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Ford Focus Insurance Rates

Drivers have lots of options when insurance shopping for your Ford vehicle. You can get prices from a local agent or shop online to check prices from a lot of car insurance companies. Comparing car insurance through online companies is easy, plus you might just save a little.

Beginners to buying insurance may think finding cheap Focus insurance is difficult. When shopping for car insurance there are multiple ways of comparing rates and find the best price. The easiest way to find competitive Focus insurance cost involves getting comparison quotes online. This can be done by completing this short form.

Rates are determined by the following

Auto insurance rates for a Ford Focus can fluctuate considerably based upon several criteria. Including but not limited to:

  • The performance level of your Focus
  • Accidents raise premiums
  • Home and auto can earn discounts
  • Use of your vehicle
  • Your birth date
  • Having a spouse can save money
  • Add-on coverages such as rental reimbursement
  • What you do for a living
  • Insurance coverage level
  • Home ownership saves money

A final factor that can impact Focus insurance rates is the model year. Used vehicles have a lower value in comparison to older models so repair costs tend to be lower which will push premiums down. Although newer vehicles may have a trim level with safety features included like a rollover prevention system, forward-collision avoidance, and dual-stage airbags which may give discounted rates.

To get a better understanding how much rates will be for your vehicle, select the year of your Focus from the list below.

Coverage for liability - Liability insurance can cover damage or injury you incur to other people or property. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so consider buying as high a limit as you can afford.

Collision - This coverage covers damage to your Ford caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder. Focus collision insurance is rather expensive coverage, so consider dropping it from vehicles that are older. It's also possible to bump up the deductible in order to get cheaper Focus insurance rates.

Comprehensive coverage (or Other than Collision) - 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 and the remainder of the damage will be paid by your Ford Focus comprehensive insurance. The most your car insurance company will pay is the actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

UM/UIM Coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Insurance for medical payments - Coverage for medical payments and/or PIP provide coverage for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are used to fill the gap from your health insurance program or if you are not covered by health insurance. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage.

How Much are Ford Focus Insurance Rates?