Compare Ford Focus Insurance Rates in Fort Wayne

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Ford Focus insurance cost
Ford Focus insurance cost image courtesy of QuoteInspector.com

Are you at wits end from scraping the payment together to insure your Ford every month? You have the same problem as many other Indiana consumers.

Discount Ford Focus insuranceIt's a known fact that car insurance companies want to keep your business as long as possible. Insureds who shop rates annually will most likely buy a new policy because they have a good chance of finding a cheaper policy. Surprisingly, a recent survey revealed that consumers who regularly compared price quotes saved approximately $3,400 over four years compared to those who never shopped around.

If finding the lowest price for Ford Focus insurance in Fort Wayne is the reason for your visit, then learning about how to compare auto insurance can make the process more efficient. There are many auto insurance companies to choose from, and though it is a good thing to be able to choose, it can be more challenging to find a good deal for Ford Focus insurance in Fort Wayne.

Finding the cheapest insurance coverage in Fort Wayne is actually not that difficult if you follow our advice. If you are paying for car insurance now, you stand a good chance to be able to get lower rates using these methods. Smart buyers just have to know the most efficient way to quote multiple rates online from multiple companies.

The companies in the list below have been selected to offer free rate quotes in Fort Wayne, IN. In order to find cheaper car insurance in IN, we suggest you visit several of them to get the best price comparison.

Ford Focus insurance rate analysis

The price information shown below showcases different insurance premium costs for Ford Focus models. Learning how auto insurance premiums are figured is important for you to make smart choices when comparing insurance quotes.

Ford Focus Insurance Rates in Fort Wayne, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $210 $450 $380 $22 $114 $1,176 $98
Focus SE 4-Dr Sedan $210 $450 $380 $22 $114 $1,176 $98
Focus SEL 4-Dr Sedan $210 $530 $380 $22 $114 $1,256 $105
Focus SES 4-Dr Sedan $210 $530 $380 $22 $114 $1,256 $105
Focus SE 2-Dr Coupe $240 $530 $428 $26 $128 $1,352 $113
Focus SES 2-Dr Coupe $240 $530 $428 $26 $128 $1,352 $113
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Indiana minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Price information does not factor in the specific area where the vehicle is garaged which can lower or raise insurance rates considerably.

Higher deductibles lower rates

One of the most common insurance questions is where to set your physical damage deductibles. The data tables below show the rate difference between low and high physical damage deductibles. The first rate quote example uses a $100 deductible and the second price table uses a $500 deductible.

Ford Focus insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $210 $436 $280 $16 $84 $1,051 $88
Focus SE 4-Dr Sedan $210 $436 $280 $16 $84 $1,051 $88
Focus SEL 4-Dr Sedan $210 $514 $280 $16 $84 $1,129 $94
Focus SES 4-Dr Sedan $210 $514 $280 $16 $84 $1,129 $94
Focus SE 2-Dr Coupe $242 $514 $318 $18 $94 $1,211 $101
Focus SES 2-Dr Coupe $242 $514 $318 $18 $94 $1,211 $101
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Ford Focus insurance policy 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 multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Premium costs do not factor in specific Fort Wayne garaging location which can impact coverage prices significantly.

Based on the figures above, using a $100 deductible could cost the average driver approximately $20 more each month or $240 annually than opting for the higher $500 deductible. Since the policyholder would be required to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you normally average at a minimum 20 months between claims, you would most likely save money if you choose the higher deductible.

The information below shows how choosing a deductible and can impact Ford Focus insurance prices for each age group. The costs are based on a married male driver, comp and collision included, and no policy discounts are applied.

Price comparison of only insuring for liability

The diagram below illustrates the comparison of Ford Focus annual premium costs with full coverage compared to only the Indiana minimum liability coverage. The premium estimates are based on no accidents, no driving violations, $250 deductibles, drivers are not married, and no discounts are factored in.

When to stop paying for full coverage

There is no specific rule of when to eliminate physical damage coverage, but there is a guideline you can use. If the annual cost of having full coverage is about 10% or more of any settlement you would receive from your insurance company, then you may need to consider dropping full coverage.

For example, let's say your Ford Focus replacement cost is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $6,000 after the deductible is paid. If it's costing you more than $600 a year for physical damage coverage, then you might want to think about dropping full coverage.

There are some situations where only buying liability is not advised. If you haven't satisfied your loan, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if you don't have enough money to buy a different vehicle if your current one is totaled, you should not buy liability only.

Insuring your Focus just makes sense

Even though Fort Wayne Focus insurance rates can get expensive, maintaining insurance may be required and benefits you in several ways.

  • The majority of states have minimum mandated liability insurance limits which means you are required to carry specific limits of liability insurance in order to drive the car. In Indiana these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
  • If your Ford Focus has a lienholder, almost every bank will make it a condition of the loan that you buy full coverage to ensure loan repayment if the vehicle is totaled. If you default on your policy, the lender will be forced to insure your Ford at a much higher premium rate and force you to pay for it.
  • Insurance safeguards not only your Ford Focus but also your assets. It will also reimburse you for hospital and medical expenses for both you and anyone you injure as the result of an accident. Liability coverage also covers legal expenses if you are named as a defendant in an auto accident. If your vehicle suffers damage from an accident or hail, comprehensive and/or collision insurance will pay to have it repaired.

The benefits of insuring your car are definitely more than the cost, particularly when you have a large claim. An average driver in America is overpaying over $869 every year so shop around every year to ensure rates are inline.

Informed Consumers Can Lower Their Insurance Premiums

It's important that you understand the factors that aid in calculating the price you pay for car insurance. If you have some idea of what positively or negatively impacts your premiums, this allows you to make good choices that will entitle you to much lower annual insurance costs.

The factors shown below are some of the things used by companies to determine your premiums.

  • Do thieves like your car? - Selecting a car model with a theft deterrent system can save you a little every year. Anti-theft devices like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can help prevent auto theft and help lower rates.
  • Experienced drivers are lower risk - Older, more experienced drivers are more responsible, are lower risk to insure, and usually have better credit. Inexperience drivers have a tendency to be inattentive and easily distracted when driving with friends so they pay higher car insurance rates.

    The data below uses these assumptions: single driver, full coverage with $250 deductibles, and no discounts or violations.

  • Amount of liability protection - Liability insurance is the coverage that protects you in the event that you are determined to be liable for damages from an accident. Liability provides legal defense which can cost a lot. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • Your credit score is important - Having a bad credit rating is a large factor in determining premium rates. People with excellent credit tend to file fewer claims as compared to drivers with lower credit ratings. If your credit score can use some improvement, you could save money insuring your Ford Focus if you clean up your credit.
  • Don't abuse claims - If you're an insured who likes to file claims you can look forward to increased rates or even have your policy non-renewed. Auto insurance companies in Indiana provide better rates to drivers who file claims infrequently. Insurance coverage is intended to be relied upon for the large, substantial claims.
  • Accidents can increase rates - Getting just one speeding ticket or other violation may cause rates to rise by as much as thirty percent. Good drivers receive lower rates compared to bad drivers. Drivers with serious tickets such as reckless driving or DUI are required to submit a SR-22 or proof of financial responsibility with their state's licensing department in order to prevent a license revocation.

    The diagram below demonstrates how citations and at-fault collisions influence Ford Focus insurance costs for each age group. The information is based on a single male driver, comp and collision included, $250 deductibles, and no policy discounts are applied.

  • Proper usage rating affects rates - The higher the miles on your Ford in a year the higher your rates will be. The majority of insurers charge to insure your cars determined by how the vehicle is used. Autos left parked in the garage get more affordable rates than those used for commuting. Having an incorrect usage rating on your Focus is throwing money out the window. It's a smart idea to ensure your declarations sheet is showing the correct driver usage, because it can save money.
  • Pay more out-of-pocket - Physical damage deductibles represent how much money the insured will be required to pay if a claim is determined to be covered. Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Examples of some claims that would be covered are collision with another vehicle, damage from fire, or theft of your vehicle. The more damage repair cost you choose to pay out-of-pocket, the bigger discount you will receive.
  • Loss statistics for a Ford Focus - Insurers use data from past claims as a way to help calculate a profitable premium rate. Models that the data determines to have higher number or severity of losses will have higher premium rates.

    The data below shows the collected loss data for Ford Focus vehicles. For each policy coverage type, the claim amount for all vehicles, regardless of make, model or trim level, is considered to be 100. Values under 100 suggest a better than average loss history, while values that are 100 or greater point to more frequent losses or an increased chance of a larger loss.

    Ford Focus Insurance Claim Statistics
    Vehicle 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
    BETTER
    AVERAGE
    WORSE

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

Quote more to save more

Some insurance providers may not offer online price quotes and these small, regional companies prefer to sell through independent agents. Lower-priced Ford Focus insurance in Fort Wayne is attainable online and also from your neighborhood Fort Wayne agents, and you need to comparison shop both in order to have the best price selection to choose from.

When searching for cheaper Fort Wayne auto insurance quotes, it's not a good idea to buy poor coverage just to save money. In too many instances, consumers will sacrifice full coverage only to discover later that their decision to reduce coverage ended up costing them more. The aim is to buy the best coverage you can find at the lowest possible cost, but don't skip important coverages to save money.

Steps to finding affordable quotes for Ford Focus insurance in Fort Wayne

If saving money is your primary concern, then the best way to find better pricing on Ford Focus insurance in Fort Wayne is to compare prices once a year from insurers in Indiana.

  1. It will benefit you to learn about how companies set rates and the factors you can control to keep rates in check. Many policy risk factors that result in higher prices like traffic violations, accidents, and a lousy credit rating can be amended by improving your driving habits or financial responsibility.
  2. Quote rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give prices from a single company like GEICO or State Farm, while agents who are independent can quote prices for many different companies.
  3. Compare the new rates to your existing policy to see if a cheaper price is available. If you can save some money, ensure coverage does not lapse between policies.
  4. Provide notification to your current agent or company of your intent to cancel your current coverage and submit any necessary down payment along with the completed application for the new coverage. As soon as coverage is bound, place your new proof of insurance paperwork in an easily accessible location in your vehicle.

The most important part of shopping around is that you'll want to make sure you compare similar limits and deductibles on every quote request and and to get price estimates from as many companies as you can. This helps ensure a level playing field and plenty of rates choose from.

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