Cheapest 2006 Ford Focus Insurance Rates in 2023
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UPDATED: Nov 30, 2021
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Having to pay for overpriced Ford Focus insurance can drain your bank account and force you to make sacrifices. Comparison shopping is free and is an excellent way to lower your monthly bill. Because there are so many options, it’s difficult to find the lowest cost company.
It’s a good idea to get comparison quotes on a regular basis because insurance rates trend upward over time. Despite the fact that you may have had the best price for Focus coverage on your last policy there may be better deals available now. So just forget anything you know (or think you know) about car insurance because it’s time to teach you how to use the internet to lower your annual insurance bill.
How to save on Ford Focus insurance
The price of auto insurance can be rather high, but companies offer discounts that you may not know about. Certain discounts will be applied when you get a quote, but some may not be applied and must be specially asked for before you will receive the discount. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.
- Sign Early and Save – Select companies give a discount for switching to them prior to your current policy expiration. It can save you around 10%.
- Anti-lock Brakes – Vehicles equipped with ABS or steering control prevent accidents and earn discounts up to 10%.
- Low Mileage – Fewer annual miles on your Ford can qualify you for discounted rates on garaged vehicles.
- Club Memberships – Belonging to a civic or occupational organization could trigger savings on insurance coverage for Focus coverage.
- Drive Safe and Save – Drivers who avoid accidents may receive a discount up to 45% less for Focus coverage than their less cautious counterparts.
It’s important to understand that most credits do not apply to your bottom line cost. Most only apply to the price of certain insurance coverages like comprehensive or collision. So when the math indicates you can get free auto insurance, you won’t be that lucky. But all discounts will bring down the cost of coverage.
Car insurance companies that may offer these benefits are:
- State Farm
- American Family
- 21st Century
Before buying, ask each company which discounts you may be entitled to. All car insurance discounts may not be available everywhere.
How to Compare Auto Insurance
Getting a lower price on 2006 Ford Focus insurance can be quick and easy. Consumers just need to invest a little time comparing rate quotes from different insurance companies. This is very easy and can be done in a couple of different ways.
- One of the best ways to get the best comparison quotes is a comparison rater form like this one (opens in new window). This form saves time by eliminating separate quote forms for each company. A single form will get you price quotes from many national carriers.
- A slightly less efficient method to shop for auto insurance online requires visiting the website for each individual company to complete their respective quote request forms. For instance, we’ll assume you want to compare GEICO, State Farm and Travelers. You would have to spend time on each company’s site to input your insurance information, which is why the first method is more popular.
- The least recommended method of getting rate comparisons is driving to and from local insurance agencies. Shopping for auto insurance online can eliminate the need for a local agent unless you want the professional advice only provided by licensed agents. Drivers can price shop online but still have the advice of a local agent and we’ll cover that in a bit.
It doesn’t matter which method you choose, just make absolute certain that you use exactly the same deductibles and coverage limits for each comparison quote. If you are comparing different limits and deductibles on each one it will be next to impossible to find the best deal for your Ford Focus.
Ford Focus rates are complex
Consumers need to have an understanding of the factors that go into determining your insurance coverage rates. Having a good understanding of what determines base rates allows you to make educated decisions that will entitle you to much lower annual insurance costs.
Listed below are some of the items companies use to determine prices.
- Your location affects your rates – Being located in small towns and rural areas has it’s advantages when buying insurance coverage. Drivers in populated areas have congested traffic and longer commutes to work. Fewer people means a lower chance of having an accident and a lower car theft rate.
- Multi-policy discounts can save money – Most companies give discounts to insureds who buy several policies from them in the form of a multi-policy discount. If you currently are using one company, it’s still a good idea to compare rates to make sure you are getting the best deal. You may still be able to find better rates by buying insurance coverage from a different company.
- Liability coverage is cheap – Liability coverage is the protection in the event that a court rules you are at fault for causing damage or personal injury in an accident. Liability insurance provides legal defense coverage starting from day one. Liability is cheap when compared with rates for comp and collision, so do not cut corners here.
- Your job and insurance rates – Did you know your occupation can influence how much you pay for insurance coverage? Jobs such as doctors, social workers and financial analysts are shown to have higher average rates due to stressful work requirements and long work hours. Conversely, jobs such as scientists, engineers and homemakers pay the least for Focus coverage.
- Add-on coverages can add up – There are a ton of extra coverages you can purchase on your Focus policy. Things like personal injury protection, better glass coverage and membership fees are some examples. They may seem like a good idea when you first buy your policy, but your needs may have changed so remove them from your policy.
- Lower rates with optional equipment – Choosing a vehicle with anti-theft technology or alarm system can help bring down rates. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart auto theft.
- Marriage pays dividends – Getting married actually saves money on your insurance coverage policy. Having a significant other translates into being more mature than a single person it has been statistically shown that married couples file fewer claims.
- A lapse in coverage is a bad thing – Letting your insurance expire is a guaranteed way to trigger a rate increase. Not only will rates go up, but not being able to provide proof of insurance can result in a revoked license or a big fine.
Tailor your coverage to you
When choosing proper insurance coverage, there really is no single plan that fits everyone. Each situation is unique so this has to be addressed. For instance, these questions may help you determine whether or not you could use an agent’s help.
- Can I afford low physical damage deductibles?
- Should I bundle my homeowners policy with my auto?
- Should I get collision insurance on every vehicle?
- Do I have any recourse if my insurance company denies a claim?
- Should I file a claim if it’s only slightly more than my deductible?
- Is my state a no-fault state?
- Does my insurance cover a custom paint job?
- Am I covered when using my vehicle for business?
- What is the minimum liability in my state?
- What is covered by UM/UIM coverage?
If it’s difficult to answer those 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.
Educate yourself about insurance coverages
Having a good grasp of a insurance policy can help you determine the best coverages and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement. These are typical coverage types found on the average insurance policy.
Comprehensive or Other Than Collision
This pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims such as hitting a bird, hitting a deer and falling objects. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Ford Focus.
Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Usually these limits are set the same as your liablity limits.
Liability insurance provides protection from damage or injury you incur to a person or their property that is your fault. It protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Some companies may use a combined single limit or CSL that pays claims from the same limit without having the split limit caps.
Liability coverage pays for claims like pain and suffering, structural damage, repair costs for stationary objects, bail bonds and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.
Medical costs insurance
Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as surgery, pain medications and funeral costs. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants and also covers getting struck while a pedestrian. PIP is not available in all states and may carry a deductible
Auto collision coverage
This covers damage to your Focus caused by collision with an object or car. A deductible applies and then insurance will cover the remainder.
Collision coverage pays for claims such as hitting a mailbox, rolling your car, crashing into a ditch and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to increase the deductible to bring the cost down.
Pennies from heaven
Affordable 2006 Ford Focus insurance can be bought on the web and with local insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some car insurance companies do not offer online quoting and these small insurance companies work with independent agents.
We just covered quite a bit of information on how to lower your insurance rates. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. Drivers may discover the best prices are with the smaller companies. These companies may only write in your state and offer lower rates than the large multi-state companies such as Allstate, GEICO and Progressive.
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