2011 Ford Focus Insurance Quotes – 5 Tricks for Cheapest Rates

Trying to find cheaper car insurance rates for your Ford Focus? Nobody I know likes paying for car insurance, in particular when they are paying too much. Insurance companies such as State Farm and Geico continually hit you with advertising and it is difficult to ignore the propoganda and effectively compare rates to find the best deal.

You need to price shop coverage yearly since rates are rarely the same from one policy term to another. Just because you had the best deal for Focus coverage a couple years back you may be paying too much now. You can find a lot of wrong information about car insurance online but we’re going to give you some tested techniques to slash your car insurance rates.

How to Lower Your Insurance Coverage Cost

Comparing insurance coverage rates can be challenging if you don’t utilize the best way to get rate quotes. You can spend your afternoon talking about coverages with local insurance agents in your area, or you can stay home and use online quotes to get rates in a matter of minutes.

Many popular insurance companies enroll in a system that allows shoppers to enter their policy data once, and each participating company returns a rated price for coverage. This eliminates the need for quote requests to every company. To find out how much you’re overpaying now click to open in new window.

The only downside to getting quotes like this is you can’t choose which insurance companies you want pricing from. So if you prefer to choose specific insurance companies to compare rates, we have assembled a list of companies who write insurance coverage in your area. View list of insurance companies.

It doesn’t matter which method you choose, just make absolute certain that you use apples-to-apples quote information for each price quote. If you compare different liability limits it will be next to impossible to determine the best price for your Ford Focus.

You probably qualify for some discounts

Companies offering auto insurance do not list all available discounts very clearly, so the following is a list of both well-publicized and the more hidden discounts you could be receiving. If you’re not getting every credit available, you’re paying more than you need to.

  • Driver’s Ed – Have your child enroll in driver’s education in school.
  • Driver Safety – Taking part in a course teaching defensive driving skills could cut 5% off your bill and easily recoup the cost of the course.
  • Safe Drivers – Insureds without accidents can pay as much as 50% less for Focus coverage than drivers with accidents.
  • Accident Waiver – A handful of insurance companies will forgive one accident without raising rates if your claims history is clear for a certain period of time.
  • Good Student Discount – Performing well in school can save 20 to 25%. The good student discount can last well after school through age 25.

It’s important to note that most discount credits are not given to all coverage premiums. Some only apply to individual premiums such as comprehensive or collision. So when it seems like adding up those discounts means a free policy, it just doesn’t work that way.

To see a list of companies with the best car insurance discounts, click here.

There’s no such thing as the perfect policy

When it comes to buying adequate coverage, there really is no best way to insure your cars. Everyone’s situation is unique and your policy should reflect that. Here are some questions about coverages that may help you determine whether or not you will benefit from professional help.

  • Is borrowed equipment or tools covered if stolen or damaged?
  • What is covered by UM/UIM coverage?
  • What is high-risk coverage and where do I buy it?
  • What is UM/UIM insurance?
  • Do I benefit by insuring my home with the same company?
  • How can I force my company to pay a claim?
  • Should I sign the liability waiver when renting a car?
  • Why is insurance for a teen driver so high?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance coverage basics

Knowing the specifics of car insurance can help you determine the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverages available from car insurance companies.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Ford Focus.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as EMT expenses, funeral costs, doctor visits, ambulance fees and nursing services. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. It covers all vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible

Auto collision coverage

This will pay to fix damage to your Focus caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like scraping a guard rail, rolling your car and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Comprehensive car insurance

This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like fire damage, damage from flooding, a tree branch falling on your vehicle, vandalism and theft. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Auto liability insurance

This coverage will cover damage or injury you incur to people or other property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability can pay for claims like structural damage, emergency aid and medical services. How much liability should you purchase? That is your choice, but buy higher limits if possible.

More choices the merrier

Low-cost 2011 Ford Focus insurance is possible both online in addition to many insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some companies do not provide online quoting and most of the time these regional insurance providers sell through independent agents.

When buying insurance coverage, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured cut liability limits or collision coverage only to find out that the savings was not a smart move. The aim is to buy enough coverage for the lowest price.

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