Save Money on Ford Focus Insurance in Indianapolis

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Insurance quote for Ford Focus in IndianapolisRemarkably, a study showed that almost 70% of drivers in Indiana have bought car insurance from the same company for at least the last four years, and almost 40% of drivers have never quoted rates to find lower-cost coverage. Drivers in America can cut their rates by roughly 46.5% a year, but they mistakenly think it's difficult to go online and compare rates.

If you want to save the most money, the best way to find cheaper quotes for Ford Focus insurance in Indianapolis is to regularly compare quotes from providers who provide auto insurance in Indiana. Rate comparisons can be done by following these guidelines.

Step 1: Get an understanding of how your policy works and the steps you can take to prevent rate increases. Many factors that are responsible for high rates such as traffic tickets, fender benders, and a negative credit score can be remedied by making small lifestyle or driving habit changes. Keep reading for the details to help find cheaper rates and get additional discounts.

Step 2: Compare rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can give quotes from a single company like GEICO or State Farm, while independent agents can provide prices from multiple companies.

Step 3: Compare the new rate quotes to your existing coverage to see if a cheaper rate is available. If you find a better price and decide to switch, make sure there is no coverage gap between policies.

Step 4: Notify your current company to cancel your current car insurance policy. Submit a down payment along with a completed application to your new agent or company. Once coverage is bound, place your new proof of insurance certificate in an easily accessible location.

A key point to remember is that you'll want to compare the same deductibles and limits on each quote request and and to get quotes from as many different companies as possible. Doing this guarantees a level playing field and a complete rate analysis.

If you are insured now, you will surely be able to shop for the lowest rates using the techniques presented in this article. Finding the cheapest coverage in Indianapolis can be much easier if you know how to start. Although Indiana drivers must comprehend how the larger insurance companies market insurance on the web.

Ford Focus insurance charts and tables

The price information shown below showcases estimates of coverage costs for Ford Focus models. Knowing how insurance quotes are formulated can be valuable when making smart choices when buying a car insurance policy.

Ford Focus Insurance Rates in Indianapolis, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $120 $250 $270 $16 $80 $736 $61
Focus SE 4-Dr Sedan $120 $250 $270 $16 $80 $736 $61
Focus SEL 4-Dr Sedan $120 $296 $270 $16 $80 $782 $65
Focus SES 4-Dr Sedan $120 $296 $270 $16 $80 $782 $65
Focus SE 2-Dr Coupe $138 $296 $304 $18 $92 $848 $71
Focus SES 2-Dr Coupe $138 $296 $304 $18 $92 $848 $71
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Premium data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Premium costs do not factor in specific zip code location which can increase or decrease premiums considerably.

Deductible analysis

When comparing car insurance rates, the most common question is which comprehensive and collision deductibles to buy. The comparison tables below sum up how much more you'll pay of buying low and high deductibles. The first rate quote example uses a $250 deductible for comp and collision and the second data table uses a $500 deductible.

Ford Focus insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $188 $366 $280 $16 $84 $959 $80
Focus SE 4-Dr Sedan $188 $366 $280 $16 $84 $959 $80
Focus SEL 4-Dr Sedan $188 $430 $280 $16 $84 $1,023 $85
Focus SES 4-Dr Sedan $188 $430 $280 $16 $84 $1,023 $85
Focus SE 2-Dr Coupe $216 $430 $318 $18 $94 $1,101 $92
Focus SES 2-Dr Coupe $216 $430 $318 $18 $94 $1,101 $92
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Ford Focus insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $154 $294 $280 $16 $84 $828 $69
Focus SE 4-Dr Sedan $154 $294 $280 $16 $84 $828 $69
Focus SEL 4-Dr Sedan $154 $348 $280 $16 $84 $882 $74
Focus SES 4-Dr Sedan $154 $348 $280 $16 $84 $882 $74
Focus SE 2-Dr Coupe $176 $348 $318 $18 $94 $954 $80
Focus SES 2-Dr Coupe $176 $348 $318 $18 $94 $954 $80
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Prices do not factor in specific garaging location which can change premium rates considerably.

Based on the figures above, using a $250 deductible costs an average of $12 more each month or $144 every year across all Ford Focus models than opting for the higher $500 deductible. Because you would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you average at a minimum 21 months between claims, you would probably come out ahead by selecting a higher deductible.

How to decide to raise your deductibles

Average monthly premium for $250 deductibles: $86
Average monthly premium for $500 deductibles (subtract): - $74
Monthly savings from raising deductible: $12
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $12
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 21 months

One important issue to know is that raising deductibles means you will have to pay more if you have a claim. You must have a higher level of savings in the event you have to pay the deductible.

The illustration below demonstrates how choosing different deductibles and can affect Ford Focus insurance costs for each different age category. The premiums are based on a single female driver, full coverage, and no discounts are applied.

