Cheap 2007 Ford Focus Insurance Rates

Looking for the cheapest car insurance rates for your Ford Focus? Are you sick and tired of robbing Peter to pay Paul to buy car insurance? You are no different than many other drivers.

Multiple car insurance companies compete for your insurance dollar, and because of this it can be hard to compare car insurance companies and uncover the absolute best rate

Consumers should take time to get comparison quotes before your policy renews since prices are rarely the same from one policy term to another. Even if you got the lowest price for Focus insurance two years ago you may be paying too much now. You can find a lot of information about car insurance online, but you can learn some great ways to save money.

If you currently have a car insurance policy, you will most likely be able to save some money using these methods. Buying car insurance is not that difficult. Nevertheless, consumers must comprehend the methods companies use to sell insurance online and apply this information to your search.

Buy car insurance online

When looking for affordable insurance quotes, there are a couple ways of comparing price quotes from many car insurance companies in your state. The best method to lower the rate you pay for 2007 Ford Focus insurance is simply to get online rate quotes. It’s really quite simple and can be done using a couple different methods.

1. Without a doubt, the easiest way to find low rates is an all-inclusive rate comparison click here to open form in new window. This quick form keeps you from doing repetitive form submissions for every car insurance company. A single form gets rate comparisons instantly.
2. A more difficult way to compare prices consists of going to each company’s website and get a separate price quote. For instance, we’ll assume you want to view quotes from Geico, State Farm and Liberty Mutual. You would have to spend time on each company’s site and repeatedly type in your coverage information, which is why the first method is quicker.

   For a list of links to insurance companies in your area, click here.

It’s up to you how you get prices quotes, just be sure you’re using equivalent coverages and limits for each comparison quote. If you use mixed coverages it will be next to impossible to determine the lowest rate for your Ford Focus. Even a minor difference in insurance coverages may cause a big price difference. Keep in mind that comparing more rates from different companies provides better odds of finding the best rates. Not every company does price estimates online, so you should also compare price quotes from them, too.

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Smart choices result in lower insurance premiums

A large part of saving on insurance coverage is knowing the rating factors that are used to determine the level of your policy premiums. If you have some idea of what controls the rates you pay, this allows you to make good choices that may result in cheaper rates.

• Cheaper rates by bundling – Some insurers provide discounts to people that buy multiple policies such as combining an auto and homeowners policy. Discounts can add up to five, ten or even twenty percent. Even with this discount applied, you may still want to check prices from other companies to help ensure you have the lowest rates. You may still be able to find a better deal by buying insurance coverage from a different company.
• Don’t buy add-on coverages you don’t need – There are a ton of extra add-on coverages that sound like a good idea at the time when buying insurance coverage. Things like rental car coverage, accident forgiveness, and term life insurance are some examples. They may seem like a good idea initially, but if they’re wasting money remove them and pocket the money.
• Expect high rates for teens – More mature drivers tend to be more responsible, file fewer claims and receive fewer citations.Drivers with little experience are statistically shown to be easily distracted when driving therefore insurance coverage rates are much higher.
• Vocation can influence rates – Careers like lawyers, social workers and dentists have the highest average rates attributed to high stress levels and lengthy work days. Conversely, professions such as scientists, engineers and the unemployed get better rates for Focus insurance.
• High physical damage deductibles equal low rates – Comp and collision deductibles state the amount of money you are required to spend before a claim is paid by your company. Insurance for physical damage, also called ‘full coverage’, covers damage that occurs to your car. A few examples of covered claims are rearending another vehicle, vandalism, and damage from wind. The more you choose to pay out-of-pocket, the lower your rates will be for Focus insurance.
• Do safer cars cost less to insure? – Safer cars cost less to insure. Safer cars reduce the chance of injuries and lower rates of occupant injuries means your insurance company pays less which can result in lower premiums. If your Ford Focus has ratings of a minimum four stars on Safercar.gov it is probably cheaper to insure.
• A linsurance coverage policy lapse is a bad thing – Driving with no insurance can get you a ticket and your next policy will cost more because you let your insurance lapse for non-payment. And not only will your rates increase, the inability to provide proof of insurance will get you a fine, jail time, or a revoked license.
• The higher your credit rating the lower your costs – An insured’s credit score is a large factor in determining your rates. If your credit rating is low, you could save money insuring your 2007 Ford Focus by taking the time to improve your credit score. People that have good credit tend to be less risk to insure than drivers with lower credit ratings.

