Save Money on Ford Focus Insurance in Philadelphia

Insurance rates Ford Focus in PhiladelphiaAre you regretting the purchase of an overpriced car insurance policy? It’s quite common and there are many Philadelphia consumers feeling the pinch from expensive car insurance.

Statistics show that the vast majority of car insurance customers have been with the same company for well over three years, and almost 40% of drivers have never taken the time to shop around. Most drivers in Philadelphia could save as much as $686 each year just by comparing rates, but they don’t know the actual amount they would save if they moved their coverage to a different company.

Due to the abundance of insurance providers from which to choose, it can be difficult for drivers to choose the best insurer.

Companies offering Ford Focus insurance in Pennsylvania

The following companies are our best choices to provide price quotes in Philadelphia, PA. If the list has multiple companies, it’s a good idea that you visit as many as you can in order to get a fair rate comparison.

Ford Focus coverage statistics

The rate information shown next outlines detailed analysis of insurance policy prices for Ford Focus models. Having a good grasp of how prices are formulated can benefit drivers when making smart choices when comparing insurance rates.

Ford Focus Insurance Rates in Philadelphia, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $132 $264 $336 $20 $100 $852 $71
Focus SE 4-Dr Sedan $132 $264 $336 $20 $100 $852 $71
Focus SEL 4-Dr Sedan $132 $312 $336 $20 $100 $900 $75
Focus SES 4-Dr Sedan $132 $312 $336 $20 $100 $900 $75
Focus SE 2-Dr Coupe $152 $312 $380 $22 $114 $980 $82
Focus SES 2-Dr Coupe $152 $312 $380 $22 $114 $980 $82
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Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Premium amounts do not factor in specific garaging location which can raise or lower price quotes significantly.

Where to set your deductibles

One frequently asked question is which comprehensive and collision deductibles to buy. The rates shown below can help you understand the price difference between low and high physical damage deductibles. The first rate estimation uses a $100 physical damage deductible and the second price table uses a $1,000 deductible.

Ford Focus insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $246 $512 $330 $20 $98 $1,231 $103
Focus SE 4-Dr Sedan $246 $512 $330 $20 $98 $1,231 $103
Focus SEL 4-Dr Sedan $246 $602 $330 $20 $98 $1,321 $110
Focus SES 4-Dr Sedan $246 $602 $330 $20 $98 $1,321 $110
Focus SE 2-Dr Coupe $284 $602 $372 $22 $112 $1,417 $118
Focus SES 2-Dr Coupe $284 $602 $372 $22 $112 $1,417 $118
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Ford Focus insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $136 $270 $330 $20 $98 $854 $71
Focus SE 4-Dr Sedan $136 $270 $330 $20 $98 $854 $71
Focus SEL 4-Dr Sedan $136 $318 $330 $20 $98 $902 $75
Focus SES 4-Dr Sedan $136 $318 $330 $20 $98 $902 $75
Focus SE 2-Dr Coupe $158 $318 $372 $22 $112 $982 $82
Focus SES 2-Dr Coupe $158 $318 $372 $22 $112 $982 $82
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Information does not factor in specific location information which can decrease or increase auto insurance rates greatly.

Based on this data, we can arrive at the conclusion that using a $100 deductible will cost in the ballpark of $34 more each month or $408 each year than choosing the higher $1,000 deductible. Because you would be required to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have at a minimum 26 months between claim filings, you would more than likely save some money going with the higher deductible.

Auto insurance rates are higher with tickets and accidents

The information below illustrates how traffic citations and at-fault claims can raise Ford Focus auto insurance costs for each age group. The premiums assume a married male driver, full coverage, $100 deductibles, and no discounts are taken into consideration.

Ford Focus liability-only versus full coverage

The illustration below illustrates the difference between Ford Focus insurance premiums with full coverage compared to only the Pennsylvania minimum liability coverage. The data is based on no claims or driving violations, $100 deductibles, marital status is single, and no discounts are applied to the premium.

Guidelines for eliminating full coverage

There is no specific rule of when to phase out physical damage insurance, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is 10% or more of the vehicle’s replacement cost less your deductible, then it may be the right time to buy liability only.

For example, let’s pretend your Ford Focus replacement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, you would only receive $5,000 after the policy deductible has been paid. If you are paying more than $500 annually for physical damage coverage, then it’s probably a good time to buy liability coverage only.

There are some circumstances where removing full coverage is not financially feasible. If you still owe a portion of the original loan, you are required to maintain full coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should not consider dropping full coverage.

Discounts can help save money on Ford Focus insurance in Philadelphia

The price of auto insurance can be rather high, but you might find some hidden discounts that you may not even be aware of. Certain discounts will be triggered automatically when you purchase, but lesser-known reductions have to be requested specifically before you will receive the discount.Save money with discounts

Don’t be shocked that most of the big mark downs will not be given to the entire cost. Most only reduce specific coverage prices like comprehensive or collision. So even though they make it sound like it’s possible to get free car insurance, companies don’t profit that way.

The illustration below shows the difference between Ford Focus car insurance costs with and without discounts applied to the policy premium. The data is based on a female driver, no accidents, no driving violations, Pennsylvania state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, multi-car, claim-free, safe-driver, and marriage discounts applied.

If you would like to view insurance companies offering auto insurance discounts in Philadelphia, click this link.

Lower Your Philadelphia Insurance Rates

Multiple criteria are used when you get a price on insurance. Some factors are common sense like your driving record, although others are less apparent like your vehicle usage or your vehicle rating.

Save money by eliminating incidental coverages – There are many optional add-on coverages that you can get tricked into buying when buying auto insurance. Things like vanishing deductibles, high-cost glass coverage, and membership fees are some examples. These may sound like a good investment when you first buy your policy, but if they’re wasting money think about removing them and cutting costs.

Long commutes cost more – The more miles you rack up on your Ford every year the more you will pay for auto insurance. A lot of insurance companies rate vehicles based upon how much you drive. Cars that are left in the garage can be on a lower rate level compared to those used for work or business. It’s a good idea to make sure your auto insurance policy properly reflects the correct driver usage, because it can save money. A policy that improperly rates your Focus may be costing you.

Men drivers tend to cost more – Statistics show females are less aggressive when driving. It does not mean females are better at driving than males. Women and men are in at-fault accidents in similar numbers, but males tend to have higher claims. Not only are claims higher, but men have more aggressive citations like reckless driving and DUI. Teenage male drivers are most likely to cause an accident so it costs more to insure them.

The chart below shows the difference between Ford Focus auto insurance costs for male and female drivers. Data assumes no tickets, no at-fault accidents, comp and collision included, $100 deductibles, drivers are single, and no discounts are applied.

Choose high crash test ratings and save – Cars with high safety ratings tend to have lower insurance rates. Safer cars reduce occupant injuries and lower injury rates translates into savings for insurance companies and cheaper rates on your policy. If your Ford Focus is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may cost less to insure.

More performance means higher costs – The performance of the vehicle you drive makes a significant difference in your auto insurance rates. Economy passenger cars normally have pretty low rates, but the cost you end up paying is determined by many additional factors.

The data below is based on a single male driver age 50, full coverage with $100 deductibles, and no discounts or violations. It illustrates Ford Focus policy rates compared to other models of vehicles that have a range of performance risks.

What are good liability protection limits? – The liability section of your policy will afford coverage if you are determined to be liable for personal injury or accident damage. This coverage provides legal defense coverage which can cost a lot. Liability insurance is quite affordable compared to insuring for physical damage coverage, so drivers should make sure they buy enough to cover all assets.

Stress out and pay more – Do you have a high-stress occupation? Occupations like judges, business owners, and stock brokers generally pay higher premiums than the average policyholder because of intense work situations and extremely grueling work hours. Other jobs like farmers, historians and retirees generally pay rates lower than average.

Claims statistics for a Ford Focus – Auto insurance companies study historical loss data to calculate a price that will offset any claims. Models that the statistics show to have a higher amount or frequency of claims will have higher rates for specific coverages.

The next table shows the loss history for Ford Focus vehicles. For each coverage category, the statistical loss for all vehicles compiled together is set at 100. Percentage numbers below 100 indicate better than average losses, while values that are above 100 point to more claims or statistically larger losses.

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

Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Compare rates but buy from a neighborhood Philadelphia auto insurance agent

Many drivers just want to talk to an insurance agent and that can be a great decision An additional benefit of getting free rate quotes online is that you can find cheaper prices but also keep your business local. Buying insurance from small agencies is definitely important in Philadelphia.

Insurance agents in PhiladelphiaAfter filling out this quick form, your information is sent to participating agents in Philadelphia who will give you quotes to get your business. You don’t have to contact an agency since price quotes are sent directly to your email. You can find the lowest rates and a licensed agent to work with. If you need to compare prices for a specific company, feel free to go to their quote page and submit a quote form there.

Selecting an insurance company should depend on more than just the bottom line cost. Here are some questions to ask:

After you get reasonable responses to any questions you may have and locked in a price quote, you have narrowed it down to an provider that meets your needs to adequately provide car insurance. But remember, policyholders can cancel your policy when you choose so never feel that you’re stuck with any specific agency for the full policy term.

Persistent drivers can save

As you quote Philadelphia auto insurance, never buy less coverage just to save a little money. There are many occasions where consumers will sacrifice liability coverage limits and found out when filing a claim that they should have had better coverage. The goal is to buy a smart amount of coverage at the best possible price while not skimping on critical coverages.

The cheapest Ford Focus insurance in Philadelphia can be found online and from local agencies, and you should be comparing both to get a complete price analysis. Some companies may not provide the ability to get a quote online and usually these smaller providers sell through independent agents.

To learn more, take a look at the resources below: