Cheap Insurance for a Ford Focus in Maine

The likelihood of finding cheap coverage for a Ford Focus in Maine is dependent upon a calculation that uses factors like how you use your vehicle, if you are a frequent claim filer, and deductible levels for physical damage coverage. Drivers will pay on average $860 a year to insure a Focus, but that figure is an estimation using rate data for a 30-year-old single female with full coverage including both comprehensive and collision and $100 deductibles.

There is a high likelihood that you are not exactly 30 years old and possibly not even female, married instead of single, or maybe you’ve had an at-fault accident or two. Just a minor difference in rating variables can make a huge difference in price quotes.

Not every driver requires the same auto insurance coverages, so the only way to find the cheapest coverage for your Ford is to start the habit of comparing rates at least once a year.

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The specific trim level has an effect on the annual cost of coverage, so the price to insure a Focus S 4-Dr Sedan model will cost $144 less than the insurance cost for the more well-appointed Focus SES 2-Dr Coupe trim level, as shown by the rates below.

Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Maine minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Price information does not factor in specific zip code location which can lower or raise insurance rates substantially.

Ratings for Maine auto insurance companies

Picking the right auto insurance provider is difficult considering how many companies sell insurance in Maine. The information below can help you pick which auto insurers to look at when buying insurance for a Ford Focus. These rankings are for insurance companies that insure vehicles in the majority of U.S. states, so smaller regional companies will not be included in the list.

Top 10 Large Auto Insurance Providers in Maine Ranked by Customer Satisfaction

1. The Hartford – 93%
2. The General – 91%
3. Progressive – 90%
4. 21st Century – 89%
5. State Farm – 87%
6. Travelers – 87%
7. USAA – 87%
8. Safeco Insurance – 86%
9. AAA Insurance – 86%
10. American Family – 85%

Top Companies for Ford Focus Insurance in Maine

The illustration below demonstrates how deductible levels can impact insurance rates when trying to find cheap insurance for a Ford Focus. The rates are based on a single male driver, full physical damage coverage, and no discounts are applied to the premium.

A 40-year-old driver could cut expenses by $194 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $292 by switching to a $1,000 deductible. Young drivers, like the Age 20 category, could reduce their rates $644 each year by choosing a higher deductible. When using a larger deductible, it will be necessary to have enough in a savings account to allow you to pay the extra out-of-pocket expense that deters many people from opting for higher deductibles.

Is State Farm, Allstate, Progressive, or Geico cheaper?

When comparing rates for insurance for a Focus in Maine, four of the best places to start are State Farm, Allstate, Progressive, and Geico. When combined, they have about 50% of the entire U.S. auto insurance market. The table below compares pricing and service ratings, plus some optional coverages offered by each one.

How to get cheap insurance for a Ford Focus in Maine

The list below details a few penny-pinching solutions that can help you quote cheaper auto insurance.

• Higher deductibles save money
• Buying home and auto together can help save money
• If your vehicles are older, consider dropping full coverage
• Good credit can mean cheaper rates
• Buy safe vehicles
• Pay for smaller claims out-of-pocket
• Comparison shop frequently

The final tip is highly important, as was discussed in this write-up. Rates can change significantly in a year, so don’t be tentative to buy a different policy if a cheaper rate is available. Brand loyalty is great, but it’s not a good idea if that loyalty results in overpaying potentially thousands of dollars a year. In just a couple of minutes you could shop around and find cheaper car insurance for a Ford Focus.

Cheapest Ford Focus insurance quotes

Thanks to technology, drivers have a lot of ways to quote auto insurance rates in Maine, but the three most common are through an exlusive agent like State Farm or Auto-Owners, an independent or non-exclusive agent, or from a direct company like Geico. All three ways are similar, but they differ in how they provide rate quotes.

Independent insurance agencies have contracts with many companies and can get policy pricing from each one. These types of agents can quote with many companies and quote rates with many companies, which can give you the best shot at cutting your rates. If cheaper coverage is found, your agent can just switch to a different company and you can keep the same agent.

An agent who is captive is only able to place business with just one company, examples being a State Farm or Allstate agent. They are unable to provide other companys’ prices, so you need to shop around if the rates are high.

Auto insurance from a direct company means you do not use local agents and instead buy from a direct company like Geico or Progressive. Buying direct may be the best choice people who have fewer assets and have knowledge of what coverage options they need.

Out of those three methods, which one works best for finding cheap insurance for a Ford Focus in Maine? Most people would assume that buying from a direct company saves the most money since that prevents the need to pay agent commissions, but unfortunately, it’s not that cut and dried. It could also be said an independent agency results in the cheapest rates since they can provide multiple quotes, but that assumption is also not necessarily accurate. In some circumstances, the exclusive agents may have prices that are well below what direct and independents offer.

Since auto insurance companies use so many rating factors, really the best method to buy the cheapest coverage is to get quotes and compare. Money-saving experts recommend you get prices from all three types to give yourself enough choices. For a list of companies with cheap rates in Maine, click here to view.