Cheapest Insurance Quotes for a Ford Focus in Tennessee

The likelihood of finding cheap coverage for a Ford Focus in Tennessee is contingent on lots of different rating factors like miles driven annually, the size of your vehicle, and the level of deductible you choose. Tennessee drivers pay around $1,130 per year to buy Ford Focus insurance, but that cost is an estimate assuming a 40-year-old single female with full physical damage coverage and $100 deductibles.

Chances are good that you are not 40 and possibly not even female, you might be married instead of single, or maybe you had a chargeable driving offense. Even a slight difference in price quote data can lead to a significant difference in quoted rates.

Not everyone needs the same coverages, so the way we recommend to find the cheapest coverage for your Ford is to shop around at every renewal for lower rates.

Find Cheaper Ford Focus Insurance

The trim level of your vehicle will likely have an effect on the insurance rate, so the price you will be charged to insure a Focus S 4-Dr Sedan model will be $186 lower than the price to insure the higher-end Focus SES 2-Dr Coupe version, as shown in the chart below.

Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Tennessee minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Prices do not factor in garaging location in Tennessee which can revise premiums significantly.

Choosing the highest-rated insurer can be a challenge considering how many different companies there are to choose from in Tennessee. The company information in the next section can help you decide which companies you want to consider putting your business with.

The rankings below are only made up of companies that insure vehicles nationwide, so companies that have a smaller presence will not be included in these rankings. To compare rates from these and other companies in Tennessee, follow this link.

Discount Tennessee car insurance

Car insurance companies that offer the cheapest insurance for a Ford Focus in Tennessee may have policy discounts that may potentially lower prices by as much as 30% if you meet certain criteria. Companies and a summarized list of policyholder discounts are detailed below.

• Travelers offers discounts including save driver, driver training, payment discounts, home ownership, continuous insurance, and hybrid/electric vehicle.
• 21st Century discounts include defensive driver, air bags, 55 and older, homeowners, automatic seat belts, early bird, and driver training.
• State Farm may include discounts for student away at school, multiple policy, passive restraint, Steer Clear safe driver discount, good student, and Drive Safe & Save.
• GEICO policyholders can earn discounts including daytime running lights, anti-lock brakes, five-year accident-free, membership and employees, and air bags.
• SAFECO has discounts for bundle discounts, anti-lock brakes, teen safety rewards, drive less, teen safe driver, and multi-car.
• AAA may offer discounts for multi-car, good student, pay-in-full, anti-theft, good driver, and education and occupation.

The diagram below shows the comparison of insurance premiums with and without discounts applied. Data assumes a male driver, no claims, a clean driving record, Tennessee state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with homeowner, multiple vehicle, claim-free, passive restraint, multiple policy, and vehicle safety discounts applied. When drivers qualify for the discounts, the average amount saved each year on car insurance for a Ford Focus is 28% or $507.

Does it make sense to buy full coverage?

Finding the cheapest insurance for a Ford Focus in Tennessee is the goal of most people, and one way to reduce the cost of insurance is to not pay for full coverage. The chart below shows the difference between insurance costs when comparing full coverage to liability only. The information is based on no claims or driving violations, $1,000 deductibles, marital status is single, and no discounts are applied to the premium.

On average, physical damage coverage on your policy costs $1,493 per year over and above liability coverage. That is a significant amount which raises the question if paying for full coverage is a waste of money. There is no definitive formula of when to phase out physical damage coverage on your policy, but there is a guideline you can use. If the yearly cost for physical damage coverage is more than 10% of the vehicle’s replacement cost less your deductible, then it might be time to buy liability only.

For example, let’s assume your vehicle’s claim settlement value is $6,500 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would receive is $5,500 after paying your deductible. If you are paying more than $550 a year for full coverage, then it may be the right time to buy liability only.

There are a few cases where only buying liability is not financially feasible. If you haven’t paid off your loan, you have to keep full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should not remove full coverage.

Best cheap Ford Focus insurance quotes

You have a lot of ways to shop for and buy car insurance in Tennessee, but the three most common methods are using an exlusive agent such as State Farm or Allstate, a non-exclusive or independent agent, or direct either online or via phone.

You can use whichever method you prefer, but they differ slightly in how they price policies.

Independent agencies work for many companies and can get policy pricing from every one. These types of agents have the option to give you more rate choices, which can give you a better chance of finding cheaper coverage. If premiums increase, your policy can be moved and you won’t have to switch agencies.

An exlusive, or captive, agency is usually restricted to one insurance company, two of the more popular are an Auto-Owners or State Farm agent. They usually cannot provide rates from more than one company, so they are skilled at selling on more than just price.

The third popular method of shopping for car insurance is direct, which means you forego an exlusive or independent agent and instead buy buying direct from a company like Progressive or Esurance. This option may be the best choice consumers who do not need advice for risk management and understand how their policy works.

So what is the best way for finding the cheapest insurance for a Ford Focus in Tennessee? We would first guess that shopping direct yields the cheapest rates because you bypass the middleman, but that turns out to not be true. We’d also like to say using an independent agent results in the cheapest rates because they can quote many companies, but that idea is not necessarily true either. And occasionally, exclusive agents have coverage prices that other car insurance companies cannot touch.

Since car insurance companies use so many rating factors, really the only way to ensure you are not overpaying is to compare rate quotes from as many companies as possible. The ideal approach is to get rate quotes from all three in order to have the best selection to choose from. To see some of the cheapest online companies available, click here to view.

How to get the cheapest insurance for a Ford Focus in Tennessee

Below you’ll find some of the better money-saving ideas that can help drivers quote low-cost coverage.

• Improve your credit rating
• At-fault accidents can raise rates significantly
• Vehicles with good safety ratings have lower liability rates
• Older vehicles may not need full coverage
• Buying car and homeowners insurance together can save money
• Keep rates low by comparing prices once a year

That final tip is highly vital, as was affirmed in this piece. Coverage prices can be adjusted at any time, so don’t be afraid to switch carriers if a lower-cost policy is available.

Staying with the same car insurance company is fine, but we do not recommend it if that faithfulness ends up costing you thousands of dollars over the life of your policy. Now is a great time to shop around and find cheaper auto insurance for a Ford Focus.

State Farm, Geico, Progressive, and Allstate: Who is cheapest?

When comparing rates for insurance for a Focus in Tennessee, the first places to look would be State Farm, Geico, Progressive, and Allstate. All four offer physical damage and liability coverage, but each has different features and discounts that shoppers can choose from. The table below breaks down ratings and policy coverage options that are available from each company.