Cheap Quotes for Ford Focus Insurance in Plano

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If your goal is the lowest price, then the best way to find low-cost Ford Focus insurance in Plano is to make a habit of regularly comparing prices from insurance carriers who provide car insurance in Texas.

  1. Take a few minutes and learn about how companies set rates and the steps you can take to prevent rate increases. Many risk factors that drive up the price like distracted driving and a negative credit history can be controlled by making minor changes in your lifestyle. This article gives additional ideas to help prevent costly coverage and get discounts that may be overlooked.
  2. Compare price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only quote rates from one company like GEICO or Farmers Insurance, while independent agencies can provide prices from multiple sources.
  3. Compare the new rate quotes to your existing rates and see if there is a cheaper rate in Plano. If you find a lower rate quote and change companies, make sure coverage is continuous and does not lapse.
  4. Provide notification to your current company of your intent to cancel your current auto insurance policy and submit a signed application and payment to your new carrier. When you receive it, keep the new certificate verifying coverage in your glove compartment.

A good tip to remember is to make sure you're comparing identical coverages on each quote request and and to look at every company you can. Doing this ensures a fair rate comparison and a good representation of prices.

Insurance quote for Ford Focus in PlanoAnyone knows that car insurance companies don't want their policyholders to compare prices. Drivers who shop around once a year will presumably switch companies because there is a good probability of finding lower prices. Remarkably, a study showed that drivers who shopped around every year saved approximately $72 a month compared to drivers who never compared other company's rates.

If finding low prices for insurance is your ultimate goal, then having a good understanding the best ways to shop for auto insurance can make it easier to shop your coverage around.

Companies offering competitive Ford Focus price quotes in Plano, TX

The providers in the list below can provide quotes in Texas. If you want the cheapest auto insurance in TX, it's highly recommended you get price quotes from several of them to get a more complete price comparison.

Insurance data for a Ford Focus

The table below highlights different insurance premium costs for Ford Focus models. Being more informed about how auto insurance policy rates are determined can help customers make smart buying decisions.

Ford Focus Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $326 $592 $500 $30 $150 $1,598 $133
Focus SE 4-Dr Sedan $326 $592 $500 $30 $150 $1,598 $133
Focus SEL 4-Dr Sedan $326 $698 $500 $30 $150 $1,704 $142
Focus SES 4-Dr Sedan $326 $698 $500 $30 $150 $1,704 $142
Focus SE 2-Dr Coupe $374 $698 $564 $34 $168 $1,838 $153
Focus SES 2-Dr Coupe $374 $698 $564 $34 $168 $1,838 $153
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Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Rates do not factor in specific Plano garaging location which can change coverage prices noticeably.

Raise deductibles and save

One of the most common insurance questions is at what level do you set your deductibles. The tables below determine the costs and benefits when you buy lower versus higher physical damage deductibles. The first rate quote example uses a $250 comprehensive and collision deductible and the second rate table uses a $500 deductible.

Ford Focus insurance premium rates with $250 deductibles
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
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Ford Focus insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $208 $400 $382 $22 $114 $1,126 $94
Focus SE 4-Dr Sedan $208 $400 $382 $22 $114 $1,126 $94
Focus SEL 4-Dr Sedan $208 $472 $382 $22 $114 $1,198 $100
Focus SES 4-Dr Sedan $208 $472 $382 $22 $114 $1,198 $100
Focus SE 2-Dr Coupe $240 $472 $430 $26 $128 $1,296 $108
Focus SES 2-Dr Coupe $240 $472 $430 $26 $128 $1,296 $108
Get Your Own Custom Quote Go

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Rates do not factor in specific garaging location which can influence prices greatly.

Based on this data, we can arrive at the conclusion that using a $250 deductible costs approximately $15 more each month or $180 a year across all Ford Focus models than quoting the higher $500 deductible. Since you would have to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you go at least 17 months between claim filings, you would probably save some money by selecting a higher deductible. Here's an example of how you can do this calculation yourself.

