Finding cheaper coverage for a Ford Focus in Texas depends on many rating criteria such as age of the vehicle, the size of your vehicle, and citations on your driving record. Drivers in Texas pay on average $1,079 annually to insure their Focus, but that amount is a projection calculated using a 50-year-old single male driver with full comprehensive and collision coverage and $500 deductibles.
The issue with using an average estimated rate is the likelihood you’re not a 50-year-old male, you might be married instead of single, and you might want liability-only or different deductibles. Auto insurance is not the same for everyone, so the only real way to find the cheapest coverage for your Ford is to compare as many rates as possible.
Your vehicle’s trim level tends to impact the yearly cost, so the cost to insure a Focus S 4-Dr Sedan trim level will be $176 cheaper than the insurance cost for the high end Focus SES 2-Dr Coupe model, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Focus S 4-Dr Sedan||$180||$412||$430||$26||$128||$1,176||$98|
|Focus SE 4-Dr Sedan||$180||$412||$430||$26||$128||$1,176||$98|
|Focus SEL 4-Dr Sedan||$180||$486||$430||$26||$128||$1,250||$104|
|Focus SES 4-Dr Sedan||$180||$486||$430||$26||$128||$1,250||$104|
|Focus SE 2-Dr Coupe||$206||$486||$486||$28||$146||$1,352||$113|
|Focus SES 2-Dr Coupe||$206||$486||$486||$28||$146||$1,352||$113|
|Get Your Own Custom Quote Go|
Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Rates do not factor in vehicle garaging location which can alter auto insurance rates noticeably.
Buying coverage from the best car insurance provider is difficult considering how many different companies there are to choose from in Plano. The company information shown next may help you pick which providers you want to consider buying from. These rankings include companies with a national presence, so smaller companies will not be included in these rankings.
Top 10 Large Auto Insurance Companies in Plano Ranked by Customer Service
- Mercury Insurance
- AAA Insurance
- Safeco Insurance
- State Farm
- The Hartford
- The General
The diagram below demonstrates how deductible levels can raise or lower yearly insurance costs when quoting cheap insurance for a Ford Focus. The premiums assume a married male driver, full coverage, and no discounts are taken into consideration.
In the chart above, a 30-year-old driver could save $396 a year by switching from a $100 deductible to a $500 deductible, or save $598 by switching to a $1,000 deductible. Younger drivers, like the 20-year-old category, could shave $1,206 or even more just by choosing higher deductibles when buying full coverage.
When choosing a higher deductible, it will now be necessary to have additional funds in a savings account to satisfy the extra out-of-pocket expense that deters many people from opting for higher deductibles.
Liability only or full coverage
Saving money on car insurance is important to the majority of drivers, and one common way to buy cheaper insurance for a Ford Focus is to only buy liability insurance. The illustration below compares car insurance costs with full coverage compared to only the Texas minimum liability coverage. The data is based on a clean driving record, no at-fault accidents, $1,000 deductibles, marital status is single, and no discounts are factored in.
If we average all the age groups together, comprehensive and collision coverage on your policy costs $2,131 per year more than just buying liability insurance. A very common question is if full coverage is worth the money. There isn’t a steadfast formula to delete full coverage, but there is a general school of thought. If the yearly cost of comp and collision coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then you may need to consider dropping full coverage.
For example, let’s assume your vehicle’s book value is $6,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would get paid by your company is $5,000 after paying your deductible. If it’s costing you more than $500 annually for full coverage, then it might be time to buy liability only.
There are some scenarios where only buying liability is not a good plan. If you haven’t satisfied your loan, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not buy liability only.
Why you should be shopping around
Plano, TX car insurance rates are influenced by many factors that may substantially change the price of coverage. Improving your credit score, adding a teenager to your policy, or having a fender bender may cause policy rate changes resulting in some companies being cheaper in comparison to the competition.
Additionally, insurance companies change prices without warning to adjust for heavy claims or excess profits. A period of higher than normal claims may result in additional premium costs, while a better loss history can produce cheaper Focus insurance rates.
To help illustrate this point, the chart below compares the cheapest car insurance in Plano, TX for a 35-year-old male driver with a clean driving record, no accidents, and a good credit rating. If we estimate rates based on his current risk factors, Travelers quotes the lowest car insurance rates in Plano at $1,103 each year. This is $801 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are the remaining best Plano, TX auto insurance companies.
In this next rate comparison, we will give the driver from the first rate comparison an at-fault accident, a lower credit score, and a speeding citation. Since each insurance company uses their own calculation for setting rates, getting updated rate quotes will most likely result in a slightly different list of the cheapest companies as shown below.
USAA now has the best price in Plano with State Farm, Mercury, Safe Auto, and Nationwide completing the list. This shows why it is so important to spend some time comparing rates when trying to find the best insurance rates for a Ford Focus.
Car insurance prices are influenced by many things and change dramatically, so the best company a year ago may now be priced much higher than other options.
Tips to find the cheapest insurance for a Ford Focus
The list below summarizes some of the better thrifty suggestions that can help Texas drivers get more affordable coverage.
- Serious violations like DUI or reckless driving can increase rates dramatically
- Do not get into accidents that are your fault
- Buy vehicles with good safety ratings
- Buy your auto and home insurance from the same company and save
- Frequent claims will increase rates
- Compare price quotes at least once a year
That last idea is particularly vital, as was emphasized in this piece. Prices vary considerably, so drivers shouldn’t hesitate to buy a policy from a new company if a better deal can be had.
Staying with the same company for years is fine, but we do not recommend it if it’s costing you money that could be going to better use. In just a few minutes you could compare prices to find cheaper auto insurance for a Ford Focus in Plano.
If you have questions and prefer to get help from a professional when shopping for cheaper insurance for a Ford Focus, the agents listed below can most likely help you decide which coverage meets your needs best.
To locate a Plano insurance agent close to you, click the link at the bottom or click here to compare rates now.
- Hallmark Insurance Co
6500 Pinecrest Dr – Plano, TX 75024 – (800) 486-5616
- Brian Slack – State Farm Insurance Agent
8612 Preston Rd d119 – Plano, TX 75024 – (972) 384-2660
- Encore Insurance Agency, L.L.C.
2301 Ohio Dr – Plano, TX 75093 – (877) 745-5005
- Nationwide Insurance: Reginald Denard White
800 E Central Pkwy Ste 200 – Plano, TX 75074 – (972) 422-9412
- Ruth Bookhammer – State Farm Insurance Agent
1106 14th St – Plano, TX 75074 – (469) 814-0551