Save Money on Ford Focus Insurance in Buffalo

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Ford Focus insurance cost
Ford Focus insurance cost image courtesy of QuoteInspector.com

It's hard to believe, but the majority of drivers have purchased from the same company for a minimum of four years, and about 40% of consumers have never even compared quotes to find cheaper rates. Buffalo drivers could save as much as 45% each year by just comparing rate quotes, but they underestimate how much money they would save if they changed companies.

Insurance for Ford FocusThe best way we recommend to find cheaper quotes for auto insurance rates is to do a yearly price comparison from insurance carriers who provide car insurance in Buffalo. You can shop around by completing these steps.

Step 1: Spend a few minutes and learn about what is in your policy and the things you can change to prevent expensive coverage. Many rating criteria that increase rates such as inattentive driving and a low credit rating can be rectified by making lifestyle changes or driving safer. This article provides the details to get affordable coverage and get bigger discounts that may have been overlooked.

Step 2: Request price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from a single company like Progressive or Allstate, while agents who are independent can quote prices from multiple sources.

Step 3: Compare the price quotes to your existing rates to see if a cheaper rate is available. If you can save money and make a switch, make sure there is no coverage gap between policies.

Step 4: Notify your company or agent of your intention to cancel your current policy and submit the completed application along with a down payment for your new coverage. Once the paperwork is finalized, safely store the certificate verifying coverage with your vehicle's registration.

An essential thing to point out is to try to use the same deductibles and limits on each price quote and and to get quotes from as many carriers as you can. Doing this guarantees a level playing field and the best rate selection.

All the larger insurance companies such as GEICO, State Farm and Progressive give price estimates from their websites. Getting Ford Focus insurance prices online is very simple as you simply type in your coverage information into the quote form. Once entered, the quote system collects information on your driving record and credit history and quotes a price determined by many factors. The ability to get online rates for Ford Focus insurance in Buffalo makes comparing rates easy, and it's very important to perform this step if you are searching for the lowest possible payments on insurance.

In order to find out how much you can save on insurance, compare rate quotes from the providers shown below. If you have a policy now, it's recommended you enter the coverages identical to your current policy. Doing this assures you will have an apples-to-apples comparison based on similar coverages.

The auto insurance companies shown below offer price comparisons in Buffalo, NY. If you wish to find cheap car insurance in Buffalo, we suggest you visit several of them to find the cheapest auto insurance rates.

Coverage information

The rate information displayed below showcases different insurance costs for Ford Focus models. Learning how insurance quotes are figured is important for making decisions when shopping your coverage around.

Ford Focus Insurance Rates in Buffalo, NY
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $110 $216 $264 $16 $80 $686 $57
Focus SE 4-Dr Sedan $110 $216 $264 $16 $80 $686 $57
Focus SEL 4-Dr Sedan $110 $256 $264 $16 $80 $726 $61
Focus SES 4-Dr Sedan $110 $256 $264 $16 $80 $726 $61
Focus SE 2-Dr Coupe $126 $256 $300 $18 $90 $790 $66
Focus SES 2-Dr Coupe $126 $256 $300 $18 $90 $790 $66
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and New York minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Rate information does not factor in specific garaging location which can modify coverage prices noticeably.

Higher deductibles lower rates

One frequently asked question is how high or low should comp and collision deductibles be. The comparison tables below illustrate how much more you'll pay between high and low insurance deductibles. The first rate quote example uses a $250 deductible for comprehensive and collision coverage and the second price chart uses a $500 deductible.

Ford Focus insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $178 $344 $264 $16 $80 $907 $76
Focus SE 4-Dr Sedan $178 $344 $264 $16 $80 $907 $76
Focus SEL 4-Dr Sedan $178 $406 $264 $16 $80 $969 $81
Focus SES 4-Dr Sedan $178 $406 $264 $16 $80 $969 $81
Focus SE 2-Dr Coupe $204 $406 $300 $18 $90 $1,043 $87
Focus SES 2-Dr Coupe $204 $406 $300 $18 $90 $1,043 $87
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Ford Focus insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $144 $278 $264 $16 $80 $782 $65
Focus SE 4-Dr Sedan $144 $278 $264 $16 $80 $782 $65
Focus SEL 4-Dr Sedan $144 $328 $264 $16 $80 $832 $69
Focus SES 4-Dr Sedan $144 $328 $264 $16 $80 $832 $69
Focus SE 2-Dr Coupe $166 $328 $300 $18 $90 $902 $75
Focus SES 2-Dr Coupe $166 $328 $300 $18 $90 $902 $75
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and New York minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Premium amounts do not factor in your specific Buffalo location which can lower or raise price quotes substantially.

Based on this data, we can arrive at the conclusion that using a $250 deductible costs about $11 more each month or $132 every year than quoting the higher $500 deductible. Since the policyholder would be required to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you go more than 23 months between claims, you would probably be better off if you elect the higher deductible.

How to calculate when to raise deductibles

Average monthly premium for $250 deductibles: $81
Average monthly premium for $500 deductibles (subtract): - $70
Monthly savings from raising deductible: $11
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $11
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 23 months

An important sidenote is that raising deductibles to save money results in more money out-of-pocket when you do file a claim. It will be required that you have some extra savings in order to pay more for the deductible.

Driving violations and accidents

The chart below highlights how traffic violations and at-fault collisions can increase Ford Focus insurance premiums for each different age group. Data assumes a married male driver, full physical damage coverage, $100 deductibles, and no discounts are factored in.

