Save on 2009 Ford Focus Car Insurance Cost

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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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Locating low-cost insurance for your Ford Focus can turn out to be a painful process, but you can learn a few tricks to make it easier.

There are both good and bad ways to find car insurance online so you’re going to learn the quickest way to compare rates for a new or used Ford and find the lowest price either online or from local insurance agents.

Smart consumers take time to compare rates on a regular basis due to the fact that insurance rates fluctuate regularly. Even if you think you had the lowest price for Focus insurance last year there is a good chance you can find better rates now. Ignore everything you know about car insurance because you’re about to learn the best way to find great coverage at a great price.

Compare Quotes for Auto Insurance

Finding cheaper 2009 Ford Focus auto insurance prices is a fairly straight forward process. The only thing you need to do is take a few minutes getting comparison quotes provided by online insurance companies. This is very easy and can be done in a couple of different ways.

  1. The best way consumers can analyze rates is to use a rate comparison form (click to open form in new window). This method keeps you from doing boring form submissions for each company. One simple form will return price quotes from all major companies.It’s the quickest way to get rates.
  2. A harder way to compare prices requires a trip to the website of each company to complete a price quote. For examples sake, we’ll assume you want to compare Nationwide, Progressive and Liberty Mutual. To get rate quotes you would need to spend time on each company’s site to enter your coverage information, which is why most consumers use the first method.

It’s your choice how you get your quotes, but make sure you use exactly the same coverage limits and deductibles with every price quote. If you have different limits and deductibles on each one then you won’t be able to truly determine the lowest rate.

How to know if you need help

When buying the best car insurance coverage, there isn’t really a “best” method to buy coverage. Every situation is different.

For instance, these questions could help you determine whether your personal situation would benefit from an agent’s advice.

  • Will I be non-renewed for getting a DUI or other conviction?
  • Do I need motorclub coverage?
  • Am I covered when driving someone else’s vehicle?
  • How much liability do I need to cover my assets?
  • What are the financial responsibility laws in my state?
  • Where can I find high-risk insurance?
  • Should I put collision coverage on all my vehicles?
  • Who is covered when they drive my 2009 Ford Focus?

If it’s difficult to answer those questions, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and may give you better protection.

Auto insurance coverages

Understanding the coverages of a insurance policy can help you determine which coverages you need for your vehicles. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Liability coverages – This will cover damage that occurs to a person or their property in an accident. It protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. 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 total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability coverage protects against things like legal defense fees, medical services and loss of income. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical expense coverage – Medical payments and Personal Injury Protection insurance kick in for bills for funeral costs, hospital visits, X-ray expenses and prosthetic devices. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive protection – This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like falling objects, damage from getting keyed, rock chips in glass, damage from flooding and vandalism. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Uninsured or underinsured coverage – This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Ford Focus.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision – This covers damage to your Focus from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims such as colliding with a tree, damaging your car on a curb and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.

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