How to Compare Seattle Ford Focus Insurance

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.

Insurance quote for Ford Focus in SeattleUnbelievable 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.Save money with discounts

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.

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.

Ford Focus Insurance Rate Estimates in Seattle, WA
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.

Ford Focus insurance with $100 deductibles
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

Ford Focus insurance with $500 deductibles
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.Safe vehicles cost less to insure

Here are some questions about coverages that can aid in determining whether your personal situation might need an agent’s assistance.

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.

Insurance agency in SeattleTo 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:

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: