Cheapest 2018 Ford Focus Insurance Rates in 2024

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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 6, 2023

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Searching for better auto insurance rates for your Ford Focus? Paying for expensive Ford Focus insurance can draw down your family’s budget and put a big crunch on your finances.

Popular companies such as Progressive, State Farm and GEICO all claim big savings with TV and radio ads and it is challenging if not impossible to ignore the flashy ads and effectively compare rates to find the best deal.

You may qualify for discounts

Companies don’t always list every discount they offer in a way that’s easy to find, so the list below details a few of the more well known and the more hidden discounts that you may qualify for.

  • No Claims – Insureds with no claims or accidents get the best auto insurance rates when compared to frequent claim filers.
  • ABS Braking Discount – Anti-lock brake equipped vehicles can avoid accidents and qualify for as much as a 10% discount.
  • Membership in Organizations – Having an affiliation with a civic or occupational organization is a simple method to lower premiums when getting a auto insurance quote.
  • Waiver for an Accident – Not really a discount, but some companies like GEICO and Allstate will forgive one accident without getting socked with a rate hike as long as you don’t have any claims prior to the accident.
  • Safe Driver Discount – Insureds without accidents may receive a discount up to 45% on Focus insurance compared to rates paid by drivers with frequent claims.

A little note about advertised discounts, most discounts do not apply the whole policy. Most only apply to individual premiums such as physical damage coverage or medical payments. So even though you would think you would end up receiving a 100% discount, nobody gets a free ride. Any qualifying discounts should help reduce the amount you pay for coverage.

A partial list of companies that may offer many of the previously listed discounts include:

  • State Farm
  • American Family
  • 21st Century
  • Progressive

Before you buy a policy, ask each company or agent which discounts you may be entitled to. Discounts might not apply in your state. To see a list of companies that offer the discounts shown above, follow this link.

There’s no such thing as the perfect auto insurance policy

When it comes to choosing adequate coverage for your personal vehicles, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions might point out whether or not you would benefit from professional advice.

  • Do I have coverage when pulling a U-Haul trailer?
  • Am I covered if I hit my neighbor’s mailbox?
  • What companies insure drivers after a DUI or DWI?
  • Am I covered if hit by an uninsured driver?
  • Are my tools covered if they get stolen from my vehicle?
  • Can my teen drive my company car?
  • Should I carry comprehensive and collision coverage?
  • Do I have any recourse if my insurance company denies a claim?
  • What is roadside assistance coverage?
  • If I drive on a suspended license am I covered?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an agent. To find an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area.

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Insurance coverage breakdown

Learning about specific coverages of your policy can help you determine the right coverages for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement. These are the usual coverages available from insurance companies.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as surgery, prosthetic devices, doctor visits, chiropractic care and funeral costs. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision insurance

Collision insurance pays to fix your vehicle from damage from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as sideswiping another vehicle, colliding with another moving vehicle, rolling your car, hitting a parking meter and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as damage to your Ford Focus.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like fire damage, rock chips in glass, theft and damage from getting keyed. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for liability

Liability coverage protects you from damages or injuries you inflict on people or other property that is your fault. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage protects against claims such as legal defense fees, repair costs for stationary objects, structural damage and medical services. How much coverage you buy is a decision to put some thought into, but consider buying higher limits if possible.

Final thoughts

We covered some good ideas how to shop for 2018 Ford Focus insurance online. The key concept to understand is the more rate quotes you have, the higher your chance of finding cheap auto insurance. Consumers may even find the biggest savings come from an unexpected company. Smaller companies may cover specific market segments cheaper than the large multi-state companies such as Progressive and GEICO.

Lower-priced 2018 Ford Focus insurance is available online and with local insurance agents, so you need to shop auto insurance with both to get a complete price analysis. Some insurance providers do not offer online quoting and these regional carriers sell through independent agents.

When buying insurance coverage, do not buy less coverage just to save a little money. There are many occasions where consumers will sacrifice collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your focus should be to buy enough coverage at the best cost while still protecting your assets.

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Frequently Asked Questions

How can I find the cheapest auto insurance rates for a 2018 Ford Focus in 2023?

To find the cheapest auto insurance rates for a 2018 Ford Focus in 2023, you can enter your ZIP code below to view companies that offer cheap auto insurance rates. It is recommended to compare quotes from different companies to increase your chances of finding the best deal.

Are there any discounts available for auto insurance?

Yes, many insurance companies offer various discounts that you may qualify for. Some of the well-known and hidden discounts include safe driver discounts, multi-policy discounts, good student discounts, and more. It is advisable to ask each company or agent about the discounts you may be entitled to before purchasing a policy.

Is there a perfect auto insurance policy?

When it comes to choosing auto insurance coverage, there is no one-size-fits-all policy. Everyone’s needs are different, so it’s important to consider your specific requirements. If you’re unsure about what coverage you need, it may be beneficial to seek professional advice or speak with an agent who can help you determine the right coverages for your vehicles.

What are the different types of coverage available in an auto insurance policy?

Auto insurance policies typically offer various types of coverage, including liability coverage, collision insurance, comprehensive coverage, medical payments coverage (or PIP), and uninsured/underinsured motorist coverage. Each type of coverage serves a specific purpose and it’s important to understand what they entail. You can consult with an insurance expert or refer to your policy documents for more information on the coverage breakdown.

How can I save money on auto insurance?

To save money on auto insurance, it is recommended to compare quotes from multiple insurance companies, as rates can vary. Additionally, you can inquire about available discounts, such as safe driver discounts or multi-policy discounts. However, it’s important to ensure that you have adequate coverage and not sacrifice necessary coverage just to save money.

Where can I find more information about auto insurance?

If you’re interested in learning more about auto insurance, you can visit our website, which serves as a free online resource for auto insurance information. We strive to provide objective, third-party information to help you make informed decisions about your coverage. Our site is regularly updated, and all content is reviewed by auto insurance experts.

Free Auto Insurance Comparison

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

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