Cheap Insurance for a Ford Focus in Mesa

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Insurance for Ford FocusVehicle owners that are new to buying auto insurance online are likely to discover purchasing cheaper Focus insurance is very challenging.

It's astonishing, but nearly 70% of consumers kept buying from the same company for four years or more, and about 40% of consumers have never compared quotes from other companies. The average driver in Arizona could cut their rates by almost 50% a year by just shopping around, but they don't want to take the time to compare rate quotes online.

If you already have coverage, you will surely be able to lower your rates using the techniques covered below. Shopping for more affordable coverage in Mesa is not as hard as you may think. But Arizona consumers do need to understand how companies price online insurance because rates are impacted by many factors.

The method we recommend to compare insurance rates from multiple companies is to know the trick all the major auto insurance companies will pay a fee to compare rate quotes. To start a quote, the only thing you need to do is provide a little information such as what your job is, how much education you have, if it has an anti-theft system, and whether you are married. Your details is submitted instantly to multiple different insurance companies and they return quotes immediately.

If you would like to compare rates now, click here and enter your zip code.

The companies shown below are ready to provide price comparisons in Mesa, AZ. In order to find cheap auto insurance in Mesa, we suggest you visit as many as you can to get a more complete price comparison.

Cheaper Ford Focus insurance in Mesa

Some insurers don't always advertise all available discounts in an easy-to-find place, so the below list has both the well known and also the lesser-known credits available to lower your premiums when you buy Mesa auto insurance online. If you check and find you aren't receiving every discount you qualify for, you could be saving more on your car insurance.Save money with discounts

  • Air Bags and Passive Restraints - Cars that have air bags and/or automatic seat belt systems can receive discounts of more than 20%.
  • Claim Free - Claim-free drivers pay much less in comparison with accident-prone drivers.
  • Discount for Swiching Early - A few insurance companies offer discounts for renewing your policy before your current expiration date. This can save 10% or more.
  • Smart Student Discounts - Maintaining excellent grades may save as much as 25% on a Mesa auto insurance quote. Many companies even apply the discount to college students until age 25.
  • Defensive Driver - Passing a class that teaches defensive driver techniques can save you 5% or more depending on where you live.
  • Mesa Homeowners Discount - Being a homeowner may trigger a policy discount on car insurance because it demonstrates responsibility.

As is typical with insurance, most of the big mark downs will not be given to the entire cost. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like you would end up receiving a 100% discount, it doesn't quite work that way.

The diagram below shows the comparison of Ford Focus insurance premiums with and without discounts applied to the policy premium. The premiums are based on a female driver, no claims or violations, Arizona 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, marriage, homeowner, multi-policy, claim-free, and multi-car discounts applied.

Some of the larger companies who might offer these discounts include:

Before buying, ask each company or agent how many discounts you can get. All car insurance discounts might not be available to policyholders in Mesa.

Insurance coverage details

The information shown below highlights detailed analysis of insurance costs for Ford Focus models. Being able to understand how policy rates are established can help drivers make smart choices when choosing a car insurance company.

Ford Focus Insurance Rates in Mesa, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $230 $390 $392 $24 $118 $1,154 $96
Focus SE 4-Dr Sedan $230 $390 $392 $24 $118 $1,154 $96
Focus SEL 4-Dr Sedan $230 $460 $392 $24 $118 $1,224 $102
Focus SES 4-Dr Sedan $230 $460 $392 $24 $118 $1,224 $102
Focus SE 2-Dr Coupe $264 $460 $444 $26 $132 $1,326 $111
Focus SES 2-Dr Coupe $264 $460 $444 $26 $132 $1,326 $111
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Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Prices do not factor in specific zip code location which can lower or raise premiums noticeably.

Higher deductibles lower rates

A question often asked by Mesa drivers is at what level do you set your deductibles. The following insurance rates help summarize the rate differences when you choose different policy deductibles. The first set of rates uses a $100 deductible for comp and collision and the second set of prices 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 $224 $466 $300 $18 $90 $1,123 $94
Focus SE 4-Dr Sedan $224 $466 $300 $18 $90 $1,123 $94
Focus SEL 4-Dr Sedan $224 $548 $300 $18 $90 $1,205 $100
Focus SES 4-Dr Sedan $224 $548 $300 $18 $90 $1,205 $100
Focus SE 2-Dr Coupe $258 $548 $338 $20 $102 $1,291 $108
Focus SES 2-Dr Coupe $258 $548 $338 $20 $102 $1,291 $108
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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 $124 $246 $300 $18 $90 $778 $65
Focus SE 4-Dr Sedan $124 $246 $300 $18 $90 $778 $65
Focus SEL 4-Dr Sedan $124 $290 $300 $18 $90 $822 $69
Focus SES 4-Dr Sedan $124 $290 $300 $18 $90 $822 $69
Focus SE 2-Dr Coupe $144 $290 $338 $20 $102 $894 $75
Focus SES 2-Dr Coupe $144 $290 $338 $20 $102 $894 $75
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Premium costs do not factor in zip code location which can influence premiums substantially.

We can derive from the above data that using a $100 deductible will cost in the ballpark of $31 more each month or $372 annually across all Ford Focus models than buying the higher $1,000 deductible. Since the policyholder would be required to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you normally average at least 29 months between claim filings, you would probably come out ahead if you elect the higher deductible. Below is how you can do this calculation yourself.

Average monthly premium for $100 deductibles: $101
Average monthly premium for $1,000 deductibles (subtract): - $70
Monthly savings from raising deductible: $31
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $31
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 29 months

One important caveat is that increasing deductibles to lower your rates means you will have to cover more of the damage yourself when you have a comprehensive or collision claim. You should have enough extra money in the event you have to pay the higher deductible in order to repair your vehicle.

The chart below demonstrates how deductibles and can increase or decrease Ford Focus premium costs for each age group. The price estimates are based on a married male driver, full coverage, and no discounts are applied to the premium.

Full coverage versus liability only rates

The diagram below illustrates the difference between Ford Focus insurance premiums with full coverage and liability only. The premiums assume no tickets, no at-fault accidents, $100 deductibles, single status, and no policy discounts are applied.

When to drop comp and collision

There is no definitive rule for dropping full coverage, but there is a general school of thought. If the yearly cost of full coverage is more than around 10% of the settlement you would receive from your company, then it might be time to buy liability only.

For example, let's pretend your Ford Focus book value is $8,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company will settle for is $7,000 after the policy deductible has been paid. If you are paying in excess of $700 a year for comprehensive and collision coverage, then you might want to consider buying only liability coverage.

There are some conditions where removing full coverage is not recommended. If you still owe a portion of the original loan, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should maintain full coverage.

Buying auto insurance from Mesa insurance agencies

Some people just want to have an agent's advice and that is not a bad decision A nice benefit of getting online price quotes is that drivers can save money and get the lowest rates and still buy from a local agent.

Insurance agents in MesaFor easy comparison, once you complete this simple form, your insurance coverage information is instantly submitted to local insurance agents in Mesa that give free quotes for your insurance coverage. You never need to do any legwork because quoted prices will be sent straight to your inbox. You can most likely find cheaper rates without requiring a lot of work. In the event you want to compare prices from a specific company, just find their quoting web page and complete a quote there.

Finding a good insurance company should depend on more than just a cheap price. Any agent in Mesa should have no problem answering these questions:

  • Do they review policy coverages at every renewal?
  • Did they already check your driving record and credit reports?
  • Do the companies they represent have a solid financial rating?
  • How are they compensated?
  • Does the agency have a good rating with the Better Business Bureau?
  • Are they able to influence company decisions when a claim is filed?

If you would like to find a reliable insurance agent, it's helpful to know the different agency structures that you can choose from. Mesa agents are classified as either independent agents or exclusive agents depending on their employer.

Exclusive Agencies

Agents that choose to be exclusive can only provide pricing for a single company like AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agents cannot provide prices from multiple companies so they really need to provide good service. Exclusive agents are well trained in insurance sales which helps them sell insurance even at higher premiums. A lot of people buy insurance from these agents mainly due to the brand name instead of buying on price only.

Shown below are Mesa exclusive insurance agents willing to provide comparison quotes.

More insurance agents

Independent Agents

Independent agents are not employed by any specific company and that enables them to quote your coverage through many companies and find the cheapest rate. If they quote lower rates, an independent agent can move your coverage and you can keep the same agent.

When comparison shopping, you should always get quotes from at a minimum one independent agency so that you have a good selection of quotes to compare. Many can place coverage with small mutual carriers which may have better rates.

Shown below is a short list of independent agencies in Mesa who can help you get price quote information.

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How do Insurance Companies Determine Ford Focus Insurance Rates?

An important part of buying insurance is that you know the rating factors that aid in calculating your premiums. When you know what positively or negatively controls the rates you pay, this allows you to make educated decisions that can earn you lower premium levels. Many factors are part of the equation when you get your auto insurance bill. Some factors are common sense like an MVR report, although some other factors are not as apparent such as whether you are married or your vehicle rating.

The list below includes a few of the "ingredients" used by companies to determine your premiums.

Avoid tickets and save - A bad driving record has a lot to do with how much you pay for insurance. Good drivers get better rates than bad drivers. Having just one driving citation can boost insurance rates to the point where it's not affordable. Drivers who get flagrant violations such as reckless driving, hit and run or driving under the influence may need to complete a SR-22 with their state DMV in order to legally drive.

The diagram below demonstrates how speeding tickets and accidents increase Ford Focus car insurance rates for different age categories. The premiums are based on a single male driver, full physical damage coverage, $100 deductibles, and no discounts are applied.

Drivers with responsible credit save - Your credit score factor in determining premium rates. Drivers with excellent credit scores tend to be less risk to insure than those with worse credit. So if your credit history can be improved, you could save money insuring your Ford Focus if you clean up your credit.

Safety ratings are a factor - Vehicles with high crash test scores tend to have lower insurance rates. These vehicles reduce occupant injuries and fewer serious injuries translates into fewer and smaller insurance claims which can result in lower premiums. If your Ford has at least four stars on Safercar.gov or an "acceptable" rating on iihs.org you may be receiving a better rate.

Women tend to be lower risk - Over the last 50 years, statistics have shown that females take fewer risks when driving. Now that doesn't mean women are BETTER drivers than men. Both genders cause accidents in similar numbers, but men have accidents that have higher claims. Not only that, but men also get ticketed for serious violations such as driving while intoxicated (DWI) or driving recklessly.

The illustration below illustrates the comparison of Ford Focus insurance prices for male and female drivers. The information is based on no claims, a clean driving record, comp and collision included, $250 deductibles, drivers are single, and no additional discounts are factored in.

Proper usage rating affects costs - The higher the mileage driven every year the more you'll pay to insure your vehicle. A lot of insurance companies charge rates based upon how you use the vehicle. Cars and trucks that are left in the garage cost less to insure than those that get driven frequently. Incorrect rating for your Focus is just wasting money. It's a smart idea to ensure your car insurance declarations sheet shows the correct usage for each vehicle, because improper ratings can cost you money.

Why do you need liability? - A critical coverage on your policy, liability insurance will afford coverage if you are responsible for causing personal injury or damage in an accident. Your policy's liability insurance provides legal defense coverage which can be incredibly expensive. This coverage is very inexpensive compared to other policy coverages, so drivers should carry high limits.

Ford Focus insurance loss probability - Insurers use data from past claims as a tool for profitable underwriting. Vehicles that have a higher amount or frequency of claims will cost more to insure. The table below illustrates the historical insurance loss data for Ford Focus vehicles.

For each policy coverage, the claim probability for all vehicles, regardless of make, model or trim level, equals 100. Numbers below 100 suggest a better than average loss history, while values over 100 point to more frequent losses or tendency to have larger claims.

Ford Focus Insurance Claim Statistics
Vehicle 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 Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Here's why insurance is not optional

Despite the high cost of buying insurance for a Ford Focus in Mesa, insurance serves an important purpose.

First, the majority of states have mandatory insurance requirements which means it is punishable by state law to not carry a minimum amount of liability protection in order to drive the car. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if your vehicle has a loan, it's most likely the lender will require that you buy insurance to ensure loan repayment if the vehicle is totaled. If the policy lapses, the bank or lender will purchase a policy for your Ford for a lot more money and require you to fork over much more than you were paying before.

Third, insurance preserves not only your Ford but also your assets. It also can pay for medical expenses that are the result of an accident. Liability insurance will also pay attorney fees if you are named as a defendant in an auto accident. If you have damage to your Ford as the result of the weather or an accident, your policy will pay all costs to repair after the deductible has been paid.

The benefits of having insurance more than cancel out the cost, specifically if you ever have a liability claim. According to a recent study, the average American driver overpays more than $800 each year so we recommend shopping around once a year at a minimum to be sure current rates are still competitive.

Persistent drivers can save

You just learned some good ideas how to find cheap Ford Focus insurance in Mesa. The most important thing to understand is the more rate quotes you have, the better likelihood of getting inexpensive Mesa auto insurance quotes. You may even discover the most savings is with some of the smallest insurance companies.

The cheapest Ford Focus insurance in Mesa can be sourced online and from local agencies, and you need to price shop both in order to have the best chance of saving money. A few companies may not provide internet price quotes and usually these smaller providers only sell coverage through local independent agents.

Consumers switch companies for a variety of reasons including high rates after DUI convictions, being labeled a high risk driver, high prices or even an unsatisfactory settlement offer. It doesn't matter why you want to switch finding a new car insurance company is not as hard as you think.

Steps to buying discount Ford Focus insurance in Mesa

The recommended way to find the cheapest price for auto insurance rates in Mesa is to regularly compare quotes from companies in Arizona.

Step 1: Try to learn about how auto insurance works and the factors you can control to keep rates down. Many policy risk factors that drive up the price like accidents, careless driving, and poor credit history can be rectified by improving your driving habits or financial responsibility.

Step 2: Compare rates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can give quotes from one company like GEICO or Allstate, while independent agencies can quote prices for a wide range of insurance providers.

Step 3: Compare the new rate quotes to your current policy premium to see if switching to a new carrier will save money. If you can save money and change companies, make sure there is no lapse in coverage.

Step 4: Give proper notification to your current agent or company to cancel your current coverage. Submit the required down payment along with the signed application to the new insurer. As soon as you have the new policy, put the new certificate verifying coverage in an easily accessible location in your vehicle.

One tip to remember is to try to use the same coverage limits and deductibles on every quote request and to quote with as many car insurance companies as possible. This enables a fair price comparison and the best price quote selection.

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