How Much are Insurance Quotes for a Ford Focus in Massachusetts?

Our editors have a joke that when writing about auto insurance, the words “affordable” or “cheap” should not be used as a descriptor for auto insurance rates. Despite the oxymoron, cheap auto insurance for a Ford Focus can be extremely hard to find. But don’t despair, because there may be ways you can still get insurance that won’t break your budget.

Buying cheap car insurance for a Ford Focus in Massachusetts relies on a lot of different factors such as whether you are a homeower, if you have a tendancy to file claims, and if you have tickets or violations. Drivers in Massachusetts pay approximately $1,150 each year to buy insurance for a Ford Focus, but that cost is a ballpark figure using a 30-year-old single female that included full coverage including both comprehensive and collision and $500 deductibles.

Odds are that you are not a 30-year-old female, possibly married instead of single, or maybe you had a chargeable driving offense. Everone’s needs are different, and this illustrates why the best way to find the cheapest insurance price for your Ford is to make a habit of regularly comparing rates from other companies. It only takes a couple of minutes and you will get price quotes from some of the best insurers that insure vehicles in Massachusetts.

View Ford Focus Insurance Rates

Your vehicle’s trim level has an effect on the yearly cost, so the rate you will pay to insure a Focus S 4-Dr Sedan will be $184 cheaper than the insurance cost for the high end Focus SES 2-Dr Coupe version, as shown below.

Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Price estimates do not factor in zip code location which can raise or lower rates considerably.

Finding the highest-rated car insurance provider is hard considering how many companies there are in Massachusetts. The company information listed below could help you analyze which providers you want to consider when shopping car insurance rates for a Ford Focus. These ratings only include companies that insure vehicles nationwide, so companies without a large exposure are not included in this list.

Types of discounts on Massachusetts auto insurance rates

Car insurance companies that provide cheap insurance for a Ford Focus in Massachusetts could also offer policy discounts that could potentially reduce rates by 40% or more if you can meet the requirements. The best auto insurance companies and a partial list of their discounts are shown below.

• State Farm offers discounts for Drive Safe & Save, safe vehicle, driver’s education, student away at school, good student, and accident-free.
• American Family policyholders can earn discounts including air bags, Steer into Savings, good student, early bird, defensive driver, good driver, and mySafetyValet.
• GEICO may include discounts for seat belt use, membership and employees, good student, anti-lock brakes, multi-policy, emergency military deployment, and daytime running lights.
• 21st Century may offer discounts for theft prevention, air bags, good student, student driver, and defensive driver.
• Progressive has savings for online signing, continuous coverage, good student, multi-policy, homeowner, multi-vehicle, and online quote discount.

The example below shows the comparison of insurance premiums with and without policy discounts. The prices are based on a female driver, no tickets, no at-fault accidents, Massachusetts state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with homeowner, vehicle safety, claim-free, marriage, passive restraint, and defensive driving course discounts applied. When these discounts are applied to the policy premium, the the average amount saved on auto insurance for a Ford Focus is 28% or $575.

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Liability rates compared to full coverage

Finding cheap insurance for a Ford Focus in Massachusetts is important to most vehicle owners, and an easy way to save on the cost of insurance is to only pay for liability coverage. The diagram below illustrates the comparison of insurance costs with and without full coverage. The prices are based on no tickets, no at-fault accidents, $1,000 deductibles, single marital status, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $1,000 Deductibles’, ‘Liability Only’],[‘Age 20’, 2789,1187],[‘Age 30’, 1457,653],[‘Age 40’, 1423,605],[‘Age 50’, 1303,567],[‘Age 60’, 1265,557],[‘Age 70’, 1579,743]]);var options = {title: ‘Comparison of Full Coverage and Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Ford Focus in Massachusetts’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

If we average the cost for ages 20 through 70, comp and collision coverage costs $1,636 per year over and above liability only. That is a large expense which might make you wonder when is the right time to remove full coverage. There isn’t a steadfast formula for phasing out full coverage, but there is a guideline you can consider. If the yearly cost for physical damage coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.

Cheapest Ford Focus insurance quotes

Consumers have many ways to quote cheap auto insurance rates in Massachusetts, but the most prevalent methods are through a non-exclusive or independent agent, a captive (or exclusive) agent such as State Farm or Liberty Mutual, or buying direct from a company like Progressive or Geico.

All three ways are similar, but they are slightly different in how they give price quotes.

Independent agents write business for many companies and can get rate quotes from all of them. Agents of this type do not sell for just one brand and can give you more rates, which may give you improved odds of finding cheaper coverage. If a cheaper rate is found, the business is moved internally and you stay with the same agent.

An exclusive agent is usually just provide rates from a single company, two examples being a Farmers or Allstate agent. Exclusive agents cannot give you multiple price quotes, so it’s a good idea to get additional quotes.

Drivers who opt to buy auto insurance direct bypass either of the other two types of agents and instead shop buying direct from a company like Esurance or Progressive. This option is good for drivers who do not need advice for risk management and have an above average understanding of what specific coverages and deductibles they need.

So what is the best way to buy cheap insurance for a Ford Focus in Massachusetts? We wish we could say shopping direct saves the most money since that eliminates agent commissions, but in reality, that is not true. An argument could also be made that buying auto insurance from an independent agent saves the most money since they can provide multiple quotes, but that is not necessarily true either. In the right set of circumstances, exclusive agencies have extremely competitive rates that other auto insurance companies cannot touch.

Since auto insurance prices are based on many different factors, the guaranteed way to get rock-bottom rates is to obtain price quotes and compare them. Money-saving experts recommend you get quotes from all three to have the best rate selection. For a list of companies with cheap rates in Massachusetts, click here to view.