Most people would agree that it’s important to have good insurance coverage for your car.
But if you don’t shop around, how can you be sure that you have the best deal?
Many factors influence the cost of your insurance such as your age and your gender, but one of the most important variables is the make and model of your car.
To predict the cost of your Ford Focus insurance, you need to understand the insurance provider’s perspective of risk and how it relates to the vehicle you drive.
How Much Does Ford Focus Insurance Cost?
The Ford Focus is considered a budget car, and is therefore generally cheaper than average to insure.
However, several factors affect your quoted price.
What follows is a closer look at these variables, as well as a few tips to help you reduce the rate of your Ford Focus insurance.
Ford Focus Safety Rating & Damage Threshold
Safety ratings and damage thresholds affect the cost of insurance premiums. Generally speaking, the higher the safety ratings and the lower the damage thresholds, the lower the price of your insurance premium.
The National Highway Traffic Safety Administration has awarded the following ratings to Ford Focus models.
These excellent ratings should help keep insurance rates lower.
|Vehicle Name||Overall Rating||Frontal Crash Rating||Side Crash Rating||Rollover Rating|
|2015 Ford Focus 4 DR FWD||5 out of 5 Stars||5 out of 5 Stars||5 out of 5 Stars||4 out of 5 Stars|
|2014 Ford Focus BEV 5 HB FWD||5 out of 5 Stars||5 out of 5 Stars||5 out of 5 Stars||5 out of 5 Stars|
|2013 Ford Focus BEV 5 HB FWD||5 out of 5 Stars||5 out of 5 Stars||5 out of 5 Stars||5 out of 5 Stars|
Comprehensive & Collision Coverage
The cost of your comprehensive and collision coverage is directly influenced by the overall cash value of your car.
The more your car is worth, the more it costs to repair and replace the parts in the event of an accident.
The following prices are based on used purchases from a certified dealer in the San Francisco area, according to Kelley Blue Book.
The out-the-door target price includes taxes and document fees that are associated with the sale of a vehicle.
|Vehicle Name||Fair Purchase Price||Out-the-door Target Price|
|2015 Ford Focus 4 DR FWD||$10,989||$12,198|
|2014 Ford Focus BEV 5 HB FWD||$9,194||$9,332|
|2013 Ford Focus BEV 5 HB FWD||$7,637||$7,868|
Since a used Ford Focus is a relatively inexpensive vehicle, you should be able to score a relatively cheaper rate on car insurance.
Ford Focus Claims Frequency & Potential to Cause Damage
Both the frequency and dollar amount of claims filed by drivers of a particular model influence the cost of its premiums.
If a car is statistically more likely to be involved in an accident, then an insurance provider charges more to insure it.
Statistics from the Insurance Institute for Highway Safety, Highway Loss Data Institute show that a Ford Focus driver has a slightly higher chance of filing a collision claim than the average driver but a five percent less likely chance of filing a comprehensive claim.
These reasonable insurance loss studies should have a positive effect on the price of your premium.
Ford Focus Insurance Discounts
Most of the top insurance providers offer discounts, and there are several ways to reduce the rate of your premiums.
One of the best things you can do is make sure your car is fitted with the most up-to-date safety equipment, which can help prevent crashes and protect you during an accident.
The Ford Focus has a Tire Pressure Monitoring System which alerts you as soon as you start to lose air in your vehicle’s tires.
Its innovative Active City Stop technology monitors the distance between your car and the car in front, applying the brakes if the car in front stops suddenly.
Safety technology like this has a positive effect on the price of your premium.
Ford Focus Theft Rate
The cost of your premium also depends on the likelihood of your car model being stolen.
Though the Ford Focus is a popular car, it isn’t featured on the NICB Hot Wheels report.
Even though it may not be among the cars that are most frequently stolen, it may still be a good idea to install anti-theft devices or alarms if you have a newer model or live in a high crime area.
Some insurance companies even offer discounts for these type of add-ons.
What are the Best Companies for Ford Focus Insurance?
Regardless of which specific car you drive, you should still always shop around for insurance.
The multitude of online information, including customer reviews, has made comparison shopping incredibly easy.
Once you’ve studied a company’s claims efficiency, you should also consider its financial strength.
It’s important to get at least three quotes before making a final decision and to find out if you’re eligible for discounts, you should ask providers questions such as:
- Will storing my car in a garage help reduce the cost of my insurance?
- Can I receive a discount for driver safety courses?
- Are there any discounts for multi-vehicle policies?
- Is there a discount available for low annual mileage?
What to Know About The Ford Focus
The Ford Focus was the result of Ford’s attempt to produce a small, affordable family car for the global market.
It soon took off, and the Focus is now one of Ford’s best selling vehicles.
It’s ranked fourth on the U.S. News compact car list, and the small, responsive car is an excellent option for city dwellers.
Now you’ve learned more about insuring a Ford Focus, we hope to have put you in a better position to score a great deal on your car insurance.
*While we make every effort to keep our site updated, please be aware that “timely” information on this page, such as quote estimates, or pertinent details about companies, may only be accurate as of its last edit day. Huntley Wealth & Insurance Services and its representatives do not give legal or tax advice. Please consult your own legal or tax adviser.