Save Hundreds on Ford Focus Insurance in Five Minutes or Less

Feel like you’re a prisoner to high-priced car insurance? Trust us, there are many people just like you.

You have multiple car insurance companies to pick from and although it’s a good thing to have multiple companies, it can be more difficult to find the lowest rates.

Finding the best rates is easy if you know what you’re doing. If you currently have a car insurance policy, you will most likely be able to cut costs considerably using this information. Nevertheless, drivers do need to understand the way insurance companies price online insurance and apply this information to your search.

Ford Focus Insurance Comparison

There are several ways to compare car insurance prices but one way is less time-consuming than others. You can spend countless hours discussing policy coverages with agents in your area, or you can stay home and use online quoting to get the quickest rates.

All the larger companies belong to an insurance system where insurance shoppers enter their policy data once, and every company then returns a price quote determined by their information. This system prevents you from having to do form submissions to each individual car insurance company.

To enter your information into the quoting system, click here to start a free quote.

The only drawback to pricing coverage this way is you are unable to specify which carriers to receive prices from. If you wish to select from a list of companies to compare we put together a list of the cheapest car insurance companies in your area.

View list of insurance companies near you

Which method you use is up to you, but make darn sure you compare identical information for each comparison quote. If you are comparing higher or lower deductibles it’s not possible to determine the best price for your Ford Focus. Having just a slight variation in coverages may cause a big price difference. And when quoting car insurance, remember that obtaining a wide range of quotes provides better odds of getting the best price.

Discounts can save BIG

Companies that sell car insurance do not list all available discounts very clearly, so we researched both well-publicized and the harder-to-find ways to save on car insurance.

• Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use their safety belts can save 10% or more off your PIP or medical payments premium.
• Driver Safety – Successfully completing a course in driver safety could possibly earn you a 5% discount if you qualify.
• Paperless Signup – A few companies will discount your bill up to fifty bucks for buying your policy over the internet.
• No Charge for an Accident – Certain companies will allow you to have one accident before your rates go up so long as you haven’t had any claims for a set time period.
• No Claims – Drivers with accident-free driving histories pay much less when compared with drivers who are more careless.
• Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
• Auto/Life Discount – Companies who offer life insurance give a discount if you purchase life insurance.
• Discount for Good Grades – Performing well in school can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
• Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.
• Payment Method – If paying your policy premium upfront instead of monthly or quarterly installments you could save 5% or more.
• Early Switch Discount – Select companies give a discount for switching policies prior to your current policy expiring. It’s a savings of about 10%.
• Military Discounts – Having a family member in the military may qualify for rate reductions.

As a disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. So when it seems like it’s possible to get free car insurance, car insurance companies aren’t that generous.

Do drivers who switch really save?

21st Century, Allstate and State Farm continually stream ads on television and other media. All the companies make the same claim about savings after switching your policy. How does each company make almost identical claims? This is how they do it.

Insurance companies are able to cherry pick for the right customer that earns them a profit. For instance, a profitable customer could possibly be between 30 and 50, insures multiple vehicles, and drives newer vehicles. A customer getting a price quote who matches those parameters gets the lowest rates and as a result will probably save when switching.

Drivers who don’t measure up to these standards must pay a higher premium which leads to the driver buying from a lower-cost company. Company advertisements say “drivers who switch” not “everybody who quotes” save that kind of money. That’s the way companies can truthfully advertise the savings. This illustrates why you absolutely need to get quotes from several different companies. You cannot predict the company that will provide you with the cheapest rates.

One last thing

We just showed you many ways to shop for Ford Focus insurance online. The most important thing to understand is the more rate quotes you have, the higher your chance of finding lower rates. You may be surprised to find that the best prices are with some of the lesser-known companies. These companies may have significantly lower rates on certain market segments than the large multi-state companies such as State Farm, GEICO and Nationwide.

When trying to cut insurance costs, make sure you don’t skimp on critical coverages to save a buck or two. In many instances, consumers will sacrifice physical damage coverage only to regret that they should have had better coverage. Your aim should be to purchase plenty of coverage for the lowest price while not skimping on critical coverages.