Pay discount rates with these discounts

Insurance can cost an arm and a leg, but you might find some hidden discounts to reduce the price significantly. Certain discounts will be triggered automatically at the time you complete a quote, but once in a while a discount must be specifically requested in order for you to get them.

• Paperless Signup – Some of the larger companies may give you up to $50 for buying your policy over the internet.
• Air Bags and Passive Restraints – Cars that have air bags or automatic seat belts can receive discounts as much as 30%.
• Active Military Service – Having a family member in the military can result in better rates.
• Pay Now and Pay Less – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can avoid the installment charge.
• Professional Memberships – Affiliation with a qualifying organization is a simple method to lower premiums when shopping for car insurance.
• Claim-Free Discount – Drivers with accident-free driving histories get the best car insurance rates when compared to drivers with a long claim history.

We need to note that most of the big mark downs will not be given to all coverage premiums. Most only reduce specific coverage prices like liability, collision or medical payments. So even though you would think all the discounts add up to a free policy, you’re out of luck.

Auto insurance companies that have some of the discounts shown above include:

• State Farm
• Esurance
• Progressive
• Liberty Mutual
• Auto-Owners Insurance
• Geico

When getting a coverage quote, ask each company or agent which discounts can lower your rates. Depending on the company, some discounts may not apply to policyholders in every state. To see a list of companies that offer discounts, click here to view.

Your situation helps dictate your coverage

When it comes to choosing adequate coverage for your personal vehicles, there isn’t really a cookie cutter policy. Every situation is different so your insurance needs to address that. For example, these questions might help in determining whether your personal situation may require specific advice.

• Do I need to file an SR-22 for a DUI in my state?
• If my 2007 Ford Focus is totaled, can I afford another vehicle?
• Am I covered when driving on a suspended license?
• Is my Ford Focus covered if I use it for business?
• Are my friends covered when driving my 2007 Ford Focus?
• Will filing a claim cost me more?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.

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Insurance coverage options for a Ford Focus

Learning about specific coverages of your insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Insurance terms can be confusing and nobody wants to actually read their policy. These are the usual coverages offered by insurance companies.

Liability car insurance

Liability insurance can cover injuries or damage you cause to people or other property by causing an accident. It protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things like emergency aid, structural damage, attorney fees and funeral expenses. The amount of liability coverage you purchase is up to you, but buy as high a limit as you can afford.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as fire damage, damage from a tornado or hurricane and theft. The highest amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for bills for hospital visits, prosthetic devices and ambulance fees. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

UM/UIM Coverage

Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Ford Focus.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Collision insurance

Collision insurance covers damage to your Focus resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as crashing into a ditch, colliding with another moving vehicle, crashing into a building and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also bump up the deductible to get cheaper collision coverage.

Final thoughts

Throughout this article, we presented many ideas to save on 2007 Ford Focus insurance. The key thing to remember is the more providers you compare, the higher your chance of finding cheap insurance. You may even discover the lowest priced insurance comes from a smaller regional carrier. They may cover specific market segments cheaper compared to the large companies like Allstate, Geico and Progressive.

Cost effective 2007 Ford Focus insurance can be sourced from both online companies and from local insurance agents, so you need to quote insurance with both to have the best chance of lowering rates. Some insurance companies may not offer internet price quotes and usually these regional carriers only sell coverage through independent agencies.

Helpful information

• Auto Insurance Basics (Insurance Information Insitute)
• What Insurance is Cheapest for a Ford Focus in Pittsburgh? (QuotePittsburgh.com)
• Side Impact Crash Tests (iihs.org)
• How do I File a Claim? (Insurance Information Insitute)
• Collision Coverage (Liberty Mutual)
• Eight Auto Insurance Myths (Insurance Information Insitute)
• Older Drivers FAQ (iihs.org)

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