Compare 2003 Ford Focus Insurance Quotes

Looking for cheaper car insurance rates? Shoppers have options when shopping for the best price on Ford Focus insurance. They can either waste time struggling with agents to compare prices or leverage the internet to make rate comparisons. There are more efficient ways to buy car insurance and we’ll show you the best way to quote coverages for a new or used Ford and get the best price possible from both online companies and local agents.

It’s a good idea to do rate comparisons before your next renewal because rates are usually higher with each renewal. Just because you had the lowest rate for Focus insurance two years ago other companies may now be cheaper. There is a lot of wrong information about car insurance online, but you can learn some of the best techniques to lower your car insurance rates.

Cheapest car insurance price quotes

Getting cheap 2003 Ford Focus car insurance pricing is actually quite simple. The only requirement is to spend a few minutes on the computer comparing free auto insurance quotes to find out which insurance company has cheap auto insurance quotes. Shoppers can get rates by following the guidelines below.

1. The fastest way consumers can analyze rates would be an industry-wide quote request form like this one (opens in new window). This quick form saves time by eliminating separate quotes for every car insurance company. One quote request compares rates from all major companies.It’s the quickest way to get rates.
2. A harder way to find lower rates is to manually visit the website for every company you want to comare and repeat the quote process. For examples sake, we’ll pretend you want to get rates from Liberty Mutual, Esurance and Farmers. You would need to spend time going to each site individually and repeatedly type in your coverage information, which can take a lot of time.

   To view a list of companies in your area, click here.

Whichever method you choose, make absolute certain that you use identical coverages with each company. If you enter higher or lower deductibles it will be next to impossible to find the best deal for your Ford Focus.

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Cut your insurance coverage rates with discounts

Companies that sell car insurance do not list every policy discount in an easy-to-find place, so the next list breaks down both well-publicized as well as some of the hidden discounts you could be receiving when you buy auto insurance online. If you do not check that you are getting every discount available, you are paying more than you should be.

• Switch and Save Discount – A few larger companies offer discounts for buying a new policy before your current expiration date. The savings is around 10%.
• Accident Forgiveness – This isn’t a discount exactly, but a few companies such as State Farm, Progressive and Geico allow you one accident without getting socked with a rate hike so long as you haven’t had any claims prior to being involved in the accident.
• Use Seat Belts – Requiring all passengers to use a seat belt may be able to save a few bucks on the premium charged for medical payments and/or PIP.
• Sign Online – Some larger companies will give you a small discount for completing your application on the internet.
• Theft Deterent System – Cars and trucks that have factory anti-theft systems are stolen with less frequency and therefore earn up to a 10% discount.
• Defensive Driver Discount – Taking a driver safety course could save 5% or more and also improve your driving technique.
• Good Student Discount – Performing well in school can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.
• Drive Less and Save – Low mileage vehicles may allow you to get lower premium rates on the low mileage vehicles.

As is typical with insurance, most discounts do not apply to the entire policy premium. Most cut individual premiums such as comprehensive or collision. So even though it sounds like you could get a free insurance coverage policy, it’s just not the way it works.

Insurance companies that may offer quotes with these money-saving discounts include:

• 21st Century
• State Farm
• AAA
• Liberty Mutual
• Progressive

It’s a good idea to ask all the companies which credits you are entitled to. Discounts may not apply to policyholders in your area. To see insurers that offer multiple discounts, click here.

You are unique and your car insurance should be too

When it comes to choosing the best car insurance coverage, there is no “perfect” insurance plan. Every insured’s situation is different.

For instance, these questions could help you determine whether you would benefit from professional advice.

• What is the difference between comprehensive and collision coverage?
• What can I do if my company denied a claim?
• Is my 2003 Ford Focus covered for flood damage?
• How does medical payments coverage work?
• Do all my vehicles need collision coverage?
• Does my insurance cover my expensive audio equipment?
• Is my teen driver covered when they drive my company car?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and may give you better protection.

Specific coverage details

Knowing the specifics of your policy can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as a tree branch falling on your vehicle, rock chips in glass, hitting a deer, damage from flooding and hitting a bird. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Auto liability

This will cover damage that occurs to people or other property. It protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability can pay for claims such as funeral expenses, pain and suffering, court costs, structural damage and bail bonds. How much coverage you buy is up to you, but you should buy as much as you can afford.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like doctor visits, funeral costs, nursing services and ambulance fees. They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and damage to your Ford Focus.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision protection

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as rolling your car, crashing into a building and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

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Take this to the bank

People who switch companies do it for a number of reasons such as poor customer service, denial of a claim, policy non-renewal and not issuing a premium refund. Whatever your reason, finding a new company can be pretty painless.

We just showed you some good ideas how you can shop for 2003 Ford Focus insurance online. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers may even find the lowest car insurance rates are with a smaller regional carrier.

Lower-priced insurance coverage can be sourced both online and from local insurance agents, so you need to shop auto insurance with both to have the best chance of lowering rates. There are still a few companies who don’t offer online quoting and usually these small, regional companies sell through independent insurance agents.

More detailed insurance coverage information is located at these sites:

• Car Insurance FAQ (Trusted Choice)
• Teen Driver Statistics (Insurance Information Insitute)
• What Does No-Fault Insurance Cover? (Allstate)
• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• What to do at the Scene of an Accident (Insurance Information Insitute)
• Shopping for a Safe Car (Insurance Information Insitute)

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