Cheapest Insurance for a Ford Focus in Wisconsin

Whether or not you can find the cheapest coverage for a Ford Focus in Wisconsin depends upon factors like how many years you have been driving, if you have ever let your policy lapse, and any prior driving offenses. Drivers will pay around $730 per year to insure their Focus, but that figure is an approximation that rates a 50-year-old single male driver who requires full comprehensive and collision coverage and $250 physical damage deductibles.

There is a good possibility you are not 50 and possibly not even male, maybe you are married instead of single, or maybe your Focus is an older model. Having different needs demonstrates why the most reliable way to find cheap insurance rates for your Ford is to make a habit of comparing prices at least once a year.

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The specific trim level impacts the cost of coverage, so the rate you will pay to insure a Focus S 4-Dr Sedan model will be $120 cheaper than the price to insure the more costly Focus SES 2-Dr Coupe version, as shown by the rates below.

Table data represents single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Wisconsin minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Price information does not factor in specific location information which can decrease or increase rates considerably.

Determining which companies have the cheapest insurance rates for a Ford Focus will involve a little more work than just comparing rates from one or two companies.

Each insurance company uses a little different formula for setting prices, so let’s rank the insurance companies with the overall best prices in Wisconsin. Keep in mind that Wisconsin insurance rates are impacted by many things that may substantially change the price you have to pay. Getting older, buying a home, or getting into an accident may cause policy rate changes that may make certain companies more affordable than the competition.

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USAA may have some of the best car insurance rates in Wisconsin at around $598 per year. Partners Mutual, Erie, Rockford Mutual, and Rural Mutual Insurance also qualify as some of the more affordable Wisconsin car insurance companies.

In the rate table above, if you are currently insured with Erie and switched to USAA, you might achieve an annual savings of in the vicinity of $119. Policyholders with Rockford Mutual might save as much as $148 a year, and Rural Mutual Insurance policyholders might lower prices by up to $151 a year.

To see how much you can save, click here to start a quote or visit several of the following companies.

Bear in mind that those prices are averages for all drivers and vehicles and do not take into consideration a specific rate value for a Ford Focus. So the company that fits your needs best may not even be shown in the company chart above. That emphasizes why you need to quote rates from many companies using your own individual information.

How careless driving impacts Wisconsin insurance rates

The common sense way to maintain the best insurance premiums in Wisconsin for a Focus is to be a cautious driver and maintain a clean driving record. The illustration below shows how violations and at-fault fender-benders increase annual premium costs for different age groups of insureds. The price estimates are based on a single female driver, comp and collision included, $1,000 deductibles, and no additional discounts are factored in.

In the previous example, the average cost of a car insurance policy in Wisconsin per year with no accidents and a clean driving record is $1,237. Factor in one speeding ticket and the average cost increases to $1,403, an increase of $166 each year. Next add two accidents along with the one speeding ticket and the annual cost of insurance for a Ford Focus jumps again to an average of $2,972. That’s an increase of $1,735, or $145 per month, just for not being more responsible behind the wheel!

You are probably paying too much for Focus insurance

Wisconsin insurance rates are determined by lots of factors that will increase or decrease the cost of having a policy. Simply turning a year older, increasing deductibles, or getting a reckless driving citation can cause premium changes that can now make some companies cheaper in comparison to the competition.

Also, insurers change prices as often as every quarter in order to maintain liquidity for claims. Higher than normal claims may cause increased policy costs, while a lower level of claims can result in cheaper Focus insurance rates.

For example, the bar chart below shows rates for the cheapest car insurance in Wisconsin for a 35-year-old male driver with no prior accidents, a clean driving record, and excellent credit. When quoting prices based on his personal risk profile, USAA may offer the cheapest car insurance rates in Wisconsin at $604 each year. This is $557 less than the average policy premium paid by Wisconsin drivers of $1,161. Partners Mutual, Erie, Rockford Mutual, and Pekin Insurance also make the list of the top five cheapest Wisconsin auto insurance companies.

The example below compares rates after we give the driver in the first example an accident claim, slightly worse credit, and a speeding ticket. Since each company has a different formula for determining rates, analyzing rates will most likely result in a new list of affordable Wisconsin car insurance companies as shown below.

Western National now has the best auto insurance rate in Wisconsin with Rural Mutual Insurance, Integrity Mutual, Travelers, and West Bend Mutual also having competitive pricing. This example proves why it is important to perform a complete rate comparison when trying to get affordable auto insurance rates for a Ford Focus.

Prices are made up of many things and change substantially, so the best company the last time you shopped around may now not even be in the top five.

How to find economical auto insurance for a Ford Focus

The list below summarizes some thrifty solutions that can help you get cheap car insurance.

• Better credit scores save money
• Avoid having at-fault accidents
• Be a safe driver
• Safe vehicles generally have lower rates
• Save money by insuring older vehicles for liability only
• Increase physical damage deductibles
• Check for cheaper rates once a year

The last idea is remarkably valuable, as we discussed in the prior information. Prices charged by auto insurers change constantly, so drivers shouldn’t hesitate to buy a policy from a new company if you can save money. Having brand loyalty is commendable, but it isn’t a good idea if your bullheadedness ends up costing you a wad of cash every year. It only takes a couple minutes to shop around to find cheaper auto insurance for a Ford Focus.