2018 Ford Focus Car Insurance Rates

Trying to find the cheapest insurance rates for your Ford Focus? Sick and tired of trying to scrape together enough money to pay your insurance bill each month? You’re in the same situation as many other consumers. Many auto insurance companies vie for your insurance dollar, so it can be very hard to choose a provider to find the cheapest price

It’s a good habit to get comparison quotes quite often due to the fact that insurance prices trend upward over time. Even if you got the best deal for Focus coverage six months ago a different company probably has better rate quotes today. Forget all the misinformation about insurance because I’m going to teach you the things you must know in order to find better rates and still maintain coverage.

Ways to get insurance coverage quotes

Getting low cost 2018 Ford Focus insurance coverage pricing can be surprisingly simple. Drivers just need to invest a few minutes comparing rate quotes from online providers. It’s super easy and can be done by following the guidelines below.

The recommended way to get quotes would be an industry-wide quote request form click to view form in new window. This easy form eliminates the need for separate quote forms to each individual insurance coverage company. Taking the time to complete one form gets rate comparisons from several companies.

A different way to get comparison quotes requires visiting each company’s website and fill out a new quote form. For instance, we’ll pretend you want to compare prices for State Farm, Safeco and GMAC. To get each rate you have to spend time going to each site individually and type in your information over and over, which is why most consumers use the first method. For a handy list of car insurance company links in your area, click here.

The hardest way to get comparison rates is driving to insurance agencies in your area. Quoting and buying insurance online makes this unnecessary unless you have a complicated situation and need the professional assistance only provided by licensed agents. You can, however, comparison shop online but buy from a local insurance agent.

However you get your quotes, be sure to compare exactly the same quote information on every quote you get. If you are comparing different liability limits then you won’t be able to truly determine the lowest rate.

Different people need different car insurance coverages

When buying the right insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For example, these questions can aid in determining if your situation may require specific advice.

• How many claims can I have before being cancelled?
• When would I need additional glass coverage?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• What are the financial responsibility laws in my state?
• Is my trailer covered?
• I have a DUI can I still get coverage?
• What if I total my 2018 Ford Focus and owe more than it’s worth?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and you can get the answers you need.

What insurance coverages do you need?

Knowing the specifics of your policy can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. These are the normal coverages available from insurance companies.

Liability – Liability insurance provides protection from damage or injury you incur to people or other property by causing an accident. This coverage protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability can pay for things such as loss of income, pain and suffering, medical expenses and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Uninsured and underinsured coverage – This provides protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and damage to your 2018 Ford Focus.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as nursing services, doctor visits and surgery. They are often utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverages – This coverage covers 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 protects against claims like hitting a parking meter, colliding with a tree, sustaining damage from a pot hole, crashing into a ditch and crashing into a building. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also bump up the deductible to bring the cost down.

Comprehensive coverages – This coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like vandalism, rock chips in glass, damage from flooding, hitting a deer and hitting a bird. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.