2014 Ford Focus Insurance Quotes – 9 Tips for Best 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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Looking for the cheapest car insurance rates? Shoppers have a choice when shopping for affordable Ford Focus insurance. They can either spend hours struggling with agents trying to get quotes or use the internet to find the lowest rates. There are more efficient ways to buy car insurance and we’ll show you the best way to price shop coverage for your Ford and find the lowest price from both online companies and local agents.

Smart consumers take time to compare rates yearly since rates are rarely the same from one policy term to another. Even if you think you had the lowest rates for Focus insurance last year you will most likely find a better rate today. Ignore everything you know about car insurance because I’m going to let you in on the secrets to the fastest and easiest way to properly buy coverages while reducing your premium.

How much can you save with these nine discounts?

Companies that sell car insurance don’t always publicize every available discount very well, so we researched some of the best known as well as the least known insurance coverage savings. If you don’t get every credit possible, you’re paying more than you need to.

  • Homeowners Discount – Simply owning a home can save you money because of the fact that having a home shows financial diligence.
  • Air Bag Discount – Cars that have air bags and/or automatic seat belt systems can get savings of more than 20%.
  • Defensive Driving Course – Completing a driver safety course could possibly earn you a 5% discount if your company offers it.
  • Lower Rates for Military – Having a deployed family member could be rewarded with lower premiums.
  • Discount for Swiching Early – Select companies give a discount for switching to them before your current expiration date. The savings is around 10%.
  • Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts could save 15% off your PIP or medical payments premium.
  • Safe Drivers – Insureds without accidents may save up to 50% more for Focus insurance than less cautious drivers.
  • Life Insurance – Larger companies have lower rates if you buy a life insurance policy as well.
  • Drivers Ed for Students – Cut your cost by having your teen driver successfully complete driver’s ed class in high school.

Drivers should understand that most of the big mark downs will not be given to the overall cost of the policy. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like having all the discounts means you get insurance for free, you won’t be that lucky.

How much car insurance do I need?

When buying the best auto insurance coverage for your vehicles, there really is not a one size fits all plan. Your needs are not the same as everyone else’s.

These are some specific questions can help discover if your insurance needs might need an agent’s assistance.

  • Do I have coverage when using my vehicle for my home business?
  • Exactly who is provided coverage by my policy?
  • Does my personal policy cover me when driving out-of-state?
  • Am I covered when pulling a rental trailer?
  • When should I buy a commercial auto policy?
  • Should I buy more coverage than the required minimum liability coverage?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form. It is quick, free and you can get the answers you need.

Insurance coverages 101

Knowing the specifics of a insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for short-term medical expenses for prosthetic devices, surgery and funeral costs. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive auto coverage

This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hail damage, a broken windshield, rock chips in glass, hitting a deer and damage from flooding. The maximum amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Liability insurance

This coverage protects you from damage that occurs to other’s property or people by causing an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged property.

Liability can pay for things like medical services, loss of income, court costs and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible.

Collision coverage

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

Collision insurance covers claims such as sideswiping another vehicle, crashing into a ditch and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also bump up the deductible to save money on collision insurance.

In conclusion

Insureds change insurance companies for a variety of reasons including high rates after DUI convictions, unfair underwriting practices, policy non-renewal and even delays in responding to claim requests. It doesn’t matter what your reason, choosing a new company is actually quite simple.

Discount 2014 Ford Focus insurance can be bought online and with local insurance agents, and you need to comparison shop both so you have a total pricing picture. There are still a few companies who do not offer online quoting and these small insurance companies work with independent agents.

As you shop your coverage around, make sure you don’t skimp on coverage in order to save money. There have been many cases where consumers will sacrifice liability coverage limits only to regret that they should have had better coverage. Your goal should be to purchase a proper amount of coverage for the lowest price.

More detailed auto insurance information can be read in the articles below:

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