Ford Focus Insurance Rate Quotes in Sacramento

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Ford Focus insurance cost
Ford Focus insurance cost image courtesy of QuoteInspector.com

Astonishing but true according to a recent study, the vast majority of auto insurance customers have stayed with the same insurance company for over three years, and nearly 40% of drivers have never compared rates to find cheap insurance. Drivers in Sacramento can save hundreds of dollars each year just by shopping around, but they don't know the rate savings if they switch to a new company.

Insurance for Ford FocusThe best way to get discount Ford Focus insurance is to compare prices annually from different companies who sell insurance in Sacramento. You can compare rates by following these steps.

  • First, try to learn about what coverages are included in your policy and the factors you can control to lower rates. Many policy risk factors that cause high rates such as traffic violations, accidents, and a negative credit history can be remedied by paying attention to minor details. Continue reading for more information to find cheap rates and get bigger discounts that may have been overlooked.
  • Second, quote rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give prices from a single company like Progressive or Farmers Insurance, while independent agents can provide rate quotes from multiple insurance companies. Find a Sacramento insurance agent
  • Third, compare the new rate quotes to your current policy to see if you can save by switching companies. If you can save some money and decide to switch, make sure coverage is continuous and does not lapse.

A crucial key to this process is to compare the same level of coverage on each quote and and to compare as many car insurance companies as possible. This ensures a level playing field and maximum price selection.

The purpose of this article is to let you in on how car insurance quotes work and also pocket some savings If you currently have a car insurance policy, you should be able to lower your rates using these techniques. Consumers only have to learn the tricks to compare rate quotes over the internet.

The quickest method to compare insurance rates from multiple companies takes advantage of the fact most of the bigger providers allow for online access to compare their rates. To start a quote, the only thing you need to do is provide information including what your job is, whether you drive to work or school, if the car is leased, and your credit rating estimate. Your information is instantly provided to all major companies and they provide comparison quotes very quickly.

To compare affordable Ford Focus insurance rates now, click here and see if a lower rate is available in Sacramento.

The following companies have been selected to offer free rate quotes in Sacramento, CA. To buy cheaper car insurance in Sacramento, we suggest you compare several of them to get a more complete price comparison.

Insurance statistics and figures

The price information below outlines estimates of insurance costs for Ford Focus models. Having a good understanding how policy rates are calculated can assist in making smart buying decisions.

Ford Focus Insurance Rates in Sacramento, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $236 $534 $534 $32 $160 $1,496 $125
Focus SE 4-Dr Sedan $236 $534 $534 $32 $160 $1,496 $125
Focus SEL 4-Dr Sedan $236 $628 $534 $32 $160 $1,590 $133
Focus SES 4-Dr Sedan $236 $628 $534 $32 $160 $1,590 $133
Focus SE 2-Dr Coupe $272 $628 $604 $36 $180 $1,720 $143
Focus SES 2-Dr Coupe $272 $628 $604 $36 $180 $1,720 $143
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Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Premium costs do not factor in Sacramento location which can modify premium rates significantly.

Physical damage deductibles

A question often asked by Sacramento drivers is how high should your deductibles be. The comparison tables below lay out the costs and benefits when you buy lower versus higher coverage deductibles. The first data set uses a $100 physical damage coverage deductible and the second data table uses a $1,000 deductible.

Ford Focus insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $332 $686 $442 $26 $132 $1,643 $137
Focus SE 4-Dr Sedan $332 $686 $442 $26 $132 $1,643 $137
Focus SEL 4-Dr Sedan $332 $810 $442 $26 $132 $1,767 $147
Focus SES 4-Dr Sedan $332 $810 $442 $26 $132 $1,767 $147
Focus SE 2-Dr Coupe $380 $810 $500 $30 $150 $1,895 $158
Focus SES 2-Dr Coupe $380 $810 $500 $30 $150 $1,895 $158
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Ford Focus insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $184 $362 $442 $26 $132 $1,146 $96
Focus SE 4-Dr Sedan $184 $362 $442 $26 $132 $1,146 $96
Focus SEL 4-Dr Sedan $184 $426 $442 $26 $132 $1,210 $101
Focus SES 4-Dr Sedan $184 $426 $442 $26 $132 $1,210 $101
Focus SE 2-Dr Coupe $210 $426 $500 $30 $150 $1,316 $110
Focus SES 2-Dr Coupe $210 $426 $500 $30 $150 $1,316 $110
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Estimates do not factor in Sacramento location which can raise or lower premium rates greatly.

Based on this data, we can arrive at the conclusion that using a $100 deductible could cost the average driver approximately $45 more each month or $540 annually than opting for the higher $1,000 deductible. Because you would be required to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to average at least 20 months between claims, you would most likely save money by selecting a higher deductible.

Rate difference between full and liability-only coverage

The example below illustrates the difference between Ford Focus premium costs with full physical damage coverage compared to only buying the minimum liability limits required in California. The rates are based on no claims or driving violations, $250 deductibles, drivers are not married, and no discounts are applied.

