Best Cheap Insurance for a Ford Focus in Nebraska

Whenever people write about car insurance, the word affordable should not be used anywhere in the article to describe car insurance prices. Despite the oxymoron, cheap car insurance for a Ford Focus is pretty hard to find. Don’t let that spoil your day, because we will teach you how you can get coverage that is cheaper than what you are paying now.

Your chances of buying affordable car insurance for a Ford Focus in Nebraska hinges on an enormous amount of factors such as how many years you have been driving, if you have ever let your coverage lapse, and deductible levels for physical damage coverage. Drivers in Nebraska pay an average rate of $720 annually to insure a Ford Focus, but that price is an estimation calculated using a 50-year-old married male that purchased full comprehensive and collision coverage and $500 policy deductibles.

There is a high likelihood that you are not a 50-year-old male, possibly single instead of married, or you need different physical damage deductibles. This shows why the only way to find the cheapest rates for your Ford is to take your time and compare rates from as many companies as possible.

Compare Ford Focus Insurance Rates

Vehicle trim level will most likely have an effect on the cost of coverage, so the price you will pay to insure a Focus S 4-Dr Sedan model will be $118 lower than the price to insure the more costly Focus SES 2-Dr Coupe trim level, as shown in the table below.

Data rating is based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Price information does not factor in zip code location which can modify coverage rates significantly.

Establishing which insurers offer the best car insurance rates for a Ford Focus will take more work in order to find the lowest price.

Every insurance company has a different process for determining rates in each state, so let’s look at the rankings for the car insurance companies with the overall cheapest rates in Nebraska. We do need to point out that Nebraska car insurance rates are influenced by many factors that can increase the cost of your policy. Simply having another birthday, getting married, or getting into an accident can trigger price changes resulting in some rates now being more affordable than the competition.

Best Insurance Companies for Your Focus

Click Here to Start Your Quote

Safeco normally has some of the cheapest car insurance rates in Nebraska at around $788 each year. The Hartford, Auto-Owners, Allied, and Farm Bureau Mutual are also some of the cheapest Nebraska insurance companies.

As shown above, if you are insured with Farm Bureau Mutual and switched to The Hartford, you might see savings of in the neighborhood of $151. Insureds with Farmers Mutual of Nebraska might save as much as $170 a year, and Nationwide policyholders might realize rate reductions of up to $188 a year.

Remember that these estimates are averages across all drivers and vehicles and do not factor in a specific rate value for a Ford Focus. So the car insurance company that is best for you may not even be in the company chart above. That is why you need to quote rates from many companies using your own specific driver information and vehicle.

How to get discounts on Nebraska auto insurance rates

Insurance companies that sell the best cheap insurance for a Ford Focus in Nebraska may also provide premium discounts that could reduce prices by as much as 25% or more if you are eligible to receive them. The best car insurance companies and some of the discounts include:

The example below visualizes the comparison of auto insurance rates with and without policy discounts. The data assumes a female driver, no claims or driving violations, Nebraska state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.

The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with defensive driving course, homeowner, safe-driver, claim-free, passive restraint, and multiple policy discounts applied. When drivers qualify for the discounts, the average savings per year on car insurance for a Ford Focus is % or $.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 2213,1589],[‘Age 30’, 1481,1069],[‘Age 40’, 1387,1001],[‘Age 50’, 1213,877],[‘Age 60’, 1175,849],[‘Age 70’, 1395,1001]]);var options = {title: ‘Effect of Discounts on Insurance Rates for a Ford Focus’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Insurance Cost for a Ford Focus’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

What aren’t you shopping around?

Nebraska car insurance rates are calculated based on many things that may substantially change the policy price. Improving your credit score, having a teenage driver, or getting a DUI can trigger changes in premium that can now make some companies cheaper than competitors. Also, insurance companies change the rates they charge in Nebraska without warning in order to be able to pay unexpected claims. Unexpectedly high claims can cause a rate increase, while profitable underwriting may produce cheaper Focus insurance rates.

For example, the data below shows the company with the cheapest car insurance in Nebraska for a 35-year-old female driver with no accidents, a clean driving record, and great credit. If we estimate rates based on her current situation, Safeco quotes the lowest car insurance rates in Nebraska at $812 per year. This is $504 less than the average policy premium paid by Nebraska drivers of $1,316. The Hartford, Auto-Owners, Allied, and Farm Bureau Mutual are also included in the cheapest Nebraska auto insurance companies.

google.charts.setOnLoadCallback(drawNEWitcqcibChart);function drawNEWitcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘Safeco’, 812, ‘#5E9216’],[‘The Hartford’, 847, ‘#4E7912’],[‘Auto-Owners’, 896, ‘#41640F’],[‘Allied’, 911, ‘#36530C’],[‘Farm Bureau Mutual’, 980, ‘#2D450A’]]);var options = {title: ‘Best Cheap Car Insurance for a Ford Focus’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1080,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwitc’));chart.draw(view, options);}

In the next rate comparison, we’ll give the driver in the first example an accident surcharge, a lower credit rating, and a speeding ticket. Because each insurer has their own unique process for determining rates, analyzing rate quotes may result in a slightly different list of affordable companies as shown below.

google.charts.setOnLoadCallback(drawNEWcqcibChart);function drawNEWcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘Farmers Mutual of Nebraska’, 1109.9, ‘#F57E00’],[‘American National’, 1159.4, ‘#CC6900’],[‘State Farm’, 1171.5, ‘#AA5700’],[‘General Casualty’, 1237.5, ‘#8D4800’],[‘USAA’, 1240.8, ‘#753C00’]]);var options = {title: ‘Car Insurance Rates with Claims and Violations’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 300,’chartArea’:{left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1340.8,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwc’));chart.draw(view, options);}

Farmers Mutual of Nebraska now has the cheapest price in Nebraska with American National, State Farm, General Casualty, and USAA now rounding out the top five. This shows why it is critical to take the time to shop around to find the most budget-friendly car insurance quotes for a Ford Focus. Rates are impacted by many factors and can decrease or increase without notice, so the best company when you last compared rates may now be wasting a lot of money.

How to get the best cheap insurance for a Ford Focus in Nebraska

It’s not impossible to find cheaper rates, and here are some of the better penny-pinching suggestions that can help drivers find the cheapest coverage.

• Maintaining good credit helps earn cheaper rates
• Choose a safer vehicle and pay lower rates
• Don’t waste money on full coverage for older vehicles
• Avoid at-fault accidents and claims
• Insure your home and auto with the same company
• Look for cheaper rates once a year by shopping around

That last tip is certainly valuable, as we noted in this article. Prices charged by car insurance companies fluctuate constantly, so don’t be hesitant to buy from a different company if a better deal can be had.

We understand brand loyalty, but it isn’t a good idea if that loyalty results in overpaying money that could be used for better things. It only take a few minutes to shop around to find cheaper car insurance for a Ford Focus.