Shopping for the lowest price Austin Ford Focus insurance quotes on the internet might seem overwhelming for vehicle owners new to quoting and shopping for insurance over the internet. With a ridiculous number of companies, how can you have a chance to compare every one to find the lowest rates?
Amazingly, most drivers in Texas kept buying from the same company for over three years, and almost 40% of drivers have never compared car insurance rates at all. American insurance shoppers can save about 47% each year just by shopping around, but most tend to underestimate the large savings they would see if they moved their coverage to a different company.
It’s a good habit to compare rates at least once a year because car insurance prices change regularly. Even if you think you had the lowest rates on Ford Focus insurance in Austin a couple years back you may be paying too much now. You can find a lot of wrong information about Focus insurance on the internet, but in this article, you’re going to get some of the best ways to lower your car insurance bill.
This information will help educate you on the most effective way to quote insurance and some tips to save money. If you currently have auto insurance, you should be able to save money using the following tips. Nevertheless, Texas car owners must comprehend the way companies calculate your policy premium because it varies considerably.
Best companies for affordable Ford Focus insurance in Texas
The companies shown below provide free quotes in Texas. If the list has multiple companies, it’s highly recommended you get prices from several of them to find the cheapest car insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Focus S 4-Dr Sedan | $286 | $592 | $382 | $22 | $114 | $1,396 | $116 |
| Focus SE 4-Dr Sedan | $220 | $512 | $430 | $26 | $128 | $1,316 | $110 |
| Focus SEL 4-Dr Sedan | $318 | $858 | $514 | $30 | $154 | $1,874 | $156 |
| Focus SES 4-Dr Sedan | $246 | $684 | $400 | $24 | $120 | $1,474 | $123 |
| Focus SE 2-Dr Coupe | $186 | $400 | $414 | $24 | $124 | $1,148 | $96 |
| Focus SES 2-Dr Coupe | $282 | $684 | $486 | $28 | $146 | $1,626 | $136 |
| Get Your Own Custom Quote Go | |||||||
Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Rate quotes do not factor in specific zip code location which can change price quotes significantly.
Choosing deductibles
The example below demonstrates how deductibles and can change Ford Focus premium costs for different age groups. The data assumes a single female driver, full coverage, and no discounts are factored in.
Raise deductibles and save
One common question asked by Austin drivers is how high or low should comp and collision deductibles be. The following tables may aid in understanding the premium difference of buying low and high insurance deductibles. The first rate comparisons uses a $250 deductible for comp and collision and the second rate table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Focus S 4-Dr Sedan | $256 | $496 | $382 | $22 | $114 | $1,295 | $108 |
| Focus SE 4-Dr Sedan | $256 | $496 | $382 | $22 | $114 | $1,295 | $108 |
| Focus SEL 4-Dr Sedan | $256 | $584 | $382 | $22 | $114 | $1,383 | $115 |
| Focus SES 4-Dr Sedan | $256 | $584 | $382 | $22 | $114 | $1,383 | $115 |
| Focus SE 2-Dr Coupe | $294 | $584 | $430 | $26 | $128 | $1,487 | $124 |
| Focus SES 2-Dr Coupe | $294 | $584 | $430 | $26 | $128 | $1,487 | $124 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Focus S 4-Dr Sedan | $158 | $312 | $382 | $22 | $114 | $988 | $82 |
| Focus SE 4-Dr Sedan | $158 | $312 | $382 | $22 | $114 | $988 | $82 |
| Focus SEL 4-Dr Sedan | $158 | $368 | $382 | $22 | $114 | $1,044 | $87 |
| Focus SES 4-Dr Sedan | $158 | $368 | $382 | $22 | $114 | $1,044 | $87 |
| Focus SE 2-Dr Coupe | $182 | $368 | $430 | $26 | $128 | $1,134 | $95 |
| Focus SES 2-Dr Coupe | $182 | $368 | $430 | $26 | $128 | $1,134 | $95 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Price estimates do not factor in Austin location which can change coverage rates considerably.
Based on the data above, we can derive that using a $250 deductible would cost the average driver about $28 more each month or $336 each year than opting for the higher $1,000 deductible. Since you would pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you usually have at least 27 months between claims, you would probably be better off going with the higher deductible.
Should you buy full coverage?
The information below illustrates the comparison of Ford Focus insurance premiums with full physical damage coverage and with liability coverage only. Data assumes no violations or claims, $500 deductibles, single male driver, and no discounts are applied.
Should you pay for full coverage or liability only?
There is no definitive guideline for phasing out full coverage on your policy, but there is a guideline you can use. If the annual cost of coverage is about 10% or more of the settlement you would receive from your company, then you might consider buying liability only.
For example, let’s pretend your Ford Focus claim settlement value is $8,000 and you have $1,000 deductibles. If your vehicle is totaled, the most you would get paid by your company is $7,000 after the policy deductible has been paid. If premiums are more than $700 a year for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.
