Compare 2012 Ford Focus 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: Aug 23, 2022

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No one looks forward to buying auto insurance, particularly when they are paying too much.

Because there are so many options when it comes to auto insurance, it is hard for the average consumer to choose the lowest price company.

You should take the time to check auto insurance prices yearly because prices change frequently. Despite the fact that you may have had the lowest price for Focus coverage on your last policy the chances are good that you can find a lower rate today. So just forget all the misinformation about auto insurance because you’re going to get a crash course in the fastest way to save on auto insurance.

Impacting insurance rates for a Ford Focus

An important part of buying insurance is that you know some of the elements that help determine the rates you pay for car insurance. When you know what positively or negatively impacts premium levels helps enable you to make changes that may reward you with big savings.

  • Pay less if you’re married – Having a spouse helps lower the price on your car insurance policy. Marriage is viewed as being more mature and responsible it has been statistically shown that married drivers get in fewer accidents.
  • Bundling policies can get discounts – The majority of insurers provide better rates to insureds who have multiple policies with them such as combining an auto and homeowners policy. Discounts can amount to five, ten or even twenty percent. Even though this discount sounds good, it’s in your best interest to shop around to make sure you are getting the best deal. Consumers may find better rates by buying insurance from more than one company.
  • How’s your driving record? – Your driving record impacts your car insurance rates tremendously. Even a single speeding ticket can bump up the cost twenty percent or more. Drivers who don’t get tickets have lower premiums than bad drivers. Drivers who get serious violations such as DUI or reckless driving may be required to submit a SR-22 form with their state DMV in order to continue driving.
  • Extra coverages can waste money – There are quite a few additional coverages that you can buy if you aren’t careful. Coverages for vanishing deductibles, towing coverage and motor club memberships are examples of these. These coverages may sound good initially, but if you don’t need them eliminate them to save money.
  • Your credit rating is important – Your credit score is a huge factor in your rate calculation. People with excellent credit tend to be more responsible than drivers who have lower ratings. So if your credit score is low, you could pay less to insure your 2012 Ford Focus by repairing your credit.
  • Where you live is a factor – Residing in a small town can be a good thing when talking about car insurance. Less people living in that area translates into fewer accidents and also fewer theft and vandalism claims. City drivers have much more traffic to deal with and much longer commute distances. More time commuting translates into higher accident risk.
  • Always keep insurance in force – Allowing your car insurance policy to lapse is a sure-fire way to bump up your car insurance costs. And not only will your rates increase, but being ticketed for driving with no insurance will get you a revoked license or a big fine.You may need to file a SR-22 with your state DMV.

Free Quotes for Insurance

Shopping for lower insurance rates can be a daunting task if you don’t understand the easiest way. You could waste a few hours talking about coverages with agents in your area, or you could save time and use the internet to get pricing more quickly.

Many insurance companies belong to an insurance system that enables customers to enter their coverage request one time, and every company can give them a price for coverage. This eliminates the need for quote requests to every company.

To fill out one form to compare multiple rates now click here to open in new window.

One minor caviat to doing it this way is that consumers can’t choose which providers you will receive quotes from.

It doesn’t matter which method you choose, just ensure you are comparing apples-to-apples coverage information for every company. If you use different deductibles it will be very difficult to determine the lowest rate for your Ford Focus. Just a small difference in coverages may result in large price differences. It’s important to know that comparing more company’s prices will enable you to find the best offered rates.

Companies offer discounts so take them!

Companies offering auto insurance do not list all available discounts very clearly, so we took the time to find some of the best known and the harder-to-find ways to save on auto insurance.

  • Student Driver Training – Have your child successfully complete driver’s ed class in school.
  • More Vehicles More Savings – Insuring multiple cars or trucks on one policy can get a discount on all vehicles.
  • Discounts for Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates for Focus coverage than their less cautious counterparts.
  • Multi-policy Discount – When you combine your home and auto insurance with one company you may save approximately 10% to 15%.
  • Discount for Good Grades – This discount can earn a discount of 20% or more. This discount can apply up to age 25.
  • Sign Early and Save – Some insurance companies reward drivers for switching policies prior to your current policy expiration. It can save you around 10%.

It’s important to understand that most discounts do not apply the whole policy. A few only apply to the price of certain insurance coverages like medical payments or collision. Even though it may seem like you would end up receiving a 100% discount, companies wouldn’t make money that way.

Companies that possibly offer some of the above discounts may include but are not limited to:

  • State Farm
  • Progressive
  • MetLife
  • Farm Bureau
  • GEICO
  • SAFECO

Before buying, ask each insurance company which discounts they offer. Savings might not apply in your state.

Do I just need basic coverages?

When buying coverage for your vehicles, there really is not a best way to insure your cars. Everyone’s situation is a little different and a cookie cutter policy won’t apply. These are some specific questions could help you determine if your insurance needs will benefit from professional help.

  • What happens if I owe more than my 2012 Ford Focus is worth?
  • Do I have any recourse if my insurance company denies a claim?
  • Why am I required to buy high-risk coverage?
  • Is my custom paint covered by insurance?
  • Do I have coverage for damage caused while driving under the influence?
  • Is my dog or cat covered if injured in an accident?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form.

Coverage specifics

Learning about specific coverages of your insurance policy can help you determine which coverages you need at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. These are the usual coverages found on the average insurance policy.

Medical expense coverage – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as pain medications, hospital visits, prosthetic devices and rehabilitation expenses. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. It covers both the driver and occupants as well as getting struck while a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Comprehensive protection – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as hitting a bird, a tree branch falling on your vehicle, damage from getting keyed, falling objects and hitting a deer. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability auto insurance – Liability coverage will cover damages or injuries you inflict on people or other property in an accident. This insurance protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things such as loss of income, pain and suffering and emergency aid. How much coverage you buy is a decision to put some thought into, but consider buying higher limits if possible.

Collision coverages – This coverage will pay to fix damage to your Focus resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as crashing into a ditch, hitting a parking meter, colliding with another moving vehicle and colliding with a tree. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also raise the deductible to get cheaper collision coverage.

Uninsured or underinsured coverage – This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your 2012 Ford Focus.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

More comparisons equals lower rates

We just showed you some good ideas how you can compare 2012 Ford Focus insurance prices online. The key thing to remember is the more rate comparisons you have, the better your comparison will be. You may be surprised to find that the most savings is with a lesser-known regional company. Smaller companies may have significantly lower rates on certain market segments than the large multi-state companies such as Allstate or State Farm.

Discount insurance is attainable on the web in addition to many insurance agents, and you need to price shop both to have the best chance of lowering rates. There are still a few companies who do not provide the ability to get a quote online and these smaller companies work with independent agents.

While you’re price shopping online, it’s not a good idea to reduce coverage to reduce premium. There are many occasions where consumers will sacrifice liability coverage limits and learned later that they should have had better coverage. The proper strategy is to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.

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