2013 Ford Focus Insurance Rates – 7 Policy Discounts

Trying to find the cheapest insurance coverage rates for your Ford Focus? Tired of scraping the payment together to keep your car insured? Your situation is no different than many other consumers.

Vehicle owners have multiple car insurance companies to pick from, and even though it’s nice to have a choice, too many choices makes it more difficult to compare rates and find the lowest cost insurance coverage.

Finding the best rates is not rocket science. If you currently have car insurance, you will most likely be able to cut costs considerably using this strategy. Nevertheless, drivers must understand the way companies market insurance on the web and use this information to your advantage.

Save money by getting these seven discounts

Some companies don’t always publicize the entire discount list in an easy-to-find place, so the following list contains both well-publicized and the more hidden credits available to bring down your rates.

• Early Signing – A few larger companies give discounts for switching policies early. It’s a savings of about 10%.
• Buy New and Save – Buying a new car instead of a used car can get you a discount due to better safety requirements for newer vehicles.
• Waiver for an Accident – This one isn’t a discount, but companies like Geico and Allstate allow you one accident before your rates go up if you are claim-free prior to the accident.
• Low Mileage Discounts – Low annual miles could qualify for slightly better premium rates than normal.
• Payment Discounts – If you pay your entire premium ahead of time instead of making monthly payments you could save 5% or more.
• Bundled Policy Discount – When you combine your home and auto insurance and place coverage with the same company you could get a discount of nearly 15% which can help you find low cost car insurance.
• Homeowners Pay Less – Owning a home can save a few bucks since owning and maintaining a home requires personal responsibility.

As is typical with insurance, most of the big mark downs will not be given to your bottom line cost. Most only apply to specific coverage prices like comprehensive or collision. Even though it appears you would end up receiving a 100% discount, you won’t be that lucky.

To choose companies offering car insurance discounts, click this link.

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Save 15 percent in 15 minutes? Is it for real?

Respected companies like Progressive, Geico, Allstate and State Farm seem to constantly run television, radio, and online ads. They all seem to advertise claims that drivers will save a bundle if you move your policy. How can each company charge you a lower premium?

Insurance companies provide the lowest rates for the type of insured that will be a good risk. An example of a driver they prefer might be described as over the age of 40, has a clean driving record, and has excellent credit. Any person who fits those characteristics will get low auto insurance rates and will also cut their rates if they switch.

Drivers who cannot meet these standards must pay a higher premium which translates to the driver buying from a lower-cost company. The trick is to say “drivers that switch” not “everyone who quotes” will save that much if they switch. That is how insurance companies can advertise the way they do. This emphasizes why drivers must do a quote comparison often. It’s impossible to know with any certainty which company will have the best auto insurance rates for your profile.

Your auto insurance coverage should be tailored to you

When buying the best auto insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Everyone’s needs are different so your insurance needs to address that. For example, these questions can help discover if you will benefit from professional help.

• Does insurance cover tools stolen from my truck?
• Does my 2013 Ford Focus qualify for pleasure use?
• Do I really need UM/UIM coverage?
• Am I covered if my car is in a flood?
• Do I need added coverage for expensive stereo equipment?
• Do I have coverage if my license is suspended?
• What can I do if my company won’t pay a claim?
• Am I covered if I drive in a foreign country?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Information about specific coverages

Having a good grasp of your auto insurance policy aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverage types found on most auto insurance policies.

Comprehensive coverage – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like damage from flooding, a broken windshield, hitting a bird and vandalism. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision – This pays for damage to your Focus resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims like colliding with a tree, hitting a mailbox, crashing into a ditch, backing into a parked car and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP reimburse you for bills such as surgery, pain medications, chiropractic care, ambulance fees and hospital visits. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as damage to your Ford Focus.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Liability auto insurance – This can cover injuries or damage you cause to other’s property or people. It protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against things such as legal defense fees, funeral expenses and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

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Be a smart shopper

When shopping online for insurance coverage, do not buy less coverage just to save a little money. There are too many instances where consumers will sacrifice collision coverage only to regret that it was a big mistake. The goal is to purchase a proper amount of coverage at an affordable rate but still have enough coverage for asset protection.

We just showed you some good ideas how to lower your 2013 Ford Focus insurance prices. It’s most important to understand that the more price quotes you have, the better your comparison will be. You may be surprised to find that the lowest prices are with the least-expected company. Regional companies may cover specific market segments cheaper compared to the large companies like Allstate or State Farm.

Additional articles

• All About Airbag Safety (State Farm)
• Who Has Cheap Car Insurance Quotes for a Ford Focus in Plano? (PlanoInsure.com)
• Your Car has been Stolen: Now What? (Allstate)
• What Does No-Fault Insurance Cover? (Allstate)
• Safety Features for Your New Car (State Farm)
• Insurance Losses by Make and Model (iihs.org)

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