Save on 2000 Ford Focus Car Insurance Quotes

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

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Trying to find lower car insurance rates for your Ford Focus? Searching for low-cost insurance for your Ford Focus could be a painful process, but you can learn a few tricks to find lower rates. There are both good and bad ways to buy car insurance so we’re going to tell you the best way to compare rates for a new or used Ford and find the cheapest rates either online or from local insurance agents.

Consumers need to compare rates periodically because insurance rates change quite often. Even if you got the lowest price for Focus coverage a year ago you can probably find a lower rate today. Starting now, forget all the misinformation about car insurance because you’re going to get a crash course in how to use online quotes to lower your annual insurance bill.

If you have a current car insurance policy or need new coverage, you can use these techniques to reduce the price you pay and possibly find even better coverage. Finding the lowest cost protection is simple if you know the tricks. Drivers only need to know the best way to compare company rates online.

Compare Quotes for Insurance Coverage

Most companies allow you to get prices for coverage directly from their websites. Getting quotes doesn’t take much effort as you just enter your personal and coverage information into a form. When the form is submitted, their rating system will obtain reports for credit and driving violations and generates pricing information.

Being able to quote online simplifies rate comparisons, but the work required to visit a lot of sites and complete many quote forms is monotonous and tiresome. Unfortunately, it is important to perform this step in order to get better insurance coverage pricing.

Rate comparisons made easy

The smarter way to find better insurance coverage pricing makes use of a single form that gets prices from a bunch of companies at once. It saves time, requires less work, and makes comparison shopping much more enjoyable and efficient. After your information is entered, it is quoted with multiple companies and you can pick any one of the quote results. If you find a better price you can click and sign and purchase coverage. The entire process takes 15 minutes at the most and can result in significant savings.

To quickly find out how much you’re overpaying now, click here and enter your information. If you have your current policy handy, we recommend you input the limits and deductibles identical to your current policy. Using the same limits helps guarantee you will get an apples-to-apples comparison for the exact same coverage.

You probably qualify for some discounts

Companies offering auto insurance don’t always list every available discount very clearly, so we took the time to find both well-publicized as well as the least known insurance coverage savings. If you’re not getting every credit you deserve, you’re just leaving money on the table.

  • Low Mileage Discounts – Fewer annual miles on your Ford can earn a substantially lower rate.
  • Discount for Good Grades – A discount for being a good student can save 20 to 25%. This discount can apply up to age 25.
  • Seat Belt Usage – Buckling up and requiring all passengers to use their safety belts could cut 10% or more off your medical payments premium.
  • Safety Course Discount – Taking part in a defensive driving course could cut 5% off your bill depending on where you live.
  • No Claims – Drivers who don’t have accidents pay much less when compared to accident-prone drivers.
  • Federal Government Employee – Employees or retirees of the government can save as much as 8% for Focus coverage with certain companies.
  • Braking Control Discount – Vehicles equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.
  • Air Bag Discount – Vehicles with factory air bags can get savings of 20% or more.
  • Accident Waiver – A handful of insurance companies will forgive one accident before raising your premiums if your claims history is clear for a set time period.
  • 55 and Retired – If you qualify as a senior citizen, you may qualify for a small decrease in premiums for Focus coverage.

Keep in mind that most of the big mark downs will not be given to the entire cost. Most only reduce the price of certain insurance coverages like medical payments or collision. Just because you may think you would end up receiving a 100% discount, you won’t be that lucky.

To see a list of companies with the best insurance coverage discounts, click here to view.

There’s no such thing as the perfect policy

When choosing coverage for your vehicles, there really is no cookie cutter policy. Every insured’s situation is different.

These are some specific questions may help highlight if you would benefit from an agent’s advice.

  • How high should deductibles be on a 2000 Ford Focus?
  • Is business equipment covered while in my vehicle?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Should I buy only the required minimum liability coverage?
  • Is other people’s property covered if stolen from my vehicle?
  • I have health insurance so do I need medical payments coverage?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and you can get the answers you need.

Parts of your insurance policy

Understanding the coverages of your policy can be of help when determining the right coverages and proper limits and deductibles. Insurance terms can be ambiguous and reading a policy is terribly boring.

Liability coverage

This protects you from damage that occurs to a person or their property. This coverage protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things like funeral expenses, repair costs for stationary objects, medical services and structural damage. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverage protection

Collision coverage will pay to fix damage to your Focus caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things like sideswiping another vehicle, backing into a parked car, crashing into a ditch and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as vandalism, damage from flooding, hitting a deer, damage from getting keyed and rock chips in glass. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Ford Focus.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like EMT expenses, dental work, funeral costs and X-ray expenses. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible

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