Locating the most affordable Tampa Ford Focus insurance quotes may be challenging for drivers not familiar with online price comparisons. With a ridiculous number of companies, how are we expected to possibly compare the different rates to find the best pricing?
Amazingly, most insurance policyholders in Florida have bought insurance from the same company for at least the last four years, and almost 40% of drivers have never even compared quotes to find cheaper rates. Most drivers in America can cut their rates by almost 46.5% a year by just shopping around, but most undervalue the actual amount they would save if they switched to a more affordable policy.
It is always a good idea to do price comparisons once or twice a year due to the fact that insurance prices are rarely the same from one policy term to another. Even if you think you had the lowest rates on Ford Focus insurance in Tampa a few years ago there is a good chance you can find better rate quotes now. Ignore everything you know about insurance because you're about to learn the tricks you need to know to reduce your cost while increasing coverage.
Companies offering cheap Ford Focus price quotes in Tampa, FL
The companies shown below can provide free rate quotes in Tampa, FL. If multiple companies are listed, we recommend you visit several of them to find the most competitive car insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Focus S 4-Dr Sedan||$192||$420||$564||$34||$168||$1,378||$115|
|Focus SE 4-Dr Sedan||$150||$334||$472||$28||$142||$1,126||$94|
|Focus SEL 4-Dr Sedan||$240||$634||$392||$24||$118||$1,408||$117|
|Focus SES 4-Dr Sedan||$268||$748||$472||$28||$142||$1,658||$138|
|Focus SE 2-Dr Coupe||$154||$334||$444||$26||$132||$1,090||$91|
|Focus SES 2-Dr Coupe||$226||$506||$494||$30||$148||$1,404||$117|
|Get Your Own Custom Quote Go|
Data rating is based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Table data does not factor in specific location information which can revise insurance rates considerably.
Comparison of car insurance rates by gender
The example below shows the comparison of Ford Focus insurance rates for male and female drivers. The premiums assume a clean driving record, no at-fault accidents, comp and collision included, $1,000 deductibles, single marital status, and no discounts are applied.
Physical damage deductibles
The information below shows how different deductible levels and can raise or lower Ford Focus premium costs for each different age group. The prices are based on a single female driver, full coverage, and no other discounts are factored in.
Should you buy full coverage?
The example below shows the difference between Ford Focus insurance prices with full physical damage coverage compared to only buying liability only. The costs are based on a clean driving record, no at-fault accidents, $1,000 deductibles, single female driver, and no discounts are taken into consideration.
Guidelines for eliminating full coverage
There is no clear-cut formula of when to stop paying for physical damage insurance, but there is a broad guideline. If the yearly cost of comp and collision coverage is about 10% or more of the vehicle's replacement cost less your deductible, then you might want to consider buying only liability coverage.
For example, let's assume your Ford Focus replacement value is $3,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $2,000 after paying your policy deductible. If premium cost is more than $200 a year to have full coverage, then you may need to consider dropping full coverage.
There are some circumstances where dropping physical damage coverage is not advised. If you haven't satisfied your loan, you have to carry full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should not opt for liability only.
Discounts mean cheaper rates for Ford Focus insurance in Tampa
Auto insurance is expensive, but discounts can save money and there are some available that may help make it more affordable. Some discounts will apply when you purchase, but some must be requested specifically prior to getting the savings.
- College Student - College-age children who are enrolled in a college that is more than 100 miles from Tampa without a vehicle on campus can be insured at a reduced rate.
- Accident Free - Claim-free drivers can earn big discounts compared to drivers with a long claim history.
- Multi-car Discount - Drivers who insure multiple vehicles on one policy can get a discount for every vehicle.
- Driver's Ed - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class as it can save substantially.
- Theft Prevention Discount - Cars and trucks that have factory anti-theft systems are stolen less frequently and that can save you a little bit as well.
- Sign Early and Save - A few larger companies offer discounts for renewing your policy before your current coverage expires. It's a savings of about 10%.
