2009 Ford Focus Insurance Rates – 7 Tricks for Cheapest Quotes

Looking for cheaper car insurance rates for your Ford Focus? No one likes having to buy car insurance, especially when they are paying too much.

With so many online and local companies to choose from, it can be diffult for consumers to locate the most affordable car insurance company.

Save big with these seven discounts

Auto insurance companies do not list all their discounts very clearly, so the following is a list of both the well known and also the lesser-known savings tricks you should be using.

  • Seat Belt Usage – Drivers who require all occupants to wear their seat belts can save up to 15% off your PIP or medical payments premium.
  • Lower Rates for Military – Having a deployed family member can result in better rates.
  • Safe Driver Discount – Drivers who don’t get into accidents can pay as much as 50% less on Focus coverage than drivers with accident claims.
  • Student Driver Training – Have your child complete a driver education course if it’s offered in school.
  • Homeowners Savings – Simply owning a home can help you save on auto insurance because owning a home shows financial diligence.
  • Resident Student – Youth drivers who attend school more than 100 miles from home without a vehicle on campus can receive lower rates.
  • Club Memberships – Belonging to a qualifying organization may earn a discount on your policy on Focus coverage.

As a disclaimer on discounts, some credits don’t apply to all coverage premiums. Most only reduce individual premiums such as comp or med pay. Just because it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way.

A partial list of companies that may offer these discounts include:

Check with each company what discounts are available to you. All car insurance discounts may not apply in every state.

Auto insurance myths debunked

Auto insurance providers like Geico, State Farm and Progressive continually stream ads in print and on television. They all make the same claim of big savings after switching your policy. How do they all make the same claim?

All companies are able to cherry pick for the right customer that makes them money. For instance, a desirable insured might be profiled as between 30 and 50, insures multiple vehicles, and chooses high deductibles. A customer who meets those qualifications will qualify for the lowest rates and therefore will cut their rates substantially.

Consumers who don’t measure up to these standards will be quoted a more expensive rate which leads to business not being written. Company advertisements say “customers that switch” not “everyone that quotes” save that much. That is how companies can state the savings. This emphasizes why it’s extremely important to get as many quotes as possible. You cannot predict which insurance companies will give you the biggest savings on Ford Focus insurance.

But I don’t know anything about car insurance

When choosing proper insurance coverage for your personal vehicles, there is no best way to insure your cars. Every insured’s situation is different and your policy should reflect that. For example, these questions might help in determining if you would benefit from an agent’s advice.

  • How much liability coverage do I need in my state?
  • Why am I required to get a high-risk car insurance policy?
  • I don’t drive much so do I pay less?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Can I make deliveries for my home business?
  • Is my 2009 Ford Focus covered for flood damage?
  • When should I not file a claim?
  • Is a fancy paint job covered?
  • Do I have any recourse if my insurance company denies a claim?
  • Am I covered if I drive in a foreign country?

If you’re not sure about those questions, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.

Insurance coverages explained

Knowing the specifics of a insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. These are typical coverages available from insurance companies.

Liability auto insurance

Liability insurance provides protection from damage or injury you incur to other’s property or people that is your fault. It protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability can pay for claims like structural damage, pain and suffering and attorney fees. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.

Auto collision coverage

Collision coverage covers damage to your Focus resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as colliding with another moving vehicle, rolling your car, crashing into a ditch, crashing into a building and colliding with a tree. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Comprehensive coverages

This covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as theft, hail damage and a tree branch falling on your vehicle. The highest amount your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your 2009 Ford Focus.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for medical payments

Med pay and PIP coverage reimburse you for bills for hospital visits, rehabilitation expenses and prosthetic devices. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Make a quick buck

As you prepare to switch companies, make sure you don’t sacrifice coverage to reduce premiums. In too many instances, consumers will sacrifice physical damage coverage and learned later that the few dollars in savings costed them thousands. The ultimate goal is to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

You just learned a lot of information how to shop for 2009 Ford Focus insurance online. It’s most important to understand that the more rate quotes you have, the better your chances of lowering your rates. Drivers may discover the lowest priced car insurance comes from the least-expected company. Some small companies may often insure only within specific states and give getter rates than their larger competitors like State Farm, Geico and Nationwide.

For more information, feel free to browse the resources below: