Save on 2013 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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Trying to find better auto insurance rates for your Ford Focus? Searching for better insurance prices for a Ford Focus can normally be difficult, but you can learn the following methods to save time.

There are more efficient ways to buy auto insurance so we’re going to tell you the best way to get price quotes on 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 use this information to get lower rates and still get good coverage. Finding the best coverage is easy if you know what you’re doing. Vehicle owners just need to know the proper way to compare rates online.

Companies offer discounts so take them!

Insurance can cost an arm and a leg, buy you may qualify for discounts to help offset the cost. A few discounts will automatically apply at quote time, but less common discounts must be inquired about in order for you to get them. If you aren’t receiving every discount possible, you are throwing money away.

  • Accident Waiver – Some insurance companies permit an accident without raising rates if your claims history is clear prior to the accident.
  • Early Signing – Some companies give discounts for switching to them before your current policy expires. This can save 10% or more.
  • Multi-car Discount – Insuring more than one vehicle with the same company could earn a price break for each car.
  • Seat Belts Save more than Lives – Drivers who require all occupants to buckle their seat belts can save 10% or more on the medical payments or PIP coverage costs.
  • Good Student – Performing well in school can save 20 to 25%. The discount lasts until age 25.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes prevent accidents and earn discounts up to 10%.

As a disclaimer on discounts, most discounts do not apply to the overall cost of the policy. Most only reduce specific coverage prices like medical payments or collision. Just because it seems like you would end up receiving a 100% discount, it just doesn’t work that way. But any discount will reduce the cost of coverage.

The quickest method we recommend to compare policy rates is to take advantage of the fact car insurance companies actually pay money for the chance to provide you with free rate quotes. To start a quote, the only thing you need to do is give them some information including your job, an estimate of your credit level, level of coverage desired, and if your license is active. Your rating data is then submitted to multiple different insurance companies and they provide comparison quotes instantly to find the best rate.

Do I just need basic coverages?

When choosing the right insurance coverage, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs.

For instance, these questions could help you determine if you may require specific advice.

  • If my pet gets injured in an accident are they covered?
  • What is the difference between comprehensive and collision coverage?
  • Where can I find DUI or SR-22 insurance?
  • What is medical payments coverage?
  • Do I have coverage when pulling a U-Haul trailer?
  • Is my ex-spouse still covered by my policy?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and can provide invaluable advice.

Information about specific coverages

Knowing the specifics of insurance aids in choosing the best coverages for your vehicles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Coverage for collisions

This covers damage to your Focus resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things like hitting a mailbox, crashing into a ditch and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to bump up the deductible to save money on collision insurance.

Auto liability insurance

Liability coverage provides protection from injuries or damage you cause to other people or property. This insurance protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Another option is a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as loss of income, medical services and repair costs for stationary objects. How much coverage you buy is up to you, but you should buy higher limits if possible.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as rehabilitation expenses, EMT expenses, pain medications and ambulance fees. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. It covers both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Ford Focus.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Usually these coverages do not exceed the liability coverage limits.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like fire damage, theft, damage from flooding, damage from getting keyed and hitting a bird. The maximum amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

More quotes. Lower rates.

Throughout this article, we presented some good ideas how to compare 2013 Ford Focus insurance prices online. The key concept to understand is the more providers you compare, the better your comparison will be. Consumers could even find that the lowest priced insurance coverage comes from an unexpected company.

Insureds who switch companies do it for a number of reasons such as unfair underwriting practices, an unsatisfactory settlement offer, policy non-renewal or not issuing a premium refund. It doesn’t matter what your reason, choosing a new company can be less work than you think.

As you shop your coverage around, never reduce coverage to reduce premium. In many cases, someone sacrificed liability coverage limits only to find out they didn’t purchase enough coverage. Your goal should be to purchase plenty of coverage at the best price while not skimping on critical coverages.

Much more information about insurance coverage is available at these links:

  • Anti-Lock Brake FAQ (iihs.org)
  • How to Avoid Common Accidents (State Farm)
  • When is the Right Time to Switch Car Insurance Companies? (Allstate)
  • Uninsured Motorists: Threats on the Road (Insurance Information Insitute)

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