There are some situations where eliminating full coverage is not advised. If you still have a lienholder on your title, you must maintain physical damage coverage to satisfy the loan requirements. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should maintain full coverage.
Get cheaper Ford Focus insurance in Austin with discounts
Auto insurance companies don’t always list every discount available in a way that’s easy to find, so the following is a list of some of the more common and also the lesser-known discounts that you may qualify for.
- Discounts for Federal Employees – Federal government employees may reduce rates when you quote Austin auto insurance with select insurance companies.
- Multiple Vehicles – Insuring primary and secondary vehicles with one company could earn a price break for each car.
- First Accident Forgiveness – Not necessarily a discount, but companies like Liberty Mutual, Allstate and State Farm will let one accident slide without the usual rate increase as long as you don’t have any claims for a particular time prior to the accident.
- Active Service Discounts – Being on active deployment in the military may qualify for rate reductions.
- Theft Deterrent System – Cars, trucks, and SUVs with anti-theft systems are stolen with less frequency so companies will give you a small discount.
- Low Mileage Discounts – Keeping the miles down on your Ford could be rewarded with slightly better insurance rates than normal.
- Payment Method – If you pay your entire premium ahead of time rather than spreading payments over time you could save 5% or more.
- Life Insurance – Larger insurance companies have a discount if you purchase life insurance from them.
A little disclaimer on discounts, some of the credits will not apply to the entire policy premium. Most only reduce the price of certain insurance coverages like liability and collision coverage. Even though the math looks like it’s possible to get free car insurance, companies wouldn’t make money that way.
Companies and some of the premium reductions they offer are included below.
- State Farm may have discounts that include good student, safe vehicle, multiple autos, good driver, passive restraint, student away at school, and multiple policy.
- Liberty Mutual may include discounts for newly retired, new vehicle discount, hybrid vehicle, preferred payment discount, and newly married.
- American Family may offer discounts for good student, multi-vehicle, bundled insurance, air bags, defensive driver, mySafetyValet, and early bird.
- Progressive offers premium reductions for continuous coverage, homeowner, multi-vehicle, online quote discount, and good student.
- Farmers Insurance includes discounts for good student, bundle discounts, switch companies, alternative fuel, pay in full, electronic funds transfer, and distant student.
- Auto-Owners Insurance offers discounts for group or association, paperless, air bags, student away at school, mature driver, multi-policy, and good student.
- SAFECO has savings for homeowner, teen safe driver, multi-car, anti-theft, drive less, and teen safety rewards.
If you want cheaper Austin auto insurance quotes, ask each company or agent how you can save money. A few discounts might not be offered on policies in Austin. If you would like to see a list of companies with the best Ford Focus insurance discounts in Texas, click here to view.
Smart Buyers Know How to Quote Car Insurance Cheaper
Many different elements are considered when quoting car insurance. Some are obvious such as your driving record, but other criteria are not quite as obvious like your vehicle usage or your financial responsibility. It’s important that you understand a few of the rating criteria that help calculate the level of your policy premiums. If you know what impacts premium levels, this enables you to make decisions that may reward you with big savings.
- Amount of liability protection – Liability coverage kicks in when you are found to be at fault for damages caused by your negligence. This coverage provides you with a defense in court which can cost a lot. It is affordable coverage compared to insuring for physical damage coverage, so do not skimp.
- Safety ratings are a factor – Vehicles that have high safety ratings tend to have better insurance rates. Vehicles built for safety reduce occupant injuries and fewer injuries translates into fewer and smaller insurance claims which can result in lower premiums. If your Ford earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
- Insure your auto and home with one company – Most larger car insurance companies afford lower prices to clients that have more than one policy, otherwise known as a multi-policy discount. This can amount to as much as ten percent or more Even if you already get this discount, it’s in your best interest to get quotes from other companies to guarantee you are still saving the most.
- Where you reside is a factor – Living in a small town is a positive aspect when shopping for auto insurance. Fewer drivers means less chance of accidents in addition to fewer liability claims. City drivers tend to have congested traffic and more time behind the wheel. Spending more time driving means more chance of being in an accident.
- Never let your car insurance lapse – Having a gap between insurance policy dates can be a quick way to drive up your policy premiums. Not only will rates go up, getting caught without coverage may result in a revoked license or a big fine. Then you may be required to provide proof of insurance in the form of an SR-22 filing with the Texas DMV.
- Insurance loss statistics a Ford Focus – Companies include the past claim history for a vehicle when setting rates for each model. Vehicles that the data determines to have a trend towards higher claims will have increased rates.
The information below illustrates the historical insurance loss data for Ford Focus vehicles. For each policy coverage, the claim probability for all vehicles, as a total average, is considered to be 100. Percentage numbers below 100 represent a good loss history, while values over 100 indicate more frequent claims or an increased chance of a larger loss.
Ford Focus Insurance Loss Statistics
Vehicle 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 IIHS.org for 2013-2015 Model Years
When should I have guidance from a local insurance agent?
