Best Ways to Save on Orlando Ford Focus Insurance

Unimaginable but true, most car insurance policyholders have bought car insurance from the same company for four years or more, and almost half have never compared rates from other carriers. Orlando insurance shoppers could save themselves almost $1,130 a year by just comparing quotes, but they just don’t want to shop around.

Insurance quote for Ford Focus in OrlandoReally, the only way to quote cheaper Ford Focus insurance in Orlando is to start comparing prices regularly from companies who provide car insurance in Florida. You can compare prices by following these steps.

A good tip to remember is to compare identical limits and deductibles on every price quote and and to get rates from as many companies as feasibly possible. Doing this guarantees the most accurate price comparison and many rates to choose from.

If you’re already insured or just want a better rate, use these cost-cutting techniques to save money and still get good coverage. Finding the cheapest coverage in Orlando can initially seem challenging. Comparison shoppers just need to know the tricks to shop their coverage around from many different companies.

The easiest way to compare insurance rates in your area is to understand car insurance companies pay for the opportunity to provide you with a free rate quote. The only thing you need to do is provide information such as whether you are married, how you use your vehicles, how much education you have, and the type of vehicles you drive. Your details is instantly submitted to many highly-rated insurers and you will receive price estimates with very little delay.

To start a rate quote now, click here and enter your coverage details.

The following companies offer free rate quotes in Orlando, FL. If you want to find the best car insurance in Orlando, FL, it’s a good idea that you click on several of them in order to get a fair rate comparison.

These discounts can lower your auto insurance quotes

Auto insurance is easily one of your largest bills, but you may find discounts that could drop your premiums quite a bit. A few discounts will be applied at quote time, but occasionally some discounts must be manually applied before being credited.Save money with discounts

As a disclaimer on discounts, some credits don’t apply to the entire cost. Most only apply to the cost of specific coverages such as liability, collision or medical payments. Despite the appearance that all those discounts means the company will pay you, you’re out of luck. But all discounts will bring down your policy premiums.

The example below compares Ford Focus auto insurance costs with and without discounts applied. The prices are based on a female driver, no violations or accidents, Florida 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 multi-policy, homeowner, marriage, safe-driver, claim-free, and multi-car discounts applied.

If you would like to see a list of auto insurance companies who offer online Ford Focus insurance quotes in Florida, follow this link.

Analysis of Ford Focus rates

The information shown next showcases detailed analysis of insurance rates for Ford Focus models. Being more informed about how insurance policy premiums are determined can assist in making decisions when choosing a new policy provider.

Ford Focus Insurance Rates in Orlando, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $220 $494 $542 $32 $162 $1,450 $121
Focus SE 4-Dr Sedan $220 $494 $542 $32 $162 $1,450 $121
Focus SEL 4-Dr Sedan $220 $584 $542 $32 $162 $1,540 $128
Focus SES 4-Dr Sedan $220 $584 $542 $32 $162 $1,540 $128
Focus SE 2-Dr Coupe $252 $584 $612 $36 $184 $1,668 $139
Focus SES 2-Dr Coupe $252 $584 $612 $36 $184 $1,668 $139
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Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Information does not factor in specific Orlando garaging location which can modify price quotes considerably.

Comparison of policy deductibles

One common question asked by Orlando drivers is how high should the physical damage coverage deductibles be. The comparison tables below may help to illustrate the rate fluctuation when you buy lower versus higher physical damage coverage deductibles. The first rate estimation uses a $100 physical damage coverage deductible and the second rate chart uses a $500 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 $312 $648 $418 $24 $124 $1,551 $129
Focus SE 4-Dr Sedan $312 $648 $418 $24 $124 $1,551 $129
Focus SEL 4-Dr Sedan $312 $764 $418 $24 $124 $1,667 $139
Focus SES 4-Dr Sedan $312 $764 $418 $24 $124 $1,667 $139
Focus SE 2-Dr Coupe $358 $764 $472 $28 $142 $1,789 $149
Focus SES 2-Dr Coupe $358 $764 $472 $28 $142 $1,789 $149
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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 $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
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Premium costs do not factor in specific garaging location which can modify price quotes substantially.

Based on this data, using a $100 deductible costs about $29 more each month or $348 a year averaged for all Focus models than choosing the higher $500 deductible. Since you would pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you tend to have more than 14 months between claim filings, you would probably save some money by going with a higher deductible. The numbers below show how you can make your own decision.

Average monthly premium for $100 deductibles: $139
Average monthly premium for $500 deductibles (subtract): – $110
Monthly savings from raising deductible: $29
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $29
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 14 months

One thing to note is that a higher deductible means you pay more out-of-pocket when you have a physical damage claim. That will force you to have some extra funds in the event you need to pay the higher deductible in order to repair your vehicle.

What Impacts Ford Focus Insurance Prices?

Many factors are used when pricing auto insurance. Some of the criteria are obvious like a motor vehicle report, although some other factors are less apparent like your continuous coverage or how financially stable you are. Consumers need to have an understanding of the factors that are used to determine the rates you pay for insurance. When consumers understand what determines base rates, this helps enable you to make changes that may result in better insurance rates.

The items below are some of the things utilized by car insurance companies to help set your rates.

Protect yourself with liability protection – Your policy’s liability coverage provides coverage in the event that a court rules you are at fault for causing personal injury or damage in an accident. It provides legal defense starting from day one. Liability insurance is pretty cheap when compared with rates for comp and collision, so drivers should buy more than the minimum limits required by law.

Tickets will cost you – Having just one speeding ticket could increase your next policy renewal by as much as twenty percent. Careful drivers pay less for auto insurance as compared to those with violations. Drivers with license-revoking citations like DUI, reckless driving or excessive speeding may find they need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to legally drive a vehicle.

The diagram below demonstrates how traffic citations and fender-benders influence Ford Focus car insurance costs for different insured age categories. The data assumes a married female driver, comp and collision included, $500 deductibles, and no discounts are applied.

Bundle policies to earn discounts – Most major insurance companies will award a discount for people who consolidate policies with them in the form of a multi-policy discount. Discounts can be ten or even up to twenty percent in some cases. Even though this discount sounds good, it’s in your best interest to compare other company rates to help ensure you have the lowest rates.There is a good possibility that you can find a better deal even if you insure with multiple companies

Are you male or female? – Statistics demonstrate that females tend to be a little less risky than males. It does not mean women are BETTER drivers than men. Both genders cause at-fault accidents in similar percentages, but the males tend to have higher claims. Men also tend to get more serious tickets such as driving while intoxicated (DWI) or driving recklessly.

The example below illustrates the comparison of Ford Focus annual premium costs for male and female drivers. The prices are based on no violations or accidents, full physical damage coverage, $250 deductibles, single status, and no additional discounts are factored in.

What are your comp and collision deductibles? – Comp and collision deductibles are how much the insured will be required to pay before your insurance pays a claim. Insurance for physical damage, termed comprehensive and collision coverage on your policy, protects your car from damage. Some examples of claims that would be covered would be rear-ending another vehicle, animal collisions, and damage caused by road hazards. The more damage repair cost you’re willing to pay, the less your company will charge you for insurance.

Continuous coverage lowers prices – Having a gap between insurance policy dates can be a quick way to trigger a rate increase. Not only will rates go up, failure to provide proof of insurance may earn you a license revocation or jail time. You may need to provide proof of insurance in the form of an SR-22 filing with the Florida DMV.

Ford Focus insurance loss statistics – Companies take into consideration insurance loss statistics for every vehicle when setting premium costs. Models that are shown to have a trend towards higher claims will cost more to insure.

The table below demonstrates the collected loss data for Ford Focus vehicles. For each insurance policy coverage type, the statistical loss for all vehicles, as a total average, is set at 100. Percentage values below 100 imply a favorable loss record, while percentages above 100 indicate frequent claims or a tendency for claims to be larger.

Ford Focus Insurance Loss 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

Empty fields indicate not enough data collected
Statistics from for 2013-2015 Model Years