of a single form that analyzes rates from a lot of companies. The form is fast, helps eliminate reptitive entry, and makes online quotes much easier. After your information is entered, it is rated and you can choose your choice of the resulting price quotes. If one or more price quotes are lower than your current rates, you simply finish the application and purchase coverage. The entire process can be completed in less than 10 minutes and you will know how your current rates stack up.

To find out how much you’re overpaying now, click here to open in a new tab and fill out the form. To compare your current rates, we recommend you replicate the limits and deductibles exactly as they are listed on your policy. This ensures you will have a fair comparison based on identical coverages.

When might I need help?

When it comes to buying adequate coverage for your personal vehicles, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance should reflect that For example, these questions might point out whether your personal situation would benefit from professional advice.

  • Do all my vehicles need collision coverage?
  • Does coverage extend to a rental car in a foreign country?
  • Do I need higher deductibles?
  • What if I don’t agree with a claim settlement offer?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Do I have coverage when using my vehicle for my home business?
  • Do I benefit by insuring my home with the same company?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.

Auto insurance policy coverages for a Ford Focus

Learning about specific coverages of your auto insurance policy aids in choosing the right coverages and proper limits and deductibles. Auto insurance terms can be impossible to understand and coverage can change by endorsement. Shown next are the usual coverages offered by auto insurance companies.

Liability car insurance

This coverage provides protection from injuries or damage you cause to other people or property in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers claims such as attorney fees, funeral expenses, loss of income and court costs. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Ford Focus.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like rehabilitation expenses, X-ray expenses, chiropractic care, pain medications and doctor visits. They can be used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants and will also cover being hit by a car walking across the street. PIP is not universally available and may carry a deductible

cheap insurance for Ford Focus

Comprehensive insurance

Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as damage from flooding, falling objects, rock chips in glass and vandalism. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for collisions

This pays for damage to your Focus caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like driving through your garage door, sustaining damage from a pot hole, colliding with another moving vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.