1. Vehicles
  2. Ford
  3. Ford Focus
  4. Model Year

Cheapest 2010 Ford Focus Insurance Rates in 2024

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 4, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Finding the most affordable insurance coverage on the internet can be rather challenging for consumers not familiar with buying insurance online. With dozens of online companies, how can drivers possibly compare the different rates to find the best available price?

It’s important to do rate comparisons periodically since rates change quite often. Even if you got the lowest rates for Focus coverage two years ago you will most likely find a better rate today. You’ll find quite a bit of inaccurate information about insurance coverage online, so with this article, you’re going to get some guaranteed methods to find cheap insurance coverage.

Discounts are available to cut your rates

Insurance can be prohibitively expensive, but there could be available discounts that many people don’t even know exist. Some trigger automatically when you purchase, but less common discounts must be specifically requested before they will apply.

  • Low Mileage – Low mileage vehicles could qualify for discounted rates on garaged vehicles.
  • Seat Belts Save more than Lives – Requiring all passengers to use their safety belts can save up to 15% off the personal injury premium cost.
  • Safe Driver Discount – Insureds without accidents can pay as much as 50% less for Focus coverage than their less cautious counterparts.
  • Defensive Driving Course – Successfully completing a course in driver safety could cut 5% off your bill depending on where you live.
  • Sign Online – A few companies will discount your bill up to fifty bucks just for signing your application digitally online.
  • Employee of Federal Government – Active or retired federal employment can save as much as 8% for Focus coverage with a few insurance companies.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.
  • Organization Discounts – Belonging to a professional or civic organization could trigger savings when shopping for insurance for Focus coverage.
  • Auto/Home Discount – If you insure your home and vehicles with one insurance company you may earn at least 10% off all policies.

As a disclaimer on discounts, most discount credits are not given to your bottom line cost. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. So when the math indicates all those discounts means the company will pay you, you’re out of luck. Any qualifying discounts will help reduce your premiums.

Car insurance companies that may have these discounts include:

  • GEICO
  • Travelers
  • Farm Bureau
  • Liberty Mutual
  • American Family
  • Progressive

Double check with every prospective company which discounts you may be entitled to. Savings might not be offered in your state.

Everyone needs different coverages

When buying coverage, there isn’t really a cookie cutter policy. Everyone’s situation is a little different.

Here are some questions about coverages that might point out if your situation would benefit from professional advice.

  • Am I covered by my spouse’s policy after a separation?
  • What is the minimum liability in my state?
  • Are there companies who specialize in insuring high-risk drivers?
  • How do I insure my teen driver?
  • Who is covered by my policy?
  • Why am I required to buy high-risk coverage?
  • Is my trailer covered?
  • Should I bundle my homeowners policy with my auto?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form.

Specifics of your insurance policy

Knowing the specifics of insurance can be of help when determining the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Liability auto insurance

This coverage protects you from damage that occurs to a person or their property that is your fault. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged property. Another option is one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things like pain and suffering, medical expenses, repair bills for other people’s vehicles, emergency aid and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for bills for chiropractic care, prosthetic devices and doctor visits. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers

This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your 2010 Ford Focus.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these coverages are similar to your liability insurance amounts.

Collision insurance

This pays for damage to your Focus from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as sustaining damage from a pot hole, backing into a parked car and crashing into a building. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Comprehensive insurance

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as a broken windshield, vandalism, hail damage and damage from flooding. The maximum payout a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Be a smart shopper

We just presented quite a bit of information on how to lower your 2010 Ford Focus insurance rates. The key thing to remember is the more rate quotes you have, the better likelihood of reducing your rate. Consumers may even find the most savings is with some of the lesser-known companies.

Drivers switch companies for a number of reasons such as unfair underwriting practices, not issuing a premium refund, lack of trust in their agent or even being labeled a high risk driver. It doesn’t matter why you want to switch finding a new company is actually quite simple.

Low-cost insurance is attainable from both online companies and also from your neighborhood agents, so you should compare both in order to have the best chance of saving money. There are still a few companies who may not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.

More tips and info about insurance coverage is available in the articles below:

Frequently Asked Questions

Where can I get cheap car insurance?

Lowering your 2010 Ford Explorer Sport Trac car insurance rates can be relatively painless. The best way to find low rates is to use an industry-wide quote request form that allows you to receive coverage quotes from many national carriers with just one request. Another method is to visit each company’s website individually and request a quote.

How can I save on Ford Explorer Sport Trac insurance?

There are various discounts available that can help you save on your Ford Explorer Sport Trac insurance. Some discounts are automatically applied when you get a quote, while others need to be specifically requested. It’s important to note that most discounts reduce the cost of specific coverages and may not result in a completely free policy. To find out which discounts you qualify for, it’s best to check with each insurance company.

What parts of my car insurance policy should I understand?

It’s important to understand the different coverages included in your car insurance policy. Here are a few key coverages:

  • Comprehensive or Other Than Collision: This coverage protects against damage to your vehicle caused by incidents other than collisions, such as theft or rock chips in the glass.
  • UM/UIM Coverage: This coverage provides protection when you’re involved in an accident with a motorist who doesn’t have sufficient liability coverage.
  • Collision: Collision insurance covers damage to your vehicle caused by collisions with other vehicles or objects.
  • Auto Liability: This coverage protects you against claims from other people for damage to their property or injuries caused by an accident.
  • Medical Costs Insurance: This coverage helps cover medical expenses resulting from an accident, such as X-ray expenses or ambulance fees.

How can I get lower rates on my insurance?

The key to getting lower insurance rates is to compare quotes from different companies. The more quotes you compare, the better your chances of finding the best price. You can obtain quotes online or through independent agents. It’s important to ensure that you’re using the same coverage limits and deductibles when comparing quotes to accurately evaluate the rates.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption