Insurance rates Ford Focus in St. PetersburgDo you want to stop overpaying and find more competitive Ford Focus insurance in St. Petersburg? Did a good deal turn into an expensive insurance policy? You're preaching to the choir because many consumers are feeling buyer's remorse and feel like there's no way out.

A recent insurance study revealed that over 70% of consumers kept buying from the same company for four years or more, and practically 40% of insurance customers have never even shopped around for lower-cost coverage. The average driver in America could save up to $859 a year by just comparing rate quotes, but they don't invest the time required to find lower-cost rates by getting comparison quotes.

Companies like State Farm, Farmers Insurance, GEICO and Allstate constantly bombard you with catchy ads and it is difficult to ignore the propaganda and take the time to shop coverage around.

If you have a current insurance policy, you will most likely be able to get lower rates using the ideas you're about to read. Finding the cheapest insurance coverage in St. Petersburg is quite easy. But Florida consumers need to have an understanding of how the larger insurance companies calculate your insurance rates because it varies considerably.

Best companies for low-cost Ford Focus insurance in Florida

The providers in the list below are our best choices to provide comparison quotes in Florida. If you want the best auto insurance in Florida, we suggest you get price quotes from several of them to get the best price comparison.

Ford Focus Insurance Price Estimates in St. Petersburg, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $242 $532 $472 $28 $142 $1,416 $118
Focus SE 4-Dr Sedan $260 $438 $546 $32 $164 $1,440 $120
Focus SEL 4-Dr Sedan $220 $584 $542 $32 $162 $1,540 $128
Focus SES 4-Dr Sedan $276 $736 $504 $30 $152 $1,698 $142
Focus SE 2-Dr Coupe $252 $584 $612 $36 $184 $1,668 $139
Focus SES 2-Dr Coupe $254 $506 $480 $28 $144 $1,412 $118
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Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Rate information does not factor in garaging location in St. Petersburg which can alter premiums substantially.

Car insurance premiums based on gender

The example below compares Ford Focus insurance prices for male and female drivers. The data assumes no claims, a clean driving record, full physical damage coverage, $100 deductibles, drivers are not married, and no discounts are applied to the premium.

Where to set your deductibles

One of the hardest decisions when shopping for car insurance is how high should the physical damage deductibles be. The rates shown below determine the premium difference between low and high physical damage deductibles. The first data set uses a $100 comprehensive and collision deductible and the second set of rates uses a $1,000 deductible.

Ford Focus insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $312 $648 $418 $24 $124 $1,551 $129
Focus SE 4-Dr Sedan $312 $648 $418 $24 $124 $1,551 $129
Focus SEL 4-Dr Sedan $312 $764 $418 $24 $124 $1,667 $139
Focus SES 4-Dr Sedan $312 $764 $418 $24 $124 $1,667 $139
Focus SE 2-Dr Coupe $358 $764 $472 $28 $142 $1,789 $149
Focus SES 2-Dr Coupe $358 $764 $472 $28 $142 $1,789 $149
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Ford Focus insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $174 $342 $418 $24 $124 $1,082 $90
Focus SE 4-Dr Sedan $174 $342 $418 $24 $124 $1,082 $90
Focus SEL 4-Dr Sedan $174 $402 $418 $24 $124 $1,142 $95
Focus SES 4-Dr Sedan $174 $402 $418 $24 $124 $1,142 $95
Focus SE 2-Dr Coupe $200 $402 $472 $28 $142 $1,244 $104
Focus SES 2-Dr Coupe $200 $402 $472 $28 $142 $1,244 $104
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Information does not factor in zip code location which can decrease or increase prices significantly.

Based on the data above, we can derive that using a $100 deductible costs about $43 more each month or $516 each year than buying the higher $1,000 deductible. Since you would have to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you go at least 21 months between claim filings, you would most likely save money if you opt for a higher deductible.

Lower Your St. Petersburg Insurance Prices

Lots of things are used when you get your auto insurance bill. A few of the factors are predictable like your driving record, although some other factors are not as apparent such as your marital status or how safe your car is.

Shown below are a few of the "ingredients" companies use to determine your prices.

Discounts for cheap insurance rates

Companies offering auto insurance don't always advertise every discount they offer very clearly, so we break down some of the best known and the harder-to-find savings tricks you should be using when you buy St. Petersburg car insurance online.Insurance discounts

You can save money using discounts, but some credits don't apply to the entire policy premium. Most cut individual premiums such as comprehensive or collision. So despite the fact that it appears all those discounts means the company will pay you, insurance companies wouldn't stay in business.

Auto insurance companies that have most of the discounts above are:

When getting free St. Petersburg car insurance quotes, it's a good idea to all companies you are considering which discounts you qualify for. Some of the earlier mentioned discounts might not be offered on policies in St. Petersburg. To view providers with significant discounts in Florida, click this link.

Can't I compare prices from local St. Petersburg insurance agencies?

Many drivers prefer to buy from a local agent and doing so can bring peace of mind A good thing about comparing car insurance online is you may find lower auto insurance rates and still have an agent to talk to. Buying from and supporting local agencies is still important in St. Petersburg.

St. Petersburg insurance agentsAfter filling out this short form, your coverage information is instantly submitted to local insurance agents in St. Petersburg that provide free St. Petersburg car insurance quotes for your car insurance coverage. You don't have to find an agent on your own because prices are sent straight to your inbox. You can find lower rates and work with a local agent. If for some reason you want to get a rate quote for a specific company, just visit that company's website and complete a quote there.

If you're trying to find a reputable agency, it's helpful to know the different types of agents and how they are distinctly different. Car insurance agencies may be either independent or exclusive depending on the company they work for.

Independent Insurance Agents

Agents that choose to be independent are not required to write business for one company and that enables them to quote your coverage with any number of different companies and potentially find a lower price. To transfer your coverage to a different company, they simply move your policy to a different company and you don't have to switch agencies. When comparison shopping, you will definitely want to contact at least one independent agent for the best price selection.

Featured below is a list of independent insurance agents in St. Petersburg who may be able to give you competitive price quotes.


805 Executive Center Dr W - St. Petersburg, FL 33702 - (727) 456-1673 - View Map


5308 Gulfport Blvd S a - St. Petersburg, FL 33707 - (727) 209-8888 - View Map

Mr Auto Insurance of St Petersburg
6539 54th Ave N - St. Petersburg, FL 33709 - (727) 544-6606 - View Map

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Exclusive Insurance Agents

Exclusive agents have only one company to place business with like Farmers Insurance and State Farm. Exclusive agents are unable to provide prices from multiple companies so they are skilled at selling on more than just price. Exclusive insurance agents are trained well on what they offer which can be an advantage.

Listed below is a list of exclusive insurance agents in St. Petersburg that can give you rate quotes.


4853 34th St S - St. Petersburg, FL 33711 - (727) 866-0036 - View Map


1904 4th St N - St. Petersburg, FL 33704 - (727) 896-5195 - View Map


6393 Dr M.L.K. Jr St N #104 - St. Petersburg, FL 33702 - (727) 526-1966 - View Map

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Selecting an insurance agent requires more thought than just the quoted price. These are some questions your agent should answer.

One last thing to lower rates

Cost effective Ford Focus insurance is attainable on the web and with local St. Petersburg insurance agents, and you should be comparing both to have the best chance of lowering rates. Some insurance companies do not offer price quotes online and many times these regional carriers prefer to sell through independent agents.

When buying insurance coverage, don't be tempted to sacrifice coverage to reduce premiums. There have been many situations where someone dropped full coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy a smart amount of coverage for the lowest cost, but do not skimp to save money.

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