Ford Focus insurance image courtesy of QuoteInspector.com
It's safe to assume that insurance companies don't want policyholders to shop around. People who compare other rates will presumably switch companies because they have a good chance of finding a lower-priced company. A recent car insurance study discovered that people who shopped around every year saved approximately $3,450 over four years compared to people who never shopped around.
If finding the cheapest price on Ford Focus insurance is the reason you're reading this, then having a good understanding how to shop and compare insurance can make the process less intimidating.
If you want to save money, the best way to find lower priced car insurance rates in Tampa is to start comparing rates regularly from companies who sell auto insurance in Florida. Drivers can shop around by following these guidelines.
- Try to comprehend individual coverages and the things you can change to prevent rate increases. Many rating factors that cause rate increases like accidents, traffic violations, and a substandard credit score can be eliminated by making minor changes in your lifestyle.
- Compare rates from direct, independent, and exclusive agents. Exclusive agents and direct companies can give quotes from a single company like Progressive and State Farm, while agents who are independent can provide price quotes for a wide range of insurance providers. View insurance agents
- Compare the new rates to your existing policy to see if switching to a new carrier will save money. If you can save money and switch companies, make sure coverage is continuous and does not lapse.
A valuable tip to remember is that you use identical coverage information on every quote request and and to get prices from as many companies as feasibly possible. Doing this enables a level playing field and the most accurate and complete price analysis.
The quickest method we recommend to get policy rate comparisons for Ford Focus insurance in Tampa takes advantage of the fact most larger insurance companies will pay a fee to give free rates quotes. To start a quote, the only thing you need to do is give them some information like what you do for a living, if a SR-22 is needed, if you're married, and if your license is active. Your insurance information is automatically sent to multiple top-rated companies and they return cost estimate almost instantly.
To start a quote now, click here and complete the quick form.
The companies shown below are our best choices to provide free quotes in Tampa, FL. To find cheap car insurance in Tampa, FL, we recommend you compare several of them to get the cheapest price.
Ford Focus insurance analysis
The premium information below covers estimates of rate quotes for Ford Focus models. Understanding more about how insurance policy rates are determined can help customers make informed decisions when comparing rate quotes.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Focus S 4-Dr Sedan||$228||$438||$418||$24||$124||$1,232||$103|
|Focus SE 4-Dr Sedan||$228||$438||$418||$24||$124||$1,232||$103|
|Focus SEL 4-Dr Sedan||$228||$516||$418||$24||$124||$1,310||$109|
|Focus SES 4-Dr Sedan||$228||$516||$418||$24||$124||$1,310||$109|
|Focus SE 2-Dr Coupe||$262||$516||$472||$28||$142||$1,420||$118|
|Focus SES 2-Dr Coupe||$262||$516||$472||$28||$142||$1,420||$118|
|Get Your Own Custom Quote Go|
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Estimates do not factor in vehicle location which can raise or lower premium rates significantly.
The illustration below demonstrates how deductible levels and can increase or decrease Ford Focus insurance costs for different age categories. The premiums are based on a single female driver, full physical damage coverage, and no additional discounts are factored in.
Do you need full coverage?
The diagram below illustrates the comparison of Ford Focus insurance costs with full physical damage coverage compared to only buying liability only. The rate quotes are based on no tickets, no at-fault accidents, $1,000 deductibles, drivers are not married, and no discounts are applied to the premium.
When to stop buying physical damage coverage
There is no clear-cut rule of when to exclude physical damage coverage, but there is a general guideline you can use. If the annual cost of having full coverage is more than about 10% of the replacement cost minus the deductible, then you may need to consider dropping full coverage.
For example, let's pretend your Ford Focus replacement value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $4,000 after the deductible is paid. If you are paying more than $400 annually for physical damage coverage, then you might want to consider buying only liability coverage.
There are some scenarios where dropping full coverage is not a good plan. If you still owe money on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should keep full coverage.
Buying the right Ford vehicle insurance in Florida is an important decision
Despite the fact that insurance is not cheap in Tampa, insurance is mandatory in Florida but it also protects more than you think.
First, the majority of states have minimum mandated liability insurance limits which means the state requires specific limits of liability insurance coverage in order to license the vehicle. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if your Focus has a lienholder, it's most likely the lender will make it mandatory that you have comprehensive coverage to guarantee loan repayment. If coverage lapses or is canceled, the lender will be forced to insure your Ford at a much higher rate and force you to reimburse them for the expensive policy.
Third, insurance protects not only your Ford but also your assets. It will also reimburse you for hospital and medical expenses for not only you but also any passengers injured in an accident. As part of your policy, liability insurance also covers all legal expenses up to the policy limit if someone files suit against you as the result of an accident. If your vehicle suffers damage from an accident or hail, collision and comprehensive coverages will pay to repair the damage minus the deductible amount.
The benefits of having insurance definitely exceed the price paid, specifically if you ever have a liability claim. But the average American driver is overpaying more than $700 annually so you should quote your policy with other companies at every renewal to be sure current rates are still competitive.
Educate yourself about auto insurance coverages
Knowing the specifics of your policy aids in choosing appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Below you'll find the usual coverages available from auto insurance companies.
Collision coverage - This covers damage to your Focus from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.
Collision can pay for claims like driving through your garage door, colliding with another moving vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. It's also possible to raise the deductible on your Focus to bring the cost down.
Uninsured and underinsured coverage - Uninsured or Underinsured Motorist coverage provides protection when other motorists are uninsured or don't have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Ford Focus.
Because many people have only the minimum liability required by law (10/20/10), it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Most of the time these coverages are identical to your policy's liability coverage.
Coverage for medical payments - Medical payments and Personal Injury Protection insurance kick in for expenses for chiropractic care, EMT expenses and X-ray expenses. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage
Liability insurance - Liability coverage protects you from injuries or damage you cause to other people or property in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 10/20/10 which means $10,000 in coverage for each person's injuries, $20,000 for the entire accident, and a limit of $10,000 paid for damaged property. Some companies may use one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.
Liability coverage protects against things such as repair costs for stationary objects, legal defense fees, court costs and loss of income. How much liability coverage do you need? That is your choice, but it's cheap coverage so purchase as large an amount as possible. Florida requires minimum liability limits of 10/20/10 but drivers should carry higher limits.
The next chart shows why buying the state minimum limits may not provide adequate coverage.
Comprehensive coverages - This coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage pays for things like hail damage, vandalism and hitting a bird. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it's not worth carrying full coverage.
Car insurance company ratings
Ending up with the top auto insurance company can be rather challenging considering how many choices there are in Tampa. The company ratings below could help you select which auto insurers to look at purchasing coverage from.
Top 10 Tampa Car Insurance Companies Ranked by Claims Service
- State Farm
- Liberty Mutual
- American Family
- Titan Insurance
- AAA Insurance