Ford Focus Insurance Rates in Louisville

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Ford Focus insurance image courtesy of QuoteInspector.com

Discount Ford Focus insuranceHaving to pay for high-priced insurance in Louisville can consume your personal savings and force you to make sacrifices. Comparing rate quotes is an excellent way to ensure you are getting the best deal.

It's a known fact that car insurance companies don't want customers comparing rates. Consumers who get comparison quotes once a year will probably switch companies because of the good chance of finding a policy with more affordable rates. Surprisingly, a recent survey revealed that people who routinely compared quotes saved on average $70 a month compared to other drivers who never shopped around for cheaper prices.

If finding the most affordable Ford Focus insurance is why you're here, then understanding the best ways to find and compare auto insurance can make the process less intimidating.

How to buy low-cost Ford Focus insurance in Louisville

The best way to get the cheapest Ford Focus insurance in Louisville is to compare prices once a year from insurance carriers in Kentucky. You can compare rates by following these steps.

First, gain an understanding of coverages and the measures you can control to prevent high rates. Many things that are responsible for high rates such as inattentive driving and poor credit rating can be remedied by making small lifestyle or driving habit changes. Continue reading for more information to help reduce prices and find possible discounts that are available.

Second, obtain price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from a single company like Progressive or Farmers Insurance, while independent agencies can give you price quotes from multiple insurance companies. Compare rates now

Third, compare the new rate quotes to the premium of your current policy to see if cheaper Focus coverage is available in Louisville. If you find a better price and switch companies, ensure coverage does not lapse between policies.

Fourth, tell your current company to cancel the current policy. Submit payment and a signed application for the new coverage. Be sure to put the proof of insurance paperwork above your visor, in the console, or in the glove compartment.

One thing to remember is to try to use identical deductibles and limits on each quote and and to compare all possible companies. Doing this ensures the most accurate price comparison and the best price selection.

With consumers having so many options for buying affordable insurance for a Ford Focus in Louisville, it is hard for the average consumer to pick the lowest price insurer.

It's a good habit to compare prices as often as possible since insurance rates fluctuate regularly. If you had the lowest rate on Ford Focus insurance in Louisville six months ago the chances are good that you can find a lower price today. There is too much inaccurate information about Focus insurance out there, but in a few minutes you can learn some proven techniques to find affordable insurance in Louisville.

Finding the cheapest insurance coverage in Louisville is not rocket science. If you're already insured or just want cheaper rates, you can use this information to find better prices and still get good coverage. Consumers just need to understand the most time-saving way to compare company rates online from multiple companies.

Cheap companies for Ford Focus insurance

The companies shown below can provide price comparisons in Louisville, KY. If your goal is to find the cheapest car insurance in Louisville, KY, we recommend you compare several of them to find the most affordable auto insurance rates.

Rates and detailed analysis

The price information shown below showcases a range of policy rates for Ford Focus models. Being able to understand how prices are established helps drivers make smart choices when comparing insurance rates.

Ford Focus Insurance Rates in Louisville, KY
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $244 $524 $440 $26 $132 $1,366 $114
Focus SE 4-Dr Sedan $244 $524 $440 $26 $132 $1,366 $114
Focus SEL 4-Dr Sedan $244 $616 $440 $26 $132 $1,458 $122
Focus SES 4-Dr Sedan $244 $616 $440 $26 $132 $1,458 $122
Focus SE 2-Dr Coupe $280 $616 $498 $30 $150 $1,574 $131
Focus SES 2-Dr Coupe $280 $616 $498 $30 $150 $1,574 $131
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Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Kentucky minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Information does not factor in zip code location which can affect auto insurance rates considerably.

Comparison of policy deductibles

One common question asked by Louisville drivers is the level to set your comp and collision deductibles. The comparison tables below can help you understand the difference in cost between low and high insurance deductibles. The first data table uses a $100 deductible and the second rate chart uses a $1,000 deductible.

Ford Focus insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $244 $508 $326 $20 $98 $1,221 $102
Focus SE 4-Dr Sedan $244 $508 $326 $20 $98 $1,221 $102
Focus SEL 4-Dr Sedan $244 $598 $326 $20 $98 $1,311 $109
Focus SES 4-Dr Sedan $244 $598 $326 $20 $98 $1,311 $109
Focus SE 2-Dr Coupe $280 $598 $368 $22 $110 $1,403 $117
Focus SES 2-Dr Coupe $280 $598 $368 $22 $110 $1,403 $117
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Ford Focus insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $136 $268 $326 $20 $98 $848 $71
Focus SE 4-Dr Sedan $136 $268 $326 $20 $98 $848 $71
Focus SEL 4-Dr Sedan $136 $316 $326 $20 $98 $896 $75
Focus SES 4-Dr Sedan $136 $316 $326 $20 $98 $896 $75
Focus SE 2-Dr Coupe $156 $316 $368 $22 $110 $972 $81
Focus SES 2-Dr Coupe $156 $316 $368 $22 $110 $972 $81
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Kentucky minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Rate information does not factor in vehicle garaging location which can modify price quotes substantially.

