Ford Focus Insurance - Compare and Save

Drivers have lots of options when trying to find low-cost insurance for your Ford vehicle. You can either buy through an agent or price shop online to compare pricing from a lot of auto insurance companies. Comparing auto insurance through online companies is simple to do, plus you can save money.

Using the web to shop for auto insurance direct can be difficult if you have never used online rate quotes. Don't let that stop you because it's actually quite easy. Getting lower Focus insurance cost is not a difficult process. The only thing you need to do is invest a little time getting comparison quotes online with multiple companies. This can be done by visiting this page.

FREE Car Insurance Comparison

Rates are determined by...

Car insurance premiums for your Ford Focus will vary greatly subject to many criteria. Including but not limited to:

More performance equals higher cost
Your accident history
Home and auto can earn discounts
Pleasure, commuting or business use can affect rates
Young drivers cost more
Being married can lower rates
Add-on coverages such as rental reimbursement
Your claim history
No coverage lapses saves money
Home ownership saves money

An additional factor that can impact Focus insurance quotes is the year of the vehicle. A newer vehicle have a higher value than older models so the payout to repair will push premiums up. Conversely, more recent Ford vehicles may have safety features such as adaptive cruise control, autonomous braking, and lane departure warning system so those may provide discounts that lower premiums.

To get a better idea how much rates will be for your vehicle, select the year of your Focus from the list below.

Coverage for liability

Focus liability coverage will cover damage or injury you incur to other's property or people. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so you should buy as much as you can afford.

Coverage for collisions

This coverage will pay to fix damage to your Ford resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to raise the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it's not worth carrying full coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don't have enough coverage. Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as EMT expenses, pain medications, and nursing services. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage.

How Much are Ford Focus Insurance Rates?

Ford Focus Insurance Quotes