Save Money on Ford Focus Insurance in Columbus

Insurance quote for Ford Focus in ColumbusDo you want to save money by finding lower-priced Ford Focus insurance in Columbus? Locating the lowest cost Columbus Ford Focus insurance quotes may be intimidating for vehicle owners who are beginners to quoting and comparing prices over the internet. With a ridiculous number of online companies available, how are vehicle owners expected to have the ability to compare every company in order to find the best available rates?

Shockingly, about 70% of customers renewed their policy with the same company for four years or more, and almost half have never compared auto insurance rates at all. Drivers in America could save an average of $860 each year just by comparing rates, but they don’t believe the rate savings if they switched.

Buying the cheapest insurance in Columbus seems hard but is not really that difficult. If you’re already insured, you will definitely be able to cut your premiums using the ideas covered in this article. But Ohio consumers need to learn the way insurance companies sell insurance online because it can help you find the best coverage.

When comparing auto insurance rates, know that getting more free quotes helps locate lower pricing. Not every company does online Columbus Focus insurance quotes, so you also need to get rates from them, too.

The companies shown below provide free quotes in Ohio. If more than one company is shown, it’s a good idea that you visit two to three different companies to find the most affordable auto insurance rates.

Auto insurance discounts help lower rates for Ford Focus insurance in Columbus

Car insurance companies don’t list their entire list of discounts very clearly, so the below list has some of the best known and also the more inconspicuous credits that may apply to you.Auto insurance discounts

As a disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. The majority will only reduce the cost of specific coverages such as liability and collision coverage. Despite the fact that it seems like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

The information below compares Ford Focus car insurance costs with and without discounts applied. The costs are based on a male driver, no claims or driving citations, Ohio state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, multi-car, homeowner, multi-policy, and safe-driver discounts applied.

Popular auto insurance companies and their offered discounts include:

Double check with each company or agent to give you their best rates. A few discounts might not be offered in every state.

Facts and figures for Ford Focus insurance

The rate information displayed next covers estimates of insurance prices for Ford Focus models. Learning how auto insurance premiums are calculated helps drivers make smart choices when selecting a coverage provider.

Ford Focus Insurance Rates in Columbus, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $72 $154 $214 $12 $64 $516 $43
Focus SE 4-Dr Sedan $72 $154 $214 $12 $64 $516 $43
Focus SEL 4-Dr Sedan $72 $182 $214 $12 $64 $544 $45
Focus SES 4-Dr Sedan $72 $182 $214 $12 $64 $544 $45
Focus SE 2-Dr Coupe $84 $182 $242 $14 $72 $594 $50
Focus SES 2-Dr Coupe $84 $182 $242 $14 $72 $594 $50
Get Your Own Custom Quote Go

Prices above based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Rate quotes do not factor in zip code location which can lower or raise prices substantially.

Higher deductibles lower rates

When comparing insurance rates, the most common question is at what level do you set your deductibles. The comparisons below approximate the differences in price between high and low policy deductibles. The first set of rates uses a $250 comprehensive and collision deductible and the second rate chart uses a $500 deductible.

Ford Focus insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $152 $296 $226 $14 $68 $781 $65
Focus SE 4-Dr Sedan $152 $296 $226 $14 $68 $781 $65
Focus SEL 4-Dr Sedan $152 $348 $226 $14 $68 $833 $69
Focus SES 4-Dr Sedan $152 $348 $226 $14 $68 $833 $69
Focus SE 2-Dr Coupe $176 $348 $256 $16 $76 $897 $75
Focus SES 2-Dr Coupe $176 $348 $256 $16 $76 $897 $75
Get Your Own Custom Quote Go

Ford Focus insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $124 $238 $226 $14 $68 $670 $56
Focus SE 4-Dr Sedan $124 $238 $226 $14 $68 $670 $56
Focus SEL 4-Dr Sedan $124 $280 $226 $14 $68 $712 $59
Focus SES 4-Dr Sedan $124 $280 $226 $14 $68 $712 $59
Focus SE 2-Dr Coupe $142 $280 $256 $16 $76 $770 $64
Focus SES 2-Dr Coupe $142 $280 $256 $16 $76 $770 $64
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Information does not factor in specific location which can lower or raise coverage rates noticeably.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you roughly $10 more each month or $120 each year averaged for all Focus models than requesting the higher $500 deductible. Because you would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you usually have at a minimum 25 months between claim filings, you would more than likely save some money if you opt for a higher deductible.

How to calculate when to raise deductibles

Average monthly premium for $250 deductibles: $70
Average monthly premium for $500 deductibles (subtract): – $60
Monthly savings from raising deductible: $10
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $10
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 25 months

Illustration showing the impact of accidents and violations

The illustration below illustrates how traffic citations and at-fault claims can drive up Ford Focus insurance costs for each age group. The rates are based on a married male driver, comp and collision included, $250 deductibles, and no discounts are taken into consideration.

Yearly insurance costs for men versus women

The diagram below visualizes the comparison of Ford Focus insurance rates for male and female drivers. The prices are based on a clean driving record, no at-fault accidents, full physical damage coverage, $250 deductibles, drivers are not married, and no discounts are applied to the premium.

Full coverage versus liability only rates

The chart below shows the comparison of Ford Focus auto insurance rates with full coverage compared to only the Ohio minimum liability coverage. The premiums are based on no tickets, no at-fault accidents, $1,000 deductibles, marital status is single, and no additional discounts are factored in.

