Car Insurance Quotes for a Ford Focus in Austin

Insurance for Ford FocusShopping for the lowest price Austin Ford Focus insurance quotes on the internet might seem overwhelming for vehicle owners new to quoting and shopping for insurance over the internet. With a ridiculous number of companies, how can you have a chance to compare every one to find the lowest rates?

Amazingly, most drivers in Texas kept buying from the same company for over three years, and almost 40% of drivers have never compared car insurance rates at all. American insurance shoppers can save about 47% each year just by shopping around, but most tend to underestimate the large savings they would see if they moved their coverage to a different company.

It’s a good habit to compare rates at least once a year because car insurance prices change regularly. Even if you think you had the lowest rates on Ford Focus insurance in Austin a couple years back you may be paying too much now. You can find a lot of wrong information about Focus insurance on the internet, but in this article, you’re going to get some of the best ways to lower your car insurance bill.

This information will help educate you on the most effective way to quote insurance and some tips to save money. If you currently have auto insurance, you should be able to save money using the following tips. Nevertheless, Texas car owners must comprehend the way companies calculate your policy premium because it varies considerably.

Best companies for affordable Ford Focus insurance in Texas

The companies shown below provide free quotes in Texas. If the list has multiple companies, it’s highly recommended you get prices from several of them to find the cheapest car insurance rates.

Ford Focus Insurance Price Estimates in Austin, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $286 $592 $382 $22 $114 $1,396 $116
Focus SE 4-Dr Sedan $220 $512 $430 $26 $128 $1,316 $110
Focus SEL 4-Dr Sedan $318 $858 $514 $30 $154 $1,874 $156
Focus SES 4-Dr Sedan $246 $684 $400 $24 $120 $1,474 $123
Focus SE 2-Dr Coupe $186 $400 $414 $24 $124 $1,148 $96
Focus SES 2-Dr Coupe $282 $684 $486 $28 $146 $1,626 $136
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Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Rate quotes do not factor in specific zip code location which can change price quotes significantly.

Choosing deductibles

The example below demonstrates how deductibles and can change Ford Focus premium costs for different age groups. The data assumes a single female driver, full coverage, and no discounts are factored in.

Raise deductibles and save

One common question asked by Austin drivers is how high or low should comp and collision deductibles be. The following tables may aid in understanding the premium difference of buying low and high insurance deductibles. The first rate comparisons uses a $250 deductible for comp and collision and the second rate table uses a $1,000 deductible.

Ford Focus insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $256 $496 $382 $22 $114 $1,295 $108
Focus SE 4-Dr Sedan $256 $496 $382 $22 $114 $1,295 $108
Focus SEL 4-Dr Sedan $256 $584 $382 $22 $114 $1,383 $115
Focus SES 4-Dr Sedan $256 $584 $382 $22 $114 $1,383 $115
Focus SE 2-Dr Coupe $294 $584 $430 $26 $128 $1,487 $124
Focus SES 2-Dr Coupe $294 $584 $430 $26 $128 $1,487 $124
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Ford Focus insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $158 $312 $382 $22 $114 $988 $82
Focus SE 4-Dr Sedan $158 $312 $382 $22 $114 $988 $82
Focus SEL 4-Dr Sedan $158 $368 $382 $22 $114 $1,044 $87
Focus SES 4-Dr Sedan $158 $368 $382 $22 $114 $1,044 $87
Focus SE 2-Dr Coupe $182 $368 $430 $26 $128 $1,134 $95
Focus SES 2-Dr Coupe $182 $368 $430 $26 $128 $1,134 $95
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Price estimates do not factor in Austin location which can change coverage rates considerably.

Based on the data above, we can derive that using a $250 deductible would cost the average driver about $28 more each month or $336 each year than opting for the higher $1,000 deductible. Since you would pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you usually have at least 27 months between claims, you would probably be better off going with the higher deductible.

Should you buy full coverage?

The information below illustrates the comparison of Ford Focus insurance premiums with full physical damage coverage and with liability coverage only. Data assumes no violations or claims, $500 deductibles, single male driver, and no discounts are applied.

Should you pay for full coverage or liability only?

There is no definitive guideline for phasing out full coverage on your policy, but there is a guideline you can use. If the annual cost of coverage is about 10% or more of the settlement you would receive from your company, then you might consider buying liability only.

For example, let’s pretend your Ford Focus claim settlement value is $8,000 and you have $1,000 deductibles. If your vehicle is totaled, the most you would get paid by your company is $7,000 after the policy deductible has been paid. If premiums are more than $700 a year for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.

There are some situations where eliminating full coverage is not advised. If you still have a lienholder on your title, you must maintain physical damage coverage to satisfy the loan requirements. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should maintain full coverage.

Get cheaper Ford Focus insurance in Austin with discounts

Auto insurance companies don’t always list every discount available in a way that’s easy to find, so the following is a list of some of the more common and also the lesser-known discounts that you may qualify for.Cheaper insurance with discounts

A little disclaimer on discounts, some of the credits will not apply to the entire policy premium. Most only reduce the price of certain insurance coverages like liability and collision coverage. Even though the math looks like it’s possible to get free car insurance, companies wouldn’t make money that way.

Companies and some of the premium reductions they offer are included below.

If you want cheaper Austin auto insurance quotes, ask each company or agent how you can save money. A few discounts might not be offered on policies in Austin. If you would like to see a list of companies with the best Ford Focus insurance discounts in Texas, click here to view.

Smart Buyers Know How to Quote Car Insurance Cheaper

Many different elements are considered when quoting car insurance. Some are obvious such as your driving record, but other criteria are not quite as obvious like your vehicle usage or your financial responsibility. It’s important that you understand a few of the rating criteria that help calculate the level of your policy premiums. If you know what impacts premium levels, this enables you to make decisions that may reward you with big savings.

When should I have guidance from a local insurance agent?

A small number of people still prefer to buy from a local agent and that can be a smart move A good thing about comparing rates online is that drivers can save money and get lower rates and still choose a local agent. And providing support for local insurance agents is important particularly in Austin.

Austin insurance agentsTo find an agent, once you fill out this quick form, your insurance data is transmitted to local insurance agents who can give free rate quotes for your insurance coverage. It’s much easier because you don’t need to visit any agencies because prices are sent directly to you. You can find better rates without a big time investment. If you have a need to get a rate quote for a specific company, just navigate to their website and submit a quote form there.

Different types of Austin car insurance agents

If you’re trying to find a reliable insurance agency, there are a couple of types of agencies that differ in how they can insure your vehicles. Car insurance agents can be categorized as either exclusive agents or independent agents.

Independent Car Insurance Agents (or Brokers)

Independent agencies are not limited to a single company and that gives them the ability to insure through many different car insurance companies and get the cheapest rates. If prices rise, they simply move your policy to a different company and you don’t have to do anything.

When comparing car insurance prices, you absolutely need to contact a couple of independent agencies so that you have a good selection of quotes to compare. Many can place coverage with less well-known companies that many times have cheaper rates.

The following are Austin independent agencies who can help you get comparison quotes.

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Exclusive Insurance Agents

Agents that elect to be exclusive can usually just insure with one company such as Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agents are unable to provide other company’s prices so always compare other rates. Exclusive agents are trained well on what they offer and that can be a competitive advantage. Consumers sometimes buy insurance from these agents mostly because of the brand legacy rather than low rates.

Below are exclusive agencies in Austin that can give you rate quotes.

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Picking an car insurance agent requires you to look at more than just the premium amount. These are some questions your agent should answer.

Advertising myths

State Farm, GEICO and Progressive continually stream television and radio advertisements. All the ads convey the message that you can save if you move your car insurance policy to them. How does every company charge less that you’re paying now? Here is the trick they use.

Insurance companies quote their cheapest rates for the type of customer that will most likely be profitable. A good example of a profitable customer could possibly be a female over age 40, carries full coverage, and has excellent credit. Someone who fits that profile will get low prices and will also cut their rates substantially.

Potential customers who don’t meet this ideal profile will see higher rates and this can result in the customer not buying. The trick companies use is to say “customers who switch” but not “all drivers who get quotes” save the amount stated. That’s the way insurance companies can confidently advertise the way they do.

This really illustrates why it is so important to get as many free Austin auto insurance quotes as possible. It is impossible to predict which insurance companies will provide you with the cheapest Ford Focus insurance in Austin.

Be persistent and save

We just covered a lot of techniques to shop for Ford Focus insurance online. The most important thing to understand is the more companies you get car insurance rates for, the better your comparison will be. Consumers may even find the most savings is with the least-expected company.

When trying to cut insurance costs, make sure you don’t buy lower coverage limits just to save a few bucks. There have been many cases where someone dropped uninsured motorist or liability limits only to find out that the few dollars in savings costed them thousands. Your focus should be to buy a smart amount of coverage for the lowest cost, but do not skimp to save money.

Some insurance companies do not offer online rate quotes and these regional insurance providers only sell coverage through independent agents. Budget-conscious Ford Focus insurance can be bought both online in addition to many Austin insurance agents, so you should be comparing quotes from both to get a complete price analysis.

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