Cheapest Insurance Quotes for a Ford Focus in New Hampshire

Buying affordable car insurance for a Ford Focus in New Hampshire hinges on a complicated rating formula that uses factors like if you have purchased a home, if you are currently insured, and any prior driving citations you have received. New Hampshire drivers on average pay around $910 every 12 months to insure a Focus, but that price is rating a 30-year-old single male driver that included full coverage and $100 policy deductibles.

There is a very good chance that you’re not a 30-year-old male, maybe you are married instead of single, or maybe you need higher liability limits than the state minimum. Having even a minor difference in the criteria used to calculate rates can generate big changes in quoted rates.

Auto insurance is not “one size fits all”, so your best chance at finding the most affordable coverage for your Ford is to just take the time to do a thorough rate comparison. It only takes a couple of minutes and you can get prices from the best auto insurance companies that insure Ford vehicles in New Hampshire.

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The trim level of your Focus tends to have a direct impact on price, so the rate you pay to insure a Focus S 4-Dr Sedan will cost $152 less than the price to insure the more well-appointed Focus SES 2-Dr Coupe trim level, as shown in the table below.

Above prices assume single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and New Hampshire minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Premium costs do not factor in the specific area where the vehicle is garaged which can impact auto insurance rates substantially.

Finding dependable, reasonably-priced insurance is hard enough, and deciding which companies quote the cheapest insurance rates for a Ford Focus will involve even more diligence. Every insurance company has their own unique process for filing rates in each state, so we’ll go over the insurance companies with the overall cheapest rates in New Hampshire.

It’s important to understand that New Hampshire insurance rates are impacted by many factors that control the price of your policy. Taking a driver safety course, getting divorced, or having a fender bender can produce rate changes resulting in some companies being more expensive than others.

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Travelers has some of the cheapest car insurance rates in New Hampshire at around $695 a year. Concord, Patriot, USAA, and Vermont Mutual would also make the list of some of the cheapest New Hampshire insurance companies.

As shown above, if you buy coverage from USAA and switched to Travelers, you could see an annual savings of in the neighborhood of $159. Policyholders with Vermont Mutual could save as much as $169 a year, and Amica customers might reduce rates by $212 a year.

These estimates are averaged for all ages of drivers and types of vehicles and are not factoring in a specific rate factor for a Ford Focus. So the insurer that can offer you the best price may not even be featured in the list above. That points out the importance of why you need to compare rates from multiple companies using your own driver information and specific vehicle type.

Should you buy full coverage?

Finding the cheapest insurance for a Ford Focus in New Hampshire is important to the majority of people, and one way to save on the cost of insurance is to buy liability only. The diagram below illustrates the comparison of insurance rates when comparing full coverage to liability only. The costs are based on no claims or driving citations, $500 deductibles, single status, and no additional discounts are factored in.

As an average, physical damage insurance costs an additional $1,309 per year more than insuring for liability only. Many of you may wonder if physical damage coverage is worth the money. There is no clear-cut rule that is best for determining when to drop comp and collision coverage, but there is a general guideline you can use. If the yearly cost of full coverage is about 10% or more of the replacement cost minus the deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s assume your vehicle’s replacement cost is $10,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $9,000 after paying the physical damage deductible. If you are currently paying more than $900 annually for your policy with full coverage, then you may want to consider only buying liability coverage.

There are some conditions where buying only liability insurance is not financially feasible. If you have an outstanding loan on your vehicle, you have to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should keep full coverage in place.

Discounts on New Hampshire auto insurance

Car insurance companies that offer the cheapest insurance for a Ford Focus in New Hampshire may provide special discounts that could reduce prices by 30% or more if you are eligible to receive them. Companies and their possible discounts can be found below.

• Progressive policyholders can earn discounts including homeowner, online quote discount, online signing, multi-vehicle, and good student.
• MetLife offers premium reductions for defensive driver, accident-free, multi-policy, good driver, and claim-free.
• Mercury Insurance offers discounts including multi-policy, age of vehicle, good student, professional/association, ease of repair, low natural disaster claims, and type of vehicle.
• Nationwide may have discounts that include anti-theft, multi-policy, family plan, good student, Farm Bureau membership, and defensive driving.
• GEICO has savings for multi-policy, daytime running lights, anti-theft, defensive driver, driver training, good student, and five-year accident-free.
• AAA discounts include anti-theft, AAA membership discount, multi-policy, education and occupation, and good driver.

The chart below shows the difference between annual premium costs with and without discounts applied to the premium. The rates are based on a female driver, no driving violations, no at-fault accidents, New Hampshire state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with multiple policy, multiple vehicle, vehicle safety, safe-driver, anti-theft, and passive restraint discounts applied. When drivers qualify for the discounts, the the average amount saved on insurance for a Ford Focus is 28% or $439.

Best rates: Geico, Allstate, State Farm, or Progressive

If you are shopping around for car insurance, four good companies to start with are Geico, Allstate, State Farm, and Progressive. When combined, they insure over 45% of all auto insurance written. The next table rates ratings and policy coverage options shoppers can find with each company.

Who has the cheapest Ford Focus insurance quotes?

Thanks to the internet, there are a lot of ways to find affordable insurance in New Hampshire, but the most preferred ways are using a non-exclusive or independent agent, an exclusive agency such as Liberty Mutual or State Farm, or from a direct company like Progressive.

All three ways can provide insurance quotes, but buyers should know the differences in how they price policies.

Independent insurance agents write for multiple companies and can get rate quotes from each one. These types of agencies are able to quote rates with many companies, which can give you improved odds of finding cheaper coverage. If prices rise, your agent can switch companies and you don’t have to find a new agent.

An exclusive agent is only able to write with just one company, two of the more popular are Allstate and Liberty Mutual agents. They usually cannot quote rates from more than one company, so it’s a good idea to shop around.

Choosing to buy insurance direct means you bypass a local agent and instead shop buying direct from a company like Geico or Progressive. This option can be good for people who do not need high levels of coverage and know what coverages they need.

What is the best method to buy the cheapest insurance for a Ford Focus in New Hampshire? It would be simple to say shopping direct yields the cheapest rates since there isn’t an agent involved, but unfortunately, that is not always true. It would also be easy to say buying from an independent agent saves the most money since they can provide multiple quotes, but that is not accurate either. In many cases, the exclusive agents have extremely competitive rates that are the cheapest in New Hampshire.

Because there are so many factors that make up insurance rates, the only true way to not overpay for insurance is to get as many comparison quotes as possible. Be sure to get price quotes all three ways to have enough rates to compare. A great place to start is our list of online companies offering discounts: click here to view.