2002 Ford Focus Car Insurance Quotes – 6 Tips to Save

Trying to find lower insurance coverage rates for your Ford Focus? Searching for low-cost insurance for a Ford Focus can normally be an all-consuming task, but you can learn our insurance coverage buying tips and make it easy.

There are more efficient ways to find insurance coverage online so we’re going to tell you the best way to compare rates for your Ford and get the best price possible from both online companies and local agents.

It’s a good idea to take a look at other company’s rates occasionally because insurance rates change regularly. Even if you think you had the lowest price on Focus insurance a couple years back you will most likely find a better rate today. So ignore everything you know about insurance coverage because we’re going to show you the best way to find lower rates on insurance coverage.

Best discounts on Ford Focus coverage

Insurance can cost an arm and a leg, but discounts can save money and there are some available that you may not even be aware of. Certain discounts will be applied at the time of purchase, but lesser-known reductions have to be requested specifically prior to receiving the credit. If they aren’t giving you every credit available, you are throwing money away.

  • Payment Discounts – If you pay your bill all at once instead of making monthly payments you can actually save on your bill.
  • Drive Less and Save – Driving fewer miles could be rewarded with better rates on cars that stay parked.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems are safer to drive and earn discounts up to 10%.
  • Homeowners Savings – Being a homeowner can help you save on insurance coverage because of the fact that having a home shows financial diligence.
  • Early Signing – Some insurance companies reward drivers for signing up prior to your current policy expiring. This can save 10% or more.
  • Discount for Good Grades – A discount for being a good student can save 20 to 25%. This discount can apply until age 25.

A little note about advertised discounts, some of the credits will not apply to all coverage premiums. The majority will only reduce individual premiums such as collision or personal injury protection. So when the math indicates all the discounts add up to a free policy, you’re out of luck. Any amount of discount will reduce your overall premium however.

Insurance companies who might offer these money-saving discounts include:

Check with each company which discounts they offer. Savings might not apply in your state.

Free Quotes for Car Insurance

Effectively comparing car insurance prices can take time and effort if you aren’t aware of the fastest way to get free quotes. You can spend your afternoon driving to insurance agencies in your area, or you could use online quotes to get rate comparisons in just a few minutes.

Most major companies participate in a marketplace that allows shoppers to submit their information once, and every company can provide price quotes for coverage. This eliminates the need for repetitive form submissions for each company you want a rate for.

To submit your quote information now, click to open in new window.

The only drawback to using this type of form is that consumers can’t choose which insurance companies you want to price. So if you prefer to choose individual companies to request quotes from, we have assembled a list of car insurance companies in your area. Click here to view list.

It’s your choice how you get your quotes, but double check that you are using the exact same coverage limits and deductibles for each price quote. If each company quotes mixed coverages you can’t possibly decipher which rate is best.

Tailor your coverage to you

When it comes to buying the best insurance coverage for your vehicles, there really is no single plan that fits everyone. Every situation is different.

These are some specific questions can aid in determining whether or not you might need an agent’s assistance.

  • What companies insure drivers after a DUI or DWI?
  • Should I rate my 2002 Ford Focus as pleasure use or commute?
  • Which companies will insure high-risk drivers?
  • Why do I need rental car insurance?
  • Does my policy cover me when driving someone else’s vehicle?
  • Do I need PIP coverage since I have good health insurance?
  • What are the best liability limits?

If you’re not sure about those questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and can help protect your family.

Specific coverage details

Knowing the specifics of your policy helps when choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be confusing and nobody wants to actually read their policy.

Liability coverages

Liability insurance protects you from injuries or damage you cause to other’s property or people. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims such as legal defense fees, attorney fees, bail bonds, court costs and medical services. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Ford Focus.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Normally the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, theft and fire damage. The highest amount your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for collisions

This pays for damage to your Focus from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as driving through your garage door, hitting a mailbox, crashing into a ditch and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for hospital visits, pain medications and chiropractic care. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Don’t throw your cash in the trash

We just showed you quite a bit of information on how to get a better price on 2002 Ford Focus insurance. The most important thing to understand is the more providers you compare, the better your chances of lowering your rates. You may be surprised to find that the best prices are with a small mutual company.

Insureds change insurance companies for any number of reasons including policy non-renewal, delays in responding to claim requests, delays in paying claims or policy cancellation. It doesn’t matter what your reason, switching auto insurance companies can be less work than you think.

Low-cost insurance can be sourced from both online companies in addition to many insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some auto insurance companies do not provide online price quotes and most of the time these regional insurance providers sell through independent agents.

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