Smart shoppers know that insurance companies don't want customers comparing rates. Insureds who get price quotes annually are highly likely to switch to a new company because of the high probability of finding a lower-cost company. A recent survey discovered that consumers who compared rates once a year saved as much as $3,450 over four years as compared to drivers who didn't regularly shop around.
If finding the lowest price on Ford Focus insurance in Detroit is the reason you're reading this, knowing how to quote and compare car insurance can help make the process easier.
If saving the most money is your goal, then the best way to get affordable Ford Focus insurance is to compare prices annually from insurance carriers in Detroit.
Step 1: Gain an understanding of policy coverages and the things you can control to prevent high rates. Many rating factors that result in higher rates such as accidents, traffic tickets, and a not-so-good credit history can be improved by paying attention to minor details.
Step 2: Get rate quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can give quotes from a single company like Progressive or State Farm, while independent agents can provide price quotes for a wide range of insurance providers. Find a Detroit insurance agent
Step 3: Compare the new rate quotes to your current policy premium to see if cheaper Focus coverage is available in Detroit. If you find a lower rate quote and make a switch, make sure there is no lapse in coverage.
Step 4: Give notification to your agent or company to cancel your current auto insurance policy and submit a completed policy application and payment to the new company. Immediately upon receiving it, put the new certificate verifying proof of insurance with the vehicle registration.
One key aspect when comparing rates is to use the same level of coverage on each quote request and and to get prices from all possible companies. This guarantees an apples-to-apples comparison and the best price selection.
The best way we recommend to compare rate quotes for Ford Focus insurance in Detroit is to know the trick most of the larger companies will pay a fee to provide you with a free rate quote. To begin a comparison, all you need to do is spend a couple of minutes providing details including how you use your vehicles, if the vehicle is leased, your credit rating estimate, and what your job is. Your rating data is automatically sent to insurance carriers in your area and they respond with quotes instantly to find the best rate.
If you would like to start a quote now, click here and complete the quick form.
The companies shown below have been selected to offer free rate quotes in Michigan. If you want to find cheap auto insurance in Michigan, we suggest you visit as many as you can to get the most competitive price.
Discounts can help lower premiums on Ford Focus insurance in Detroit
Insurance can be prohibitively expensive, but companies offer discounts to reduce the price significantly. Certain credits will be shown when you get a quote, but once in a while a discount must be asked about prior to receiving the credit.
- Lower Rates for Military - Being on active duty in the military could qualify you for better auto insurance rates.
- Waiver for an Accident - This isn't a discount exactly, but companies like State Farm and GEICO will allow you to have one accident before they charge you more for coverage so long as you haven't had any claims prior to being involved in the accident.
- Fewer Miles Equal More Savings - Driving fewer miles could be rewarded with better auto insurance rates on cars that stay parked.
- Claim Free - Claim-free drivers have much lower rates as compared to policyholders that have many claims.
- Paper-free Discount - Some of the larger companies provide a small discount for completing your application on their website.
- Discounts for New Vehicles - Buying insurance coverage on a new vehicle can save up to 30% because new vehicles have to meet stringent safety requirements.
- Good Student - Performing well in school may save as much as 25% on a Detroit auto insurance quote. The good student discount can last well after school through age 25.
- Life Insurance - If the company offers life insurance, you could get a discount if you purchase some life insurance too.
- Mature Driver Discount - Mature drivers may receive a slight reduction on a Detroit auto insurance quote.
One last thing about discounts, most credits do not apply to the overall cost of the policy. A few only apply to individual premiums such as comp or med pay. Even though the math looks like having all the discounts means you get insurance for free, you're out of luck.
The example below compares Ford Focus insurance premiums with and without discounts. Data assumes a female driver, no driving violations, no at-fault accidents, Michigan state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, safe-driver, marriage, multi-policy, and multi-car discounts applied.
The best auto insurance companies and a selection of discounts are detailed below.
- GEICO has discounts for anti-theft, membership and employees, air bags, five-year accident-free, military active duty, anti-lock brakes, and driver training.
- SAFECO offers discounts for teen safety rewards, multi-car, bundle discounts, anti-lock brakes, teen safe driver, drive less, and safe driver.
- State Farm has savings for driver's education, multiple autos, safe vehicle, good driver, student away at school, Steer Clear safe driver discount, and multiple policy.
- MetLife discounts include multi-policy, claim-free, good student, accident-free, and defensive driver.
- 21st Century may have discounts that include defensive driver, anti-lock brakes, student driver, early bird, air bags, and theft prevention.
- Progressive may include discounts for continuous coverage, good student, multi-vehicle, multi-policy, and online quote discount.
If you need the cheapest Ford Focus rate quotes, ask all the companies which discounts you may be entitled to. All car insurance discounts may not be offered in Detroit.
