Lower Your 2003 Ford Focus Insurance Rates

Searching for better car insurance rates? Consumers have many options when looking for affordable Ford Focus insurance. They can either spend hours struggling with agents getting price quotes or utilize the internet to find the lowest rates.

There is a better way to buy car insurance so you’re going to learn the best way to get price quotes for your Ford and obtain the lowest price from local insurance agents and online providers.

Consumers need to shop coverage around before your policy renews since rates change quite often. Even if you think you had the best deal for Focus coverage on your last policy there is a good chance you can find better rates now. So ignore everything you know about car insurance because I’m going to teach you the things you must know in order to lower your annual insurance bill.

The quickest method we recommend to compare rates is to know most of the bigger providers have advanced systems to give rate comparisons. All you need to do is give them rating details like your credit rating estimate, if you went to college, whether the vehicles are used for commuting, and if it has an alarm system. Your insurance information gets sent immediately to multiple insurance coverage providers and they respond with quotes within a short period of time.

To compare rates now, click here and find out if lower rates are available.

Discounts mean cheaper Ford Focus insurance rates

Insurance can be prohibitively expensive, but you can get discounts that you may not even be aware of. Certain discounts will be triggered automatically when you get a quote, but less common discounts must be specifically requested prior to getting the savings. If you’re not getting every credit you deserve, you are paying more than you should be.

  • Distant Student – Children who live away from home without a vehicle on campus can be insured at a reduced rate.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Ford can earn lower rates on the low mileage vehicles.
  • Passive Restraint Discount – Vehicles with factory air bags or automatic seat belts can receive discounts of 20% or more.
  • Student Driver Training – Require your teen driver to take driver’s ed class if it’s offered in school.
  • Claim Free – Drivers who don’t have accidents can earn big discounts as compared to accident-prone drivers.
  • Discount for Swiching Early – Some companies give discounts for signing up before your current expiration date. The savings is around 10%.
  • Memberships – Affiliation with certain professional organizations is a good way to get lower rates on your policy for Focus coverage.
  • Life Insurance – Select insurance companies reward you with a discount if you purchase life insurance from them.
  • Discount for New Cars – Putting insurance coverage on a new car can save up to 30% compared to insuring an older model.
  • Braking Control Discount – Vehicles with anti-lock braking systems are safer to drive and will save you 10% or more.

Consumers should know that most discounts do not apply to all coverage premiums. A few only apply to specific coverage prices like medical payments or collision. So despite the fact that it appears all those discounts means the company will pay you, you won’t be that lucky. Any amount of discount will help reduce your overall premium however.

Car insurance companies that possibly offer these money-saving discounts may include but are not limited to:

Before buying, ask each insurance company how you can save money. All car insurance discounts might not apply in your state.

Tailor your coverage to you

When it comes to buying the best auto insurance coverage for your vehicles, there is no best way to insure your cars. Everyone’s needs are different.

These are some specific questions might help in determining if your situation might need an agent’s assistance.

  • Does my 2003 Ford Focus need full coverage?
  • Can I still get insurance after a DUI?
  • Do I have coverage for damage caused while driving under the influence?
  • When should my teen driver be added to my policy?
  • If my pet gets injured in an accident are they covered?
  • Why am I required to buy liability insurance?
  • How can I get high-risk coverage after a DUI?

If you’re not sure about those questions then you might want to talk to an agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and can provide invaluable advice.

Auto insurance coverage considerations

Having a good grasp of your auto insurance policy aids in choosing the best coverages and proper limits and deductibles. Auto insurance terms can be confusing and coverage can change by endorsement.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Ford Focus.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally the UM/UIM limits are similar to your liability insurance amounts.

Auto liability

Liability coverage will cover damage that occurs to people or other property in an accident. This insurance protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Another option is one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability coverage pays for things like medical expenses, repair costs for stationary objects and loss of income. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like fire damage, damage from getting keyed, a broken windshield and hitting a bird. The maximum amount your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for short-term medical expenses like funeral costs, prosthetic devices, doctor visits and chiropractic care. The coverages can be used in conjunction with a health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Collision coverage

This will pay to fix damage to your Focus from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as damaging your car on a curb, colliding with a tree, colliding with another moving vehicle and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.