Save on 2014 Ford Focus Insurance Quotes

Looking for better insurance coverage rates for your Ford Focus? Buying the lowest cost insurance coverage over the internet may be difficult for consumers not familiar with buying insurance on the web. With a ridiculous number of online companies, how can consumers have a chance to compare the different rates to find the cheapest available price?

Cut your insurance coverage rates with discounts

Car insurance companies don’t list all their discounts very well, so we researched some of the best known and the harder-to-find discounts you could be receiving.

  • Theft Prevention System – Cars that have factory anti-theft systems are stolen less frequently and will save you 10% or more.
  • Own a Home – Being a homeowner may earn you a small savings because maintaining a house is proof that your finances are in order.
  • Payment Method – By paying your policy upfront instead of monthly or quarterly installments you can actually save on your bill.
  • Seat Belts Save more than Lives – Drivers who require all occupants to buckle their seat belts could save 15% off your PIP or medical payments premium.
  • College Student – Kids in college who attend school more than 100 miles from home and do not have a car can be insured at a reduced rate.
  • 55 and Retired – If you qualify as a senior citizen, you may qualify for better insurance coverage rates for Focus insurance.

Drivers should understand that some of the credits will not apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as comprehensive or collision. Even though it may seem like all the discounts add up to a free policy, companies wouldn’t make money that way.

For a list of insurance companies who offer insurance coverage discounts, click here.

Comprehensive Auto Insurance Comparison

All the larger auto insurance companies allow you to get price estimates online. Getting online rates is pretty painless as you just enter your coverage information into the quote form. Upon sending the form, the system automatically orders your driving record and credit report and returns a price quote.

Online price quotes helps simplify price comparisons, but the work required to visit a lot of sites and enter the same data into a form can get tiresome after awhile. Unfortunately, it is important to compare as many rates as possible in order to get the lowest auto insurance rates.

The smarter way to lower your rates makes use of a single form that gets prices from several different companies. It saves time, reduces the work, and makes comparison shopping much more enjoyable and efficient. Immediately after submitting the form, your coverage is rated and you can select any of the quotes returned. If a lower price is quoted, it’s easy to complete the application and purchase coverage. The entire process takes 15 minutes at the most and could lower your rates considerably.

To save time and compare pricing, click here to open in a new tab and fill out the form. If you have your current policy handy, we recommend you complete the form with coverages and limits exactly as they are listed on your policy. Doing this assures you will be getting a rate comparison based on identical coverages.

You are unique and your auto insurance should be too

When buying proper insurance coverage for your vehicles, there really is no best way to insure your cars. Every situation is different.

These are some specific questions can aid in determining whether you could use an agent’s help.

  • Do all my vehicles need collision coverage?
  • Am I covered when delivering products for my home-based business?
  • How can I get my company to pay me more for my totalled car?
  • Why does it cost so much to insure a teen driver?
  • Which is better, split liability limits or combined limits?
  • Do I need replacement cost coverage on my 2014 Ford Focus?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form.

Specific coverage details

Having a good grasp of your policy aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for immediate expenses for things like doctor visits, dental work, rehabilitation expenses and X-ray expenses. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Auto liability

Liability coverage provides protection from damages or injuries you inflict on a person or their property in an accident. It protects YOU against other people’s claims, and does not provide coverage for 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. As an example, you may have policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things such as structural damage, bail bonds, repair costs for stationary objects, attorney fees and court costs. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Ford Focus.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like falling objects, a broken windshield, theft, damage from getting keyed and rock chips in glass. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Auto collision coverage

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like hitting a parking meter, sustaining damage from a pot hole and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.

Save for a rainy day

Cost effective 2014 Ford Focus insurance is possible online and with local insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance companies do not offer you the ability to get quotes online and these small, regional companies work with independent agents.

People change insurance companies for any number of reasons including being labeled a high risk driver, policy cancellation, an unsatisfactory settlement offer and even delays in responding to claim requests. No matter why you want to switch, choosing a new insurance company is not as hard as you think.

As you go through the steps to switch your coverage, do not sacrifice coverage to reduce premiums. There are many occasions where someone sacrificed uninsured motorist or liability limits and discovered at claim time that they should have had better coverage. The ultimate goal is to purchase a proper amount of coverage at an affordable rate.

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