Based on this data, using a $100 deductible costs an average of $33 more each month or $396 for a full year than quoting the higher $1,000 deductible. Because you would be required to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to have more than 27 months between claims, you would more than likely save some money if you choose the higher deductible.

Reckless driving habits raise Louisville car insurance rates

The illustration below demonstrates how traffic citations and at-fault fender-benders influence Ford Focus premium costs for different categories of driver ages. The rates are based on a single female driver, full coverage, $100 deductibles, and no discounts are factored in.

Cheaper rates by applying discounts

Car insurance is not inexpensive, but you can get discounts that many consumers don't even know exist. Many of these discounts will be applied automatically when you purchase, but a few must be asked about prior to receiving the credit. If you don't get every credit you qualify for, you're paying more than you need to.Discount car insurance

  • No Charge for an Accident - Not a discount per se, but a handful of insurance companies permit an accident before your rates go up as long as you don't have any claims for a set time period.
  • Telematics Devices - People who choose to allow driving data submission to study driving habits through the use of a telematics system like Drivewise from Allstate or In-Drive from State Farm may get a rate reduction if they are good drivers.
  • Air Bag Discount - Cars that have air bags can get savings of 25 to 30%.
  • Multiple Cars - Purchasing coverage when you have multiple vehicles on the same car insurance policy can get a discount on all vehicles.
  • ABS Brakes - Cars, trucks, and SUVs that have anti-lock braking systems can avoid accidents so companies give up to a 10% discount.
  • Safety Restraint Discount - Drivers who always wear seat belts and also require passengers to use their safety belts may be able to save a few bucks on the medical payments or PIP coverage costs.
  • Full Payment Discount - If you can afford to pay the entire bill instead of making monthly payments you can avoid the installment charge.

One thing to note about discounts is that most credits do not apply to your bottom line cost. Most cut the cost of specific coverages such as physical damage coverage or medical payments. Despite the fact that it seems like all those discounts means the company will pay you, companies don't profit that way. But all discounts will definitely reduce the cost of coverage.

The chart below shows the difference between Ford Focus insurance costs with and without discounts being applied to the rates. The rates are based on a female driver, a clean driving record, no at-fault accidents, Kentucky state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, multi-policy, safe-driver, homeowner, and marriage discounts applied.

A list of companies and some of the premium reductions they offer are included below.

  • Progressive discounts include multi-vehicle, multi-policy, good student, homeowner, online signing, and online quote discount.
  • Farmers Insurance offers premium reductions for teen driver, youthful driver, good student, multi-car, mature driver, business and professional, and distant student.
  • Farm Bureau may offer discounts for good student, 55 and retired, multi-vehicle, renewal discount, and youthful driver.
  • State Farm has discounts for multiple autos, Steer Clear safe driver discount, anti-theft, student away at school, good student, and driver's education.
  • GEICO may have discounts that include defensive driver, good student, anti-theft, driver training, federal employee, emergency military deployment, and anti-lock brakes.
  • SAFECO policyholders can earn discounts including multi-car, teen safety rewards, anti-theft, accident prevention training, homeowner, and teen safe driver.
  • Liberty Mutual offers discounts including multi-policy, good student, exclusive group savings, safety features, newly married, teen driver discount, and new graduate.

Before you buy a policy, ask all the companies which discounts you may be entitled to. Some discounts might not be offered on policies in your area.

Informed Consumers Can Slash Their Insurance Costs

Many factors are taken into consideration when you get a price on insurance. Some of the criteria are obvious like a motor vehicle report, although some other factors are less apparent such as your credit history or how safe your car is.

Performance makes a difference - The performance level of the vehicle you drive makes a significant difference in the rate you pay. The best insurance prices will generally be found on the lowest performance passenger models, but there are many factors that impact the final cost.

The next chart is based on a married female driver age 20, full coverage with $100 deductibles, and no discounts or violations. It shows Ford Focus rates compared to other models of vehicles that have a range of performance rating factors.

High auto insurance claims frequency drives up auto insurance rates - If you're an insured who likes to file claims you can definitely plan on higher rates. Companies in Kentucky give discounts to people that do not abuse their auto insurance. Your car insurance is intended for claims that you cannot pay yourself.

Auto insurance rates and your occupation - Occupations like real estate brokers, police officers, and accountants tend to pay the highest rates in part from intense work requirements and lots of time spent at work. On the other hand, occupations such as actors, students and performers have the lowest average rates.

Lower rates for married couples - Getting married may cut your premiums when buying auto insurance. Having a significant other means you're more mature and responsible and it's statistically proven that married drivers get in fewer accidents.

Auto insurance rates and age - More experienced drivers are viewed as being more responsible, cause fewer claims and accidents, and usually have better credit. Beginning drivers are proven to be inattentive behind the wheel so auto insurance rates are higher.

