Ford Focus Insurance Quotes in Santa Ana

Ford Focus insurance cost image courtesy of QuoteInspector.com

Amazingly, most car insurance buyers in California have stayed with the same insurance company for at least four years, and approximately 40% of consumers have never quoted car insurance rates at all. Many consumers in the United States could save 47% each year by just comparing rate quotes, but they won't spend time to find affordable rates by getting comparison quotes.

The easiest way to quote cheaper car insurance rates is to compare prices once a year from insurance carriers in Santa Ana.

1. Take a few minutes and learn about how companies price auto insurance and the things you can change to drop your rates. Many rating factors that result in higher rates like speeding tickets, accidents and a substandard credit score can be improved by making lifestyle changes or driving safer. Continue reading for additional tips to get affordable coverage and find additional discounts you may qualify for.
2. Compare rates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give prices from a single company like GEICO and State Farm, while independent agents can provide prices from multiple companies.
3. Compare the new rates to your current policy and see if there is a cheaper rate. If you find better rates and change companies, make sure coverage is continuous and does not lapse.
4. Tell your current company of your intent to cancel your existing policy. Submit a completed application and payment to the newly selected company. Once coverage is bound, place your new certificate verifying proof of insurance in your glove compartment.

A tip to remember is to make sure you're comparing identical limits and deductibles on each price quote and and to get quotes from as many auto insurance providers as possible. This ensures a fair rate comparison and a better comparison of the market.

If you are insured now or are just looking to switch companies, you can follow these tips to reduce the price you pay without reducing coverage. Choosing the best rates in Santa Ana can be easy if you know a few tricks. Smart buyers only need to know the most effective way to compare different rates online.

Lowering your Ford Focus auto insurance rates is not a difficult process. You just need to spend a few minutes to compare rates online from several insurance companies.

Getting rate quotes online is very simple and it replaces the need to call or drive to all the different Santa Ana insurance agencies. Shopping for auto insurance online makes this unnecessary unless you have a complicated situation and need the professional advice of a local agency. Although, it is possible comparison shop online and have a local agent actually service the policy.

The providers in the list below offer price quotes in California. If more than one company is shown, we suggest you visit as many as you can in order to find the most affordable rates.

Best reasons to buy auto insurance in California

Despite the high insurance cost for a Ford Focus in Santa Ana, paying for auto insurance is most likely required but also gives you several important benefits.

• Most states have minimum mandated liability insurance limits which means you are required to carry a specific minimum amount of liability in order to get the vehicle licensed. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If you have a lien on your vehicle, almost all lenders will make it a condition of the loan that you have insurance to ensure the loan is repaid in case of a total loss. If you cancel or allow the policy to lapse, the lender may have to buy a policy to insure your Ford at a more expensive rate and require you to pay the higher price.
• Auto insurance preserves not only your car but also your financial assets. Insurance will pay for most medical and hospital costs for you, your passengers, and anyone else injured in an accident. Liability coverage also pays for attorney fees and expenses if someone files suit against you as the result of an accident. If your Ford gets damaged, comprehensive and/or collision insurance will cover the repair costs.

The benefits of buying enough insurance are definitely more than the cost, particularly when you have a large claim. Unknowingly, the average driver overpays more than $865 each year so you should quote and compare rates each time the policy renews to save money.

Facts and figures for Ford Focus insurance

The premium information shown next showcases different coverage prices for Ford Focus models. Learning as much as possible about how insurance policy premiums are calculated can be valuable when making smart buying decisions.

Table data represents married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Rates do not factor in specific zip code location which can alter rates substantially.

Impact of age and gender on auto insurance rates

The information below compares Ford Focus insurance prices for male and female drivers. The premiums are based on no claims or driving violations, full physical damage coverage, $500 deductibles, drivers are not married, and no additional discounts are factored in.

Liability only or full coverage

The information below shows the comparison of Ford Focus yearly insurance costs with full physical damage coverage compared to only buying liability only. Data assumes a clean driving record, no claims, $500 deductibles, single marital status, and no additional discounts are factored in.

Guidelines for dropping full coverage

There is no definitive formula for excluding physical damage coverage on your policy, but there is a guideline you can consider. If the annual cost of having full coverage is more than around 10% of replacement cost minus your deductible, then you might want to consider buying only liability coverage.

For example, let's assume your Ford Focus claim settlement value is $9,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $8,000 after you pay the deductible. If you are currently paying more than $800 a year for your policy with full coverage, then you may need to consider dropping full coverage.

There are some circumstances where dropping physical damage coverage is not financially feasible. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if you can't afford to buy a different vehicle if your current one is totaled, you should keep full coverage in place.

