Insurance quote for Ford Focus in IndianapolisHigh-priced Ford Focus insurance in Indianapolis can dry up your personal savings and force you to tighten up your finances. Comparing rates annually can save money and help to tighten up your finances.

A recent study showed that most drivers in Indiana have remained with the same car insurance company for well over three years, and just under half have never compared rate quotes at all. Drivers in the United States can cut their rates by nearly $850 a year, but they mistakenly think it's difficult to shop around. Numerous car insurance companies battle for your business, and it can be difficult to compare rates and get the best coverage at the best price available on Ford Focus insurance in Indianapolis.

Lowering your insurance rates can be quick and easy. Consumers just need to take time to compare rate quotes to find out which insurance company has the cheapest Ford Focus rate quotes.

Getting free rate quotes online is quite simple, and it replaces the need to waste gas driving to and from local insurance agencies. Quoting and buying Ford Focus insurance online eliminates the need for an insurance agent unless you have a need for the advice and guidance that you can only get from talking to an agent. It is possible to comparison shop your insurance online but buy the policy through an agent.

The companies shown below have been selected to offer comparison quotes in Indiana. If more than one company is shown, we recommend you visit two to three different companies to get a more complete price comparison.

Ford Focus Insurance Price Estimates in Indianapolis, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $164 $370 $270 $16 $80 $900 $75
Focus SE 4-Dr Sedan $204 $428 $286 $16 $86 $1,020 $85
Focus SEL 4-Dr Sedan $140 $320 $290 $18 $86 $854 $71
Focus SES 4-Dr Sedan $184 $422 $286 $16 $86 $994 $83
Focus SE 2-Dr Coupe $236 $592 $384 $22 $114 $1,348 $112
Focus SES 2-Dr Coupe $148 $334 $428 $26 $128 $1,064 $89
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Indiana minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Estimates do not factor in specific location information which can increase or decrease price quotes considerably.

Irresponsible driving raises your rates

The illustration below illustrates how violations and at-fault collisions influence Ford Focus insurance costs for each different age group. The premiums assume a married female driver, full physical damage coverage, $500 deductibles, and no other discounts are factored in.

Ford Focus liability rates compared to full coverage

The illustration below visualizes the comparison of Ford Focus insurance prices with and without physical damage coverage. The rate quotes are based on no violations or accidents, $500 deductibles, single male driver, and no other discounts are factored in.

When to switch to liability coverage only

There is no exact rule that is best for determining when to drop physical damage coverage, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is more than 10% of the settlement you would receive from your company, then it might be time to consider dropping full coverage.

For example, let's assume your Ford Focus claim settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, you would only receive $5,000 after paying your policy deductible. If you are currently paying more than $500 annually to have full coverage, then you may need to consider dropping full coverage.

There are some circumstances where dropping physical damage coverage is not a good plan. If you have an outstanding loan on your vehicle, you have to keep full coverage to protect the lienholder's interest. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should not remove full coverage.

Higher deductibles lower rates

When buying car insurance, a common question is where should you set your physical damage deductibles. The following insurance rates can help you understand the differences in premium rates when you choose different insurance deductibles. The first rate comparisons uses a $100 physical damage deductible and the second set of rates uses a $1,000 deductible.

Ford Focus insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $210 $436 $280 $16 $84 $1,051 $88
Focus SE 4-Dr Sedan $210 $436 $280 $16 $84 $1,051 $88
Focus SEL 4-Dr Sedan $210 $514 $280 $16 $84 $1,129 $94
Focus SES 4-Dr Sedan $210 $514 $280 $16 $84 $1,129 $94
Focus SE 2-Dr Coupe $242 $514 $318 $18 $94 $1,211 $101
Focus SES 2-Dr Coupe $242 $514 $318 $18 $94 $1,211 $101
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Ford Focus insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $116 $230 $280 $16 $84 $726 $61
Focus SE 4-Dr Sedan $116 $230 $280 $16 $84 $726 $61
Focus SEL 4-Dr Sedan $116 $270 $280 $16 $84 $766 $64
Focus SES 4-Dr Sedan $116 $270 $280 $16 $84 $766 $64
Focus SE 2-Dr Coupe $134 $270 $318 $18 $94 $834 $70
Focus SES 2-Dr Coupe $134 $270 $318 $18 $94 $834 $70
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Price information does not factor in specific garaging location which can modify auto insurance rates considerably.

Based on the figures above, using a $100 deductible will cost in the ballpark of $29 more each month or $348 annually than buying the higher $1,000 deductible. Because you would be required to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you have at a minimum 31 months between claim filings, you would probably come out ahead if you choose the higher deductible.

