No car owner loves paying for auto insurance, especially when they know it costs too dang much.
A recent auto insurance study discovered that the vast majority of drivers have remained with the same auto insurance company for four years or more, and nearly 40% of drivers have never quoted rates to find cheaper coverage. Drivers in Evansville can save hundreds of dollars each year just by comparing rates, but they assume it's a waste of time to go online and compare rates. Popular companies such as GEICO and Progressive increase brand awareness with fancy advertisements and it is challenging if not impossible to ignore the flashy ads and find the best price available.
It is always a good idea to shop coverage around on a regular basis because rates are constantly changing. Just because you found the best deal on Ford Focus insurance in Evansville a few years ago other companies may now be cheaper. Forget all the misinformation about auto insurance because you're about to learn the best way to find better coverage on Ford Focus insurance in Evansville at a better price.
If you have insurance now or are just looking to switch companies, use these money-saving tips to save money while maintaining coverages. Finding the cheapest auto insurance coverage in Evansville is not that difficult. Drivers only have to learn the fastest way to quote multiple rates from many different companies.
The easiest way to compare insurance rates in your area utilizes the fact car insurance companies have advanced systems to provide you with free rate quotes. The only thing you need to do is provide the companies a bit of rating information like your education level, the year, make and model of vehicles, your occupation, and whether you have decent credit. Those rating factors is automatically sent to many of the top insurers and you receive quotes almost instantly.
To find lower affordable Ford Focus insurance rates now, click here and enter your zip code.
The following companies are ready to provide comparison quotes in Indiana. If more than one company is shown, we recommend you visit several of them in order to get a fair rate comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Focus S 4-Dr Sedan||$176||$294||$368||$22||$110||$970||$81|
|Focus SE 4-Dr Sedan||$234||$536||$380||$22||$114||$1,286||$107|
|Focus SEL 4-Dr Sedan||$150||$400||$340||$20||$102||$1,012||$84|
|Focus SES 4-Dr Sedan||$204||$504||$286||$16||$86||$1,096||$91|
|Focus SE 2-Dr Coupe||$236||$592||$384||$22||$114||$1,348||$112|
|Focus SES 2-Dr Coupe||$186||$426||$298||$18||$90||$1,018||$85|
|Get Your Own Custom Quote Go|
Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Indiana minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Premium costs do not factor in Evansville location which can modify coverage rates greatly.
Male drivers versus female drivers
The information below visualizes the comparison of Ford Focus insurance rates for male and female drivers. The premiums assume no claims, a clean driving record, full coverage, $250 deductibles, drivers are single, and no policy discounts are applied.
Full coverage rates compared to liability-only
The illustration below illustrates the comparison of Ford Focus car insurance costs with and without full coverage. The price estimates are based on no driving violations, no at-fault accidents, $500 deductibles, single female driver, and no discounts are applied.
Should you pay for full coverage or liability only?
There is no definitive formula of when to exclude physical damage insurance, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than around 10% of the settlement you would receive from your company, then it might be time to consider dropping full coverage.
For example, let's say your Ford Focus book value is $5,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would receive is $4,000 after you pay the deductible. If it's costing you more than $400 annually for your policy with full coverage, then you may want to consider only buying liability coverage.
There are some situations where only buying liability is not recommended. If you still have a loan on your vehicle, you must maintain physical damage coverage as part of the loan requirements. Also, if you don't have enough money to buy a different vehicle if your current one is damaged, you should keep full coverage in place.
Three main reasons to buy car insurance
Despite the high cost, paying for car insurance may not be optional for several reasons.
- Most states have minimum liability requirements which means it is punishable by state law to not carry specific minimum amounts of liability protection in order to get the vehicle licensed. In Indiana these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you bought your Ford Focus with a loan, it's guaranteed your bank will have a requirement that you carry insurance to protect their interest in the vehicle. If you do not pay your insurance premiums, the lender may have to buy a policy to insure your Ford for a much higher rate and force you to pay for it.
- Car insurance preserves not only your car but also your assets. Insurance will pay for medical transport and hospital expenses for yourself as well as anyone injured by you. Liability coverage also pays expenses related to your legal defense in the event you are sued. If your car is damaged in a storm or accident, comprehensive and/or collision insurance will pay to restore your vehicle to like-new condition.
The benefits of buying enough insurance are without a doubt worth the cost, particularly if you ever have a claim. The average driver in America is overpaying over $830 a year so compare quotes from several companies once a year at a minimum to ensure rates are competitive.
Do you qualify for discounts on Ford Focus insurance in Evansville?
Car insurance companies don't necessarily list every policy discount very clearly, so the next list breaks down both the well known and also the more inconspicuous credits that may apply to you.
- Employee of Federal Government - Federal government employees may qualify for a discount when you quote Evansville car insurance but check with your company.
- Pay Upfront and Save - By paying your policy upfront rather than spreading payments over time you can avoid monthly service charges.
- ABS Brakes - Cars and trucks with ABS and/or traction control can avoid accidents so companies give up to a 10% discount.
- Evansville Homeowners Discount - Owning a house in Evansville can get you a discount due to the fact that maintaining a home demonstrates responsibility.
- Drive Safe and Save - Insureds without accidents can get discounts for up to 45% lower rates than their less cautious counterparts.
- Senior Citizen Rates - Older drivers could receive a small discount on rates.
- Multiple Policy Discount - If you combine your auto and homeowners policies with one insurance company you may save nearly 15% which can help you find inexpensive Ford Focus insurance in Evansville.
- Membership in Organizations - Having an affiliation with a professional or civic organization could qualify you for a break on insurance.
- Student Driver Training - Teen drivers should enroll in driver's education in school.
You should keep in mind that some credits don't apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as medical payments or collision. Despite the appearance that you would end up receiving a 100% discount, companies don't profit that way.
To locate insurance companies with the best Ford Focus insurance discounts in Evansville in Evansville, click this link.
Auto insurance agents can find coverage gaps
Some people would rather have an agent's advice and that is OK! Good agents are very good at helping people manage risk and give you someone to call. A good thing about comparing rate quotes online is the fact that you can find lower rates and also buy local. Buying from and supporting local insurance agents is important particularly in Evansville.
To find an agent, once you fill out this quick form, your coverage information is emailed to agents in your area who want to provide quotes for your business. There is no need to find an agent since price quotes are sent directly to your email. If you need to get a price quote from a specific company, just go to their quote page and complete a quote there.
If you are wanting to find a local insurance agency, it can be helpful to understand the types of agencies and how they can quote your rates. Agents can be classified as either exclusive or independent. Both write car insurance policies, but it's worth mentioning the difference in how they write coverage because it can impact your selection of an agent.
Independent Agencies or Brokers
Independent agents do not work for one specific company and that gives them the ability to insure through lots of different companies and get the cheapest rates. If your premiums go up, an independent agent can move your coverage which is easy for the insured.
When comparing car insurance prices, we highly recommend that you get quotes from several independent insurance agents to have the best price comparison.
The following is a partial list of independent insurance agencies in Evansville that can give you competitive price quotes.
Agents of this type can only write with one company such as AAA, Allstate, and State Farm. These agents are not able to provide other company's prices so if the price isn't competitive there isn't much they can do. Exclusive agents are usually well trained on their products and sales techniques and that enables them to sell even at higher rates.
Below is a list of exclusive agencies in Evansville that can give you price quotes.
Deciding on a insurance agent requires you to look at more than just the quoted price. Before buying a policy in Evansville, get answers to these questions.
- Are they able to influence company decisions when a claim is filed?
- Do they specialize in personal lines auto insurance in Evansville?
- What companies can they write with?
- Are there any discounts for paying up front?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- Is insurance their full-time profession?
- If independent agents, which companies do they recommend?
- When do they do policy reviews?
Which is the best car insurance?