Cost comparison with and without full coverage

The example below shows the difference between Ford Focus insurance rates with and without physical damage coverage. The premium estimates are based on a clean driving record, no claims, $500 deductibles, drivers are not married, and no discounts are applied.

When to drop comprehensive and collision

There is no set rule for excluding comprehensive and collision coverage on your policy, but there is a broad guideline. If the yearly cost of full coverage is more than 10% of the settlement you would receive from your company, then you might want to think about dropping full coverage.

For example, let's assume your Ford Focus book value is $4,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company will settle for is $3,000 after paying your deductible. If you are paying more than $300 annually for your policy with full coverage, the it may be a good time to stop paying for full coverage.

There are some conditions where only buying liability is not a good plan. If you still owe a portion of the original loan, you are required to maintain full coverage as part of the loan conditions. Also, if you can't afford to buy a different vehicle in the even your car is totaled, you should not buy liability only.

Insurance does more than just repair your car

Despite the fact that insurance is not cheap in Buffalo, insurance may be required for several reasons.

  • Almost all states have minimum mandated liability insurance limits which means it is punishable by state law to not carry a minimum amount of liability insurance coverage if you drive a vehicle. In New York 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 your Ford Focus has a lienholder, almost all lenders will make it a condition of the loan that you buy full coverage to protect their interest in the vehicle. If you do not keep the policy in force, the lender may have to buy a policy to insure your Ford for a lot more money and force you to pay for the much more expensive policy.
  • Insurance protects your Ford and your assets. It will also cover medical bills for you, your passengers, and anyone else injured in an accident. Liability insurance also covers all legal expenses up to the policy limit if you are sued as the result of an accident. If damage is caused by hail or an accident, collision and comprehensive coverages will pay to restore your vehicle to like-new condition.

The benefits of buying enough insurance definitely exceed the price paid, particularly if you ever have a claim. According to a 2015 survey, the average American driver is currently overpaying as much as $830 a year so compare quotes from several companies once a year at a minimum to save money.

Why You Might Pay Increased Rates in Buffalo

Multiple criteria are part of the equation when you get your auto insurance bill. Some are obvious like an MVR report, although others are more obscure such as your marital status or your financial responsibility. One of the most helpful ways to save on auto insurance is to to have a grasp of the rating factors that are used to determine the price you pay for auto insurance. If you have some idea of what impacts premium levels, this enables you to make decisions that can help you get lower premium levels.

The following are some of the most common factors used by insurance companies to determine rates.

Your age impacts your prices - More experienced drivers tend to be more responsible, are lower risk to insure, and are generally more financially stable. Young drivers have a tendency to be less responsible in a vehicle and because of this, their auto insurance rates are much higher.

The following chart assumes a single driver, full coverage with $250 deductibles, and no discounts or violations.

Bundle policies and save - Most larger insurance companies allow a discount to people that buy multiple policies such as combining an auto and homeowners policy. The amount of the discounts can be 10 percent or more. Even if you qualify for this discount already, you may still want to shop around to confirm you are receiving the best rates possible. Consumers may save more without the discount by buying insurance from more than one company.

Is your vehicle theft-ready? - Buying a car with an alarm system can save you some money. Advanced theft deterrents like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping vehicle theft.

Consider raising physical damage deductibles - Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your Ford. Some examples of claims that would be covered would be a windshield shattered by a rock, collision with an animal, and rolling your vehicle. Comp and collision deductibles state the amount of money you are required to pay if you file a covered claim. The more money you are required to pay out-of-pocket, the less your company will charge you for insurance.

Long commutes cost more - The more you drive your Ford in a year the more it will cost to insure it. A lot of insurance companies charge rates based on how the vehicle is used. Vehicles left parked in the garage get more affordable rates than those used for commuting. An improperly rated Focus is throwing money out the window. It's always a good idea to double check that your declarations sheet states the proper vehicle usage.

The higher your credit rating the lower your prices - A driver's credit score is a big factor in determining premium rates. People with good credit tend to file fewer claims and have better driving records than drivers with bad credit. If your credit history is lower than you'd like, you could save money insuring your Ford Focus by improving your rating.

Where you live plays a part - Having an address in less populated areas can be a good thing when it comes to auto insurance. Less people means less chance of accidents. People in densely populated areas tend to have more aggressive driving styles and more severe claims. The longer drive time means more chance of being in an accident.

Loss statistics for a Ford Focus - Insurers use statistical claims data when they set coverage costs for each model. Models that the statistics show to have a trend towards higher claim severity or frequency will have higher rates for specific coverages.

The table below demonstrates the insurance loss data for Ford Focus vehicles. For each coverage category, the loss probability for all vehicles, as a total average, equals 100. Numbers that are below 100 suggest losses that are better than average, while numbers shown that are more than 100 indicate more frequent losses or an increased chance of a larger loss.

Ford Focus Insurance Loss Statistics
Specific Ford Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Ford Focus 106 98 90 103 109 111
Ford Focus Electric 87 85 66
BETTER
AVERAGE
WORSE

Empty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years

Cheaper insurance premiums are out there

Lower-priced insurance in Buffalo can be bought on the web and from local insurance agents, so you should compare both to have the best rate selection. Some insurance companies don't offer the ability to get a quote online and most of the time these regional carriers only sell coverage through independent agents.

We covered many ways to compare Ford Focus insurance prices in Buffalo. The key concept to understand is the more providers you compare, the better chance you'll have of finding low cost Buffalo auto insurance quotes. Drivers may even discover the lowest priced insurance comes from a small mutual company. These smaller insurers often have lower rates on specific markets as compared to the big name companies such as Allstate or State Farm.

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