Buying affordable insurance for a Ford Focus is dependent upon a complicated rating formula that uses factors such as how many years you have been driving, your profession, and any past driving violations you may have had. Drivers in Georgia pay around $985 a year to insure their Focus, but that is an estimation based on a 50-year-old single male driver with full comprehensive and collision coverage and $1,000 deductibles.
The issue with using an average estimated rate is the likelihood you are not 50 years old and maybe not even male, you might be married instead of single, or maybe you just want different deductibles. Even a minor difference in the rating criteria used to formulate rates can result in a large change in the policy rate.
This example demonstrates why the best way to find the cheapest insurance price for your Ford is to put in the effort to do a thorough rate comparison. It’s really quite easy you can get rates from top-rated companies around.
Your Ford’s trim level can impact the cost of insurance, so the cost to insure a Focus S 4-Dr Sedan trim level will cost $160 less than the insurance cost for the more costly Focus SES 2-Dr Coupe model, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Focus S 4-Dr Sedan||$140||$332||$444||$26||$134||$1,076||$90|
|Focus SE 4-Dr Sedan||$140||$332||$444||$26||$134||$1,076||$90|
|Focus SEL 4-Dr Sedan||$140||$392||$444||$26||$134||$1,136||$95|
|Focus SES 4-Dr Sedan||$140||$392||$444||$26||$134||$1,136||$95|
|Focus SE 2-Dr Coupe||$162||$392||$502||$30||$150||$1,236||$103|
|Focus SES 2-Dr Coupe||$162||$392||$502||$30||$150||$1,236||$103|
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Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Georgia minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Table data does not factor in zip code location which can revise premiums greatly.
Choosing the right auto insurance provider can be challenging considering how many companies provide coverage in Atlanta. The company information in the next section could help you decide which auto insurance companies you want to consider when comparing auto insurance rates for a Ford Focus.
The ratings below are only made up of major nationwide insurance companies, so companies without a large exposure are not factored into these rankings. If you’d like to compare prices from these and other companies in Georgia, click this link.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
Difference between liability only and full coverage rates
Paying a lower price for auto insurance is the goal of most drivers, and one way to buy cheaper insurance for a Ford Focus is to only buy liability insurance. The information below shows the difference between auto insurance costs with full physical damage coverage and with liability coverage only. The price estimates are based on no driving violations, no at-fault accidents, $100 deductibles, drivers are single, and no discounts are factored in.
Averaged out for all age groups, comp and collision coverage costs an extra $2,820 per year more than just buying liability only. That brings up the question if physical damage coverage is worth the money. There is no definitive rule to stop buying physical damage coverage, but there is a broad guideline. If the yearly cost for physical damage coverage is more than 10% of the replacement cost minus the deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s pretend your vehicle’s replacement cost is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company would pay you is $2,000 after paying the physical damage deductible. If you are paying in excess of $200 a year for comprehensive and collision coverage, then it may be the right time to buy liability only.
There are a few situations where buying only liability insurance is not recommended. If you haven’t satisfied your loan, you must maintain physical damage coverage to protect the lienholder’s interest in the vehicle. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should keep full coverage.
Who has the cheapest Focus insurance?
Atlanta, GA auto insurance rates are calculated based on many things that can increase the price of your policy. Turning one year older, having a teen driver, or getting caught speeding can trigger rate changes that can make some companies more affordable than the competition. Not only may your situation change, but car insurance companies modify pricing as often as every three months in order to remain profitable. Higher than normal claims may cause higher priced premiums, while lower claim levels can result in lower-cost Focus insurance rates.
For example, the chart below shows a variety of companies that have the cheapest car insurance in Atlanta, GA for a 45-year-old female driver with no violations or accidents, and a high credit rating. If we estimate rates based on her current risk factors, Auto-Owners has the lowest car insurance rates in Atlanta at $1,171 each year. This is $358 less than the average premium paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and MetLife round out the rest of the most affordable Atlanta, GA auto insurance companies.
In this next rate comparison, we will give the driver in the first chart a claim surcharge, poor credit, and a stop sign violation. Because each insurer has a proprietary method for determining prices, comparing insurance quotes may now show a completely different list of cheap Atlanta auto insurance companies as shown below.
The Hartford now has the cheapest auto insurance in Atlanta, GA with Travelers, Safeco, USAA, and Country completing the list. This shows why drivers need to take the time to shop around to get the most economical car insurance quotes for a Ford Focus.
Insurance rates are made up of many different factors and can increase or decrease at any time, so the cheapest company two years ago may now be quite expensive.
If you like to have a professional recommendation when comparing insurance rates for a Ford Focus, the professional agents shown below can probably aid you in deciding which policy fits your needs best.
To locate an Atlanta car insurance agency in your neighborhood, click the button link following the list or click here to compare rates now.
2987 Clairmont Rd #425 – Atlanta, GA 30329 – (404) 633-6332
Randy Beavers – State Farm Insurance Agent
135 Mount Vernon Hwy – Atlanta, GA 30328 – (770) 396-3810
Mack Insurance Agency, Inc.
530 Joseph E Lowery Blvd SW A – Atlanta, GA 30310 – (470) 771-3398
How to find low-cost auto insurance for a Ford Focus
It is possible to find better rates, and here are many money-saving ideas that can help Georgia drivers quote more affordable car insurance.
- On older vehicles, drop full coverage
- Vehicles with safetly features generally cost less to insure
- Claim-free drivers earn discounts
- Increase the comprehensive and collision deductibles on your policy
- Buying car and homeowners insurance together can save money
- Good credit scores may make rates cheaper
- Look for cheaper rates once a year by shopping around
That last piece of advice is highly valuable, as we stressed in this write-up. Car insurance rates fluctuate constantly, so you should be ready to buy from a new company if a lower price can be found.
Having a favorite company is great, but it isn’t a good idea if that loyalty results in overpaying hundreds of dollars year after year. In just a few minutes you could compare prices and find cheaper auto insurance for a Ford Focus in Atlanta.