The following data assumes a single driver, full coverage with $500 deductibles, and no discounts or violations.

Cars with good safety ratings cost less to insure - Vehicles that have high safety ratings can get you lower premiums. Highly rated vehicles help reduce the chance of injuries in an accident and better occupant protection means your insurance company pays less which can mean better rates for you.

Your address can modify price - Choosing to live in areas with lower population may provide you with better prices when insuring your vehicles. Less people living in that area means less chance of accidents in addition to lower liability claims. City drivers regularly have more aggressive driving styles and a longer drive to work. The longer drive time statistically corresponds to a higher accident and claim rate.

Allowing your coverage to lapse raises prices - Having a gap between insurance policy dates can be a fast way to drive up your policy premiums. Not only will you pay higher rates, getting caught without coverage may earn you fines or a revoked license.

Insurance losses for a Ford Focus - Insurance companies use past loss statistics for each vehicle to help calculate premium costs. Vehicles that tend to have a higher amount or frequency of claims will cost more for specific coverages.

The table below outlines the collected loss data for Ford Focus vehicles. For each coverage type, the loss probability for all vehicles, without regard to make or model, is a value of 100. Numbers under 100 suggest a positive loss record, while percentage values above 100 point to more frequent losses or a tendency for losses to be larger than average.

Insurance Loss Ratings for Ford Focus Vehicles
Specific Ford 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
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

When to get professional advice

When it comes to buying your policy for your vehicles, there really is no cookie cutter policy. Your needs are unique to you so your insurance should reflect thatDrive safe and save For instance, these questions could help you determine if you will benefit from professional help.

  • How much can I save by bundling my policies?
  • Can my teen drive my company car?
  • I have health insurance so do I need medical payments coverage?
  • Do I need PIP coverage since I have good health insurance?
  • When would I need rental car insurance?
  • Where can I find DUI or SR-22 insurance?
  • If my Ford Focus is totaled, can I afford another vehicle?
  • Do I need special endorsements for business use of my vehicle?

If it's difficult to answer those questions but you think they might apply to your situation, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area. It is quick, free and can help protect your family.

Insurance agencies near you

Certain consumers would prefer to sit down with an agent and that is not a bad decision Professional insurance agents are trained risk managers and will help you if you have claims. A good thing about comparing rates online is that drivers can save money and get cheap car insurance rates and still have a local agent.

Insurance agents in LouisvilleFor easy comparison, once you complete this short form, the quote information is immediately sent to agents in your area who will give competitive quotes to get your business. You don't have to contact any agents as quotes are delivered to you instantly. If for some reason you want to quote rates from a specific company, just jump over to their website to submit a rate quote request.

Finding the right provider should depend on more than just a low price. These are some questions your agent should answer.

  • Are they actively involved in the community?
  • Will you work with the agent or an assistant?
  • Does the agency provide any after hours assistance?
  • Is the agent and/or agency licensed to do business in Kentucky?
  • Can they help ensure a fair claim settlement?

If you receive good feedback to these questions and inexpensive Ford Focus insurance in Louisville quotes, chances are good that you have found an provider that meets the requirements to provide car insurance coverage. But remember, you have the power to terminate coverage any time you want so never feel you are locked into your new company for the full policy term.

Persistence will pay off

We've covered a lot of tips how to save on Ford Focus insurance in Louisville. The key thing to remember is the more quotes you get, the better your comparison will be. You may even be surprised to find that the lowest rates come from a smaller regional carrier. Regional companies may have significantly lower auto insurance rates on certain market segments compared to the large companies like State Farm and Allstate.

Budget-friendly car insurance in Louisville can be bought both online in addition to many Louisville insurance agents, and you should compare rates from both to have the best selection. Some insurance providers may not offer the ability to get quotes online and these smaller companies sell through local independent agents.

Steps to finding lower priced Ford Focus insurance in Louisville

Truthfully, the best way to find cheaper quotes for Ford Focus insurance is to begin comparing prices regularly from different companies in Louisville. Drivers can shop around by following these guidelines.

  1. Try to understand auto insurance and the things you can change to keep rates down. Many risk factors that result in higher rates like traffic violations and a not-so-good credit rating can be controlled by making small lifestyle or driving habit changes.
  2. Compare price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can give quotes from a single company like Progressive or State Farm, while agents who are independent can give you price quotes for a wide range of insurance providers. View insurance agents
  3. Compare the price quotes to your existing coverage and see if there is a cheaper rate in Louisville. If you find a lower rate and make a switch, make sure there is no coverage gap between policies.
  4. Notify your company or agent of your decision to cancel your current coverage and submit a completed policy application and payment to the new company. Immediately put the new certificate of insurance along with your vehicle registration.

A tip to remember is to try to compare identical coverage information on every price quote and and to get quotes from every company you can. Doing this ensures an apples-to-apples comparison and a good representation of prices.

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