View 2010 Ford Focus Insurance Rates

Expensive insurance can dwindle your bank account and put the squeeze on your family’s finances. Doing a price comparison is free, only takes a few minutes, and is a good way to lower your monthly bill. Because you have many companies to choose from, it’s nearly impossible to pick the best insurance company.

Finding the best rates is not that difficult. If you have a policy now or are just looking to switch companies, you will benefit by learning to find better prices while maintaining coverages. Drivers only need to know the tricks to shop online.

The fastest way that we advise to compare policy rates takes advantage of the fact almost all companies allow for online access to compare rate quotes. The only thing you need to do is give the companies some data like whether you have decent credit, if a SR-22 is needed, whether you drive to work or school, and the year, make and model of vehicles. Your information is instantly submitted to multiple different insurance companies and they return cost estimate very quickly.

Don’t miss out on these money-saving discounts

Auto insurance companies don’t list all their discounts very clearly, so here is a list both the well known and the harder-to-find auto insurance savings. If you’re not getting every credit possible, you are paying more than you should be.

  • No Accidents – Good drivers with no accidents pay much less when compared to drivers who are more careless.
  • Senior Citizens – Mature drivers may qualify for better auto insurance rates on Focus coverage.
  • Memberships – Affiliation with a civic or occupational organization could trigger savings when buying auto insurance on Focus coverage.
  • Early Switch Discount – Some insurance companies reward drivers for buying a policy before your current policy expires. It’s a savings of about 10%.
  • Theft Prevention System – Anti-theft and alarm systems help deter theft and earn discounts up to 10%.

As a disclaimer on discounts, most discounts do not apply to the overall cost of the policy. Some only apply to individual premiums such as comprehensive or collision. So despite the fact that it appears you could get a free auto insurance policy, companies don’t profit that way.

A partial list of companies that may offer these money-saving discounts include:

Before buying, ask each company which discounts you may be entitled to. Discounts may not apply in every state.

Factors influencing Ford Focus insurance rates

An important part of buying insurance is that you know some of the elements that help determine the rates you pay for auto insurance. Having a good understanding of what determines base rates enables informed choices that will entitle you to much lower annual insurance costs.

  • Don’t sacrifice liability coverage – The liability section of your policy is the protection if you are found liable for damages from an accident. It provides legal defense coverage starting from day one. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not skimp.
  • Low deductibles can be expensive – Deductibles for physical damage define the amount you are required to spend before your auto insurance pays a claim. Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Some instances where coverage would apply would be running into the backend of another car, damage caused by hail, or theft. The more you are required to pay out-of-pocket, the bigger discount you will receive on Focus coverage.
  • Do men or women drive better? – The statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that women are better drivers. Women and men cause accidents in similar numbers, but the men cause more damage. Men also statistically get more serious tickets such as DWI and reckless driving. Young males tend to get in the most accidents and therefore have the most expensive auto insurance rates.
  • Extra add-on coverages are wasting money – There are a lot of extra coverages that you can get tricked into buying if you aren’t careful. Insurance for vanishing deductibles, accidental death and membership fees may be wasting your money. These may sound like a good investment initially, but your needs may have changed so eliminate the coverages to reduce your premium.
  • Optional equipment can affect rates – Purchasing a vehicle with a theft deterrent system can get you a discount on your auto insurance. Anti-theft devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping auto theft.
  • With age comes lower rates – Young drivers are known to be more careless when driving so auto insurance rates are higher. Parents adding a teenage driver onto your auto insurance can be very expensive. More mature drivers are viewed as being more responsible, statistically cause fewer accidents and receive fewer citations.
  • Discounts for married couples – Getting married actually saves money on your policy. It means you’re more responsible and it’s proven that married drivers get in fewer accidents.
  • Do you work long hours in a high stress job? – Jobs such as real estate brokers, executives and accountants are shown to have higher rates than average due to high stress levels and lengthy work days. On the flip side, occupations like scientists, athletes and the unemployed pay the least on Focus coverage.

Do I need special coverages?

When it comes to choosing the best insurance coverage coverage, there is no best way to insure your cars. Every insured’s situation is different and a cookie cutter policy won’t apply. For instance, these questions can aid in determining whether your personal situation will benefit from professional help.

  • Do I have coverage for damage caused while driving under the influence?
  • When should I remove comp and collision on my 2010 Ford Focus?
  • Should I rate my 2010 Ford Focus as pleasure use or commute?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Am I covered when using my vehicle for business?
  • Where can I find high-risk insurance?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, free and can provide invaluable advice.

The fine print in insurance ads

Consumers get pounded daily by advertisements for car insurance savings from companies such as Progressive, GEICO, Allstate and State Farm. They all seem to have a common claim about savings after switching your policy.

But how can every company make almost identical claims? This is how they do it.

All companies are able to cherry pick for the type of driver that is profitable for them. For example, a driver they prefer could possibly be between the ages of 30 and 50, has no tickets, and has excellent credit. A customer who matches those parameters receives the best rates and therefore will cut their rates substantially.

Drivers who don’t qualify for the requirements will be quoted higher premiums which usually ends up with the customer not buying. Company advertisements say “customers who switch” not “everybody who quotes” save that much. That’s the way insurance companies can confidently state the savings. This emphasizes why you need to quote coverage with many companies. Because you never know which insurance companies will have the lowest Ford Focus insurance rates.

Auto insurance 101

Understanding the coverages of your policy can help you determine which coverages you need at the best deductibles and correct limits. Insurance terms can be difficult to understand and reading a policy is terribly boring. These are the normal coverages available from insurance companies.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as falling objects, damage from getting keyed, hitting a deer, hitting a bird and fire damage. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage

This gives you protection when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Ford Focus.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Collision coverage protection

This coverage pays for damage to your Focus caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like rolling your car, colliding with a tree, crashing into a ditch, scraping a guard rail and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for bills such as pain medications, doctor visits and funeral costs. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Liability car insurance

Liability coverage can cover damage or injury you incur to a person or their property in an accident. This insurance protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability can pay for claims like repair costs for stationary objects, emergency aid, court costs and bail bonds. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Final thoughts

You just read quite a bit of information on how to reduce 2010 Ford Focus insurance prices online. The most important thing to understand is the more providers you compare, the better likelihood of reducing your rate. You may even discover the lowest priced car insurance comes from some of the lesser-known companies. These smaller insurers may cover specific market segments cheaper as compared to the big name companies such as Allstate and Progressive.

Lower-priced insurance is possible from both online companies and also from your neighborhood agents, so compare prices from both to have the best rate selection. A few companies may not provide online price quotes and many times these small insurance companies only sell through independent insurance agents.

Even more information can be found by following these links: