Cheapest 2014 Ford Focus Insurance Rates in 2024
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Jun 5, 2023
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.
Looking for the cheapest car insurance rates? Shoppers have a choice when shopping for affordable Ford Focus insurance. They can either spend hours struggling with agents trying to get quotes or use the internet to find the lowest rates. There are more efficient ways to buy car insurance and we’ll show you the best way to price shop coverage for your Ford and find the lowest price from both online companies and local agents.
Smart consumers take time to compare rates yearly since rates are rarely the same from one policy term to another. Even if you think you had the lowest rates for Focus insurance last year you will most likely find a better rate today. Ignore everything you know about car insurance because I’m going to let you in on the secrets to the fastest and easiest way to properly buy coverages while reducing your premium.
How much can you save with these nine discounts?
Companies that sell car insurance don’t always publicize every available discount very well, so we researched some of the best known as well as the least known insurance coverage savings. If you don’t get every credit possible, you’re paying more than you need to.
- Homeowners Discount – Simply owning a home can save you money because of the fact that having a home shows financial diligence.
- Air Bag Discount – Cars that have air bags and/or automatic seat belt systems can get savings of more than 20%.
- Defensive Driving Course – Completing a driver safety course could possibly earn you a 5% discount if your company offers it.
- Lower Rates for Military – Having a deployed family member could be rewarded with lower premiums.
- Discount for Switching Early – Select companies give a discount for switching to them before your current expiration date. The savings is around 10%.
- Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts could save 15% off your PIP or medical payments premium.
- Safe Drivers – Insureds without accidents may save up to 50% more for Focus insurance than less cautious drivers.
- Life Insurance – Larger companies have lower rates if you buy a life insurance policy as well.
- Drivers Ed for Students – Cut your cost by having your teen driver successfully complete driver’s ed class in high school.
Drivers should understand that most of the big mark downs will not be given to the overall cost of the policy. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like having all the discounts means you get insurance for free, you won’t be that lucky.
How much car insurance do I need?
When buying the best auto insurance coverage for your vehicles, there really is not a one size fits all plan. Your needs are not the same as everyone else’s.
These are some specific questions can help discover if your insurance needs might need an agent’s assistance.
- Do I have coverage when using my vehicle for my home business?
- Exactly who is provided coverage by my policy?
- Does my personal policy cover me when driving out-of-state?
- Am I covered when pulling a rental trailer?
- When should I buy a commercial auto policy?
- Should I buy more coverage than the required minimum liability coverage?
If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form. It is quick, free and you can get the answers you need.
Insurance coverages 101
Knowing the specifics of a insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy.
Medical payments and PIP coverage
Med pay and PIP coverage kick in for short-term medical expenses for prosthetic devices, surgery and funeral costs. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay
Comprehensive auto coverage
This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things like hail damage, a broken windshield, rock chips in glass, hitting a deer and damage from flooding. The maximum amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
UM/UIM (Uninsured/Underinsured Motorist) coverage
Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.
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. So UM/UIM coverage should not be overlooked.
Liability insurance
This coverage protects you from damage that occurs to other’s property or people by causing an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged property.
Liability can pay for things like medical services, loss of income, court costs 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.
Collision coverage
This covers damage to your Focus from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.
Collision insurance covers claims such as sideswiping another vehicle, crashing into a ditch and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also bump up the deductible to save money on collision insurance.
In conclusion
Insureds change insurance companies for a variety of reasons including high rates after DUI convictions, unfair underwriting practices, policy non-renewal and even delays in responding to claim requests. It doesn’t matter what your reason, choosing a new company is actually quite simple.
Discount 2014 Ford Focus insurance can be bought online and with local insurance agents, and you need to comparison shop both so you have a total pricing picture. There are still a few companies who do not offer online quoting and these small insurance companies work with independent agents.
As you shop your coverage around, make sure you don’t skimp on coverage in order to save money. There have been many cases where consumers will sacrifice liability coverage limits only to regret that they should have had better coverage. Your goal should be to purchase a proper amount of coverage for the lowest price.
More detailed auto insurance information can be read in the articles below:
- Event Data Recorders FAQ (iihs.org)
- Tread Depth and Tire Safety (State Farm)
- Frontal Crash Tests (iihs.org)
- Protecting Teens from Drunk Driving (Insurance Information Institute)
Frequently Asked Questions
What factors determine the insurance rates for a 2014 Ford Focus?
Insurance rates for a 2014 Ford Focus are determined by several factors, including the driver’s age, driving record, location, insurance history, coverage options, deductibles, and the value of the vehicle. Other factors that may influence rates include the Ford Focus’ model, trim level, safety features, repair costs, and theft rates.
Is the insurance rate for a 2014 Ford Focus higher compared to other vehicles?
The insurance rates for a 2014 Ford Focus are generally in the mid to lower range compared to other vehicles. The Ford Focus is a compact car, and insurance rates for this type of vehicle are typically more affordable. However, rates can vary among insurance providers, and it’s recommended to compare quotes from different companies to find the most affordable option for the 2014 Ford Focus.
Are there any specific discounts available for insuring a 2014 Ford Focus?
Insurance companies may offer various discounts that can help lower the insurance rates for a 2014 Ford Focus. Some potential discounts include multi-policy discounts, safe driver discounts, discounts for certain safety features on the vehicle, and loyalty discounts for long-term customers. Contact insurance providers to inquire about available discounts specific to the Ford Focus.
How can I find the cheapest insurance rates for a 2014 Ford Focus?
To find the cheapest insurance rates for a 2014 Ford Focus, it’s advisable to shop around and obtain quotes from multiple insurance providers. Contact different insurance companies directly, use online comparison tools, or consult with an insurance broker who can gather quotes on your behalf. Comparing rates and coverage options will help you find the most competitive offer.
Are there any specific insurance providers known for offering competitive rates for compact cars like the 2014 Ford Focus?
Insurance rates can vary among providers, and the competitiveness of rates may change over time. It is recommended to research and compare quotes from various insurance companies that specialize in insuring compact cars. Look for providers with experience in insuring similar vehicles to find the best rates for the 2014 Ford Focus.
Can I adjust my coverage options to lower the insurance rates for a 2014 Ford Focus?
Adjusting your coverage options can potentially affect the insurance rates for a 2014 Ford Focus. However, it’s important to carefully consider the potential risks and benefits of reducing coverage. Lowering coverage limits or removing certain types of coverage may leave you financially vulnerable in case of an accident or other incidents. It’s advisable to consult with an insurance professional to determine the appropriate coverage levels for your needs.
Are there any specific precautions I can take to potentially lower the insurance rates for a 2014 Ford Focus?
While insurance rates are determined by various factors, there are some precautions you can take to potentially lower the insurance rates for your 2014 Ford Focus. These include maintaining a clean driving record, installing safety features such as anti-theft devices and alarm systems, parking in a secure location, and completing defensive driving courses. Some insurance providers may offer discounts for such precautions.
Frequently Asked Questions
- What is a named operator policy?
- Will Geico insure a car not in my name?
- What Is Covered in a Jeep Powertrain Warranty? 2024
- Cheapest Jeep Insurance Rates in 2024
- Do trucks cost more to insure?
- How long does a DUI stay on your record?
- Does the Porsche Club of America offer car insurance?
- View All Coverage Questions
Popular Rate Quotes
- GMC Sierra Insurance
- Ford F-150 Insurance
- Chevrolet Silverado Insurance
- Honda CR-V Insurance
- Toyota Prius Insurance
- Ford Explorer Insurance
- Nissan Rogue Insurance
- Toyota Corolla Insurance
- Dodge Ram Insurance
Compare Rates and Save
Find companies with the cheapest rates in your area