Average monthly premium for $250 deductibles: $116
Average monthly premium for $500 deductibles (subtract): - $101
Monthly savings from raising deductible: $15
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $15
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

An important thing to remember is that a higher deductible results in a higher out-of-pocket expense when you file a claim. You need some extra savings in the event you need to pay more to get your vehicle repaired.

Full coverage versus liability-only

The example below compares Ford Focus insurance premiums with full physical damage coverage compared to only buying liability only. The price estimates are based on no tickets, no at-fault accidents, $1,000 deductibles, drivers are single, and no discounts are factored in.

When to stop buying full coverage

There isn't a written rule to stop paying for comp and collision coverage, but there is a broad guideline. If the yearly cost of full coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.

For example, let's assume your Ford Focus book value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, you would only receive $7,000 after paying your policy deductible. If it's costing in excess of $700 annually to have full coverage, then you might consider buying liability only.

There are some conditions where buying only liability insurance is not advised. If you still owe a portion of the original loan, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if you don't have enough money to buy a different vehicle if your current one is in an accident, you should not buy liability only.

Car insurance policy discounts you can't miss

Companies that sell car insurance do not advertise all possible discounts in a way that's easy to find, so the list below gives a summary of a few of the more common as well as some of the hidden credits available to bring down your rates. If you don't get every credit possible, you're just leaving money on the table.Save money with discounts

  • First Accident Forgiveness - This one is not really a discount per se, but a handful of insurance companies will allow you to have one accident before your rates go up so long as you haven't had any claims for a specific time period.
  • Discount for Low Mileage - Fewer annual miles on your Ford may enable drivers to earn cheaper prices.
  • 55 and Retired - Seniors may qualify for reduced rates.
  • Professional Organizations - Participating in a professional or civic organization could qualify you for a break on your policy.
  • Telematics Data - Drivers who elect to allow driving data submission to track driving habits by using a small device installed in their vehicle like Drivewise from Allstate or In-Drive from State Farm may get a rate reduction as long as the data is positive.
  • Discounts for Government Workers - Simply working for the federal government can save as much as 8% depending on your company.
  • Good Driver Discounts - Drivers who avoid accidents can get discounts for up to 45% lower rates compared to accident prone drivers.
  • New Vehicle Savings - Insuring a new Focus can get you a discount due to better safety requirements for newer models.

Discounts reduce rates, but you should keep in mind that many deductions do not apply to the overall cost of the policy. The majority will only reduce individual premiums such as physical damage coverage or medical payments. Even though it appears you would end up receiving a 100% discount, you're out of luck. But any discount will cut your policy cost.

The illustration below shows the difference between Ford Focus premium costs with and without discounts being applied to the rates. The premiums are based on a female driver, a clean driving record, no claims, Texas state minimum liability limits, full physical damage coverage, and $250 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.

A few of the larger companies and a partial list of their discounts include:

  • GEICO has savings for anti-lock brakes, daytime running lights, five-year accident-free, multi-policy, federal employee, and emergency military deployment.
  • USAA includes discounts for defensive driver, multi-policy, multi-vehicle, driver training, new vehicle, military installation, and good student.
  • Progressive may offer discounts for good student, multi-policy, multi-vehicle, online signing, and homeowner.
  • American Family has discounts for TimeAway discount, accident-free, mySafetyValet, multi-vehicle, and air bags.
  • Esurance may include discounts for paid-in-full, DriveSense, Switch & Save, good student, good driver, and safety device.
  • Farmers Insurance offers discounts for teen driver, distant student, multi-car, early shopping, and good student.
  • State Farm offers premium reductions for anti-theft, student away at school, good driver, multiple autos, accident-free, good student, and Drive Safe & Save.

When comparing rates, check with all the companies what discounts are available to you. Some of the discounts discussed earlier might not be available to policyholders everywhere.

Insurance Price Influencing Factors

Many factors are considered when you get your auto insurance bill. Most are fairly basic like an MVR report, but others are more transparent such as your credit history or your commute time.

