Save Money on Ford Focus Insurance in San Diego

Ford Focus insurance
Ford Focus insurance image courtesy of QuoteInspector.com

Discount Ford Focus insuranceFinding the cheapest insurance for a Ford Focus in California can turn out to be a painful process, but you can learn a few tricks to find lower rates.

There are both good and bad ways to find insurance online and we'll show you the quickest way to price shop coverage for a new or used Ford and get the lowest possible price either online or from San Diego insurance agents.

Smart consumers take time to shop coverage around occasionally because prices change quite often. Despite the fact that you may have had the best price on Ford Focus insurance in San Diego a few years ago a different company probably has better rates today. Ignore everything you know about insurance because it's time to teach you the fastest way to save money, get proper coverage and the best rates.

If you are insured now or just want cheaper rates, you can follow these tips to find better prices while maintaining coverages. Shopping for the lowest cost protection in San Diego is not as hard as you may think. Vehicle owners only need to know the quickest method to get comparison quotes over the internet.

The auto insurance companies shown below offer free quotes in San Diego, CA. If more than one company is shown, we recommend you visit as many as you can to get a more complete price comparison.

Ford Focus Insurance Cost Estimates in San Diego, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $330 $708 $596 $36 $178 $1,848 $154
Focus SE 4-Dr Sedan $184 $362 $442 $26 $132 $1,146 $96
Focus SEL 4-Dr Sedan $284 $792 $500 $30 $150 $1,756 $146
Focus SES 4-Dr Sedan $176 $482 $574 $34 $172 $1,438 $120
Focus SE 2-Dr Coupe $182 $418 $524 $32 $156 $1,312 $109
Focus SES 2-Dr Coupe $252 $502 $514 $30 $154 $1,452 $121
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Cost estimates assume married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Premium costs do not factor in vehicle garaging location which can raise or lower auto insurance rates substantially.

Ford Focus insurance costs by gender and age

The diagram below visualizes the comparison of Ford Focus insurance costs for male and female drivers. The premiums assume a clean driving record, no at-fault accidents, comprehensive and collision coverage, $100 deductibles, drivers are single, and no additional discounts are factored in.

Choosing Focus insurance is an important decision

Despite the potentially high cost of Ford Focus insurance, maintaining insurance is not optional due to several reasons.

The benefits of carrying adequate insurance definitely exceed the cost, specifically if you ever have a liability claim. As of last year, the average driver in California overpays as much as $810 a year so you should quote and compare rates every year to make sure the price is not too high.

Informed Drivers Know How to Get Car Insurance for Less

Part of the car insurance buying process is learning a few of the rating criteria that are used to determine your policy premiums. When you understand what influences your rates, this allows you to make good choices that can earn you lower car insurance prices.

Combine policies and save money - Lots of insurers afford discounts for people who carry more than one policy, otherwise known as a multi-policy discount. Even with this discount, it's in your best interest to compare other company rates to guarantee you are still saving the most.

Is your vehicle theft-ready? - Purchasing a vehicle with anti-theft technology or alarm system can help bring down rates. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart auto theft and help lower rates.

When should you not file a car insurance claims? - If you are the type of insured that files lots of claims you can look forward to higher premiums or even policy non-renewal. Companies in California award the best rates to people who do not file claims often. Your car insurance is meant to be used in the event of the large, substantial claims.

Are you male or female? - Statistics have proven females are less aggressive when driving. However, don't assume that men are worse drivers. Both genders tend to get into accidents at about the same rate, but men tend to have higher claims. Men also statistically get ticketed for serious violations like reckless driving and DUI.

Get hitched and get better prices - Your spouse may earn you lower rates on your car insurance policy. Marriage is viewed as being more mature than a single person and statistics show drivers who are married file infrequent claims.

Ford Focus insurance loss probability - Insurance companies use claims history when they file their rates in each state. Models that are shown to have a trend towards higher claims will have higher premium rates. The table below demonstrates the actual insurance loss data for Ford Focus vehicles.

For each type of coverage, the claim probability for all vehicles, regardless of make, model or trim level, is equal to 100. Values that are 100 or less suggest a better than average loss history, while percentages above 100 indicate higher probability of having a loss or a tendency for claims to be larger.

