Who Has Cheap Insurance Quotes for a Ford Focus in Wyoming?

Who Has Cheap Insurance Quotes for a Ford Focus in Wyoming?

Whenever people write about car insurance, the word “cheap” really shouldn’t be used anywhere to describe car insurance rates. Regardless, cheap auto insurance for a Ford Focus is pretty hard to find. But don’t let us ruin your dream, because there may be ways you can still find coverage that is affordable.

The chances of buying cheap coverage for a Ford Focus in Wyoming is dependent upon a lot of factors such as whether you are married, whether you have good credit, and physical damage deductibles. Wyoming drivers will pay around $1,160 a year to buy insurance for a Ford Focus, but that price is an estimate that uses rate data for a 40-year-old married male who requires full coverage and $100 physical damage deductibles.

There is a high likelihood that you are not 40 and maybe not even a male, maybe you are single instead of married, and there is a good chance that you need different coverage limits than the exampe. Insurance is an individual thing, so the only way to find cheap insurance rates for your Ford is to get into the habit of shopping around regularly.

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The trim level of your Ford will be a contributing factor to the annual cost of coverage, so the price you will be charged to insure a Focus S 4-Dr Sedan will be $192 less expensive the cost to insure the high end Focus SES 2-Dr Coupe version, as shown in the prices below.

Ford Focus Insurance Rates in Wyoming
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $244 $512 $370 $22 $110 $1,258 $105
Focus SE 4-Dr Sedan $244 $512 $370 $22 $110 $1,258 $105
Focus SEL 4-Dr Sedan $244 $604 $370 $22 $110 $1,350 $113
Focus SES 4-Dr Sedan $244 $604 $370 $22 $110 $1,350 $113
Focus SE 2-Dr Coupe $280 $604 $418 $24 $124 $1,450 $121
Focus SES 2-Dr Coupe $280 $604 $418 $24 $124 $1,450 $121
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Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Wyoming minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Prices do not factor in specific zip code location which can impact coverage prices considerably.

Picking a high-quality insurance company is hard considering how many companies provide coverage in Wyoming. The company ratings shown next could help you select which providers to look at shopping prices with. These ratings are for the largest auto insurers in America, so smaller regional companies will not be included in the list.

Top Car Insurance Companies for a Ford Focus
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Progressive 84 91 93 87% A+ 89.5
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
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Data Source: Insure.com Best Car Insurance Companies

Full coverage rates compared to liability-only

Finding cheap insurance for a Ford Focus in Wyoming is probably important to the majority of people, and one common way to pay less for insurance is to only buy liability insurance. The chart below shows the difference between insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The prices are based on a clean driving record, no claims, $100 deductibles, drivers are single, and no other discounts are factored in.

If we average the cost for ages 20 through 70, comprehensive and collision coverage on your policy costs $2,386 per year more than just buying liability only. That is a significant amount which raises the question when is the right time to remove full coverage. There is no definitive guideline to exclude full coverage on your policy, but there is a general guideline. If the yearly cost of comp and collision coverage is 10% or more of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.

For example, let’s assume your vehicle’s claim settlement value is $6,500 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company would pay you is $5,500 after paying the physical damage deductible. If it’s costing in excess of $550 a year to have full coverage, the it may be a good time to stop paying for full coverage.

There are some situations where removing full coverage is not advised. If you have an outstanding loan on your vehicle, you have to maintain full coverage in order to keep the loan. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should keep full coverage on your policy.

Ideas to find economical auto insurance for a Ford Focus

Lowering your rates is not difficult, and here are a few thrifty ideas that can help drivers locate lower-cost car insurance.

  • Do not waste money insuring older vehicles for full coverage
  • Buy a vehicle with excellent safety ratings
  • Buying your home and auto policies from the same company can earn a discount
  • Avoid accidents
  • Save money by staying claim-free
  • Do not get tickets
  • Comparison shop frequently

That last piece of advice is extraordinarily critical, as we stressed in the prior article. Rates in Wyoming change a lot, so don’t be tentative to change insurance companies if a cheaper rate is available. Many drivers prefer to stick with one company, but it’s not a great idea if it’s costing you a wad of cash every year. Spend a few minutes and shop around and find cheaper car insurance for a Ford Focus.