2015 Ford Focus Car Insurance Rates – 7 Tips for Cheaper Quotes

Expensive auto insurance can overdraw your personal savings, especially in this economy. Shopping your coverage around is free, only takes a few minutes, and is a good way to lower your monthly bill. Popular companies such as Allstate and Progressive constantly bombard you with advertising and it is difficult to ignore the propoganda and effectively compare rates to find the best deal.

It’s a good habit to shop coverage around yearly since insurance rates are variable and change quite frequently. Even if you think you had the lowest rates on Focus insurance two years ago there may be better deals available now. So forget all the misinformation about auto insurance because it’s time to teach you how to quote online to reduce your cost while increasing coverage.

If you have insurance now or are shopping for new coverage, you can use these techniques to get lower rates while maintaining coverages. Finding affordable coverage is easy if you know what you’re doing. Drivers only need to know the most effective way to compare company rates on the web.

Compare Quotes for Car Insurance

Getting a cheaper price on 2015 Ford Focus insurance can be surprisingly simple. All that’s required is to take time to get quotes online from several insurance companies. This can be done in several different ways.

The best way to compare a lot of rates at once is to use a rate comparison form (click to open form in new window). This type of form eliminates the need for multiple quote forms to each individual car insurance company. Completing one form gets rate comparisons from many national carriers.

A different way to obtain and compare quotes online consists of going to each individual company website and request a quote. For example, let’s say you want rates from Auto-Owners, State Farm and GMAC. To get each rate you have to go to every website and enter your information, which is why the first method is quicker. For a list of links to companies insuring cars in your area, click here.

The least efficient method of getting rate comparisons is driving around to different agent offices. The ability to buy insurance online makes this process obsolete unless you require the personal advice only provided by licensed agents. However, consumers can compare online quotes but buy from a local insurance agent and we’ll touch on that later.

It’s up to you which method you use, but double check that you are using identical coverages and limits for every company. If you are comparing unequal deductibles or liability limits you will not be able to make an equal comparison.

Cut prices on 2015 Ford Focus insurance

Insuring your vehicles can cost a lot, but you can get discounts to help bring down the price. Some discounts apply automatically at the time of quoting, but a few need to be specially asked for prior to getting the savings. If they aren’t giving you every credit you qualify for, you’re paying more than you need to.

No Claims – Drivers with accident-free driving histories pay much less when compared to accident-prone drivers.
Accident Waiver – Certain companies will allow you to have one accident before your rates go up as long as you don’t have any claims for a set time period.
Discount for New Cars – Putting insurance coverage on a new car is cheaper since new cars are generally safer.
Save over 55 – Older drivers may qualify for a small decrease in premiums on Focus insurance.
Discount for Life Insurance – Some companies give a discount if you purchase auto and life insurance together.
Theft Prevention System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.
Anti-lock Brake System – Cars that have steering control and anti-lock brakes can avoid accidents and therefore earn up to a 10% discount.

It’s important to understand that most discount credits are not given to the overall cost of the policy. Some only reduce the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears you can get free auto insurance, you’re out of luck. But all discounts will bring down your premiums.

Companies that may offer these discounts include:

It’s a good idea to ask each insurance company which discounts you may be entitled to. Discounts may not apply in your state.

Tailor your coverage to you

When it comes to choosing the best insurance coverage, there really is not a single plan that fits everyone. Each situation is unique so your insurance should reflect that Here are some questions about coverages that could help you determine whether you might need an agent’s assistance.

Can I get a multi-policy discount for packaging my home and auto coverage?
Am I insured when driving a different vehicle?
Do I have coverage when making deliveries for my home business?
Should I have a commercial auto policy?
What happens if I owe more than my 2015 Ford Focus is worth?
Should I carry comprehensive and collision coverage?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It’s fast, free and may give you better protection.

Information about specific coverages

Having a good grasp of a auto insurance policy aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. These are typical coverage types found on most auto insurance policies.

Liability coverages

This coverage provides protection from damage or injury you incur to a person or their property by causing an accident. It protects YOU against claims from other people. Liability doesn’t 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. As an example, you may have values of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims like emergency aid, bail bonds, medical expenses, court costs and attorney fees. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive or Other Than Collision

This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims like hitting a bird, rock chips in glass, a tree branch falling on your vehicle, hail damage and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like surgery, rehabilitation expenses, doctor visits and pain medications. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is not available in all states and may carry a deductible

UM/UIM Coverage

This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision coverage

This coverage pays for damage to your Focus caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like crashing into a ditch, hitting a parking meter, driving through your garage door, crashing into a building and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to increase the deductible to bring the cost down.