Save on 2017 Ford Focus Insurance Quotes in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 19, 2024

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Are you kicking yourself for buying overpriced insurance? Trust us, there are many drivers thinking the same thing.

Lots of insurance companies contend to insure your vehicles, so it’s not easy to compare every insurer and get the best coverage at the best price available.

Discounts for cheap insurance coverage rates

Not many people think insurance is cheap, but you might already qualify for some discounts that many people don’t even know exist. A few discounts will automatically apply when you purchase, but a few must be specially asked for before being credited.

  • Discount for Life Insurance – Some insurance coverage companies give lower premium rates if you buy a life policy as well.
  • Bundled Policy Discount – When you have multiple policies with one insurance company you will save up to 20% off your total premium.
  • Discount for New Cars – Insuring a new car may earn a small discount because new model year vehicles have to meet stringent safety requirements.
  • Homeowners Savings – Simply owning a home can earn you a little savings because owning a home shows financial diligence.
  • Drivers Ed for Students – Cut your cost by having your teen driver successfully take a drivers education course if it’s offered in school.
  • Air Bags and Passive Restraints – Vehicles with factory air bags or automatic seat belts could see savings as much as 30%.
  • Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to use their safety belts can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
  • Driving Data Discount – Insureds who allow data collection to scrutinize vehicle usage by using a telematic data system like In-Drive from State Farm and Progressive’s Snapshot may see discounts if they are good drivers.
  • Claim Free – Drivers who don’t have accidents can earn big discounts as compared to frequent claim filers.

Consumers should know that most credits do not apply to the whole policy. Most only apply to the cost of specific coverages such as collision or personal injury protection. Despite the appearance that it’s possible to get free car insurance, nobody gets a free ride.

If you would like to view companies with the best discounts, enter your zip code here.

You can change your insurance premiums

Consumers need to have an understanding of the factors that aid in calculating your policy premiums. When consumers understand what controls the rates you pay, this helps enable you to make changes that may reward you with much lower annual insurance costs. Lots of factors are taken into consideration when premium rates are determined. Some are pretty understandable like your driving record, but other factors are not quite as obvious such as your credit history and annual miles driven.

Shown below are some of the items used by your company to calculate your prices.

  • Don’t get traffic citations – Whether or not you get tickets has a lot to do with how much you pay for insurance. Drivers with clean records get better rates than their less careful counterparts. Even a single citation could increase your next policy renewal by as much as twenty percent. Drivers unfortunate enough to have dangerous violations like DUI or reckless driving may face state-mandated requirements to submit a SR-22 form with their state in order to drive a vehicle legally.
  • More mileage equals more premium – The more miles you rack up on your Ford each year the more it will cost to insure it. A lot of insurance companies price each vehicle’s coverage based on their usage. Autos that are left in the garage receive lower rates than cars that get driven a lot. Ask your agent if your policy reflects how each vehicle is driven. An improperly rated Focus is just wasting money.
  • Certain employers raise prices – Careers such as military generals, executives and accountants tend to pay higher rates than the rest of us due to intense work-related stress and lots of time spent away from family. Conversely, occupations such as farmers, engineers and performers pay the least on Focus insurance.
  • Multiple policies with one company can save – Most car insurance companies will award discounts to insureds who have multiple policies with them in the form of a multi-policy discount. Even if you qualify for this discount already, you still need to comparison shop to ensure the best deal. There is a good possibility that you can find lower rates by splitting coverages up.

You may need specialized auto insurance coverage

When it comes to choosing proper insurance coverage for your vehicles, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. These are some specific questions can help discover if your situation would benefit from professional advice.

  • Do all my vehicles need collision coverage?
  • Do I have coverage when pulling a U-Haul trailer?
  • When can my company non-renew my policy?
  • What should my uninsured motorist coverage limits be in my state?
  • How do I insure my teen driver?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Does insurance cover damages from a DUI accident?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed agent. To find an agent in your area, complete your zip code.

The largest companies are not always cheapest

Popular insurance coverage providers such as Allstate, GEICO and Progressive constantly bombard you with television, radio, and online ads. All the ads advertise the message that drivers can save some big amount just by moving your coverage to them. How do they all give you a lower rate? This is the way they can do it.

Companies look for specific characteristics for the type of insured that will add to their bottom line. For instance, a profitable risk profile may be over the age of 40, has few claims, and has a high credit rating. A driver that fits those parameters will get low car insurance rates and as a result will probably pay quite a bit less when switching companies.

Drivers who fall short of those standards will probably be forced to pay more expensive rates and this results in the customer buying from a different company. The ads state “people that switch” not “everybody who quotes” can get the lowest rates when switching. That’s why insurance companies can confidently lure you into getting a quote.

This really drives home the point why it’s extremely important to get auto insurance quotes from several different companies. You cannot predict which company will have better rates than you’re paying now.

The coverage is in the details

Understanding the coverages of your auto insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages found on most auto insurance policies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s 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, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Most of the time these limits are similar to your liability insurance amounts.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for dental work, rehabilitation expenses, X-ray expenses, nursing services and funeral costs. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Comprehensive auto coverage

This pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as hail damage, a broken windshield, rock chips in glass and damage from flooding. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability insurance

Liability insurance can cover damage that occurs to other people or property that is your fault. It protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage protects against things such as structural damage, loss of income, emergency aid and legal defense fees. How much coverage you buy is your choice, but buy as high a limit as you can afford.

Collision coverage

Collision coverage pays for damage to your Focus resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like rolling your car, damaging your car on a curb and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to bring the cost down.

A penny earned…

As you restructure your insurance plan, do not skimp on critical coverages to save a buck or two. There have been many situations where an accident victim reduced liability limits or collision coverage and found out when filing a claim that the small savings ended up costing them much more. The goal is to buy the best coverage you can find at the best possible price but still have enough coverage for asset protection.

You just read some good ideas how to get a better price on 2017 Ford Focus insurance. The key thing to remember is the more providers you compare, the higher your chance of finding cheaper auto insurance. Consumers could even find that the best rates are with the least-expected company. Regional companies often have lower car insurance rates on specific markets than the large multi-state companies such as Progressive and GEICO.

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