Impact of violations and accidents on rates

The example below illustrates how speeding tickets and at-fault fender-benders can drive up Ford Focus yearly insurance costs for different age groups of insureds. The data is based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied to the premium.

Difference between liability only and full coverage rates

The chart below illustrates the difference between Ford Focus insurance costs with full physical damage coverage and with liability coverage only. The premium estimates are based on no driving violations, no at-fault accidents, $500 deductibles, drivers are not married, and no other discounts are factored in.

When to drop comprehensive and collision

There is no set guideline of when to phase out physical damage coverage, but there is a general convention. If the annual cost of coverage is about 10% or more of the replacement cost minus the deductible, then you might want to consider buying only liability coverage.

For example, let's pretend your Ford Focus settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $2,000 after the policy deductible has been paid. If it's costing in excess of $200 a year for comprehensive and collision coverage, then you might want to think about dropping full coverage.

There are some conditions where removing full coverage is not in your best interest. If you have an outstanding loan on your vehicle, you have to carry full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should keep full coverage in place.

What Impacts Ford Focus Insurance Rates?

The best way to find cheaper insurance is to take a look at some of the factors that come into play when calculating your insurance rates. If you have some idea of what positively or negatively impacts your premiums, this empowers consumers to make smart changes that will entitle you to lower premium levels.

The itemized list below are some of the factors utilized by car insurance companies to help set your premiums.

  • Older drivers are lower risk - Older insureds are more responsible, file fewer claims, and usually have better credit. Teenage drivers are statistically shown to be careless and easily distracted with other occupants in the car so they pay higher insurance rates.

    The chart below assumes a single driver, full coverage with $100 deductibles, and no discounts or violations.

  • Reserve insurance claims for larger damages - If you're an insured who likes to file claims you can expect higher rates. Companies in Indiana give better rates to people that do not abuse their auto insurance. Your insurance policy is designed for the bigger claims that can't be paid out-of-pocket.
  • Do thieves like your car? - Owning a car with a theft deterrent system can help bring down rates. Anti-theft features such as OnStar, LoJack tracking, and tamper alarms can help prevent car theft.
  • Single drivers take more risk - Your spouse may save some money when shopping for insurance. Having a spouse generally demonstrates drivers are more mature and responsible and it's proven that married drivers get in fewer accidents.
  • Decrease premiums by maintaining coverage - Driving without insurance coverage in place is a big no-no and your next policy will cost more because you let your insurance expire. Not only will you pay more, not being able to provide proof of insurance can result in a hefty fine and possibly a revoked license. You will then be forced to file a SR-22 with the Indiana motor vehicle department to get your license reinstated.
  • Stress out and pay more - Did you know your occupation can influence how much you pay for insurance? Occupational choices like judges, executives, and miners tend to pay higher premium rates due to job stress and extremely grueling work hours. Other jobs such as farmers, engineers and performers have the lowest average rates.
  • Battle of the sexes - Over the last 30 years, statistics show that women are safer drivers than men. Now that doesn't mean women are better drivers. Both genders get in auto accidents at a similar rate, but men get into accidents with more damage. Men also tend to get more serious tickets such as reckless driving.

    The illustration below illustrates the comparison of Ford Focus insurance costs for male and female drivers. The premiums assume a clean driving record, no at-fault accidents, full physical damage coverage, $1,000 deductibles, drivers are single, and no discounts are factored in.

  • Loss statistics for a Ford Focus - Companies use past insurance losses when they set coverage costs for each model. Vehicles that historically have higher number or severity of losses will cost more to insure.

    The information below illustrates the historical loss data for Ford Focus vehicles. For each policy coverage type, the claim probability for all vehicles, without regard to make or model, is set at 100. Numbers shown that are under 100 indicate a favorable loss history, while numbers shown that are more than 100 point to more claims or an increased likelihood of larger losses.

    Ford Focus Insurance Claim Statistics
    Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
    Ford Focus 106 98 90 103 109 111
    Ford Focus Electric 87 85 66

    Empty fields indicate not enough data collected
    Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

More comparisons equals cheap rates

Insureds switch companies for many reasons like being labeled a high risk driver, high rates after DUI convictions, not issuing a premium refund and even unfair underwriting practices. No matter why you want to switch, finding a new auto insurance company can be easy and end up saving you some money.

As you shop your coverage around, it's a bad idea to reduce needed coverages to save money. There are a lot of situations where an insured dropped liability limits or collision coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to buy a smart amount of coverage at the best cost.

Budget-conscious Ford Focus insurance is available on the web and from local agencies, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies may not offer online price quotes and many times these regional insurance providers work with independent insurance agencies.

More detailed auto insurance information is available at these sites: