Best Ways to Save on Durham Ford Focus Insurance

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Insurance rates Ford Focus in DurhamFinding low cost rates for Ford Focus insurance in Durham may be difficult for drivers new to shopping for insurance online. Consumers have so many options available that it can quickly become a difficult challenge to compare rates on Ford Focus insurance.

It's amazing but most car insurance buyers kept their coverage with the same car insurance company for four years or more, and 38% of customers have never shopped around. Durham drivers could pocket nearly $100 a year by just comparing quotes, but they won't spend time to compare rates online.

If you already have coverage, you will be able to save money using the techniques presented in this article. Shopping around for the cheapest policy in Durham is not that difficult. Although North Carolina drivers must comprehend how insurance companies sell insurance online because rates are impacted by many factors.

How to compare free Durham Ford Focus insurance quotes

All the larger auto insurance companies like GEICO, State Farm and Progressive provide insurance quotes on their websites. Getting online rates for Ford Focus insurance in Durham doesn't take much effort because it's just a matter of typing in your personal and coverage information into a form. After you submit the form the company's rating system obtains your credit score and driving record and generates pricing information based on many factors.

Using the web to get price quotes for Ford Focus insurance in Durham makes it easy to compare insurance prices and it is important to do this if you want to find cheap auto insurance pricing.

In order to compare rates now, compare quotes from the companies shown below. If you have your current policy handy, we recommend you copy the limits and deductibles exactly as they are listed on your policy. This ensures you will be getting rate quotes for similar insurance coverage.

The companies in the list below are ready to provide quotes in North Carolina. To locate cheap car insurance in Durham, we recommend you visit as many as you can to find the most affordable car insurance rates.

You may qualify for discounts for Ford Focus insurance in Durham

Companies offering auto insurance do not advertise the complete list of policy discounts very well, so the list below gives a summary of both the well known in addition to some of the lesser obvious car insurance savings.Save money with discounts

  • Memberships - Having an affiliation with specific professional or occupational memberships or organizations is a good way to get lower rates on your next renewal.
  • Save over 55 - If you qualify as a senior citizen, you can possibly qualify for better car insurance rates.
  • Passive Restraints and Air Bags - Factory air bags can qualify for discounts as much as 30%.
  • Discount for Life Insurance - Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase some life insurance in addition to your auto policy.
  • Durham Homeowners Pay Less - Owning your own home or condo can save a few bucks since owning and maintaining a home means you have a higher level of financial diligence.
  • One Accident Forgiven - This one is not really a discount per se, but some companies like Allstate, Progressive, and GEICO will forgive one accident before raising your premiums so long as you haven't had any claims for a certain period of time.
  • Policy Bundle Discount - If you have multiple policies and insure them with the same company you could get a discount of over 10 percent off each policy depending on the company.
  • Pay Now and Pay Less - If you can afford to pay the entire bill instead of paying each month you could save 5% or more.
  • Theft Deterrent Discount - Cars, trucks, and SUVs that have factory anti-theft systems help deter theft and earn discounts up to 10% off your Durham car insurance quote.
  • ABS and Traction Control Discounts - Vehicles that have anti-lock braking systems can avoid accidents and the ABS can save up to 10%.

Drivers should understand that many deductions do not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. Even though the math looks like adding up those discounts means a free policy, car insurance companies aren't that generous.

The chart below shows the comparison of Ford Focus insurance prices with and without discounts applied to the policy premium. The rate quotes are based on a female driver, no violations or claims, North Carolina state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, multi-policy, safe-driver, marriage, and homeowner discounts applied.

Insurance companies that may offer policyholders these discounts include:

It's a good idea to ask each company which discounts you qualify for. Some of the earlier mentioned discounts might not be available to policyholders in Durham.

Coverage analysis

The rate table below highlights different insurance policy prices for Ford Focus models. Learning as much as possible about how insurance policy rates are calculated can be valuable when making smart choices when buying a policy.

Ford Focus Insurance Rates in Durham, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $144 $322 $234 $14 $70 $784 $65
Focus SE 4-Dr Sedan $144 $322 $234 $14 $70 $784 $65
Focus SEL 4-Dr Sedan $144 $378 $234 $14 $70 $840 $70
Focus SES 4-Dr Sedan $144 $378 $234 $14 $70 $840 $70
Focus SE 2-Dr Coupe $164 $378 $264 $16 $80 $902 $75
Focus SES 2-Dr Coupe $164 $378 $264 $16 $80 $902 $75
Get Your Own Custom Quote Go

Data variables include married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and North Carolina minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Price estimates do not factor in specific zip code location which can modify auto insurance rates substantially.

The diagram below illustrates how choosing a deductible and can change Ford Focus insurance rates for each different age category. The data is based on a single male driver, comprehensive and collision coverage, and no discounts are factored in.

Do you need full coverage?

The example below shows the difference between Ford Focus insurance premiums with full coverage and liability only. The prices are based on no accidents, no driving violations, $100 deductibles, drivers are not married, and no discounts are factored in.

When to drop comprehensive and collision

There isn't a steadfast formula for dropping full coverage, but there is a guideline you can use. If the yearly cost of full coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.

For example, let's assume your Ford Focus replacement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, you would only receive $8,000 after the deductible is paid. If you are currently paying more than $800 a year to have full coverage, then it might be time to consider dropping full coverage.

There are some circumstances where eliminating full coverage is not advised. If you haven't paid off your loan, you have to keep full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should not opt for liability only.

How do Insurance Providers Determine Ford Focus Insurance Rates?

Many factors are part of the calculation when you quote your car insurance policy. Some of the criteria are obvious such as traffic violations, although some other factors are more transparent like where you live or your financial responsibility. A large part of saving on insurance is knowing the rating factors that help determine your insurance rates. If you know what controls the rates you pay, this helps enable you to make changes that can help you get lower premium levels.

Shown below are a partial list of the pieces used by insurance companies to determine your rate level.

Male prices may be higher - The statistics show women are more cautious behind the wheel. That doesn't necessarily mean that females are better drivers. Females and males are in at-fault accidents in similar percentages, but the males tend to have higher claims. Not only that, but men also get cited for more serious violations like reckless driving and DUI. Young males are the most expensive to insure and are penalized with high insurance rates.

The information below illustrates the comparison of Ford Focus yearly insurance costs for male and female drivers. The premium estimates are based on no claims or driving violations, full physical damage coverage, $500 deductibles, single status, and no discounts are taken into consideration.

Your car's features help determine prices - Owning a car that has an advanced theft prevention system can save you some money. Systems that thwart thieves like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can thwart vehicle theft.

Your stress level may be raising your rates - Careers such as military generals, executives, and dentists tend to pay higher premium rates because of job stress and lots of time spent at work. Other occupations such as professors, athletes and homemakers have the lowest average rates.

Insurance rates and age - Mature drivers are more cautious drivers, tend to cause fewer accidents, and usually have better credit. Teen drivers have been known to be more careless when driving with friends and because of this, their insurance rates are much higher.

The following chart uses these assumptions: single driver, full coverage with $500 deductibles, and no discounts or violations.

Good credit saves on insurance - Having a bad credit score will be a significant factor in your rate calculation. Therefore, if your credit rating is lower than you'd like, you may save money insuring your Ford Focus by taking the time to improve your credit score. Insureds with very high credit ratings tend to be more responsible and file fewer claims than drivers with poor credit scores.

Where you call home can affect prices - Living in less populated areas of the country can be a good thing if you are looking for the lowest rates. Residents of big cities tend to have more aggressive driving styles and higher rates of accident claims. Less people means less chance of accidents and a lower car theft rate.

Ford Focus insurance claim data - Insurers take into consideration insurance loss statistics for every vehicle when they set coverage costs for each model. Models that the data shows to have increased claim numbers or amounts will have higher rates for specific coverages. The next table shows the historical loss data for Ford Focus vehicles.

For each policy coverage type, the statistical loss for all vehicles averaged together equals 100. Percentage values below 100 suggest a positive loss record, while values that are above 100 show a trend for more claims or a tendency for losses to be larger than average.

Ford Focus Insurance Loss Statistics
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
Statistics from IIHS.org for 2013-2015 Model Years

You may want advice from an insurance agency

Many people would rather buy from a licensed agent and that is recommended in a lot of cases The biggest benefit of comparing insurance prices online is that drivers can save money and get cheaper auto insurance rates but still work with a licensed agent. Supporting neighborhood agents is still important in Durham.

Insurance agents in DurhamTo help locate an agent, after submitting this quick form, your information gets sent to agents in your area who will give you bids for your business. There is no need to do any legwork because quoted prices will be sent directly to your email. You can get cheaper car insurance rates and an insurance agent to talk to. If you wish to compare rates from a specific company, you can always navigate to their website and give them your coverage information.

Selecting an insurer should depend on more than just the price. Any agent in Durham should have no problem answering these questions:

  • Do the agents have professional certifications like CPCU or CIC?
  • Does the agency provide any after hours assistance?
  • Do they offer rental car reimbursement?
  • Will high miles depreciate repair valuations?
  • If your car is totaled, how to they determine the replacement cost?
  • Do they regularly work with personal auto policies in Durham?
  • Are claim adjusters local or do you have to take your car somewhere else?

One last thing to lower rates

Consumers who switch companies do it for a variety of reasons including being labeled a high risk driver, delays in responding to claim requests, lack of trust in their agent and policy cancellation. It doesn't matter what your reason, finding a new company is actually quite simple.

We just covered many ideas to compare Ford Focus insurance prices in Durham. It's most important to understand that the more price quotes you have, the higher your chance of finding cheaper Durham car insurance quotes. Consumers could even find that the best prices are with some of the smallest insurance companies.

When getting Durham car insurance quotes online, don't be tempted to buy lower coverage limits just to save a few bucks. In many cases, consumers will sacrifice liability limits or collision coverage and learned later that the savings was not a smart move. Your goal should be to buy a smart amount of coverage for the lowest price but still have enough coverage for asset protection.

Steps to finding lower priced Ford Focus insurance in Durham

The most effective way to get the cheapest Ford Focus insurance is to compare prices at least once a year from providers who provide auto insurance in Durham. You can compare rates by completing these steps.

  1. Try to comprehend individual coverages and the factors you can control to prevent expensive coverage. Many policy risk factors that result in higher prices such as tickets, at-fault accidents, and poor credit history can be eliminated by improving your driving habits or financial responsibility.
  2. Get rate quotes from direct, independent, and exclusive agents. Direct and exclusive agents can provide rates from a single company like Progressive and State Farm, while independent agents can provide price quotes from many different companies. Compare rates
  3. Compare the new rate quotes to your existing rates to see if you can save by switching companies. If you can save some money and buy the policy, make sure coverage is continuous and does not lapse.
  4. Provide adequate notice to your current company of your decision to cancel your current auto insurance policy and submit a signed application and payment to your new company or agent. As soon as you have the new policy, place your new certificate verifying proof of insurance above your visor, in the console, or in the glove compartment.

The most important part of shopping around is that you use the same level of coverage on every price quote and and to look at as many auto insurance providers as possible. Doing this helps ensure a fair price comparison and a complete price analysis.

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