Insurance policy discounts for Ford Focus insurance in Santa Ana

Insuring your vehicles can cost a lot, but you may find discounts that you may not know about. A few discounts will automatically apply when you purchase, but some may not be applied and must be requested specifically in order for you to get them.

• 55 and Retired - If you qualify as a senior citizen, you can get reduced rates.
• Discount for New Cars - Buying a new car instead of a used Focus can get you a discount due to better safety requirements for newer vehicles.
• Distant College Student Discount - Kids who live away from home to go to college and do not have access to a covered vehicle may be insured at a cheaper rate.
• Cautious Driver Discounts - Accident-free drivers may receive a discount up to 45% than their less cautious counterparts.
• Early Switch Discount - A few companies allow discounts for buying a policy prior to your current Focus insurance policy expiration. This discount can save up to 10%.

Keep in mind that some credits don't apply to the entire cost. Some only reduce the cost of specific coverages such as comprehensive or collision. Despite the appearance that it's possible to get free car insurance, companies don't profit that way. But any discount will bring down the cost of your policy.

The illustration below shows the comparison of Ford Focus car insurance rates with and without policy discounts. The costs are based on a female driver, no accidents or driving violations, California 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 safe-driver, claim-free, multi-policy, multi-car, marriage, and homeowner discounts applied.

Larger insurance companies and their possible discounts include:

• State Farm has savings for anti-theft, accident-free, driver's education, student away at school, and good student.
• Farmers Insurance offers discounts for good student, pay in full, teen driver, electronic funds transfer, distant student, homeowner, and alternative fuel.
• GEICO may offer discounts for defensive driver, membership and employees, military active duty, anti-theft, and anti-lock brakes.
• American Family offers premium reductions for mySafetyValet, early bird, accident-free, good student, and defensive driver.
• Nationwide includes discounts for defensive driving, good student, easy pay, accident-free, Farm Bureau membership, anti-theft, and business or organization.
• Progressive policyholders can earn discounts including good student, multi-vehicle, online signing, online quote discount, continuous coverage, and multi-policy.

When getting a coverage quote, ask every insurance company which discounts you may be entitled to. Some of the earlier mentioned discounts may not apply to policyholders in every state. To see a list of providers with the best discounts in Santa Ana, follow this link.

Compare prices but work with a local neighborhood Santa Ana car insurance agent

A small number of people just want to talk to a local agent and that can be a smart move Agents will help you protect your assets and help you file claims. One of the best bonuses of comparing car insurance online is that you can find the best rates and still have a local agent.

To make it easy to find an agent, after completing this form (opens in new window), your information is instantly submitted to insurance agents in Santa Ana who will give you quotes for your business. It's much easier because you don't need to search for an agent since rate quotes are delivered to you. If you need to quote rates from a particular provider, you would need to navigate to their website and fill out the quote form the provide.

Finding a good provider requires you to look at more than just a low price. Here are some questions you should ask.

• How much will you save each year by using a higher deductible?
• Does the agency support the community they serve?
• What is their Better Business Bureau rating?
• Do they have any clout with companies to ensure a fair claim settlement?
• Who is covered by the car insurance policy?
• Are there any hidden costs in their price quote and does it include driving and credit history?
• Does the company have a solid financial rating?

Different people need different insurance coverages

Always keep in mind that when comparing insurance from an agent or online, there really isn't a one-size-fits-all type of policy. You are unique.

For instance, these questions can aid in determining whether or not you could use an agent's help.

• Can I pay claims out-of-pocket if I buy high deductibles?
• What is motorclub and do I need it?
• What are the best liability limits?
• How do I file an SR-22 for a DUI in California?
• Why am I required to get a high-risk car insurance policy?
• If I use my vehicle for business use is it covered?
• What if I owe more than I can insure my car for?

If you're not sure about those questions, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and can provide invaluable advice.

Persistence pays off

People who switch companies do it for a variety of reasons including policy cancellation, being labeled a high risk driver, delays in responding to claim requests or even high prices. No matter why you want to switch, switching car insurance companies can be pretty painless.

In this article, we covered many tips how you can reduce Ford Focus insurance premium rates online in Santa Ana. It's most important to understand that the more companies you get prices for, the better your chances of lowering your prices. Consumers may even find the best premium rates are with a smaller regional carrier.

When shopping online for car insurance, it's very important that you do not buy less coverage just to save a little money. In many cases, an insured cut full coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The goal is to buy enough coverage for the lowest cost and still be able to protect your assets.

More information is located on the following sites:

• State Laws for Cellphones and Texting (iihs.org)
• How Much is Auto Insurance for a Hyundai Elantra in Santa Ana? (FAQ)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)
• Learn About Car Insurance (GEICO)
• What to do at the Scene of an Accident (Insurance Information Institute)