When to drop comprehensive and collision

There is no definitive guideline of when to exclude physical damage coverage on your policy, but there is a broad guideline. If the yearly cost of full coverage is more than about 10% of the replacement cost minus the deductible, then you may want to consider only buying liability coverage.

For example, let’s say your Ford Focus settlement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would get paid by your company is $4,000 after you pay the deductible. If you are paying more than $400 annually for full coverage, then it may be the right time to buy liability only.

There are some circumstances where dropping full coverage is not recommended. If you haven’t paid off your loan, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should not remove full coverage.

Get rate quotes but buy from a local Columbus insurance agent

Some consumers just prefer to talk to an insurance agent and doing that can be a smart decision One of the great benefits of comparing insurance prices online is that drivers can save money and get the lowest rates and still have an agent to talk to.

Find insurance agent in ColumbusFor easy comparison, once you complete this form (opens in new window), your coverage information gets sent to companies in Columbus who will gladly provide quotes and help you find cheaper coverage. You won’t need to find an agent on your own because prices are sent immediately to your email address. It’s the lowest rates without the usual hassles of price shopping. If you wish to compare prices from a specific car insurance provider, you would need to go to their quote page and fill out their quote form.

Picking an insurance company needs to be determined by more than just the quoted price. These are some questions you should get answers to.

Is an exclusive or independent car insurance agent right for you?

If you are wanting to purchase car insurance from a local insurance agency, there are a couple of different types of agents and how they are distinctly different. Columbus agents are considered either exclusive or independent agents depending on their company appointments.

Exclusive Agencies

Exclusive insurance agents work for only one company like Farmers Insurance, Allstate, or State Farm. Exclusive agencies are unable to compare rates from other companies so they really need to provide good service. Exclusive agents are trained well in insurance sales which helps them sell on service rather than price. Drivers often use the same agent mostly because of the prominent brand name rather than low price.

Shown below are Columbus exclusive insurance agencies who may provide you with price quotes.

More Columbus agents

Independent Agencies or Brokers

Independent agents often have many company appointments so they can insure your vehicles with multiple insurance companies and help determine which has the cheapest rates. If your premiums go up, your agent can switch companies and that require little work on your part.

When shopping rates, you definitely need to get some free quotes from at least one independent agent for the best price selection. They often place coverage with mutual insurance companies which can save you money.

Shown below is a short list of independent insurance agencies in Columbus that can give you rate quotes.

More Columbus agents

After you get good responses for all questions you ask as well as affordable Ford Focus insurance rates in Columbus quotes, it’s a good possibility that you have found an insurance agency that meets the requirements to provide car insurance coverage.

Auto insurance is unique, just like you

When quoting and comparing proper insurance coverage, there is no single plan that fits everyone. Everyone’s needs are different.Higher deductibles save money

For instance, these questions could help you determine whether or not you might need professional guidance.

If you can’t answer these questions, you may need to chat with an agent. To find an agent in your area, complete this form.

The coverage is in the details

Having a good grasp of car insurance helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and also any damage incurred to your Ford Focus.

Because many people only purchase the least amount of liability that is required (Ohio limits are 25/50/25), their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as colliding with another moving vehicle, rolling your car, driving through your garage door, damaging your car on a curb and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible on your Focus to save money on collision insurance.

Comprehensive car insurance

This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as rock chips in glass, damage from flooding, a broken windshield, hitting a bird and hitting a deer. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for immediate expenses such as surgery, hospital visits and rehabilitation expenses. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability coverages

This can cover damage that occurs to a person or their property in an accident. This coverage protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged property.

Liability coverage pays for things such as medical services, repair costs for stationary objects and emergency aid. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as high a limit as you can afford. Ohio requires drivers to carry at least 25/50/25 but you should consider buying more liability than the minimum.

The chart below shows why buying low liability limits may not provide you with enough coverage.

Lower rates by being persistent

When trying to cut insurance costs, don’t be tempted to buy lower coverage limits just to save a few bucks. There are many occasions where someone dropped liability limits or collision coverage only to discover later that it was a big error on their part. The goal is to purchase a proper amount of coverage at an affordable rate and still be able to protect your assets.

Lower-priced auto insurance in Columbus is definitely available online in addition to local insurance agencies, and you should compare rates from both to have the best rate selection. Some insurance providers may not provide rate quotes online and these small insurance companies provide coverage only through independent agencies.

Consumers who switch companies do it for a variety of reasons including lack of trust in their agent, extreme rates for teen drivers, an unsatisfactory settlement offer or even policy non-renewal. No matter why you want to switch, finding a new auto insurance company can be easier than you think.

Steps to buying discount Ford Focus insurance in Columbus

Really, the only way to get the cheapest Ford Focus insurance is to start comparing rates regularly from different companies who sell insurance in Columbus.

  1. Try to comprehend car insurance and the steps you can take to prevent rate increases. Many risk factors that cause high rates like careless driving and your credit history can be improved by paying attention to minor details.
  2. Quote rates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only quote rates from one company like GEICO and State Farm, while independent agents can provide price quotes for a wide range of insurance providers. Find a Columbus insurance agent
  3. Compare the price quotes to your current policy to see if cheaper Focus coverage is available in Columbus. If you can save money, make sure coverage does not lapse between policies.
  4. Notify your agent or company to cancel your current coverage and submit the completed application along with a down payment to your new agent or company. Once the application is submitted, put the new certificate verifying proof of insurance in your glove compartment.

One piece of advice is that you use the same liability limits and deductibles on every price quote and and to get price quotes from as many different insurance providers as possible. This enables the most accurate price comparison and the best price quote selection.

Other learning opportunities