Finding the cheapest insurance for a Ford Focus in Texas can be difficult, but you can learn the following methods to find lower rates.
There are more efficient ways to compare car insurance rates and we’ll show you the quickest way to price shop coverage on a Ford and obtain the lowest possible price from both online companies and Dallas agents.
Buying affordable car insurance in Dallas is easy if you know what you’re doing. If you are insured now or need new coverage, you can follow these tips to find better prices and still get good coverage. Texas drivers just need to understand the most efficient way to shop their coverage around online.
These discounts can lower your car insurance quotes
Car insurance can cost a lot, but you may find discounts that may help make it more affordable. Some trigger automatically when you complete an application, but a few must be asked for before you will receive the discount. If they aren’t giving you every credit available, you are not getting the best rate possible.
- Mature Driver Discount – Older drivers can possibly qualify for reduced rates on Focus insurance.
- Bundled Policy Discount – If you have multiple policies with one company you will save over 10 percent off each policy depending on the company.
- Professional Memberships – Being a member of specific professional or occupational memberships or organizations can get you a small discount on your bill.
- Driver Education Discount – Have your child complete a driver education course in school.
- One Accident Forgiven – but some companies like Allstate and GEICO will let one accident slide before they charge you more for coverage so long as you haven’t had any claims prior to the accident.
While discounts sound great, it’s important to understand that some of the credits will not apply to your bottom line cost. Some only reduce the cost of specific coverages such as comprehensive or collision. So when the math indicates you could get a free car insurance policy, company stockholders wouldn’t be very happy.
A list of companies and some of the premium reductions they offer are outlined below.
- GEICO offers premium reductions for defensive driver, air bags, anti-lock brakes, membership and employees, multi-policy, driver training, and seat belt use.
- Travelers offers discounts including multi-policy, hybrid/electric vehicle, payment discounts, student away at school, and good student.
- Nationwide discounts include Farm Bureau membership, business or organization, accident-free, easy pay, family plan, and good student.
- Farmers Insurance may include discounts for homeowner, good student, business and professional, teen driver, and electronic funds transfer.
- Esurance may have discounts that include claim free, paid-in-full, anti-lock brakes, Switch & Save, and DriveSense.
- State Farm policyholders can earn discounts including Steer Clear safe driver discount, multiple policy, defensive driving training, good student, safe vehicle, and student away at school.
- Progressive has discounts for good student, online quote discount, continuous coverage, online signing, and multi-vehicle.
- Mercury Insurance offers discounts for multi-policy, anti-theft, type of vehicle, good driver, professional/association, low natural disaster claims, and ease of repair.
Before buying, ask every insurance company which credits you are entitled to. Some of the discounts discussed earlier might not be offered everywhere. To find companies with discount rates in Dallas, click here to view.
Most larger insurance companies such as Progressive, GEICO, Allstate and State Farm provide pricing directly from their websites. Doing online quotes can be done by anyone as you just type in the coverage amounts you desire into a form. Behind the scenes, their rating system gets your driving and credit reports and returns a price quote based on many factors. 
Being able to quote online simplifies rate comparisons, but the process of having to visit multiple sites and complete many quote forms can get tiresome after awhile. But it’s also necessary to get many rate quotes if you are searching for lower prices.
Compare rates the easy way
The preferred way to find cheaper rates utilizes a single form that analyzes rates from a bunch of companies at once. The form is fast, helps eliminate reptitive entry, and makes online price comparison much more enjoyable and efficient. After sending your information, your coverage is rated with multiple companies and you can pick any of the price quotes you receive.
If a lower price is quoted, you can click and sign and buy the new coverage. The entire process takes just a few minutes to complete and can result in significant savings.
To get comparison pricing now, click here to open in a new tab and enter your vehicle and coverage information. If you have a policy now, it’s recommended you copy coverages and limits just like they are on your policy. This makes sure you will receive an apples-to-apples comparison using the exact same coverages.
Choices You Make Can Impact Your Insurance Premiums
A large part of saving on car insurance is knowing some of the things that go into determining your premiums. When you know what positively or negatively determines base rates, this empowers consumers to make smart changes that may reward you with cheaper rates. Many things are used in the calculation when you get your auto insurance bill. Some are obvious such as your driving history, but other factors are less apparent such as your credit history or your financial responsibility.
- Less chance of injury means lower prices – Safer cars tend to be cheaper to insure. Highly rated vehicles have better occupant injury protection and better occupant protection means less money paid by your insurance company which can mean better rates for you. If your Ford scored at minimum four stars on Safercar.gov you may pay a lower rate.
- Incidental coverages can add up – There are a lot of additional coverages that may not really be needed if you don’t pay attention. Things like personal injury protection, accident forgiveness, and extra equipment coverage may be wasting your money. These may sound like a good investment when you first buy your policy, but if you’ve never needed them in the past consider taking them off your policy.
- Getting married can lower premiums – Getting married may cut your premiums compared to being single. It demonstrates that you tend to be less irresponsible and statistics show being married results in fewer claims.
- Insurance companies don’t like frequent insurance claims – Companies in Texas award better rates to policyholders who only file infrequent claims. If you file a lot of claims you can expect much higher rates or policy non-renewal. Auto insurance is designed for the large, substantial claims.
- Theft deterrents systems cut prices – Choosing a vehicle with a theft deterrent system can save you some money. Advanced theft deterrents like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help prevent auto theft.
- A good credit score can save money – A driver’s credit history can be a huge factor in determining what you pay. Insureds with excellent credit tend to be less risk to insure than those with lower credit ratings. So if your credit rating leaves room for improvement, you could pay less to insure your Ford Focus by spending a little time repairing your credit.
- Low comp and collision deductibles can be expensive – Coverage for physical damage, also known as collision and other-than-collision, covers your vehicle from damage. Some instances where coverage would apply are a broken windshield, hail damage, and having your car stolen. Comp and collision deductibles tell how much you are willing to pay if a covered claim is submitted. The more of the claim you pay before a claim is paid (deductible), the lower your rates will be on Focus insurance.
Quote often and quote early
When getting , never buy poor coverage just to save money. There have been many situations where an insured dropped collision coverage only to discover later they didn’t have enough coverage. The aim is to find the BEST coverage at an affordable rate but still have enough coverage for asset protection.
Low-cost Ford Focus insurance is definitely available on the web and from local insurance agents, and you should compare rates from both to have the best rate selection. Some insurance providers may not have rates over the internet and usually these regional insurance providers provide coverage only through independent insurance agents.
Consumers who switch companies do it for a number of reasons such as unfair underwriting practices, delays in paying claims, lack of trust in their agent or even policy cancellation. Whatever your reason, switching companies can be easy and end up saving you some money.
Additional car insurance information can be read on the website for the Texas Department of Insurance found here. Consumers can file complaints about a company, find disaster information, read state legal mandates and laws, and find out which companies have the most complaints.
These articles may also be worth reading.