2004 Ford Focus Car Insurance Quotes – 8 Ways to Save

Searching for lower insurance rates for your Ford Focus? Are you a victim of overpriced insurance? Believe me when I say you’re not alone.

Many insurers vie for your business, so it can be very hard to choose a company to get the lowest cost out there.

It’s important to check insurance prices before your policy renews since rates are rarely the same from one policy term to another. Even if you got the lowest price on Focus insurance two years ago you can probably find a lower rate today. Don’t believe everything you read about insurance on the web, but with this article, you’re going to get some good information on how to reduce your insurance bill.

How to Get Insurance

There are several ways of comparing rates from insurance companies in your area. The fastest way to find the cheapest 2004 Ford Focus insurance rates is to perform an online rate comparison. This can be accomplished in several different ways.

  • The most efficient way to compare a lot of rates at once would be an industry-wide quote request form click here to open form in new window. This form saves time by eliminating separate forms for each company. Taking the time to complete one form will return price quotes instantly.
  • A slightly less efficient method to shop for insurance online is to take the time to go to each company website and fill out their own quote form. For examples sake, let’s assume you want to compare USAA, 21st Century and Farmers. You would have to take the time to go to each site to enter your coverage information, which is why most consumers use the first method.

    For a list of links to insurance companies in your area, click here.

Whichever way you use, be sure to compare identical information for every quote you compare. If you are comparing different limits and deductibles on each one it will be impossible to make a fair comparison for your Ford Focus. Having just a slight variation in limits can mean a large discrepancy in price. It’s important to know that having more price comparisons will enable you to find a lower rate.

Are you getting all your discounts?

Car insurance companies don’t always advertise all available discounts in an easy-to-find place, so we researched both the well known as well as the least known savings tricks you should be using.

  • Memberships – Participating in a professional or civic organization may earn a discount on your policy on Focus insurance.
  • Multi-policy Discount – When you combine your home and auto insurance with the same insurance company you may save 10% to 20% off each policy.
  • Multiple Cars – Buying coverage for all your vehicles with the same company could earn a price break for each car.
  • Anti-theft Discount – Vehicles with anti-theft systems can help prevent theft and will save you 10% or more.
  • Pay Now and Pay Less – If paying your policy premium upfront rather than paying monthly you may reduce your total bill.
  • Save over 55 – Mature drivers may receive a small decrease in premiums on Focus insurance.
  • Low Mileage Discounts – Low mileage vehicles could be rewarded with better rates on cars that stay parked.
  • Claim Free – Claim-free drivers can save substantially as compared to drivers who are more careless.

Keep in mind that some credits don’t apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like medical payments or collision. So when it seems like adding up those discounts means a free policy, you’re out of luck.

A partial list of companies that possibly offer these benefits are:

Check with all companies you are considering which discounts you may be entitled to. Discounts might not be offered in your state.

Tailor your coverage to you

When choosing adequate coverage, there isn’t really a best way to insure your cars. Everyone’s needs are different so your insurance should reflect that Here are some questions about coverages that may help highlight if your insurance needs might need an agent’s assistance.

  • I don’t drive much so do I pay less?
  • How do I buy GAP insurance?
  • What is roadside assistance coverage?
  • Why am I required to buy high-risk coverage?
  • Should I have a commercial auto policy?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Should I have combined single limit or split liability limits?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance coverage companies in your area.

Coverages available on your policy

Knowing the specifics of your insurance policy can help you determine appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverages offered by insurance companies.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Ford Focus.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Coverage for medical expenses – Med pay and PIP coverage kick in for expenses like X-ray expenses, surgery, pain medications and prosthetic devices. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Liability – Liability insurance provides protection from damage or injury you incur to people or other property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability insurance covers claims like repair bills for other people’s vehicles, bail bonds, medical services and legal defense fees. How much coverage you buy is up to you, but buy higher limits if possible.

Collision coverage – Collision insurance covers damage to your Focus resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as colliding with another moving vehicle, sustaining damage from a pot hole, colliding with a tree, scraping a guard rail and hitting a parking meter. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.

Comprehensive insurance – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as a broken windshield, hitting a deer, hitting a bird and falling objects. The most your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.