2002 Ford Focus Car Insurance Rates

Getting budget-priced insurance on the internet might seem difficult for drivers not familiar with comparing prices on the internet. Since there are so many insurers to choose from, how can anyone have a chance to compare the different rates to find lower insurance premiums?

Finding insurance coverage

Most of the larger companies such as State Farm and Allstate make it easy to get pricing online. Getting online rates is easy for anyone as you simply enter the amount of coverage you want into a form. After the form is submitted, the quote system automatically orders information on your driving record and credit history and generates pricing information.

Online price quotes simplifies rate comparisons, but having to visit each company’s website and repetitively type in the same information is not the best way to spend an afternoon. But it’s absolutely necessary to compare as many rates as possible if you want to get a lower rate.

Isn’t there an easier way to compare rates?

A more efficient way to find better insurance coverage pricing utilizes a single form that obtains quotes from several different companies. The form is fast, helps eliminate reptitive entry, and makes comparison shopping much more enjoyable and efficient. After your information is entered, it gets priced and you can choose any one of the returned quotes. If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase coverage. It takes 15 minutes at the most and can result in significant savings.

If you want to compare rates now, simply click here to open in new window and fill out the form. To compare your current rates, we recommend you enter the insurance coverages exactly as they are listed on your policy. This ensures you’re receiving a fair comparison for similar insurance coverage.

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The ad said I’d save $399 a year!

Insurance coverage providers like State Farm and Allstate continually stream ads in print and on television. All the companies try to convey promises of big savings after switching to their company. How does every insurance coverage company charge you less for car insurance? Here is the trick they use.

Many companies have a certain “appetite” for a prospective insured that earns them the highest profit. For example, a profitable risk profile could possibly be over age 30, owns their home, and drives less than 10,000 miles a year. Someone who fits that profile will most likely get cheap rates and have a good chance to save a lot if they switch.

Consumers who are not a match for these criteria will get a higher premium and the driver buying from a lower-cost company. The ads state “drivers that switch” not “everybody who quotes” save that much. That is how insurance companies can confidently claim big savings. That is why it is so important to get a wide range of price quotes. It is impossible to guess which company will fit you best based on your risk profile.

Find hidden discounts on insurance

Insuring your fleet can be pricey, but you may be missing some discounts that may help make it more affordable. Some of these disounts will be visible at quote time, but a few must be specially asked for prior to getting the savings.

• Senior Citizen Rates – Seniors can possibly qualify for better insurance rates for Focus coverage.
• Club Memberships – Being in a qualifying organization can get you a small discount on your policy.
• Anti-theft System – Cars and trucks equipped with tracking devices and advanced anti-theft systems are stolen less frequently and will save you 10% or more.
• Accident Waiver – This isn’t a discount exactly, but certain companies allow you one accident before raising your premiums as long as you don’t have any claims for a set time period.
• Defensive Driving Course – Completing a course that instructs on driving safety can save you 5% or more depending on where you live.
• Multi-car Discount – Insuring primary and secondary vehicles on a single policy may reduce the rate for each vehicle.
• Federal Government Employee – Being employed by or retired from a federal job could cut as much as 10% off for Focus coverage but check with your company.
• Student Discounts – Getting good grades may save you up to 25%. This discount can apply up until you turn 25.
• Discount for New Cars – Buying a new car model can get you a discount because new vehicles keep occupants safer.

One last thing about discounts, some credits don’t apply to the overall cost of the policy. The majority will only reduce individual premiums such as physical damage coverage or medical payments. Even though it appears having all the discounts means you get insurance for free, nobody gets a free ride. Any amount of discount will positively reduce the amount you pay for coverage.

If you would like to see a list of companies who offer free insurance quotes, click here to view.

Tailor your auto insurance coverage to you

When it comes to choosing the right insurance coverage, there isn’t really a “perfect” insurance plan. Every situation is different.

Here are some questions about coverages that can help discover whether you would benefit from professional advice.

• Can my teen drive my company car?
• Can I still get insurance after a DUI?
• Is my camper covered by my car insurance policy?
• Is rental equipment covered for theft or damage?
• Do I pay less if my vehicle is kept in my garage?
• Am I better off with higher deductibles on my 2002 Ford Focus?
• Are my friends covered when driving my 2002 Ford Focus?
• Why do I only qualify for high-risk insurance?
• Am I covered when driving someone else’s vehicle?
• Why am I be forced to buy a membership to get insurance from some companies?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an agent. To find an agent in your area, simply complete this short form.

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Auto insurance coverages

Learning about specific coverages of a insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as funeral costs, doctor visits and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP is not available in all states and may carry a deductible

Uninsured/Underinsured Motorist coverage – This coverage gives you protection when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family and also any damage incurred to your Ford Focus.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive coverage – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like hitting a bird, a broken windshield, rock chips in glass and falling objects. The maximum payout your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability coverages – This coverage provides protection from damage or injury you incur to people or other property in an accident. It protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers things like emergency aid, structural damage, medical expenses, funeral expenses and pain and suffering. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage – Collision coverage pays for damage to your Focus caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like colliding with a tree, sideswiping another vehicle, hitting a parking meter and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

One last thing about your coverage

Cost effective 2002 Ford Focus insurance is available from both online companies in addition to local insurance agencies, so you should be comparing quotes from both to get a complete price analysis. Some auto insurance companies may not offer internet price quotes and these smaller companies only sell through independent insurance agencies.

People switch companies for a variety of reasons including an unsatisfactory settlement offer, high prices, questionable increases in premium and even lack of trust in their agent. It doesn’t matter what your reason, finding the right auto insurance provider is actually quite simple.

In this article, we covered quite a bit of information on how to get a better price on 2002 Ford Focus insurance. It’s most important to understand that the more rate quotes you have, the higher your chance of finding the cheapest car insurance. Consumers may even find the biggest savings come from a small mutual company.

Much more information about auto insurance can be read on the following sites:

• Shopping for a Safe Car (Insurance Information Insitute)
• What to do at the Scene of an Accident (Insurance Information Insitute)
• Safety Features for Your New Car (State Farm)
• What is Gap Insurance? (Insurance Information Insitute)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)

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