Lower Your 2008 Ford Focus Insurance Rates

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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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Are you tired of being strong-armed to pay your car insurance bill each month? You are in the same boat as many other drivers.

There are many insurers to pick from, and even though it’s nice to be able to choose, it makes it harder to compare company pricing.

It’s a good idea to compare rates every six months because insurance rates change regularly. If you had the best rates for Focus coverage on your last policy you will most likely find a better rate today. You can find a lot of misleading information regarding auto insurance online, so by reading this article, you’re going to learn some great ways to save money.

Buying car insurance is easy if you know what you’re doing. Basically, everyone who buys insurance will be able to lower their premiums. Nevertheless, car owners need to have an understanding of the methods companies use to market insurance on the web and use this information to your advantage.

Why your Ford Focus insurance rates may be high

An important part of buying insurance is that you know the factors that come into play when calculating your insurance coverage rates. When you know what positively or negatively controls the rates you pay empowers consumers to make smart changes that could result in much lower annual insurance costs.

  • Males pay more for insurance – Statistics demonstrate women are more cautious behind the wheel. Now that doesn’t mean men are worse drivers. They both have accidents in similar percentages, but the males tend to have more serious accidents. They also receive more costly citations like DUI and reckless driving.
  • Your stress level may be raising your rates – Occupations such as real estate brokers, business owners and dentists are shown to have the highest average rates due to stressful work requirements and lengthy work days. Other jobs such as scientists, historians and retirees pay the least for Focus coverage.
  • Teen drivers pay high rates – Mature drivers tend to be more responsible, statistically cause fewer accidents and tend to be better behind the wheel. Teenage drivers are known to be less responsible in a vehicle and because of this, their insurance coverage rates are much higher.
  • Never allow your policy to lapse – Allowing your insurance coverage policy to lapse is a guaranteed way to increase your insurance coverage rates. And not only will your rates increase, getting caught without coverage might get you a hefty fine and possibly a revoked license.
  • Pleasure use saves money – The more miles you rack up on your Ford in a year the higher your rates will be. Most insurance companies apply a rate based on how the vehicle is used. Cars and trucks left parked in the garage receive lower rates compared to those used for work or business. An improperly rated Focus can result in significantly higher rates. Make sure your insurance coverage policy properly reflects how each vehicle is driven, because improper ratings can cost you money.

Compare the Market for Car Insurance

There are several ways of comparing price quotes from local car insurance companies. The quickest method to find the cheapest 2008 Ford Focus insurance rates consists of obtaining rate quotes online. This can be done using a couple different methods.

  1. The single most time-saving way to compare a lot of rates at once is a comparison rater form click to view form in new window. This type of form prevents you from having to do separate quotation requests for each company you want a rate for. A single, simple form will get you rate comparisons from all major companies.
  2. Another way to shop for car insurance online consists of going to the website for each individual company and request a quote. For examples sake, let’s assume you want to compare rates from Allstate, Farmers and American Family. To get rate quotes you would need to spend time on each company’s site and enter your policy data, which is why most consumers use the first method.For a list of links to insurance companies in your area, click here.
  3. The least efficient method of comparing rate quotes is driving around to and from local insurance agencies. Buying insurance online can eliminate the need for a local agent unless you prefer the professional advice only provided by licensed agents. However, consumers can compare online quotes but buy from a local insurance agent and we’ll touch on that later.

It’s your choice how you get your quotes, but make sure you use apples-to-apples coverages for every company. If you are comparing different limits and deductibles on each one it’s impossible to decipher which rate is best. Slightly different insurance coverages can make a big difference in price. Keep in mind that having more price comparisons will increase your chances of finding the best price.

Discounts on Ford Focus insurance

Companies do not advertise every available discount in a way that’s easy to find, so we took the time to find both well-publicized and the harder-to-find discounts you could be receiving.

  • Distant Student – Kids in college who are attending college and do not have a car may qualify for this discount.
  • Paperwork-free – A handful of insurance companies will discount your bill up to fifty bucks for buying your policy on their website.
  • Military Rewards – Having a family member in the military could be rewarded with lower premiums.
  • Defensive Driver – Completing a course in driver safety could possibly earn you a 5% discount depending on where you live.
  • One Accident Forgiven – Some insurance companies will allow you to have one accident before hitting you with a surcharge as long as you don’t have any claims for a particular time prior to the accident.
  • Discounts for Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates for Focus coverage than less cautious drivers.
  • Good Student Discount – Performing well in school can get you a discount of up to 25%. This discount can apply until age 25.
  • Anti-theft System – Vehicles with anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • Auto/Life Discount – Some companies give a discount if you purchase life insurance.

Consumers should know that some credits don’t apply the whole policy. Some only apply to the cost of specific coverages such as liability, collision or medical payments. Just because it seems like having all the discounts means you get insurance for free, you won’t be that lucky.

Tailor your coverage to you

When buying the best auto insurance coverage, there is no cookie cutter policy. Every insured’s situation is different so your insurance should reflect that Here are some questions about coverages that could help you determine whether or not you could use an agent’s help.

  • Does coverage extend to Mexico or Canada?
  • Am I covered when delivering products for my home-based business?
  • When would I need additional glass coverage?
  • Do I need PIP (personal injury protection) coverage in my state?
  • What is medical payments coverage?
  • Can my teen driver be rated on a liability-only vehicle?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier

The coverage is in the details

Learning about specific coverages of your auto insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement. Listed below are the usual coverages found on the average auto insurance policy.

Uninsured and underinsured coverage

This coverage provides protection from other drivers when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your 2008 Ford Focus.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Collision coverage

Collision coverage pays for damage to your Focus from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as hitting a parking meter, rolling your car, crashing into a ditch and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.

Coverage for liability

This provides protection from damage or injury you incur to other’s property or people by causing an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims like repair bills for other people’s vehicles, repair costs for stationary objects, structural damage, pain and suffering and funeral expenses. How much coverage you buy is a personal decision, but consider buying as large an amount as possible.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for bills for dental work, pain medications, hospital visits, chiropractic care and funeral costs. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

Comprehensive coverages

This covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like a broken windshield, theft and damage from getting keyed. The maximum payout your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Online plus local equals savings

Affordable 2008 Ford Focus insurance is definitely available both online in addition to many insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance companies do not provide you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

We just covered a lot of tips how to save on insurance. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding lower rates. You may be surprised to find that the lowest premiums are with the smaller companies. They may only write in your state and offer lower rates than their larger competitors like GEICO and State Farm.

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