The list below includes some of the factors auto insurance companies consider when setting your rates.

Cut prices and deter theft - Owning a car with a theft deterrent system can earn a premium discount. Systems that thwart thieves like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your vehicle from being stolen.

Gender is a factor - Over time, data shows that women are safer drivers than men. However, don't assume that males are worse at driving than females. They both are responsible for auto accidents at a similar rate, but the males have accidents that have higher claims. Men also have more aggressive citations such as DWI and reckless driving.

The example below visualizes the comparison of Ford Focus auto insurance rates for male and female drivers. The data is based on no driving violations, no at-fault accidents, comp and collision included, $250 deductibles, marital status is single, and no discounts are applied to the premium.

Save money by having good credit - A driver's credit score can be an important factor in determining what you pay for auto insurance. People that have high credit scores tend to file fewer claims and have better driving records than drivers with worse credit. If your credit score could use some work, you could pay less to insure your Ford Focus by taking the time to improve your credit score.

Small coverages can add up - There are a lot of extra add-on coverages that you can buy on your auto insurance policy. Coverages for vanishing deductibles, accident forgiveness, and membership fees are examples of these. These coverages may sound good when discussing your needs, but now you might not need them so consider taking them off your policy.

Better auto insurance rates on cars with good safety ratings - Vehicles with good safety scores can get you lower premiums. The safest vehicles reduce injuries and any reduction in injury severity translates directly to fewer claims which can mean better rates for you. If your Ford Focus is rated at least four stars on Safercar.gov or an "acceptable" rating on iihs.org you may pay a lower rate.

Ford Focus statistical loss data - Insurers take into consideration historical loss data for every vehicle to calculate a rate that will offset losses. Vehicles that the statistics show to have a trend towards higher claim severity or frequency will have a higher cost to insure. The table shown below demonstrates the insurance loss data used by companies for Ford Focus vehicles.

For each coverage type, the claim amount for all vehicles, without regard to make or model, is considered to be 100. Numbers shown that are under 100 represent a good loss history, while numbers that are greater than 100 indicate more frequent losses or an increased chance of larger losses than average.

Ford Focus Insurance Loss Statistics
Vehicle Make and 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

Are insurance agencies obsolete?

Some people just prefer to sit down and talk to an agent and doing so can bring peace of mind Agents can answer important questions and help submit paperwork. An additional benefit of comparing rate quotes online is the fact that you can find the lowest rates but still work with a licensed agent.

Plano insurance agentsTo make it easy to find an agent, after completing this simple form, your coverage information is sent to local insurance agents in Plano who will give you bids and help you find cheaper coverage. There is no need to do any legwork because prices are sent directly to you. If you wish to get a comparison quote for a specific company, you can always find their quoting web page and complete a quote there.

Finding the right insurer requires you to look at more than just the price. These are some valid questions you should ask.

  • Is insurance their full-time profession?
  • Will the agent help in case of a claim?
  • Do they prorate repair cost based on vehicle mileage?
  • If you have an accident, will your rates go up?
  • Do they get paid more for recommending certain coverages?

Shown below is a short list of insurers in Plano who can help you get price quote information for Ford Focus insurance in Plano.

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Persistence will pay off

We just presented a lot of information how to shop for Ford Focus insurance online. The most important thing to understand is the more price quotes you have, the better chance you'll have of finding low cost Plano car insurance quotes. Drivers may even discover the lowest premium rates are with a company that doesn't do a lot of advertising.

As you go through the steps to switch your coverage, do not skimp on critical coverages to save a buck or two. There are too many instances where someone sacrificed physical damage coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The goal is to get the best coverage possible at the lowest possible cost while not skimping on critical coverages.

More affordable insurance in Plano is definitely available from both online companies in addition to many Plano insurance agents, so get free Plano car insurance quotes from both of them in order to have the best chance of saving money. Some insurance companies may not have online quoting and most of the time these regional carriers only sell coverage through local independent agents.

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