2000 Ford Focus Car Insurance Rates

Looking for better insurance coverage rates for your Ford Focus? Finding better insurance prices for a new or used Ford Focus can normally be a painful process, but you can follow a few tricks and make it easy.

There is a right way and a wrong way to compare insurance coverage rates and we’ll show you the proper way to get price quotes for a new or used Ford and locate the lowest price.

Smart consumers take time to get comparison quotes yearly because insurance rates fluctuate regularly. Even if you think you had the best deal for Focus insurance a few years ago there may be better deals available now. There is a lot of bad information regarding insurance coverage online, so we’re going to give you the easiest ways to put money back in your pocket.

If you have a policy now or are looking for a new policy, you can use these tips to cut your premiums and still get good coverage. Buying more affordable protection is not that difficult. Drivers only need an understanding of how to compare prices online.

Discounts are available to cut your rates

Car insurance is not cheap, but companies offer discounts that you may not even be aware of. Certain discounts will be applied at the time you complete a quote, but less common discounts must be requested specifically before you will receive the discount. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.

  • Discounts for Safe Drivers – Safe drivers may save up to 50% more for Focus insurance than drivers with accident claims.
  • Seat Belts Save more than Lives – Requiring all passengers to buckle their seat belts could save 15% off your PIP or medical payments premium.
  • Air Bag Discount – Cars that have air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.
  • Homeowners Discount – Owning a house can help you save on insurance coverage because of the fact that having a home demonstrates responsibility.
  • Early Switch Discount – A few companies offer discounts for signing up before your current policy expires. It’s a savings of about 10%.
  • Life Insurance – Companies who offer life insurance give a break if you buy life insurance.
  • Accident Free – Drivers who don’t have accidents can save substantially when compared to frequent claim filers.
  • Multiple Cars – Buying coverage for all your vehicles on one policy qualifies for this discount.

It’s important to note that many deductions do not apply the the whole policy. The majority will only reduce specific coverage prices like liability, collision or medical payments. So even though they make it sound like you can get free auto insurance, companies don’t profit that way. But any discount will bring down the cost of coverage.

Companies that possibly offer these benefits are:

Before buying, ask every prospective company what discounts are available to you. All car insurance discounts might not apply in your area.

Everyone needs different coverages

When buying coverage, there really is not a perfect coverage plan. Everyone’s situation is a little different.

For instance, these questions may help highlight if your situation would benefit from an agent’s advice.

  • Do I need to file an SR-22 for a DUI in my state?
  • Am I covered when driving someone else’s vehicle?
  • Do I have newly-aquired coverage?
  • Should I have a commercial auto policy?
  • How much liability do I need to cover my assets?
  • Do I need roadside assistance coverage?
  • Will I lose any money if I cancel my policy before it expires?
  • When would I need additional glass coverage?
  • Do I have coverage when pulling a U-Haul trailer?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, simply complete this short form. It’s fast, free and can help protect your family.

Car insurance coverages for a Ford Focus

Having a good grasp of insurance aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Liability coverage

This can cover damage that occurs to a person or their property by causing an accident. It protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like legal defense fees, repair bills for other people’s vehicles, bail bonds, structural damage and emergency aid. The amount of liability coverage you purchase is up to you, but consider buying as much as you can afford.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Ford Focus.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for expenses for things like ambulance fees, hospital visits, rehabilitation expenses, prosthetic devices and nursing services. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things like falling objects, damage from getting keyed, hail damage, a tree branch falling on your vehicle and rock chips in glass. The highest amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like crashing into a ditch, backing into a parked car and damaging your car on a curb. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Spend less. Save more.

When you buy insurance online, do not buy lower coverage limits just to save a few bucks. In many cases, consumers will sacrifice collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy a smart amount of coverage at the best price while not skimping on critical coverages.

People leave their current company for a variety of reasons including high prices, poor customer service, not issuing a premium refund and even denial of a claim. No matter why you want to switch, finding the right car insurance provider can be easier than you think.

Cheaper 2000 Ford Focus insurance is available on the web in addition to many insurance agents, and you should be comparing both to have the best chance of lowering rates. Some insurance providers do not provide you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.

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