You should keep in mind that some credits don't apply to the entire cost. Most only apply to individual premiums such as medical payments or collision. Despite the appearance that all the discounts add up to a free policy, companies wouldn't make money that way.
Some companies that possibly offer these discounts include:
Before you buy a policy, ask each company which credits you are entitled to. All car insurance discounts may not apply to policies in your state. If you would like to choose from a list of auto insurance companies with discount rates in Tampa, click here.
Reduce Insurance Rates with These Tips
One of the most helpful ways to save on car insurance is to to have a grasp of a few of the rating criteria that aid in calculating the rates you pay for car insurance. When consumers understand what determines premiums, this enables you to make decisions that may reward you with lower rates. Lots of things are part of the equation when pricing auto insurance. Some of the criteria are obvious such as your driving record, but others are more transparent like where you live and annual miles driven.
Deter theft and pay less - Owning a car with advanced anti-theft systems can get you a discount on your car insurance. Systems that thwart theives such as GM's OnStar, tamper alarm systems and vehicle immobilizers all help stop vehicle theft.
Performance impacts rates - The make and model of the vehicle you are trying to find cheaper insurance for makes a significant difference in your car insurance bill. The cheapest rates will generally be found on small economy passenger vehicles, but your final cost has many other factors. Since the Ford Focus is classified as a passenger car, insuring your vehicle will cost similar in price or lower compared to average rates in Tampa.
Better drivers pay better costs - Your driving citation history can have a huge impact on auto insurance premiums. Good drivers get better prices than bad drivers. Just one citation may increase your cost forty percent or more. Drivers who have received careless citations such as DUI or reckless driving may be required to prove financial responsibility to the state department of motor vehicles in order to prevent their license from being revoked.
Defend yourself with liability - The liability section of your policy will provide protection if ever a jury decides you are liable for damages caused by your negligence. Liability insurance provides you with a defense in court which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not skimp.
No coverage gaps is important - Having a lapse in insurance coverage is a fast way to increase your renewal premiums. In addition to paying higher rates, failure to provide proof of insurance might get you fines or a revoked license. You may then be required to submit proof of financial responsibility or a SR-22 with the Florida department of motor vehicles.
Cars with good safety ratings cost less to insure - Vehicles with good safety scores get lower rates. Vehicles built for safety reduce occupant injuries and reduced instances of injuries means lower claim amounts and more competitive rates for policyholders. If your Ford Focus earned at least an "acceptable" rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
More policies can equal more savings - The majority of car insurance companies will give better rates to customers that have more than one policy in the form of a multi-policy discount. Even if you qualify for this discount already, it's always a smart idea to shop around to confirm you are receiving the best rates possible.
Ford Focus claim probability - Insurers use data from past claims to calculate a rate that offsets possible losses. Vehicles that the data determines to have higher claim frequency or loss amount will cost more for coverage. The table below shows the historical insurance loss data for Ford Focus vehicles.
For each coverage category, the loss probablilty for all vehicles, regardless of manufacturer or model, is a value of 100. Numbers under 100 indicate better than average losses, while percentage values above 100 indicate a higher chance of having a claim or statistically larger claims.
Ford Focus Insurance Claim Statistics
|Vehicle Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Ford Focus Electric||87||85||66|
Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Auto insurance agents can help
Some consumers would prefer to have an agent's advice. A nice benefit of getting free rate quotes online is you may find cheap insurance rates and still buy from a local agent.
To make it easy to find an agent, after completing this short form, the quote information gets sent to agents in your area who will give you bids to get your business. There is no reason to leave your house because prices are sent to you directly. Get lower rates and a licensed agent to work with. If you want to quote rates for a specific company, just search and find their rate quote page and give them your coverage information.
Choosing an insurance company needs to be determined by more than just a cheap price. The answers to these questions are important, too.
- Will they make sure you get an adequate claim settlement?
- How much training do they have in personal risk management?
- What will you get paid if your car is a total loss? How is that amount determined?