When to eliminate full coverage

There is no definitive formula to stop paying for full coverage on your policy, but there is a broad guideline. If the annual cost of coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then you may need to consider dropping full coverage.

For example, let's say your Ford Focus replacement cost is $9,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $8,000 after paying your deductible. If you are paying over $800 a year for full coverage, then you might consider buying liability only.

There are some situations 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 the bank from purchasing higher-priced coverage. Also, if you don't have enough money to buy a different vehicle in case of an accident, you should not consider dropping full coverage.

Why You Might Pay Lower Rates in Sacramento

Lots of factors are part of the equation when you get a price on insurance. Some factors are common sense like a motor vehicle report, but some are more transparent like where you live or your vehicle rating.

  • More people means more accidents - Living in small towns and rural areas can save you money when shopping for auto insurance. Less people corresponds to lower accident rates and lower theft and vandalism rates. City drivers have more traffic problems and longer commute times. More time commuting translates into higher accident risk.
  • Women tend to take less risk - Statistics demonstrate that females take fewer risks when driving. This data doesn't prove that females are better at driving than males. Men and women get in accidents at a similar rate, but the male of the species have accidents that have higher claims. Men also statistically receive more costly citations like DWI (DUI) or reckless driving. Male teenagers tend to get in the most accidents and therefore have the most expensive car insurance rates.

    The example below visualizes the comparison of Ford Focus insurance rates for male and female drivers. The premium estimates are based on no driving violations, no at-fault accidents, comprehensive and collision coverage, $100 deductibles, drivers are not married, and no other discounts are factored in.

  • Annual miles impacts rates - The higher the miles on your Ford in a year's time the higher your rate. Many insurance companies apply a rate partially by how you use the vehicle. Cars that have low annual miles receive better premium rates as compared to vehicles used primarily for driving to work. Ask your agent if your car insurance coverage reflects the correct driver usage. An incorrectly rated Focus is just wasting money.
  • Use but don't abuse your insurance - Car insurance companies in California provide most affordable rates to drivers who do not rely on their insurance for small claims. If you frequently file small claims, you can look forward to either policy cancellation or increased premiums. Your insurance policy is intended for the bigger claims that can't be paid out-of-pocket.
  • Better prices on safer vehicles - Vehicles that have high safety ratings get lower rates. The safest vehicles have better occupant injury protection and any reduction in injury severity translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Ford Focus scored at minimum four stars on Safercar.gov it is probably cheaper to insure.
  • Eliminate unneeded add-on coverages - Insurance companies have many additional coverages that can add up but may not be useful. Coverages for coverage for rental cars, death and dismemberment, and Farm Bureau memberships are some examples. These coverages may sound good when deciding what coverages you need, but now you might not need them so eliminate the coverages to reduce your premium.
  • Insurance loss probability for a Ford Focus - Companies use claims history in order to profitably underwrite each model. Models that statistically have a trend towards higher claim severity or frequency will have a higher premium rate.

    The table shown below demonstrates the insurance loss data for Ford Focus vehicles. For each coverage category, the loss probability for all vehicles combined as an average is represented as 100. Values that are 100 or less suggest losses that are better than average, while values that are above 100 indicate a higher chance of having a claim or larger claims.

    Insurance Loss Ratings for Ford Focus Vehicles
    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
    Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Why you need car insurance

Despite the high cost of buying insurance for a Ford Focus in Sacramento, car insurance may be required and benefits you in several ways.

  • Just about all states have mandatory insurance requirements which means state laws require specific limits of liability protection in order to license the vehicle. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
  • If you have a loan on your Focus, most lenders will require that you have comprehensive coverage to ensure the loan is repaid in case of a total loss. If you default on your policy, the bank may buy a policy for your Ford for a much higher rate and make you pay for the expensive policy.
  • Car insurance preserves both your Ford Focus and your personal assets. Insurance will also pay for most medical and hospital costs for not only you but also any passengers injured in an accident. Liability coverage will also pay to defend you if you are sued as the result of your driving. If damage is caused by hail or an accident, your car insurance policy will pay to restore your vehicle to like-new condition.

The benefits of carrying enough insurance definitely exceed the price paid, especially for larger claims. According to a recent study, the average American driver is overpaying over $855 a year so shop around each time the policy renews to save money.

How to find a good California car insurance company

Insuring your vehicle with a good quality auto insurance company can be difficult considering how many different companies insure vehicles in Sacramento. The company information listed below could help you analyze which auto insurers you want to consider comparing rate quotes with.

Top 10 Sacramento Car Insurance Companies Overall

  1. USAA
  2. American Family
  3. AAA of Southern California
  4. State Farm
  5. The Hartford
  6. AAA Insurance
  7. GEICO
  8. The General
  9. Titan Insurance
  10. Progressive

Top 10 Sacramento Car Insurance Companies by A.M. Best Rank

  1. USAA - A++
  2. Travelers - A++
  3. State Farm - A++
  4. GEICO - A++
  5. Esurance - A+
  6. Nationwide - A+
  7. Allstate - A+
  8. Mercury Insurance - A+
  9. Progressive - A+
  10. Titan Insurance - A+