Coverage statistics and figures
The price information displayed below highlights detailed analysis of insurance policy prices for Ford Focus models. Understanding more about how car insurance prices are established can help customers make informed decisions when comparing rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Focus S 4-Dr Sedan||$366||$710||$704||$42||$210||$2,032||$169|
|Focus SE 4-Dr Sedan||$366||$710||$704||$42||$210||$2,032||$169|
|Focus SEL 4-Dr Sedan||$366||$838||$704||$42||$210||$2,160||$180|
|Focus SES 4-Dr Sedan||$366||$838||$704||$42||$210||$2,160||$180|
|Focus SE 2-Dr Coupe||$420||$838||$796||$48||$238||$2,340||$195|
|Focus SES 2-Dr Coupe||$420||$838||$796||$48||$238||$2,340||$195|
|Get Your Own Custom Quote Go|
Premium data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Michigan minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Information does not factor in your specific Detroit location which can increase or decrease coverage rates greatly.
Cautious drivers save money
The example below demonstrates how traffic citations and at-fault claims raise Ford Focus car insurance costs for different age groups of insureds. The costs are based on a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no other discounts are factored in.
Rate comparison of full coverage and liability-only
The diagram below shows the comparison of Ford Focus insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The costs are based on no tickets, no at-fault accidents, $1,000 deductibles, single status, and no discounts are applied to the premium.
Are you wasting money on full coverage?
There is no clear-cut rule for dropping physical damage coverage, but there is a broad guideline. If the yearly cost of full coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.
For example, let's say your Ford Focus replacement cost is $6,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, you would only receive $5,000 after paying the physical damage deductible. If you are paying over $500 annually to have full coverage, then it could be time to drop full coverage.
There are a few cases where eliminating full coverage is not a good idea. If you haven't satisfied your loan, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if you don't have enough money to buy a different vehicle if your current one is in an accident, you should maintain full coverage.
Decisions You Make Can Impact Your Insurance Costs
Lots of things are considered when quoting car insurance. Some factors are common sense like an MVR report, but other factors are not as apparent such as your marital status or your vehicle rating. Consumers need to have an understanding of some of the things that help calculate the price you pay for auto insurance. If you know what positively or negatively impacts your premiums, this allows you to make good choices that can earn you lower auto insurance prices.
Gender matters - Over the last 50 years, statistics have shown females are less aggressive when driving. It does not mean females are better drivers. They both cause at-fault accidents in similar numbers, but the males have costlier accidents. Men also tend to receive more costly citations like driving under the influence (DUI). Males from age 16 to 21 are most likely to cause an accident so they pay the highest premiums.
The chart below compares Ford Focus annual premium costs for male and female drivers. The rate quotes are based on a clean driving record, no at-fault accidents, comp and collision included, $250 deductibles, marital status is single, and no discounts are factored in.
Extra coverages you don't need - Insurance policies have a lot of additional coverages that can waste your money on your auto insurance policy. Add-on coverages like coverage for rental cars, better glass coverage, and motor club memberships could be just wasting money. These coverages may sound good when you first buy your policy, but your needs may have changed so remove them from your policy.
Discounts for married drivers - Your spouse may save some money compared to being single. Marriage may mean you are more mature than a single person and statistics show drivers who are married are more cautious.
Teenage drivers pay high rates - Youthful drivers in Michigan are statistically proven to be easily distracted behind the wheel so they pay higher auto insurance rates. Having to add a beginning driver onto a policy can be very expensive. Older insureds are more responsible, cause fewer claims and accidents, and get fewer tickets.
The data below uses these assumptions: single driver, full coverage with $1000 deductibles, and no discounts or violations.
Gaps in coverage mean higher auto insurance rates - Having a gap between insurance policy dates will be a sure-fire way to increase your renewal premiums. In addition to paying higher premiums, the inability to provide proof of insurance may earn you fines or a revoked license.
Compare rates if you bundle your policies - The majority of insurers give better rates to people that purchase more than one policy. It's known as a multi-policy discount. Even with this discount applied, you still need to check prices from other companies to help guarantee you have the best rates.
The type of car, truck or SUV makes a difference - The performance of the car you need to insure makes a huge difference in your auto insurance rates. The lowest premiums will generally be found on small economy passenger models, but the cost you end up paying is determined by many additional factors.
The next chart uses these variables: single male driver age 50, full coverage with $1000 deductibles, and no discounts or violations. It illustrates Ford Focus insurance rates compared to other models that have a range of performance risks.
Insurance losses for a Ford Focus - Insurers analyze past claim statistics when they calculate premium costs for each model. Vehicles that statistically have high amounts or severity of claims will cost more for specific coverages.
The next table illustrates the historical insurance loss data for Ford Focus vehicles. For each coverage type, the claim probability for all vehicles compiled together is a value of 100. Values under 100 suggest a better than average loss history, while values over 100 indicate more frequent claims or an increased probability of a larger loss.
|Vehicle Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Ford Focus Electric||87||85||66|
Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years