- What insurance companies do they recommend if they are an independent agent?
- Is vehicle damage repaired with OEM or aftermarket parts?
The difference between Tampa auto insurance agents
If you want a reputable insurance agent or broker, you must know there are a couple different agency structures from which to choose. Insurance agents can be categorized as either independent agents or exclusive agents depending on their employer.
Agents that choose to be exclusive can usually just insure with one company like AAA, Allstate, State Farm, or Farmers Insurance. They usually cannot shop your coverage around so you might not find the best rates. They are highly trained on what they offer which can be an advantage. Some people will only choose to use a exclusive agent primarily because of the prominence of the brand rather than having low rates.
The following is a short list of exclusive agents in Tampa that are able to give price quote information.
- American Family Agencies
8501 N Florida Ave - Tampa, FL 33604 - (813) 930-0400 - View Map
- Mike Clamon - State Farm Insurance Agent
3816 S Dale Mabry Hwy - Tampa, FL 33611 - (813) 837-5421 - View Map
- Shirin Khorsandian - State Farm Insurance Agent
2734 E Fowler Ave, Ste A - Tampa, FL 33612 - (813) 971-6060 - View Map
Independent Insurance Agencies
These agents can sell policies from many different companies so they have the ability to put coverage with any number of different companies and potentially find a lower price. If your agent finds better pricing, the agent simply finds a different carrier and you can keep the same agent. If you are comparing insurance prices, we highly recommend that you check rates from multiple independent agents to have the most options to choose from. They often place coverage with smaller mutual companies which may provide better rates.
Below is a list of independent insurance agencies in Tampa willing to provide rate quotes.
- All Affordable Insurance Agency
7211 N Dale Mabry Hwy Suite 108 - Tampa, FL 33614 - (813) 935-5554 - View Map
- ABC Neighborhood Insurance
1336 W Fletcher Ave - Tampa, FL 33612 - (813) 932-0000 - View Map
- E J Ferro Insurance Agency
Tampa, FL 33647 - Tampa, FL 33647 - (813) 926-1515 - View Map
Save $440 a year. For real?
Insurance providers like State Farm and Allstate seem to constantly run ads on TV and radio. All the companies make the same claim that drivers will save a bundle if you change your policy. How is it plausible that every one can sell you cheaper insurance coverage? This is the way they can do it.
Insurance providers look for specific characteristics for the type of customer that is profitable for them. A good example of a profitable risk profile may be a mature driver, has few claims, and drives less than 5,000 miles a year. Anybody that matches those criteria will get the preferred car insurance rates in Tampa and will also save quite a bit of money when switching.
Consumers who fall short of this ideal profile must pay higher rates which usually ends up with the driver buying from a lower-cost company. The ads state "drivers that switch" but not "all drivers who get quotes" can get the lowest rates when switching. That's the way companies can make the claims of big savings. That is why it's extremely important to get price quotes at each policy renewal. It is just not possible to predict which company will have the best Ford Focus insurance in Tampa.
The best rates come from being thorough
As you prepare to switch companies, do not skimp on critical coverages to save a buck or two. There have been many cases where an insured cut liability coverage limits and learned later that they should have had better coverage. Your aim should be to buy the best coverage you can find at a price you can afford and still be able to protect your assets.
Cheap Ford Focus insurance in Tampa can be bought from both online companies and from local agencies, so you need to shop Tampa car insurance with both to have the best rate selection. Some insurance providers may not offer online rate quotes and these small insurance companies prefer to sell through local independent agents.
Drivers change insurance companies for a number of reasons such as high prices, denial of a claim, questionable increases in premium and even delays in paying claims. It doesn't matter what your reason, switching companies is actually quite simple.
For more information, link through to these articles:
- Top Signs Your Brakes are Giving Out (State Farm)
- Safety Tips for Teen Drivers (Insurance Information Institute)
- Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)
- Vehicle Size and Weight FAQ (iihs.org)
- Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)