Cheapest Insurance for a Ford Focus in New Jersey

When discussing auto insurance, the word “cheap” really should not be used as a descriptor for auto insurance rates. Forgive the oxymoron, but cheap car insurance for a Ford Focus just does not exist. Don’t let that bother you, though, because there may be ways you can find and buy coverage that works with your budget.

Your chances of finding the cheapest auto insurance for a Ford Focus in New Jersey is contingent on a complicated rating formula that uses factors like how far you commute, if you have a lapse in coverage, and your policy deductibles. New Jersey drivers on average will pay $1,530 each year to buy insurance for a Ford Focus, but that amount is an estimate that rates a 50-year-old single male driver who needs full coverage including both comprehensive and collision and $250 physical damage deductibles.

But there is a high likelihood that you are not a 50-year-old male, you might be married instead of single, or you just prefer to insure for liability only. There is no one cookie-cutter policy that works for everyone, so your best shot at finding the most affordable coverage for your Ford is to put in the effort and compare rates. It takes less than five minutes and you will be able to compare rates from the cheapest companies in New Jersey.

Save Now on Focus Insurance

The specific model of Focus tends to have a direct effect on the yearly cost, so the cost to insure a Focus S 4-Dr Sedan will be $254 less than the price to insure the higher-end Focus SES 2-Dr Coupe model, as shown in the prices below.

Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and New Jersey minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Information does not factor in specific New Jersey garaging location which can raise or lower auto insurance rates greatly.

Which car insurance company is best in New Jersey?

Buying coverage from a good quality insurance provider is difficult considering how many choices there are in New Jersey. The company information in the next section may help you decide which insurers you want to consider putting your business with. These ratings include insurance companies that insure vehicles in the majority of U.S. states, so companies that only write business in New Jersey or surrounding areas are not included in this list.

Top 10 Major Car Insurance Companies Overall in New Jersey

1. Mercury Insurance
2. The Hartford
3. Progressive
4. Travelers
5. State Farm
6. Farmers Insurance
7. Safeco Insurance
8. USAA
9. GEICO
10. 21st Century

Top 10 Major Car Insurance Companies in New Jersey Ranked by Customer Satisfaction

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

Top Companies for Ford Focus Insurance in New Jersey

How violations and accidents impact rates

The ideal way to receive the most affordable car insurance prices for a Focus is to be an attentive driver and maintain a clean driving record. The chart below shows how traffic citations and accident claims impact car insurance costs for each different age category. The rates are based on a single male driver, full physical damage coverage, $500 deductibles, and no discounts are applied.

The data charted above shows the average cost of an auto insurance policy per year with no violations or accidents is $2,791. Add in two speeding tickets and the average cost swells to $3,696, an increase of $905 each year. Then add two accidents along with the two speeding tickets and the annual cost of car insurance for a Ford Focus jumps again to an average of $7,197. That’s an increase of $4,406, or $367 per month, just for being a little careless behind the wheel!

Should you buy full coverage?

Finding the cheapest insurance for a Ford Focus in New Jersey should be important to most vehicle owners, and one of the quickest ways to save on the cost of insurance is to buy only liability coverage. The illustration below shows the comparison of insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in New Jersey. The data is based on no driving violations, no at-fault accidents, $100 deductibles, drivers are not married, and no discounts are applied.

On average, physical damage insurance costs an additional $3,679 per year more than buying just liability insurance. Many drivers may wonder if buying full coverage is a waste of money. There is no exact rule that is best for determining when to drop comp and collision coverage, but there is a guideline you can consider. If the annual cost of having full coverage is about 10% or more of replacement cost minus your deductible, then you might want to think about dropping full coverage.

Who has the cheapest Ford Focus insurance quotes?

There are quite a few ways to find lower-cost car insurance in New Jersey, but the most frequently used ways are through an exclusive insurance agency like Auto-Owners or State Farm, an independent insurance agent, or from a direct company like Geico or Progressive. All three ways can provide car insurance quotes, but each is different in how they function.

Independent insurance agents work for many companies and can get rate quotes from all of them. They do not work for one specific company and can provide you with more rate quotes, which can help you get improved chances of finding a lower rate. If premiums increase, you can get a different policy which prevents you from having to switch agents.

An agent who is captive is contracted to just one company, two of the more popular are an Auto-Owners or State Farm agent. They are unable to give you multiple price quotes, so if the price isn’t competitive there isn’t much they can do.

The final way is buying direct, which means you bypass an agent and instead shop direct from companies such as Geico or Esurance. Buying direct may be good for consumers who do not need risk management and understand what coverages they need.

Which method works best to buy the cheapest insurance for a Ford Focus in New Jersey? The quick answer would be buying direct yields the cheapest rates because there isn’t an agent involved, but that turns out to not be true. We’d also like to say buying car insurance from an independent agent guarantees the best prices since they can provide multiple quotes, but again, it’s not necessarily true. For the right applicant, exclusive agents have price quotes that are the cheapest.

Because of the variability of car insurance rates, the only real way to buy the cheapest coverage is to compare, compare, and compare some more. Take some time and get rate quotes from all three to have the best rate selection. A great place to start is our list of online companies offering discounts: click here to view.

Ideas for finding more affordable car insurance for a Ford Focus

It’s not impossible to find cheaper rates, and here are some penny-pinching suggestions that can help you quote low-cost coverage.

• Improve your credit
• Violations like speeding or DUI increase rates
• Buy safe vehicles
• Avoid preventable accidents
• Raise your deductibles
• Keep rates low by shopping around frequently

The last tip in the list is notably vital, as we hit on in the prior information. Prices charged by car insurance companies vary greatly, so don’t be unwilling to change insurance companies if a lower-cost policy is available. Having brand loyalty is commendable, but is isn’t recommended if it’s costing you a wad of cash every year. It only take a few minutes to shop around and find cheaper car insurance for a Ford Focus.