Lower Your 2004 Ford Focus Insurance Rates

There isn’t anyone who rejoices having to buy insurance, particularly when the prices are way too high.

Many insurance companies vie to insure your vehicles, so it can be very hard to choose a company and uncover the absolute lowest rate

It’s a great practice to compare rates as often as possible because insurance prices are rarely the same from one policy term to another. If you had the lowest rate on Focus insurance a couple years back there is a good chance you can find better premium rates now. Forget all the misinformation about insurance because we’re going to demonstrate how to quote online to reduce your cost while improving coverage.

If you have car insurance now, you will be able to lower your premiums substantially using these methods. Finding affordable coverage is not rocket science. But vehicle owners do need to understand how companies price insurance differently because it can help you find the best coverage.

The easiest way to compare insurance rates in your area takes advantage of the fact most of the larger companies participate in a system to compare rate quotes. All you need to do is provide information such as if you require a SR-22, deductibles desired, types of safety features, and whether you are single or married. The data is instantly provided to multiple top-rated companies and they provide comparison quotes immediately.

To get price quotes for your 2004 Ford Focus now, click here and see if a lower rate is available.

Lower rates by qualifying for discounts

Insurance can cost an arm and a leg, but there’s a good chance there are discounts that may help make it more affordable. Many discounts should be triggered when you complete an application, but some need to be requested specifically prior to receiving the credit.

• Paper-free Discount – A handful of insurance coverage companies will give you a small discount simply for signing over the internet.
• Driver Training Discounts – Successfully completing a course in defensive driving is a good idea and can lower rates and easily pay for the cost of the class.
• Data Collection Discounts – Drivers who elect to allow data collection to scrutinize driving patterns by installing a telematics device like Drivewise from Allstate or In-Drive from State Farm may get a rate reduction as long as they are good drivers.
• Active Service Discounts – Being on active duty in the military could trigger a small discount.
• Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn lower premium rates if you buy auto and life insurance together.

Please keep in mind that most credits do not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though it appears all those discounts means the company will pay you, you aren’t that lucky. But all discounts will help lower your policy premiums.

Auto insurance companies who may offer some of the above discounts possibly include:

• American Family
• State Farm
• 21st Century
• Travelers
• Geico

Double check with every insurance company how many discounts you can get. Depending on the company, some discounts might not apply everywhere. To choose companies that offer multiple discounts, click this link.

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Learn how to lower your insurance prices

A large part of saving on car insurance is knowing some of the things that come into play when calculating the price you pay for car insurance. When consumers understand what determines premiums, this allows you to make educated decisions that may reward you with better car insurance rates.

• Better car insurance rates for being claim-free – If you are a frequent claim filer, you shouldn’t be surprised to get either policy cancellation or increased premiums. Auto insurance companies provide lower rates to policyholders who do not file claims often. Auto insurance is intended to be relied upon for claims that pose a financial burden.
• Vehicle options that cut car insurance rates – Selecting a car model with advanced anti-theft systems can save you a little every year. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder vehicle theft.
• Mileage impacts prices – The higher the miles on your Ford in a year the more you’ll pay to insure your vehicle. The majority of insurers calculate prices based upon how much you drive. Cars that have low annual miles get more affordable rates than those used for commuting. An improperly rated Focus can cost quite a bit. Double check that your policy correctly shows the right rating data, because improper ratings can cost you money.
• Save money by raising deductibles – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your vehicle. Some instances where coverage would apply would be a dented fender, damage from fire, and having your car stolen. Comprehensive and collision coverage deductibles represent how much money you are willing to pay out-of-pocket if a covered claim is submitted. The more damage repair cost you pay before a claim is paid (deductible), the less money you will pay for car insurance on Focus insurance.
• Insure your auto and home with one company – Most larger car insurance companies apply lower prices to clients who carry more than one policy, otherwise known as a multi-policy discount. The amount of the discounts can be 10 percent or more. Even if you’re getting this discount consumers should still shop around to confirm you are receiving the best rates possible.There is a good possibility that you can find better rates by buying car insurance from a different company.
• Don’t skimp on liability coverage – A critical coverage on your policy, liability insurance will afford coverage if you are ruled to be at fault for an accident. Liability insurance provides you with a defense in court to defend your case. It is affordable coverage compared to physical damage coverage, so buy as much as you can afford.
• Insurance costs and driver gender – Over the last 30 years, statistics show that females take fewer risks when driving. The data does not necessarily mean that males are worse at driving than females. Males and females cause at-fault accidents at about the same rate, but the men get into accidents with more damage. Men also statistically get more serious tickets such as driving while intoxicated (DWI) or driving recklessly. Males from age 16 to 21 have the highest risk to insure and therefore pay the highest rates.
• Vocation impacts premiums – Did you know your car insurance rates can be affected by your occupation? Careers like military generals, business owners and stock brokers generally have higher average rates in part from intense work situations and lots of time spent at work. Other professions such as scientists, historians and performers get better rates on Focus insurance.

Car insurance is unique, just like you

When choosing proper insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Everyone’s needs are different so your insurance should reflect that These are some specific questions can aid in determining whether you will benefit from professional help.

• How much liability insurance is required?
• Am I covered when delivering products for my home-based business?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Are all vehicle passengers covered by medical payments coverage?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• I have health insurance so do I need medical payments coverage?
• Am I covered when driving in Canada or Mexico?
• Is my nanny covered when driving my vehicle?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area.

What auto insurance coverages do you need?

Having a good grasp of your auto insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and coverage can change by endorsement. These are the usual coverages found on most auto insurance policies.

Auto liability insurance

This protects you from injuries or damage you cause to other people or property that is your fault. It protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things like loss of income, legal defense fees and medical expenses. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like EMT expenses, funeral costs, prosthetic devices and dental work. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Coverage for collisions

Collision insurance pays for damage to your Focus resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like damaging your car on a curb, crashing into a building, sideswiping another vehicle, scraping a guard rail and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

UM/UIM Coverage

This coverage provides protection when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Ford Focus.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these limits are set the same as your liablity limits.

Comprehensive or Other Than Collision

This pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like damage from flooding, rock chips in glass, a tree branch falling on your vehicle and fire damage. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

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Buy Smart and Save

When buying insurance coverage, you should never reduce coverage to reduce premium. There have been many situations where someone dropped liability limits or collision coverage only to regret that a couple dollars of savings turned into a financial nightmare. The aim is to find the BEST coverage for the lowest price while still protecting your assets.

We just presented a lot of techniques to reduce 2004 Ford Focus insurance premium rates online. The key thing to remember is the more quotes you get, the better chance you’ll have of finding the cheapest insurance coverage. You may even discover the best price on auto insurance is with a small local company. Some small companies often have lower prices on specific markets than their larger competitors like State Farm or Progressive.

For more information, take a look at these articles:

• Child Safety Seats (Insurance Information Insitute)
• Who Has Cheap Auto Insurance Quotes for a Ford Focus in Orlando? (OrlandoInsure.com)
• Red Light Cameras (State Farm)
• Preventing Carjacking and Theft (Insurance Information Insitute)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Choosing a Car for Your Teen (State Farm)

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