Ford Focus Insurance Loss Statistics

Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Ford Focus 106 98 90 103 109 111
Ford Focus Electric 87 85 66
BETTER
AVERAGE
WORSE

Empty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years

Take policy discounts and save on Ford Focus insurance in San Diego

Buying auto insurance is not cheap, but you may be missing some discounts that could help you make your next renewal payment. Certain discounts will be applied at the time of quoting, but some discounts are required to be specifically requested in order for you to get them.Cheaper auto insurance with discounts

While discounts sound great, it's important to understand that most of the big mark downs will not be given to all coverage premiums. Most only reduce specific coverage prices like medical payments or collision. So despite the fact that it appears adding up those discounts means a free policy, you won't be that lucky.

The best auto insurance companies and a selection of discounts are detailed below.

When getting a coverage quote, ask every insurance company to apply every possible discount. All car insurance discounts may not be available in every state. To locate auto insurance companies that offer the discounts shown above in San Diego, click this link.

Your insurance coverage should be tailored to you

When choosing adequate coverage, there really isn't a one size fits all plan. You are unique.Safe vehicles cost less to insure

For instance, these questions could help you determine whether or not you will benefit from professional help.

If it's difficult to answer those questions but one or more may apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form. It is quick, free and can help protect your family.

Buying from car insurance agents

Some consumers would prefer to sit down and talk to an agent and there is nothing wrong with that. Professional insurance agents can make sure you are properly covered and help submit paperwork. The best thing about comparing rates online is that drivers can save money and get cheap rate quotes but also keep your business local. And providing support for local agencies is still important in San Diego.

Insurance agency in San DiegoUpon completion of this form (opens in new window), your coverage information is sent to local insurance agents who will return price quotes and help you find cheaper coverage. It simplifies rate comparisons since you won't have to even leave your home because prices are sent to your email. In the event you want to compare prices for a specific company, you can always find their quoting web page and give them your coverage information.

If you are wanting to find a local San Diego insurance agent, it's important to understand the different types of agencies that differ in how they can insure your vehicles. Insurance agencies can be classified as either independent or exclusive depending on the company they work for. Either one can handle insurance, but it is a good idea to know how they differ since it may influence which agent you choose.

Independent Insurance Agencies or Brokers

Agents that choose to be independent do not sell for just one brand so they have the ability to put coverage through lots of different companies and potentially find a lower price. To move your coverage to a new company, the business is moved internally and you won't have to switch agencies.

When shopping rates, we highly recommend that you get several quotes from independent agents to get the most accurate price comparison. Most also have access to small mutual carriers that can offer cheaper rates than bigger companies.

Listed below is a small list of independent insurance agencies in San Diego who can help you get free price quotes.

View more San Diego agents

Exclusive Insurance Agents

Exclusive agents can usually just insure with one company and examples are Farmers Insurance, State Farm, or Allstate. Exclusive agents cannot compare rates from other companies so they are skilled at selling on more than just price. They are usually well trained on their products and sales techniques which helps overcome the inability to quote other rates. Consumers sometimes purchase coverage from exclusives mostly because of the prominent brand name rather than low price.

Listed below is a list of exclusive insurance agencies in San Diego willing to provide price quote information.

View more San Diego agents

Choosing the best car insurance agent should depend on more than just the quoted price. These are some valid questions you should ask.

If you feel you receive good responses in addition to an acceptable price estimate, chances are good that you have found an insurance agency that is professional and can service your policy. Just keep in mind you have the power to cancel a policy for any reason so don't feel that you're stuck with the insurance policy with no way to switch.

Quote. Compare. Save.

Insureds leave their current company for a number of reasons such as high rates after DUI convictions, policy cancellation, extreme rates for teen drivers or even denial of a claim. It doesn't matter what your reason, choosing a new insurance company is less work than it seems.

In this article, we covered many tips how you can shop for Ford Focus insurance online. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. You may even discover the biggest savings come from a lesser-known regional company.

When shopping online for insurance, it's not a good idea to reduce coverage to reduce premium. There have been many situations where someone sacrificed collision coverage only to find out that they should have had better coverage. The goal is to purchase plenty of coverage at a price you can afford.

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