Cheapest 2005 Ford Focus Insurance Rates in 2023

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 3, 2023

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Consumers have many options when looking for low-cost Ford Focus insurance. You can either spend your time contacting agents to compare prices or utilize the internet to get rate quotes.

There are more efficient ways to find insurance coverage online so you’re going to learn the quickest way to quote coverages for a Ford and obtain the lowest possible price from both online companies and local agents.

If you have a policy now or need a new policy, you can learn to get lower rates while maintaining coverages. This information will introduce you to the most effective way to quote insurance and some tips to save money. Vehicle owners just need to know the best way to compare rates over the internet.

The most recommended method to compare car insurance rates is to realize most larger insurance companies pay for the opportunity to give you rate quotes. All consumers are required to do is provide details like if your license is active, distance driven, how much education you have, and your job. The rating information is instantly provided to many different companies and you should receive rate quotes instantly to find the best rate.

To compare rates now, click here and enter your zip code.

Take advantage of discounts

The cost of insuring your cars can be expensive, but you may find discounts to help bring down the price. Certain discounts will be applied when you complete an application, but a few need to be specifically requested before you will receive the discount. If you’re not getting every credit available, you are throwing money away.

  • Safe Drivers – Safe drivers can get discounts for up to 45% lower rates on Focus insurance than their less cautious counterparts.
  • Multiple Policy Discount – When you combine your home and auto insurance with the same company you will save up to 20% off your total premium.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save 5% or more.
  • College Student – Children who are attending college and do not have access to a covered vehicle may be able to be covered for less.
  • Driver’s Ed – Require your teen driver to take driver’s ed class if offered at their school.
  • Discount for Swiching Early – Some companies give discounts for signing up before your current policy expires. The savings is around 10%.
  • Theft Prevention Discount – Cars that have factory anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Club Memberships – Being a member of a professional or civic organization may earn a discount on your policy on Focus insurance.
  • Homeowners Pay Less – Being a homeowner may earn you a small savings because owning a home demonstrates responsibility.

It’s important to note that most credits do not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like medical payments or collision. So even though they make it sound like having all the discounts means you get insurance for free, it doesn’t quite work that way. But any discount will bring down your premiums.

A partial list of companies that may offer these benefits include:

  • Farmers Insurance
  • State Farm
  • Liberty Mutual
  • MetLife
  • Progressive

Double check with each insurance company which discounts they offer. Some discounts might not be offered in your area.

How to know if you need help

When choosing the best auto insurance coverage for your personal vehicles, there is no cookie cutter policy. Your needs are not the same as everyone else’s.

For example, these questions could help you determine whether you might need an agent’s assistance.

  • Should I have a commercial auto policy?
  • Exactly who is provided coverage by my policy?
  • Will I lose any money if I cancel my policy before it expires?
  • Are my friends covered when driving my 2005 Ford Focus?
  • Am I getting all the discounts available?
  • When does my teenage driver need to be added to my policy?
  • Where can I get insurance after a DUI in my state?
  • I have health insurance so do I need medical payments coverage?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form. It’s fast, free and can help protect your family.

These factors can influence Ford Focus insurance rates

Smart consumers have a good feel for some of the elements that come into play when calculating insurance coverage rates. Understanding what determines base rates helps enable you to make changes that could result in much lower annual insurance costs.

The list below includes a few of the “ingredients” that factor into premiums.

  • Pleasure use or commuting – The more you drive in a year’s time the more you’ll pay to insure your vehicle. Most companies charge to insure your cars based on how the vehicle is used. Vehicles not used for work or commuting receive lower rates than those used for commuting. Ask your agent if your insurance coverage policy is showing the correct driver usage, because improper ratings can cost you money. Incorrect usage on your Focus can result in significantly higher rates.
  • Do you need the policy add-ons? – There are a lot of additional coverages that you can buy when buying insurance coverage. Coverages like roadside assistance, towing coverage and motor club memberships are some examples. They may seem good initially, but if you don’t need them get rid of them and save.
  • A clean driving record saves money – Your driving citation history has a huge affect on how much you pay. Just one ticket can bump up the cost forty percent or more. Drivers who don’t get tickets have lower premiums compared to drivers with tickets. Drivers who have flagrant citations such as DUI or reckless driving may need to file a proof of financial responsibility form (SR-22) with their state DMV in order to keep their license.
  • Your location is important – Residing in a small town has it’s advantages when insuring your vehicles. Fewer people translates into fewer accidents. City drivers regularly have congested traffic and a longer drive to work. Higher commute times translates into higher accident risk.
  • Safe vehicles cost less to insure – Safer cars are cheaper to insure. Safe vehicles result in less severe injuries and better occupant protection means less money paid by your insurance company and thus lower rates. If the Ford Focus is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.

