View 2013 Ford Focus Insurance Quotes

Finding the lowest cost insurance coverage online can seem to be somewhat difficult for consumers new to online price comaprisons. With so many insurers to choose from, how can drivers even start to compare every company to locate the lowest rates?

You need to get comparison quotes on a regular basis because rates are usually higher with each renewal. If you had the best price on Focus coverage on your last policy you will most likely find a better rate today. So just forget all the misinformation about insurance coverage because it’s time to teach you the best way to save on insurance coverage.

How to Get Cheap Car Insurance

All major car insurance companies provide coverage prices directly from their websites. This process is pretty painless as you simply type in your coverage preferences as detailed in the form. Upon sending the form, the company’s rating system will obtain credit information and your driving record and returns a price quote based on many factors.

This simplifies rate comparisons, but the work required to visit a lot of sites and complete many quote forms gets old quite quickly. But it is imperative to do this if you are searching for the lowest car insurance rates.

An easier way to find cheaper rates uses one simple form that gets price quotes from a lot of companies. The form is fast, requires less work, and makes comparison shopping much easier. As soon as you send your information, it is quoted with multiple companies and you can pick your choice of the returned quotes. If you find a better price it’s easy to complete the application and purchase coverage. It takes just a few minutes to complete and can result in significant savings.

To save time and find out if lower rates are available, simply click here to open in new window and fill out the form. If you have your current policy handy, we recommend you complete the form with the insurance coverages identical to your current policy. This guarantees you will have rate quotes using the same coverage and limits.

Get lower rates on 2013 Ford Focus insurance

Companies that sell car insurance do not list all their discounts in an easy-to-find place, so we researched some of the best known as well as the least known discounts you could be receiving.

  • Low Mileage – Fewer annual miles on your Ford could be rewarded with a substantially lower rate.
  • Military Discounts – Having a family member in the military can result in better rates.
  • Paperless Signup – Some insurance companies may give you up to $50 just for signing your application online.
  • Drive Safe and Save – Insureds without accidents may receive a discount up to 45% less on Focus coverage than less cautious drivers.
  • Seat Belt Usage – Requiring all passengers to wear their seat belts can save up to 15% off the personal injury premium cost.
  • Driver’s Ed – Have your child enroll in driver’s education if offered at their school.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.

Keep in mind that most of the big mark downs will not be given to the entire policy premium. Some only apply to the cost of specific coverages such as collision or personal injury protection. So when it seems like all the discounts add up to a free policy, car insurance companies aren’t that generous.

Companies that may have these discounts may include but are not limited to:

It’s a good idea to ask each insurance company which discounts they offer. Savings may not apply in every state.

Ford Focus insurance rates can be determined by these details

It’s important that you understand the factors that help determine your auto insurance rates. Knowing what controls the rates you pay empowers consumers to make smart changes that could result in big savings.

The following are a few of the “ingredients” used by your company to calculate premiums.

  • Men fork out a little more – Statistics show that women are safer drivers than men. However, this does not mean women are BETTER drivers than men. Men and women tend to get into accidents at a similar rate, but the male of the species have costlier accidents. Men also tend to get more serious tickets such as reckless driving. Teenage male drivers tend to get in the most accidents and are penalized with high auto insurance rates.
  • Do you know your deductibles? – Physical damage insurance, also known as collision and other-than-collision, is used to repair damage to your Ford. Examples of covered claims are running into the backend of another car, vandalism, and burglary. Deductibles for physical damage are how much you are willing to pay before a claim is paid by your company. The more you’re willing to pay, the lower your rates will be on Focus coverage.
  • Being married is a good thing – Having a wife or husband can actually save you money on your auto insurance policy. Having a significant other usually means you are more mature than a single person it has been statistically shown that drivers who are married are more cautious.
  • Better credit scores mean better rates – Having a bad credit score is a huge factor in determining what you pay for auto insurance. If your credit rating is lower than you’d like, you could potentially save money when insuring your 2013 Ford Focus by improving your credit score. Drivers who have high credit ratings tend to be better drivers and file fewer claims than drivers who have poor credit.
  • Younger drivers pay higher rates – Teen drivers have a tendency to be careless and easily distracted when driving so they pay higher auto insurance rates. Adding a teenage driver onto your auto insurance can really hurt. More mature drivers are more cautious drivers, tend to cause fewer accidents and tend to be better behind the wheel.

Tailor your coverage to you

When it comes to buying the right insurance coverage, there really is no best way to insure your cars. Every situation is different.

For instance, these questions might point out whether your personal situation might need professional guidance.

  • Am I covered when pulling a rental trailer?
  • Do I have newly-aquired coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Is extra glass coverage worth it?
  • Am I covered if I hit a deer?
  • Am I covered when delivering products for my home-based business?
  • Should I buy more coverage than the required minimum liability coverage?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Insurance coverages 101

Learning about specific coverages of a insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Insurance terms can be confusing and nobody wants to actually read their policy.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for immediate expenses like funeral costs, ambulance fees, pain medications, hospital visits and X-ray expenses. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. They cover you and your occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Auto collision coverage

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

Collision coverage pays for claims like scraping a guard rail, colliding with another moving vehicle, damaging your car on a curb, driving through your garage door and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.

Liability insurance

Liability coverage protects you from injuries or damage you cause to a person or their property. It protects you from claims by other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims such as repair bills for other people’s vehicles, repair costs for stationary objects and legal defense fees. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Ford Focus.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Comprehensive auto coverage

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

Comprehensive can pay for claims such as falling objects, hitting a bird, rock chips in glass and damage from flooding. The maximum payout a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

A little work can save a LOT of money

Consumers change insurance companies for a number of reasons such as an unsatisfactory settlement offer, being labeled a high risk driver, delays in paying claims and policy non-renewal. Regardless of your reason, switching companies can be pretty painless.

As you go through the steps to switch your coverage, never skimp on coverage in order to save money. Too many times, an insured cut physical damage coverage and learned later that their decision to reduce coverage ended up costing them more. Your focus should be to buy enough coverage at the best price while still protecting your assets.

We’ve covered quite a bit of information on how to shop for 2013 Ford Focus insurance online. It’s most important to understand that the more quotes you get, the better likelihood of reducing your rate. Drivers may discover the lowest rates come from a small local company.

Much more information about auto insurance can be read below: