Finding the best cheap auto insurance for a Ford Focus relies on a fairly complex equation with a lot of factors such as whether you are married, the likelihood of your vehicle being stolen, and whether or not you are a good driver. Texas drivers pay around $1,034 annually to insure their Focus, but that price is an approximation based upon a 30-year-old married male driver with full coverage and $500 deductibles.
The problem with using this number is the good chance you’re not a 30-year-old male, you might be single instead of married, or maybe you don’t qualify for the same discounts. Not everyone needs the same coverages, so the way we recommend to find the most affordable coverage for your Ford is to do your own rate comparisons. It’s really quite easy you will get price quotes from some of the most affordable companies around.
Vehicle trim level has an effect on the coverage cost, so the price you will pay to insure a Focus S 4-Dr Sedan will be $170 less expensive the cost to insure the higher-priced Focus SES 2-Dr Coupe version, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Focus S 4-Dr Sedan||$208||$400||$382||$22||$114||$1,126||$94|
|Focus SE 4-Dr Sedan||$208||$400||$382||$22||$114||$1,126||$94|
|Focus SEL 4-Dr Sedan||$208||$472||$382||$22||$114||$1,198||$100|
|Focus SES 4-Dr Sedan||$208||$472||$382||$22||$114||$1,198||$100|
|Focus SE 2-Dr Coupe||$240||$472||$430||$26||$128||$1,296||$108|
|Focus SES 2-Dr Coupe||$240||$472||$430||$26||$128||$1,296||$108|
|Get Your Own Custom Quote Go|
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Table data does not factor in specific garaging location which can modify insurance rates noticeably.
Ending up with a high-quality auto insurance company can be challenging considering how many different insurance companies sell coverage in Arlington. The information displayed below can help you select which providers you want to consider when buying insurance for a Ford Focus.
These rankings are only made up of the largest companies in America, so companies that have a smaller presence are not taken into consideration for these rankings. To get rate quotes from these and other top-rated companies, click this link.
Top 10 Major Auto Insurance Providers in Arlington Ranked by Claims Service
- State Farm
- Liberty Mutual
- American Family
- Titan Insurance
- AAA Insurance
Top 10 Major Auto Insurance Providers in Arlington Ranked by A.M. Best Rating
- Travelers – A++
- USAA – A++
- GEICO – A++
- State Farm – A++
- Titan Insurance – A+
- Esurance – A+
- Progressive – A+
- The Hartford – A+
- Allstate – A+
- Nationwide – A+
The diagram below shows how choosing a deductible can impact insurance costs when getting quotes for cheap insurance for a Ford Focus. The data assumes a married male driver, comprehensive and collision coverage, and no discounts are taken into consideration.
The data above shows that a 50-year-old driver could lower rates by $346 a year by changing from a $100 deductible to a $500 deductible, or save $522 by selecting a $1,000 deductible. Even younger insureds, such as the Age 20 example, could reduce their rates as much as $1,176 every year just by using higher deductibles.
If you do make the decision to raise your deductibles, it is necessary to have emergency funds available to be able to pay the extra out-of-pocket expense, which is the one shortcoming of high deductibles.
Rate increases following a ticket or accident
The ideal way to enjoy the most affordable insurance rates in Arlington for a Focus is to drive carefully and not get tickets or have accidents. The example below illustrates how speeding tickets and at-fault collisions can increase premium costs for different age groups of insureds. Data assumes a single female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied to the premium.
In the example above, the average cost of car insurance per year with no accidents and a clean driving record is $2,535. Receive one speeding ticket and the average cost increases to $2,875, an increase of $340 each year. Now add two accidents along with the one speeding ticket and the annual cost of insurance for a Ford Focus increases to an average of $5,829. That’s an increase of $3,294, or $275 per month, just for not being more responsible behind the wheel!
Full coverage versus liability-only in Arlington
Finding the cheapest insurance should be important to the majority of people, and one way to lower the cost of insurance for a Ford Focus is to only buy liability coverage. The chart below visualizes the comparison of auto insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The rate quotes are based on no accidents or driving violations, $500 deductibles, single status, and no discounts are factored in.
If we average the cost for ages 20 through 70, physical damage coverage costs an additional $2,085 per year more than buying just liability insurance. Many drivers will wonder when is the right time to remove full coverage. There is no exact rule of when to eliminate comprehensive and collision coverage on your policy, but there is a general convention. If the annual cost of having full coverage is more than around 10% of the settlement you would receive from your company, then you might want to consider buying only liability coverage.
For example, let’s assume your vehicle’s claim settlement value is $6,500 and you have $1,000 deductibles. If your vehicle is totaled, the most you would get paid by your company is $5,500 after the policy deductible has been paid. If you are paying in excess of $550 a year for comprehensive and collision coverage, then you might want to think about dropping full coverage.
There are a few situations where only buying liability is not a good idea. If you still owe money on your vehicle, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should not opt for liability only.