How Much Does 2006 Ford Focus Car Insurance Cost?

Finding the best price on auto insurance may appear to be difficult at first if you are one of the many people new to online price quotes. But don’t be overwhelmed because online price shopping is actually quite simple.

It’s important to get comparison quotes on a regular basis because auto insurance prices are usually higher with each renewal. Just because you found the lowest rates for Focus insurance last year you can probably find a lower rate today. You’ll find a ton of advice on auto insurance out there, but in just a couple of minutes you can learn some solid techniques on how to lower your auto insurance rates.

Insurance prices are influenced by these factors

It’s important that you understand some of the elements that play a part in calculating the level of your policy premiums. When you know what positively or negatively controls the rates you pay, this enables informed choices that will entitle you to cheaper rates.

The items below are some of the things companies use to determine your rates.

• Lower stress equals lower rates – Did you know that where you work can have an impact on rates? Jobs like military personnel, social workers and emergency personnel usually pay higher average rates attributed to intense work requirements and lengthy work days. On the other hand, occupations like farmers, students and the unemployed pay the least for Focus insurance.
• Stay claim-free and reduce prices – If you are the type of insured that files lots of claims you should expect higher premiums or even policy non-renewal. Companies generally give better rates to drivers who are not frequent claim filers. Your car insurance is meant to be used in the event of claims that you cannot pay yourself.
• A linsurance lapse is a bad thing – Not having insurance is not a good idea and insurance companies will penalize you for letting your insurance lapse for non-payment. In addition to paying higher premiums, not being able to provide proof of insurance can result in a hefty fine and possibly a revoked license.
• Avoid unnecessary extra policy coverages – Insurance companies have many add-on coverages that can waste your money but may not be useful. Coverages for rental car reimbursement, death and dismemberment, and term life insurance are probably not needed. They may seem good when you first buy your policy, but if they’re wasting money eliminate the coverages to reduce your premium.
• Bundle policies and save money – Some insurers give lower prices to policyholders that buy multiple policies such as combining an auto and homeowners policy. The discount can add up to ten or even fifteen percent. Even if you’re getting this discount it’s always a smart idea to compare other company rates to help ensure you have the lowest rates. Consumers may save even more by splitting coverages up.
• Liability insurance risk factors in – Your insurance policy’s liability coverage is the coverage that protects you in the event that a court rules you are at fault for physical damage or personal injury to other. It provides legal defense coverage to attempt to prove you were not liable. Liability insurance is quite affordable compared to physical damage coverage, so drivers should make sure they buy enough to cover all assets.
• How old are your drivers? – Youthful drivers tend to be more careless when driving so insurance rates are higher. Parents adding a young driver to your insurance policy will cause a huge premium hike. Mature drivers are proven to be safer behind the wheel, cause fewer claims and accidents , and are generally more financially stable.

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Take advantage of every insurance coverage discount

Not many people think insurance is cheap, but discounts can save money and there are some available that many people don’t even know exist. A few discounts will be applied when you complete an application, but a few must be specially asked for before they will apply.

• Accident Forgiveness Coverage – Not necessarily a discount, but certain companies allow you one accident before your rates go up so long as you are claim-free for a specific time period.
• Theft Prevention Discount – Cars equipped with anti-theft or alarm systems are stolen less frequently and therefore earn up to a 10% discount.
• Active Service Discounts – Having a deployed family member could mean lower premium rates.
• Bundle and Save – If you can bundle your auto and home insurance and place coverage with the same company they may give you a discount of up to 20% off your total premium.
• Include Life Insurance and Save – If the company offers life insurance, you could get lower premium rates if you buy a life insurance policy as well.
• Anti-lock Brake System – Cars and trucks that have anti-lock braking systems have fewer accidents and qualify for as much as a 10% discount.
• College Student – Older children who are enrolled in a college that is more than 100 miles from home and won’t have access to an insured vehicle may be able to be covered for less.
• Passive Restraints and Air Bags – Vehicles with factory air bags or motorized seat belts can qualify for discounts as much as 30%.
• Safety Course Discount – Completing a course in driver safety can save you 5% or more and make you a better driver.
• Pay Early and Save – By paying your policy upfront rather than spreading payments over time you may have a lower total premium amount.

Remember that most credits do not apply the the whole policy. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So despite the fact that it appears it’s possible to get free car insurance, insurance coverage companies aren’t that generous. Any amount of discount will definitely reduce your policy premiums.

Car insurance companies that may offer quotes with these discounts are:

• American Family
• Nationwide
• MetLife
• 21st Century
• Farmers Insurance
• Allstate

If you need low cost insurance quotes, ask every insurance company which discounts you qualify for. Some discounts listed above might not be offered on policies in your area. If you would like to choose from a list of insurance coverage companies who offer online insurance coverage quotes, click here to view.

How to know if you need help

When buying coverage, there is no one size fits all plan. Coverage needs to be tailored to your specific needs.

For instance, these questions can help discover whether you would benefit from an agent’s advice.

• Am I insured when driving a different vehicle?
• Are split liability limits better than a combined single limit?
• Can I still get insurance after a DUI?
• What is UM/UIM insurance?
• What happens if I owe more than my 2006 Ford Focus is worth?
• Do I need added coverage for expensive stereo equipment?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.

Insurance coverages and their meanings

Having a good grasp of insurance can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like hospital visits, funeral costs and prosthetic devices. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and damage to your Ford Focus.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually these coverages do not exceed the liability coverage limits.

Collision coverages – This will pay to fix damage to your Focus resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims like backing into a parked car, rolling your car, sideswiping another vehicle and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to increase the deductible to bring the cost down.

Comprehensive insurance – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as hitting a bird, damage from a tornado or hurricane, a broken windshield, damage from getting keyed and fire damage. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Liability coverage – This protects you from damage that occurs to a person or their property in an accident. This coverage protects you against other people’s claims, 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. As an example, you may have limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as attorney fees, medical services, court costs and structural damage. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.

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Take this to the bank

As you go through the steps to switch your coverage, don’t be tempted to skimp on critical coverages to save a buck or two. There have been many cases where someone dropped liability coverage limits only to regret that it was a big error on their part. Your aim should be to purchase a proper amount of coverage at the best possible price but still have enough coverage for asset protection.

Insureds switch companies for a variety of reasons including policy cancellation, being labeled a high risk driver, lack of trust in their agent and delays in paying claims. It doesn’t matter what your reason, finding the right auto insurance provider is easier than you think.

You just read a lot of information how to compare 2006 Ford Focus insurance car insurance rates online. It’s most important to understand that the more rate comparisons you have, the better your chances of lowering your premium rates. Consumers may even find the best price on auto insurance is with a small mutual company.

To learn more, feel free to browse the articles below:

• Drunk Driving Statistics (Insurance Information Insitute)
• How Much are Auto Insurance Rates for a Ford Focus in Milwaukee? (MilwaukeeInsure.com)
• Car Insurance FAQ (Trusted Choice)
• Property Damage Coverage (Liberty Mutual)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)

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