Indianapolis car insurance discounts

Insurance can be prohibitively expensive, but there's a good chance there are discounts that you may not know about. Some trigger automatically when you purchase, but a few must be manually applied before they will apply.Cheaper car insurance with discounts

We need to note that some credits don't apply to your bottom line cost. Most only cut the price of certain insurance coverages like liability and collision coverage. If you do the math and it seems like you can get free auto insurance, it's just not the way it works. But all discounts will definitely lower your policy cost.

A list of car insurance companies and a partial list of their discounts are shown below.

It's a good idea to ask every company to apply every possible discount. A few discounts may not apply to policies in Indianapolis. If you would like to see a list of insurers who offer car insurance discounts in Indianapolis, follow this link.

Six Things That Determine Your Insurance Rates

Lots of factors are used in the calculation when premium rates are determined. Some factors are common sense such as your driving history, although others are more obscure like your continuous coverage or your financial responsibility. An important part of buying insurance is that you know the rating factors that come into play when calculating your premiums. If you know what impacts premium levels, this allows you to make educated decisions that can help you get lower rates.

Insurance agents can help

Some people prefer to get advice from a local agent and there is nothing wrong with that. Licensed agents will help you protect your assets and help in the event of a claim. The biggest benefit of price shopping on the web is that you can obtain the lowest rates and still have an agent to talk to.

Insurance agents in IndianapolisOnce you complete this form (opens in new window), your insurance data is transmitted to companies in Indianapolis that provide free Indianapolis car insurance quotes and help you find cheaper coverage. You never need to find an agent on your own because prices are sent straight to your inbox. If you need to compare prices from a particular provider, don't hesitate to search and find their rate quote page to submit a rate quote request.

Choosing the best provider requires you to look at more than just the bottom line cost. Here are some questions you should ask.

When narrowing the list to find a local Indianapolis insurance agent, it's important to understand the different types of agencies and how they can write your policy. Insurance agencies in Indianapolis can be classified as either independent agents or exclusive agents. Both types of agents can do a good job, but it's worth mentioning the differences because it can influence buying decisions.

Exclusive Agencies

These type of agents can only provide pricing for a single company like Allstate and State Farm. Exclusive agencies are unable to provide rate quotes from other companies so they have no alternatives for high prices. Exclusive agents receive extensive training on what they offer which helps them compete with independent agents.

Shown below is a short list of exclusive insurance agencies in Indianapolis who can help you get price quote information.

7035 E 96th St Suite S-2 - Indianapolis, IN 46250 - (317) 897-1900 - View Map

6437 Rucker Rd b - Indianapolis, IN 46220 - (317) 253-4300 - View Map

3837 N High School Rd Suite 10 - Indianapolis, IN 46254 - (317) 216-0932 - View Map

More Indianapolis agents

Independent Insurance Agents

Agents in the independent channel often have many company appointments and that gives them the ability to insure with an assortment of companies and find you cheaper rates. To transfer your coverage to a different company, your agent can switch companies and the insured can keep the same agent.

When searching for an agent, you absolutely need to include price quotes from multiple independent agents to get the best comparison.

Listed below are Indianapolis independent insurance agents that can give you price quotes.

2929 E 96th St Suite A. - Indianapolis, IN 46240 - (317) 844-3049 - View Map

6316 W Thompson Rd - Indianapolis, IN 46221 - (317) 856-4550 - View Map

N Alabama St #350 - Indianapolis, IN 46204 - (317) 572-8080 - View Map

More Indianapolis agents

Car insurance ads are enticing

Consumers in Indiana can't avoid all the ads for car insurance savings by companies like Progressive, Allstate and GEICO. They all seem to say the same thing about savings just by switching your policy.

It sounds good, but how can they all make almost identical claims? It's all in the numbers.

Most companies are able to cherry pick for a prospective insured that earns them the highest profit. A good example of a profitable risk profile may be between 25 and 40, has had continuous coverage, and drives less than 5,000 miles a year. Any person who matches that profile is entitled to the best price and therefore will save when they switch companies.

Consumers who don't measure up to those criteria will have to pay higher premiums which translates to business going elsewhere. The ad wording is "customers that switch" but not "all drivers who get quotes" save that kind of money. That's why companies can truthfully advertise the way they do. This really emphasizes why you should do a rate comparison at every renewal. You cannot predict which insurance companies will give you lower rates than your current company.

Cheap coverage is out there

As you quote Indianapolis car insurance, make sure you don't skimp on critical coverages to save a buck or two. There are a lot of situations where an insured cut uninsured motorist or liability limits only to find out they didn't have enough coverage. Your goal is to buy the best coverage you can find at the best possible price but still have enough coverage for asset protection.

Lower-priced car insurance in Indianapolis can be sourced from both online companies and also from your neighborhood Indianapolis agents, so you need to shop Indianapolis car insurance with both to have the best rate selection. Some car insurance companies may not provide price quotes online and many times these regional carriers sell through independent agencies.

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