How Much Does 2003 Ford Focus Insurance Cost?

Finding low-cost insurance for a Ford Focus can normally be an all-consuming task, but you can learn our insurance buying tips and make it easy. There are more efficient ways to buy insurance and we’ll show you the quickest way to compare rates for your Ford and obtain the best price possible from both online companies and local agents.

You need to compare prices before your next renewal because insurance rates fluctuate regularly. Just because you found the lowest premium rates on Focus insurance at your last renewal there may be better deals available now. There is a lot of bad information regarding insurance out there, but in a few minutes you can learn some great ways to lower your insurance bill.

The method we recommend to compare car insurance rates takes advantage of the fact almost all companies provide online access to quote your coverage. All you need to do is give them rating details such as how many miles driven, whether you are married, whether or not you need a SR-22, and how much school you completed. Your insurance information gets transmitted to multiple different insurance companies and they return rate quotes instantly to find the best rate.

If you would like to compare rates now, click here and enter the information requested.

Affordable insurance quotes with discounts

Some insurance providers do not list every discount they offer in an easy-to-find place, so the list below contains some of the more common and also the more inconspicuous credits available to lower your premiums when you buy car insurance online.

  • Own a Home and Save – Owning your own home or condo can earn you a little savings because of the fact that having a home requires a higher level of personal finance.
  • College Student – Older children living away from home attending college and leave their car at home can receive lower rates.
  • Claim-Free Discount – Good drivers with no accidents can earn big discounts when compared to accident-prone drivers.
  • Bundle and Save – If you can combine your home and auto policy and place coverage with the same company you will save 10% to 20% off each policy.
  • Multi-line Discount – If the company offers life insurance, you could get a small discount if you purchase a life policy as well.
  • Professional Memberships – Being a member of qualifying clubs or civic groups could qualify you for a break on insurance.
  • Early Renewal Discounts – Select larger companies give a discount for signing up before your current expiration date. You may see this discount when you get car insurance quotes online.
  • Seat Belt Usage – Drivers who require all occupants to buckle their seat belts could save 15% off the PIP or medical payment premium.
  • Driver Education Discount – It’s a good idea to have your young drivers complete a driver education course if offered at their school.
  • Telematics Data – Insureds who allow data collection to study driving manner by using a telematics device in their vehicle like Drivewise from Allstate or In-Drive from State Farm could possibly reduce rates as long as they are good drivers.

A little disclaimer on discounts, most discounts do not apply to the overall cost of the policy. The majority will only reduce specific coverage prices like comprehensive or collision. Just because you may think you can get free auto insurance, it’s just not the way it works.

If you would like to see a list of providers who offer cheap insurance quotes, click here to view.

Insurance premiums are influenced by these factors

Consumers need to have an understanding of a few of the rating criteria that come into play when calculating car insurance rates. If you have some idea of what determines premiums, this empowers consumers to make smart changes that will entitle you to lower premium levels. Multiple criteria are used in the calculation when premium rates are determined. Most are fairly basic like your driving record, although others are less obvious like your vehicle usage or your vehicle rating.

  • File a insurance claims and pay more – If you file a lot of claims you should expect higher premiums or even policy non-renewal. Companies give lower rates to policyholders who do not file claims often. Auto insurance is designed for larger claims.
  • Gender matters – Over the last 50 years, statistics have shown females are less aggressive when driving. This data doesn’t prove that females are better drivers. Women and men tend to get into accidents at about the same rate, but males have accidents that have higher claims. Not only are claims higher, but men have more aggressive citations like DUI and reckless driving. Male drivers age 16 to 19 tend to get in the most accidents and therefore pay the highest rates.
  • How do annual miles impact costs? – The more you drive every year the more you’ll pay to insure your vehicle. Almost all companies apply a rate determined by how the vehicle is used. Vehicles that have low annual miles get more affordable rates compared to those used for work or business. A policy that improperly rates your Focus is just wasting money. Verify your car insurance policy is rated on the correct usage.
  • Deter car thieves – Buying a car with a theft deterrent system can get you a discount on your car insurance. Systems that thwart theives like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder vehicle theft.

Tailor your car insurance coverage to you

When it comes to buying the right insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Everyone’s needs are different.

These are some specific questions could help you determine whether or not you may require specific advice.

  • How can I find cheaper teen driver insurance?
  • Should I rate my 2003 Ford Focus as pleasure use or commute?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • What can I do if my company denied a claim?
  • Do I need higher collision deductibles?
  • Is my babysitter covered when using my vehicle?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and may give you better protection.

Insurance coverage options for a 2003 Ford Focus

Having a good grasp of insurance aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Coverage for liability

Liability coverage provides protection from damages or injuries you inflict on other people or property in an accident. It protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims like court costs, bail bonds, medical services and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible.

Collision coverage protection

Collision insurance will pay to fix damage to your Focus caused by collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as sustaining damage from a pot hole, hitting a parking meter, colliding with another moving vehicle, crashing into a ditch and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for expenses like rehabilitation expenses, doctor visits, prosthetic devices, hospital visits and surgery. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and also any damage incurred to your Ford Focus.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Comprehensive auto coverage

This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as fire damage, rock chips in glass, damage from flooding and a broken windshield. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Shop smart and save

Some insurance companies do not provide rate quotes online and many times these smaller companies sell through independent insurance agents. Discount 2003 Ford Focus insurance can be sourced online in addition to many insurance agents, and you should compare rates from both so you have a total pricing picture.

When buying insurance coverage, do not skimp on coverage in order to save money. There have been many situations where someone sacrificed physical damage coverage and learned later they didn’t have enough coverage. The aim is to purchase a proper amount of coverage at the best cost and still be able to protect your assets.

In this article, we presented a lot of information how to get a better price on 2003 Ford Focus insurance. It’s most important to understand that the more companies you get car insurance rates for, the better your chances of lowering your car insurance rates. You may even find the best price on insurance is with some of the lesser-known companies.

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