Three Steps to Paying Less for Ford Focus Insurance
If buying car insurance was fun, we'd do it as a recreational sport. But the reality is, it's a chore for most people and we seem to always end up paying more than we want to. You probably feel the same way about finding lower cost coverage for your Ford Focus.
Step One: Insurance Quotes
If it's been a few years since you shopped for car insurance, you might still think the only way to buy is from a local agent. Thanks to the internet, insurance shopping is a whole lot easier!
All the major car insurance companies sell insurance for a Ford Focus and you can compare their rates by entering your information only one time.
Simply click the link below to enter your information. Once complete, you can compare the returned rates and make a decision on which policy to purchase.
Same Limits on Quotes! This tip is very important. The only way to accurately compare rates on your Focus is to use the same limits of liability as well as deductibles on physical damage coverage. You won't be able to compare rates if you use different values on your quotes.
Step Two: How to Insure your Focus for Less
Once you have quotes in hand, you can then consider some of the other techniques for lowering your Focus insurance rates.
- Check your credit rating each year and address any problem areas. Higher credit scores mean lower car insurance rates.
- Consider raising your comprehensive and collision deductibles if you carry full coverage. By accepting more risk yourself, your car insurance company will cut you a break on your physical damage premiums.
- If you have tended to file small claims with your car insurance company in the past, you're most likely going to pay higher premiums in the future. Consider paying minor claims out-of-pocket instead of blemishing your claim history.
- If you are a senior citizen or belong to a particular professional organization, you may qualify for a break on insurance.
- Minor driving violations such as speeding tickets can cause your rates to go up. Too many violations in a short period of time will cause your policy to be non-renewed.
- If your city or county offers a driver's safety course, find out if your insurance company will give you a discount to complete it. It could save you up to 10%.
- If you have a period where you don't have any insurance coverage, that's called a lapse. The longer the lapse, the more you'll pay to reinstate coverage.
- Equipping your Ford with available safety features such as air bags and passive restraints allows you to take advantage of additional discounts.
- Thieves tend to steal certain makes and models of vehicles more than others, and if your car is on that list, expect to pay higher insurance rates because of it.
- Youthful or teen drivers that are rated on any vehicle will cost more. The inexperience and tendancy to enjoy going fast is a recipe for an accident.
- Renting a house or apartment rather than owning a home may keep you from paying the lowest rates on car insurance. Home ownership is viewed as being more financially responsible than renting.
Step Three: Select the Best Company for Your Needs
Once you have compared identical rate quotes for your Focus and made a decision on deductibles, coverages and other policy options, you are ready to buy your policy with the new company.
It's easiest to cancel an old policy at the renewal date, but you can cancel it anytime. Just make sure you have the new policy effective the date you cancel your old policy in order to avoid any lapse in coverage.
If you already have a car insurance policy, then your Ford Focus will be covered as soon as your purchase it. If this is your first vehicle, you will want to make sure you have coverage in place as soon as your purchase it. If your current policy has any vehicle with full coverage (comprehensive and collision), then your new Focus will have that coverage extended to it. If you only have liability coverage on your policy, then you have no physical damage coverage on your new purchase.
After completing your policy purchase, you can print out the proof-of-insurance card to place in your car. Always keep the current card available in case requested by law enforcement or if you are in an accident. If an SR-22 is required due to a reckless driving conviction, DUI or conviction of driving without insurance, make sure your new company is aware of that. Not filing a court-ordered SR-22 can result in suspension of your driver's license.
Additional Insurance Information
The Insurance Information Institute is the industry authority for consumer car insurance information.