Cheapest 2004 Ford Focus Insurance Rates in 2023
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UPDATED: Jun 3, 2023
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Trying to find the cheapest insurance rates for your Ford Focus? Sick and tired of robbing Peter to pay Paul to insure your Ford every month? You’re in the same situation as the majority of other car owners. Many insurers compete for your insurance dollar, so it’s not easy to compare every insurance company and uncover the absolute cheapest price
It is always a good idea to get comparison quotes periodically since rates change frequently. Despite the fact that you may have had the lowest rates for Focus coverage six months ago you will most likely find a better rate today. You can find a lot of wrong information about insurance online but by reading this article, you’re going to learn the best ways to put money back in your pocket.
If you have a current auto insurance policy or are shopping for new coverage, you can use these tips to cut your premiums while maximizing coverage. Choosing the best insurance company for you is not rocket science. Drivers just need to learn the proper way to compare rates on the web.
Finding Car Insurance
All major car insurance companies such as Allstate, GEICO and Progressive give coverage prices online. Getting online rates is fairly simple as you just type in your coverage preferences into a form. Upon sending the form, their rating system orders your driving record and credit report and generates pricing information based on many factors. Online price quotes helps simplify price comparisons, but the work required to visit multiple sites and complete many quote forms can be a bit repetitive. But it’s absolutely necessary to do this if you are searching for the lowest price.
A quicker way to lower your car insurance bill requires only one form to get prices from several companies at one time. The form is fast, eliminates form submissions, and makes price shopping online much more efficient. After sending the form, it is rated and you can choose any of the quotes returned. If a lower price is quoted, you can click and sign and buy the new coverage. This process takes 15 minutes at the most and you will find out if you’re overpaying now.
To fill out one form to compare multiple rates now, simply click here to open in new window and submit your coverage information. To compare your current rates, we recommend you complete the form with coverages and limits exactly as they are listed on your policy. This ensures you are getting a fair comparison based on identical coverages.
Do auto insurance companies bend the truth?
Consumers get pounded daily by advertisements that promise big savings from companies such as Allstate, GEICO and Progressive. All the ads have a common claim about savings if you move your policy.
But how can every company make almost identical claims?
Different companies are able to cherry pick for the type of customer that makes them money. An example of a desirable insured might be between 30 and 50, has no prior claims, and has excellent credit. A driver who matches those parameters is entitled to the best price and therefore will save when switching.
Potential insureds who don’t meet the “perfect” profile will have to pay higher premiums which leads to the driver buying from a lower-cost company. The ads say “drivers who switch” not “people who quote” save that much money. That’s why insurance companies can advertise the way they do. Because of the profiling, you absolutely need to quote coverage with many companies. It’s impossible to know which auto insurance company will provide you with the cheapest Ford Focus insurance rates.
How to reduce 2004 Ford Focus insurance rates
Auto insurance companies don’t always advertise every discount in a way that’s easy to find, so we researched both the well known and also the lesser-known ways to save on insurance. If you aren’t receiving every discount possible, you are paying more than you should be.
- Seat Belts Save more than Lives – Drivers who require all occupants to wear their seat belts can save 10% or more off your medical payments premium.
- Resident Student – Children who are attending college without a vehicle on campus can be insured at a reduced rate.
- Discount for Life Insurance – Select insurance companies reward you with better rates if you take out a life insurance policy as well.
- Bundle and Save – When you combine your home and auto insurance with the same insurance company you could get a discount of 10% to 20% off each policy.
- Air Bag Discount – Cars that have air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
- Safety Course Discount – Taking a driver safety course could save 5% or more and easily recoup the cost of the course.
- Federal Employees – Simply working for the federal government could cut as much as 10% off for Focus coverage with select insurance companies.
- Accident Forgiveness – A handful of insurance companies will forgive one accident before raising your premiums as long as you don’t have any claims for a set time period.
- Drivers Ed for Students – Cut your cost by having your teen driver take driver’s ed class in school.
Consumers should know that most discount credits are not given to the entire cost. Most only apply to the cost of specific coverages such as liability and collision coverage. Even though it may seem like having all the discounts means you get insurance for free, insurance companies aren’t that generous.
Insurance companies who might offer these discounts include:
- Farmers Insurance
- State Farm
- Liberty Mutual
Before buying, ask each company which discounts you may be entitled to. All car insurance discounts may not apply in every state.
Tailor your coverage to you
When it comes to buying the best insurance coverage coverage, there is no cookie cutter policy. Every situation is different so your insurance should reflect that Here are some questions about coverages that may help you determine if you would benefit from professional advice.
- Should I sign the liability waiver when renting a car?
- Am I covered if I wreck a rental car?
- Do I have coverage when making deliveries for my home business?
- Is my 2004 Ford Focus covered for smoke damage?
- Does my policy cover me when driving someone else’s vehicle?
- What should my uninsured motorist coverage limits be in my state?
- Am I covered when driving in Canada or Mexico?
- Should I waive the damage coverage when renting a car?
- Is borrowed equipment or tools covered if stolen or damaged?
- Do I need medical payments coverage since I have good health insurance?
If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.
Car insurance coverage breakdown
Having a good grasp of a car insurance policy helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. These are typical coverage types offered by car insurance companies.
Uninsured/Underinsured Motorist (UM/UIM)
This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.
This will pay to fix damage to your Focus caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against things such as colliding with another moving vehicle, colliding with a tree, hitting a mailbox and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.
This can cover damage or injury you incur to a person or their property. This insurance protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.
Liability can pay for claims like repair costs for stationary objects, funeral expenses and medical services. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.
This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers things like damage from getting keyed, fire damage, falling objects, hitting a deer and rock chips in glass. The maximum payout your car insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Med pay and Personal Injury Protection (PIP)
Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as funeral costs, chiropractic care, EMT expenses and doctor visits. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay
More effort can pay off
You just learned some good ideas how you can lower your 2004 Ford Focus insurance rates. It’s most important to understand that the more rate quotes you have, the better chance you’ll have of finding lower rates. Consumers may even find the lowest priced insurance coverage comes from the least-expected company. Some small companies can often insure niche markets at a lower cost than their larger competitors like State Farm or Progressive.
As you restructure your insurance plan, it’s very important that you do not reduce coverage to reduce premium. In many instances, consumers will sacrifice physical damage coverage only to discover later they didn’t have enough coverage. The aim is to purchase plenty of coverage at an affordable rate.
More information can be read below:
- Understanding your Policy (NAIC.org)
- Older Driver Statistics (Insurance Information Insitute)
- Senior Drivers (Insurance Information Insitute)
- Neck Injury FAQ (iihs.org)
Frequently Asked Questions
Should I lower my coverage limits to reduce my premium?
It’s generally not recommended to lower your coverage limits solely to reduce your premium. While it may lower your premium in the short term, it can leave you financially vulnerable if you’re involved in a serious accident. It’s important to maintain sufficient coverage to protect your assets and ensure adequate financial protection.
What is the difference between medical payments coverage and personal injury protection (PIP) insurance?
Medical payments coverage (med pay) helps cover short-term medical expenses resulting from an accident, such as doctor visits and funeral costs. PIP insurance provides broader coverage and can also cover lost wages and other expenses. PIP coverage may not be available in all states.
What is comprehensive insurance and what does it cover?
Comprehensive insurance protects against damage to your vehicle caused by events such as theft, vandalism, fire, or natural disasters. It also covers damage from hitting animals and certain types of glass damage. You will need to pay a deductible, and the insurance company will cover the remaining repair or replacement costs.
What is liability insurance and how does it work?
Liability insurance covers the damage or injuries you cause to others in an accident. It includes bodily injury liability, which pays for others’ medical expenses, and property damage liability, which covers damage to others’ property. Liability insurance does not cover your own injuries or vehicle damage.
Should I consider dropping collision coverage for my 2004 Ford Focus?
The decision to drop collision coverage depends on the value of your vehicle and your personal circumstances. If your vehicle has a low market value or you can afford to pay for repairs or replacement out of pocket, you may consider dropping collision coverage to lower your premium. However, it’s important to weigh the potential cost savings against the risk of having to pay for damages yourself.
Which insurance companies might offer discounts for my 2004 Ford Focus?
Some insurance companies that might offer discounts for your Ford Focus include Farmers Insurance, State Farm, Liberty Mutual, MetLife, and Progressive. However, discounts can vary by company and state, so it’s best to check with each company directly.
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