Always remember that when buying coverage online or from an agent, there really isn't a single plan that fits everyone. Your needs are unique to you so your insurance should reflect that These are some specific questions may help highlight whether your personal situation might need professional guidance.
- Can I rate high risk drivers on liability-only vehicles?
- Is pleasure use cheaper than using my Ford Focus to commute?
- What if I owe more than I can insure my car for?
- Does coverage follow the driver or the vehicle?
- Can my teen drive my company car?
- Will my rates increase for filing one claim?
- Why am I required to get a high-risk car insurance policy?
- Is a fancy paint job covered?
If it's difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area. It's fast, free and you can get the answers you need.
Car insurance policy coverages for a Ford Focus
Having a good grasp of car insurance helps when choosing appropriate coverage and proper limits and deductibles. Car insurance terms can be impossible to understand and reading a policy is terribly boring. Listed below are the usual coverages available from car insurance companies.
Comprehensive car insurance - This coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers things like hail damage, damage from flooding, rock chips in glass, vandalism and theft. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.
Collision coverages - Collision insurance pays for damage to your Focus from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.
Collision insurance covers things such as driving through your garage door, sideswiping another vehicle, colliding with another moving vehicle and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible on your Focus to save money on collision insurance.
Coverage for uninsured or underinsured drivers - This coverage gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and damage to your Ford Focus.
Since many Indiana drivers have only the minimum liability required by law (which is 25/50/10), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally the UM/UIM limits do not exceed the liability coverage limits.
Auto liability insurance - This coverage provides protection from damages or injuries you inflict on other's property or people. This insurance protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.
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 might see limits of 25/50/10 that translate to $25,000 in coverage for each person's injuries, a limit of $50,000 in injury protection per accident, and $10,000 of coverage for damaged property. Occasionally you may see a combined limit which limits claims to one amount rather than limiting it on a per person basis.
Liability coverage protects against things such as pain and suffering, medical services, loss of income, repair bills for other people's vehicles and structural damage. How much liability coverage do you need? That is your choice, but it's cheap coverage so purchase as much as you can afford. Indiana state minimum liability requirements are 25/50/10 but you should consider buying more liability than the minimum.
Coverage for medical expenses - Med pay and PIP coverage provide coverage for expenses like nursing services, doctor visits and prosthetic devices. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover you and your occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage
One last thing about your coverage
A few companies don't offer price quotes online and usually these smaller providers sell through independent agents. Lower-priced Ford Focus insurance in Evansville can be found on the web in addition to many Evansville insurance agents, so you should compare both so you have a total pricing picture.
While you're price shopping online, it's very important that you do not reduce coverage to reduce premium. There are too many instances where drivers have reduced liability coverage limits and learned later they didn't purchase enough coverage. The proper strategy is to purchase plenty of coverage at the best possible price but still have enough coverage for asset protection.
We just presented many ideas to save on Ford Focus insurance in Evansville. It's most important to understand that the more quotes you get, the better your chances of lowering your auto insurance rates. Drivers may even discover the lowest rates are with a company that doesn't do a lot of advertising. Smaller companies may often insure only within specific states and give getter rates than their larger competitors like State Farm and Allstate.
- Determining Your Vehicle's Value and Repair Cost (Insurance Information Institute)
- Who Has Cheap Car Insurance Rates for College Graduates in Indiana? (FAQ)
- What Insurance is Cheapest for State Employees in Indiana? (FAQ)
- Who Has Cheap Indiana Car Insurance Rates for a Ford F-150? (FAQ)
- How Much are Car Insurance Rates for Drivers Over Age 50 in Indiana? (FAQ)
- What is the Cheapest Auto Insurance in Carmel, Indiana? (FAQ)
- Who Has Affordable Indiana Auto Insurance for Teachers? (FAQ)
- Understanding Limits and Deductibles (Allstate)
- Your Car has been Stolen: Now What? (Allstate)
- Help Your Teen Be a Better Driver (State Farm)
- Shopping for a Safe Car (Insurance Information Institute)