Auto insurance 101

Having a good grasp of your policy helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Comprehensive insurance

This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, theft and hail damage. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage

Collision coverage will pay to fix damage to your Focus resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like driving through your garage door, scraping a guard rail, colliding with another moving vehicle and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection when the “other guys” either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Ford Focus.

Because many people carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Frequently these limits do not exceed the liability coverage limits.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for short-term medical expenses for ambulance fees, nursing services and chiropractic care. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability coverage

Liability insurance can cover damage or injury you incur to people or other property. This coverage protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Occasionally you may see a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims like emergency aid, pain and suffering, loss of income, medical expenses and bail bonds. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford.

Saving money is sweet as honey

In this article, we covered many ways to lower your 2005 Ford Focus insurance rates. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. Drivers may discover the lowest premiums are with some of the smallest insurance companies.

Cheap insurance can be sourced both online and with local insurance agents, so compare prices from both to have the best chance of lowering rates. Some insurance companies do not offer the ability to get a quote online and these regional insurance providers work with independent agents.

People leave their current company for a number of reasons such as high rates after DUI convictions, high prices, policy non-renewal or delays in responding to claim requests. No matter why you want to switch, switching companies can be pretty painless.

More information can be found at these links:

  • Winter Driving (Insurance Information Insitute)
  • Auto Insurance for Teen Drivers (Insurance Information Insitute)
  • State Laws for Cellphones and Texting (
  • Car Insurance: When not to Skimp (
  • Car Insurance FAQ (Trusted Choice)

Frequently Asked Questions

What factors determine the insurance rates for a 2005 Ford Focus?

Several factors can influence the insurance rates for a 2005 Ford Focus, including the driver’s age, location, driving history, coverage options, deductibles, and the overall condition of the vehicle.

How can I find the cheapest insurance rates for a 2005 Ford Focus?

To find the cheapest insurance rates for a 2005 Ford Focus, you can follow these steps:

  1. Shop around: Obtain quotes from multiple insurance providers to compare prices and coverage options.
  2. Maintain a good driving record: A clean driving history with no accidents or traffic violations can help you secure lower insurance rates.
  3. Increase deductibles: Opting for a higher deductible can lower your premium, but remember to choose an amount you can comfortably afford.
  4. Inquire about discounts: Ask the insurance companies about any available discounts such as safe driver discounts, multi-policy discounts, or low mileage discounts.
  5. Consider the coverage you need: Evaluate your insurance needs and choose the coverage options that are essential for your situation. Dropping unnecessary coverage can help reduce costs.

Are there any specific insurance companies known for offering cheap rates for a 2005 Ford Focus?

Insurance rates can vary between companies, and the best option depends on your specific circumstances. However, some insurance companies known for providing competitive rates include GEICO, Progressive, State Farm, and Allstate. It’s recommended to obtain quotes from multiple providers to compare prices and coverage options.

Does the location affect the insurance rates for a 2005 Ford Focus?

Yes, the location where you live can impact your insurance rates. Urban areas with higher population densities and increased incidents of theft or accidents may have higher insurance premiums compared to rural or suburban areas with lower risk factors.

Can I lower the insurance rates for my 2005 Ford Focus by installing safety features?

Yes, installing safety features in your 2005 Ford Focus can potentially lower your insurance rates. Features such as anti-lock brakes, airbags, and anti-theft devices may make your vehicle safer and decrease the risk of accidents or theft, which insurance companies may consider when calculating premiums.

Is it possible to reduce the insurance rates for a 2005 Ford Focus by taking a defensive driving course?

Yes, completing a defensive driving course can sometimes lead to lower insurance rates. Many insurance providers offer discounts to drivers who voluntarily take recognized defensive driving courses. Contact your insurance company to inquire about available discounts and approved courses.

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