Ford Focus Insurance Quotes in Colorado Springs

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Insurance quote for Ford Focus in Colorado SpringsIf saving the most money is your goal, then the best way to find affordable Ford Focus insurance is to do an annual price comparison from providers that sell auto insurance in Colorado Springs. This can be done by following these steps.

  • Step 1: Read about policy coverages and the measures you can take to keep rates low. Many things that cause rate increases like speeding tickets, accidents and a negative credit rating can be controlled by improving your driving habits or financial responsibility. Read the full article for information to find cheap rates and find more discounts that you may not know about.
  • Step 2: Compare price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only give prices from one company like Progressive or State Farm, while independent agencies can quote rates for a wide range of companies. Start a quote
  • Step 3: Compare the new rate quotes to your current policy premium to determine if you can save on Focus insurance in Colorado Springs. If you find a lower rate quote and make a switch, ensure there is no coverage lapse between policies.
  • Step 4: Give notification to your current company of your intent to cancel your existing policy and submit a down payment and signed policy application for your new policy. When you receive it, place the new certificate of insurance above your visor, in the console, or in the glove compartment.

An essential thing to point out is to make sure you enter the same physical damage deductibles and liability limits on every quote request and and to get price quotes from as many car insurance companies as possible. This guarantees a level playing field and a better comparison of the market.

It's an obvious assumption that auto insurance companies don't want you to look at other companies. People who compare rates annually will, in all likelihood, switch insurance companies because there is a great chance of finding a lower rate. A survey found that people who compared rates regularly saved as much as $3,500 over four years compared to policyholders who don't make a habit of comparing rates.

If finding the cheapest price for Ford Focus insurance in Colorado Springs is your ultimate objective, then having a good understanding how to quote and compare insurance can make it easier to shop your coverage around.

If you have a policy now or just want to reduce your rates, take advantage of these tips to cut your premiums without reducing coverage. Locating the best rates in Colorado Springs is actually quite simple. Smart shoppers just have to understand the most effective way to compare insurance rates using one simple form.

Cheapest companies for Ford Focus insurance

The following companies have been selected to offer free rate quotes in Colorado. If you want to find the cheapest car insurance in Colorado Springs, CO, we suggest you visit as many as you can to find the cheapest car insurance rates.

Ford Focus insurance coverage information

The premium information displayed below highlights different policy rates for Ford Focus models. Having knowledge of how auto insurance policy rates are established can help you make smart choices when selecting a policy.

Ford Focus Insurance Rates in Colorado Springs, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $292 $672 $474 $28 $142 $1,608 $134
Focus SE 4-Dr Sedan $292 $672 $474 $28 $142 $1,608 $134
Focus SEL 4-Dr Sedan $292 $792 $474 $28 $142 $1,728 $144
Focus SES 4-Dr Sedan $292 $792 $474 $28 $142 $1,728 $144
Focus SE 2-Dr Coupe $336 $792 $536 $32 $160 $1,856 $155
Focus SES 2-Dr Coupe $336 $792 $536 $32 $160 $1,856 $155
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Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Prices do not factor in specific zip code location which can change coverage rates substantially.

An analysis of deductible level

When shopping for auto insurance, a common question is how high should the physical damage deductibles be. The figures shown below can help show the differences in premium rates of buying low and high physical damage deductibles. The first rate comparisons uses a $100 physical damage deductible and the second rate chart uses a $500 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 $264 $546 $352 $20 $106 $1,313 $109
Focus SE 4-Dr Sedan $264 $546 $352 $20 $106 $1,313 $109
Focus SEL 4-Dr Sedan $264 $644 $352 $20 $106 $1,411 $118
Focus SES 4-Dr Sedan $264 $644 $352 $20 $106 $1,411 $118
Focus SE 2-Dr Coupe $302 $644 $396 $24 $118 $1,509 $126
Focus SES 2-Dr Coupe $302 $644 $396 $24 $118 $1,509 $126
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Ford Focus insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $192 $368 $352 $20 $106 $1,038 $87
Focus SE 4-Dr Sedan $192 $368 $352 $20 $106 $1,038 $87
Focus SEL 4-Dr Sedan $192 $434 $352 $20 $106 $1,104 $92
Focus SES 4-Dr Sedan $192 $434 $352 $20 $106 $1,104 $92
Focus SE 2-Dr Coupe $220 $434 $396 $24 $118 $1,192 $99
Focus SES 2-Dr Coupe $220 $434 $396 $24 $118 $1,192 $99
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Estimates do not factor in specific garaging location which can raise or lower coverage prices substantially.

We can derive from the above data that using a $100 deductible costs about $25 more each month or $300 each year than buying the higher $500 deductible. Due to the fact that you would have to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you tend to go at least 16 months between claim filings, you would save money if you choose a higher deductible.

How to calculate if higher deductibles make sense

Average monthly premium for $100 deductibles: $118
Average monthly premium for $500 deductibles (subtract): - $93
Monthly savings from raising deductible: $25
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $25
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 16 months

One big caveat is that a higher deductible means you will have to pay more of your own money when you have a claim. That will force you to have some non-essential savings in order to pay the deductible for vehicle repair.

Cautious drivers save money

The information below illustrates how traffic citations and at-fault claims increase Ford Focus auto insurance costs for different age groups. The data is based on a single female driver, comp and collision included, $100 deductibles, and no discounts are applied.

Ford Focus liability-only versus full coverage

The information below shows the comparison of Ford Focus car insurance rates with full physical damage coverage and with liability coverage only. The premiums assume no tickets, no at-fault accidents, $500 deductibles, marital status is single, and no discounts are applied to the premium.

When to eliminate full coverage

There is no exact formula to stop paying for full coverage, but there is a general school of thought. If the yearly cost of comp and collision coverage is 10% or more of the vehicle's replacement cost less your deductible, then you might want to think about dropping full coverage.

For example, let's pretend your Ford Focus replacement cost is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company would pay you is $4,000 after you pay the deductible. If you are paying more than $400 a year for comprehensive and collision coverage, then it may be the right time to buy liability only.

There are a few situations where dropping physical damage coverage is not recommended. If you haven't satisfied your loan, you have to keep full coverage to protect the lienholder's interest. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should not opt for liability only.

Car insurance rates and discounts

Car insurance is expensive, but there could be available discounts that may help make it more affordable. Some discounts will apply at the time of purchase, but some discounts are required to be requested specifically before being credited.

  • Policy Bundle Discount - If you insure your home and vehicles and insure them with the same company you may save approximately 10% to 15%.
  • Discount for Home Ownership - Just owning your own home can get you a discount because it is proof of financial responsibility.
  • ABS Brakes - Cars that have steering control and anti-lock brakes have fewer accidents and qualify for as much as a 10% discount.
  • Savings for New Vehicles - Buying a new car instead of a used Focus may earn a small discount compared to insuring an older model.
  • Student Discount for Driver Training - Teen drivers should complete a driver education course as it can save substantially.
  • Passive Restraint Discount - Cars that have air bags or automatic seat belts may get savings of up to 25% or more.
  • Low Mileage Discounts - Driving less could be rewarded with lower car insurance rates on the low mileage vehicles.
  • Professional Organizations - Being in a professional or civic organization could earn you a nice discount on your policy.
  • Discounts for Cautious Drivers - Insureds without accidents may receive a discount up to 45% compared to accident prone drivers.
  • Defensive Driver - Successfully completing a class that teaches driver safety techniques could possibly earn you a 5% discount and easily recoup the cost of the course.

As a disclaimer on discounts, most credits do not apply to the entire policy premium. Most only apply to individual premiums such as medical payments or collision. So even though it sounds like all the discounts add up to a free policy, nobody gets a free ride.

The chart below illustrates the difference between Ford Focus insurance prices with and without discounts applied to the policy premium. The data is based on a male driver, no claims or driving citations, Colorado state minimum liability limits, comprehensive and collision 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, claim-free, homeowner, multi-policy, and multi-car discounts applied.

If you would like to view companies who offer cheap Ford Focus insurance quotes in Colorado Springs in Colorado Springs, click here to view.

Neighborhood Colorado Springs auto insurance agents

Certain consumers would rather get professional advice from a licensed agent and that is just fine! Experienced insurance agents are trained to spot inefficiencies and help file insurance claims. A nice benefit of comparing insurance prices online is the fact that you can find cheap car insurance quotes and still choose a local agent. Supporting local agents is important especially in Colorado Springs.

Colorado Springs insurance agentsBy using this form (opens in new window), your insurance coverage information is immediately sent to insurance agents in Colorado Springs who can give free rate quotes for your coverage. You never need to search for an agent since price quotes are sent immediately to your email address. If for some reason you want to quote rates from one company in particular, you would need to find their quoting web page to submit a rate quote request.

Finding the right company should depend on more than just a cheap quote. Here are some questions you should ask.

  • How much can you save by raising your physical damage deductibles?
  • Do they reduce claim amounts on high mileage vehicles?
  • Does the agency have a positive business rating?
  • Are claims handled at the agent's location?
  • Do they offer rental car reimbursement?

Don't give up on cheap rates

We just presented many ideas to find affordable Ford Focus insurance in Colorado Springs. The key thing to remember is the more rate comparisons you have, the better likelihood of getting low cost Colorado Springs car insurance quotes. You may even find the lowest prices come from the smaller companies. Some small companies can often provide lower rates in certain areas than the large multi-state companies such as State Farm, GEICO and Nationwide.

There are still a few companies who may not have online price quotes and these smaller providers provide coverage only through local independent agents. Lower-priced auto insurance in Colorado Springs is possible both online and from local agencies, so you need to compare both in order to have the best price selection to choose from.

When searching for affordable Ford Focus insurance quotes, it's a bad idea to skimp on critical coverages to save a buck or two. There are a lot of situations where an insured cut comprehensive coverage or liability limits only to regret that they should have had better coverage. Your objective should be to find the BEST coverage for the lowest cost while not skimping on critical coverages.

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