Cheap 2003 Ford Focus 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: Nov 30, 2021

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It’s all about you. We want to help you make the right coverage choices.

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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Scraping up a payment for overpriced Ford Focus insurance can empty your bank account and put a big crunch on your finances. Comparing price quotes is a smart way to reduce premiums and put more money in your pocket.

Since consumers have many insurance coverage companies to choose from, it’s nearly impossible to find the cheapest insurance company.

Compare the Market for Auto Insurance

Performing a rate comparison can take hours if you aren’t aware of the easiest way. You can spend your afternoon discussing policy coverages with insurance companies in your area, or you can utilize online quotes to get pricing more quickly.

All the larger companies enroll in a system that enables customers to complete one form, and each participating company then gives them pricing determined by their information. This prevents consumers from doing quotation requests for each company you want a rate for. To find out how much you can save on auto insurance click here to open in new window.

The only drawback to doing it this way is you can’t choose which companies to receive prices from. If you wish to select from a list of companies to compare rates, we have a listing of auto insurance companies in your area.

However you get your quotes, ensure you’re using exactly the same coverage limits and deductibles on every quote. If the quotes have different values for each quote it will be impossible to determine the best price for your Ford Focus. Having just a slight variation in limits can mean a large discrepancy in price. Keep in mind that obtaining a wide range of quotes will increase your chances of finding better pricing.

It’s not one size fits all

When buying the best car insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is a little different so this has to be addressed. These are some specific questions might help in determining whether your personal situation may require specific advice.

  • When should I remove comp and collision on my 2003 Ford Focus?
  • Where can I find DUI or SR-22 insurance?
  • Can I afford low physical damage deductibles?
  • Do I need replacement cost coverage?
  • What companies insure drivers after a DUI or DWI?
  • Does my policy cover me when driving someone else’s vehicle?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form.

Coverage specifics

Having a good grasp of a insurance policy can help you determine the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and reading a policy is terribly boring. Listed below are typical coverage types offered by insurance companies.

Collision protection

This coverage covers damage to your Focus resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like sustaining damage from a pot hole, driving through your garage door, crashing into a building, hitting a mailbox and backing into a parked car. 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 auto coverage

This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as hail damage, damage from getting keyed, fire damage, falling objects and hitting a bird. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for liability

Liability insurance protects you from damage or injury you incur to a person or their property in an accident. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000. Another option is one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims like loss of income, bail bonds and structural damage. How much coverage you buy is your choice, but you should buy as much as you can afford.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for EMT expenses, dental work and rehabilitation expenses. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Ford Focus.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Normally these limits are similar to your liability insurance amounts.

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