Want to know an easy way to compare lower-priced Ford Focus insurance in Seattle? Are you kicking yourself for buying an expensive insurance policy? It’s quite common and there are lots of people in the same boat.
Unbelievable but true according to a study a large majority of consumers renewed their policy with the same company for at least the last four years, and almost 40% of drivers have never compared rates with other companies. Most drivers in Seattle could save an average of roughly 40% each year by just comparing rate quotes, but most tend to underestimate the rate savings if they switched to a cheaper policy.
There is such a variety of car insurance companies to pick from, and although it’s nice to be able to choose, having more auto insurance companies makes it harder to find the lowest cost provider for Ford Focus insurance in Seattle.
Get discounts on Seattle insurance
Companies don’t always advertise all available discounts in a way that’s easy to find, so the below list has a few of the more well known and also the lesser-known credits that you can use to lower your rates.
- Student Driver Training – Have your child take driver’s ed class in high school.
- Drive Safe and Save – Drivers who don’t get into accidents could pay up to 40% less than their less cautious counterparts.
- Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle up before driving could save 15% on the medical payments or PIP coverage costs.
- Active Military Service – Having a deployed family member could be rewarded with lower rates.
- Multi-line Discount – Larger insurance companies have better rates if you take out a life policy as well.
- Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts may get savings up to 30%.
- Multiple Policy Discount – If you can bundle your auto and homeowners insurance with one company you could get a discount of as much as 10 to 15 percent.
- Theft Deterrent Discount – Cars that have factory anti-theft systems help deter theft so companies will give you a small discount.
- Defensive Driver – Participating in a course that instructs on driving safety could earn you a small percentage discount and easily recoup the cost of the course.
- E-sign Discounts – Some insurance companies will provide an incentive for signing up on their website.
Don’t be shocked that some credits don’t apply to the whole policy. Some only reduce individual premiums such as comprehensive or collision. So despite the fact that it appears having all the discounts means you get insurance for free, nobody gets a free ride. But all discounts will cut your policy cost.
The best insurance companies and some of the discounts can be read below.
- GEICO discounts include membership and employees, good student, daytime running lights, anti-lock brakes, five-year accident-free, driver training, and military active duty.
- Travelers has savings for continuous insurance, good student, student away at school, IntelliDrive, save driver, driver training, and early quote.
- Farm Bureau includes discounts for driver training, safe driver, multi-policy, good student, and multi-vehicle.
- Liberty Mutual offers premium reductions for new move discount, newly married, multi-car, multi-policy, new graduate, and good student.
- American Family policyholders can earn discounts including bundled insurance, good student, mySafetyValet, good driver, accident-free, Steer into Savings, and defensive driver.
- Progressive has discounts for good student, continuous coverage, multi-policy, multi-vehicle, online signing, homeowner, and online quote discount.
If you need low cost Seattle auto insurance quotes, ask each company or agent which credits you are entitled to. Some of the earlier mentioned discounts may not be offered everywhere. To locate companies with significant discounts in Seattle, follow this link.
How to compare Seattle Ford Focus insurance quotes
Most of the larger companies like State Farm, Allstate and GEICO make it easy to get coverage prices on their websites. Doing online price comparisons for Ford Focus insurance in Seattle can be done by anyone because you just enter your required coverages into a form. After you submit the form the company’s rating system makes automated requests for reports for credit and driving violations and returns pricing information based on the data you entered. The ability to get online quotes for Ford Focus insurance in Seattle makes it simple to compare prices and it’s absolutely necessary to perform this step if you want to get cheap auto insurance pricing.
To fill out one form to compare multiple rates now, check out the auto insurance providers below. To compare your current rates, we recommend you complete the form with your coverages just like they are on your policy. This guarantees you are getting a price comparison for the exact same coverage.
The auto insurance companies shown below are our best choices to provide price quotes in Washington. If multiple providers are shown, we recommend you visit two to three different companies to get the most competitive price.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Focus S 4-Dr Sedan | $138 | $318 | $334 | $20 | $100 | $910 | $76 |
| Focus SE 4-Dr Sedan | $158 | $356 | $356 | $22 | $106 | $998 | $83 |
| Focus SEL 4-Dr Sedan | $162 | $364 | $294 | $18 | $88 | $926 | $77 |
| Focus SES 4-Dr Sedan | $226 | $452 | $386 | $22 | $116 | $1,202 | $100 |
| Focus SE 2-Dr Coupe | $218 | $556 | $376 | $22 | $112 | $1,284 | $107 |
| Focus SES 2-Dr Coupe | $160 | $358 | $376 | $22 | $112 | $1,028 | $86 |
| Get Your Own Custom Quote Go | |||||||
Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Premium costs do not factor in specific location information which can raise or lower coverage rates noticeably.
Ford Focus insurance premiums by gender and age
The information below compares Ford Focus car insurance costs for male and female drivers. The data assumes a clean driving record, no claims, full physical damage coverage, $100 deductibles, single marital status, and no discounts are applied.
Where to set your deductibles
When comparing car insurance rates, the most common question is how high should the physical damage deductibles be. The tables below show the difference in cost between high and low insurance deductibles. The first rate table uses a $100 physical damage deductible and the second price chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Focus S 4-Dr Sedan | $222 | $458 | $294 | $18 | $88 | $1,105 | $92 |
| Focus SE 4-Dr Sedan | $222 | $458 | $294 | $18 | $88 | $1,105 | $92 |
| Focus SEL 4-Dr Sedan | $222 | $540 | $294 | $18 | $88 | $1,187 | $99 |
| Focus SES 4-Dr Sedan | $222 | $540 | $294 | $18 | $88 | $1,187 | $99 |
| Focus SE 2-Dr Coupe | $254 | $540 | $334 | $20 | $100 | $1,273 | $106 |
| Focus SES 2-Dr Coupe | $254 | $540 | $334 | $20 | $100 | $1,273 | $106 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Focus S 4-Dr Sedan | $162 | $310 | $294 | $18 | $88 | $872 | $73 |
| Focus SE 4-Dr Sedan | $162 | $310 | $294 | $18 | $88 | $872 | $73 |
| Focus SEL 4-Dr Sedan | $162 | $364 | $294 | $18 | $88 | $926 | $77 |
| Focus SES 4-Dr Sedan | $162 | $364 | $294 | $18 | $88 | $926 | $77 |
| Focus SE 2-Dr Coupe | $186 | $364 | $334 | $20 | $100 | $1,004 | $84 |
| Focus SES 2-Dr Coupe | $186 | $364 | $334 | $20 | $100 | $1,004 | $84 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Price information does not factor in specific zip code location which can lower or raise premium rates significantly.
Using the premium rates above, we can conclude that using a $100 deductible costs about $21 more each month or $252 for a full year than quoting the higher $500 deductible. Since the policyholder would be required to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you normally average at a minimum 19 months between claims, you would come out ahead going with the higher deductible.
Drive safe and save
The information below demonstrates how speeding tickets and at-fault collisions can influence Ford Focus insurance costs for each age group. The data assumes a married male driver, full coverage, $250 deductibles, and no discounts are taken into consideration.
When do I need an agent’s advice?
When buying insurance from an agent or online for your personal vehicles, there really isn’t a cookie cutter policy. Your needs are unique to you.
Here are some questions about coverages that can aid in determining whether your personal situation might need an agent’s assistance.
- Where can I find DUI or SR-22 insurance?
- Am I covered when driving someone else’s vehicle?
- Where can I get insurance after a DUI in Washington?
- Is a driver training discount available?
- Does my personal policy cover me when driving out-of-state?
- Does insurance cover tools stolen from my truck?
If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form.
Local insurance agents
Some consumers prefer to have an agent’s advice and often times that is recommended An additional benefit of getting free rate quotes online is that you can obtain the best rates and also buy local. Buying from neighborhood insurance agencies is important particularly in Seattle.
To make it easy to find an agent, after completing this quick form, your coverage information is instantly submitted to local insurance agents who will return price quotes for your business. You don’t have to drive around since rate quotes are delivered to you. You can find the lowest rates and an insurance agent to talk to. In the event you want to get a rate quote from a particular provider, just go to their quote page and complete a quote there.
Selecting an company is decision based upon more than just a cheap price. Some important questions to ask are:
- How many years have they been established?
- How would your car be valued if totalled?
- Does the agency have a good rating with the Better Business Bureau?
- Are there any discounts that you might be missing?
- Which company do they place the most coverage with?
After getting positive responses to these questions as well as an affordable premium quote, you may have found a company that meets the requirements to properly insure your vehicles.
More comparisons equals cheap rates
As you prepare to switch companies, it’s a bad idea to buy lower coverage limits just to save a few bucks. In many instances, an accident victim reduced liability limits or collision coverage and found out when filing a claim that they should have had better coverage. The goal is to get the best coverage possible for the lowest cost, but do not skimp to save money.
Drivers switch companies for a number of reasons such as not issuing a premium refund, poor customer service, high prices or high rates after DUI convictions. Regardless of your reason, finding the right insurance provider is actually quite simple.
You just learned a lot of ways to find affordable Ford Focus insurance in Seattle. The key thing to remember is the more rate comparisons you have, the better your comparison will be. Consumers may even find the most savings is with a small local company.
To learn more, take a look at the articles below:
- How to Avoid Common Accidents (State Farm)
- Who Has Cheap Auto Insurance for Low Mileage Drivers in Seattle? (FAQ)
- Who Has Affordable Auto Insurance Quotes for a Jeep Wrangler in Seattle? (FAQ)
- How Much are Seattle Car Insurance Rates for 19 Year Olds? (FAQ)
- Who Has the Cheapest Auto Insurance for Good Drivers in Seattle? (FAQ)
- Who Has Cheap Seattle Auto Insurance Rates for Teenage Males? (FAQ)
- Who Has Cheap Car Insurance Quotes for Uninsured Drivers in Seattle? (FAQ)
- Choosing a Car for Your Teen (State Farm)
- Teen Driver Licensing Information (iihs.org)