A small number of people still prefer to buy from a local agent and that can be a smart move A good thing about comparing rates online is that drivers can save money and get lower rates and still choose a local agent. And providing support for local insurance agents is important particularly in Austin.
To find an agent, once you fill out this quick form, your insurance data is transmitted to local insurance agents who can give free rate quotes for your insurance coverage. It’s much easier because you don’t need to visit any agencies because prices are sent directly to you. You can find better rates without a big time investment. If you have a need to get a rate quote for a specific company, just navigate to their website and submit a quote form there.
Different types of Austin car insurance agents
If you’re trying to find a reliable insurance agency, there are a couple of types of agencies that differ in how they can insure your vehicles. Car insurance agents can be categorized as either exclusive agents or independent agents.
Independent Car Insurance Agents (or Brokers)
Independent agencies are not limited to a single company and that gives them the ability to insure through many different car insurance companies and get the cheapest rates. If prices rise, they simply move your policy to a different company and you don’t have to do anything.
When comparing car insurance prices, you absolutely need to contact a couple of independent agencies so that you have a good selection of quotes to compare. Many can place coverage with less well-known companies that many times have cheaper rates.
The following are Austin independent agencies who can help you get comparison quotes.
- AUSTIN AREA INSURANCE AGENCY
8711 Burnet Rd – Austin, TX 78757 – (512) 253-8726 – View Map - EZ Insurance Agency – North
7600 N Lamar Blvd # E – Austin, TX 78752 – (512) 445-2700 – View Map - Independent Insurance Agents
1115 San Jacinto Blvd – Austin, TX 78701 – (512) 476-6281 – View Map
Exclusive Insurance Agents
Agents that elect to be exclusive can usually just insure with one company such as Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agents are unable to provide other company’s prices so always compare other rates. Exclusive agents are trained well on what they offer and that can be a competitive advantage. Consumers sometimes buy insurance from these agents mostly because of the brand legacy rather than low rates.
Below are exclusive agencies in Austin that can give you rate quotes.
- Brandy Whiteside – State Farm Insurance Agent
3601 W William Cannon Dr #100 – Austin, TX 78749 – (512) 892-5542 – View Map - David Simmons – State Farm Insurance Agent
1910 W Braker Ln #400 – Austin, TX 78758 – (512) 837-8825 – View Map - Bridgette Hearne – State Farm Insurance Agent
3407 W Slaughter Ln b – Austin, TX 78748 – (512) 441-3704 – View Map
Picking an car insurance agent requires you to look at more than just the premium amount. These are some questions your agent should answer.
- How is replacement cost determined on your vehicle?
- Are they properly licensed to sell insurance in Texas?
- How many years of experience in personal auto insurance do they have?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- How long have they been in business?
- Will the agent help in case of a claim?
Advertising myths
State Farm, GEICO and Progressive continually stream television and radio advertisements. All the ads convey the message that you can save if you move your car insurance policy to them. How does every company charge less that you’re paying now? Here is the trick they use.
Insurance companies quote their cheapest rates for the type of customer that will most likely be profitable. A good example of a profitable customer could possibly be a female over age 40, carries full coverage, and has excellent credit. Someone who fits that profile will get low prices and will also cut their rates substantially.
Potential customers who don’t meet this ideal profile will see higher rates and this can result in the customer not buying. The trick companies use is to say “customers who switch” but not “all drivers who get quotes” save the amount stated. That’s the way insurance companies can confidently advertise the way they do.
This really illustrates why it is so important to get as many free Austin auto insurance quotes as possible. It is impossible to predict which insurance companies will provide you with the cheapest Ford Focus insurance in Austin.
Be persistent and save
We just covered a lot of techniques to shop for Ford Focus insurance online. The most important thing to understand is the more companies you get car insurance rates for, the better your comparison will be. Consumers may even find the most savings is with the least-expected company.
When trying to cut insurance costs, make sure you don’t buy lower coverage limits just to save a few bucks. There have been many cases where someone dropped uninsured motorist or liability limits only to find out that the few dollars in savings costed them thousands. Your focus should be to buy a smart amount of coverage for the lowest cost, but do not skimp to save money.
Some insurance companies do not offer online rate quotes and these regional insurance providers only sell coverage through independent agents. Budget-conscious Ford Focus insurance can be bought both online in addition to many Austin insurance agents, so you should be comparing quotes from both to get a complete price analysis.
More information can be read on the following sites:
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
- How Much is Austin Auto Insurance for Safe Drivers? (FAQ)
- Who Has the Cheapest Car Insurance for Government Employees in Austin? (FAQ)
- What Insurance is Cheapest for Immigrants in Austin? (FAQ)
- Who Has Cheap Car Insurance Rates for 18 Year Olds in Austin? (FAQ)
- What Auto Insurance is Cheapest for First-time Drivers in Austin? (FAQ)
- Credit Impacts Car Insurance Rates (State Farm)
- What does Personal Injury Protection (PIP) Cover? (Allstate)