Cheapest Dallas Ford Focus Insurance

Car owners who are new to the process of shopping for insurance online could find locating cheaper Focus insurance is very challenging.

It’s an obvious conclusion that auto insurance companies don’t want their policyholders to compare prices. Insureds who compare rates at least once a year are inclined to switch to a new company because there is a great chance of finding a cheaper policy. A study showed that people who routinely compared quotes saved over $850 each year compared to drivers who didn’t regularly shop around.

If finding the cheapest price for auto insurance is your ultimate goal, then learning about how to shop for insurance rates can help make the process easier.

The quickest way to compare policy rates for Ford Focus insurance in Dallas is to know the fact most of the bigger providers participate in online systems to compare rate quotes. All you need to do is spend a couple of minutes providing details including if you went to college, driver details, how you use your vehicles, and whether you are married. Your rating data is instantly sent to many highly-rated insurers and they return rate quotes instantly.

If you would like to start a quote now, click here and enter your zip code.

The companies in the list below offer price comparisons in Dallas, TX. If several companies are displayed, we suggest you click on several of them to get the cheapest price.

Ford Focus detailed coverage information

The rate information shown next showcases estimates of prices for Ford Focus models. Having a better idea how premiums are established can help customers make informed decisions when comparing rates.

Cost estimates assume married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Price information does not factor in garaging location in Dallas which can lower or raise price quotes considerably.

Choosing deductibles

One common question asked by Dallas drivers is how high should the physical damage deductibles be. The following tables may help to conceptualize the differences in price when you buy lower versus higher physical damage coverage deductibles. The first price estimate table uses a $250 physical damage deductible and the second price grid uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Rates do not factor in garaging location in Dallas which can decrease or increase premiums significantly.

Using the data above, we can ascertain that using a $250 deductible costs an average of $15 more each month or $180 each year averaged for all Focus models than quoting the higher $500 deductible. Since you would have to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you normally go more than 17 months between claims, you would probably save some money if you elect the higher deductible.

How violations and accidents impact rates

The example below shows how violations and accidents can raise Ford Focus insurance premiums for each different age category. The premiums assume a married male driver, full physical damage coverage, $500 deductibles, and no policy discounts are applied.

Lower-cost Ford Focus insurance quotes in Dallas

Companies that sell car insurance don’t always advertise every discount they offer very well, so we researched a few of the more common in addition to some of the lesser obvious credits that may apply to you.

• One Accident Forgiven – This one isn’t a discount, but companies like GEICO, State Farm, and Progressive permit an accident without getting socked with a rate hike so long as you are claim-free for a specific time period.
• Seat Belts Save – Requiring all passengers to wear their seat belts can save a little on the premium charged for medical payments and/or PIP.
• Dallas Homeowners Discount – Just owning your own home can help you save on car insurance because of the fact that having a home is proof that your finances are in order.
• Student Discounts – This discount can save 20 to 25%. Earning this discount can benefit you well after school through age 25.
• Employee of Federal Government – Federal government employees can earn a discount up to 10% depending on your car insurance provider.
• Air Bags and Passive Restraints – Vehicles equipped with air bags or motorized seat belts can get savings of 20% or more.
• Payment Discounts – If you pay your bill all at once as opposed to paying monthly you may have a lower total premium amount.

Consumers should know that many deductions do not apply to the entire cost. Most only apply to the cost of specific coverages such as medical payments or collision. Even though the math looks like you could get a free car insurance policy, companies don’t profit that way. But all discounts should help lower your policy premium.

The illustration below shows the difference between Ford Focus yearly insurance costs with and without discounts applied to the policy premium. The premiums are based on a female driver, no claims or driving violations, Texas state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, claim-free, marriage, multi-car, and multi-policy discounts applied.

Some of the larger companies that possibly offer many of the previously listed discounts include:

• GEICO
• Mercury Insurance
• Farmers Insurance
• Auto-Owners Insurance
• Liberty Mutual
• SAFECO
• Progressive
• USAA

Double check with every prospective company to give you their best rates. Some of the earlier mentioned discounts may not apply in your state. To find providers who offer discounts in Texas, follow this link.

Car insurance is not optional but you don’t have to overpay

Despite the high cost of buying insurance for a Ford Focus in Dallas, insurance is required by state law in Texas and it also provides benefits you may not be aware of.

• Almost all states have minimum liability requirements which means you are required to carry a minimum amount of liability insurance if you want to drive legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If you have a loan on your Ford, almost every bank will force you to buy full coverage to guarantee loan repayment. If you do not keep the policy in force, the lender will be forced to insure your Ford at a much higher premium rate and force you to pay for the much more expensive policy.
• Car insurance preserves not only your vehicle but also your assets. It also can pay for most medical and hospital costs for yourself as well as anyone injured by you. Liability insurance also pays expenses related to your legal defense if someone files suit against you as the result of an accident. If your Ford gets damaged, collision and comprehensive (also known as other-than-collision) coverage will pay to have it repaired.

The benefits of buying car insurance greatly outweigh the cost, especially when you need to use it. An average driver in America is currently overpaying as much as $865 each year so shop around once a year at a minimum to ensure rates are inline.

Everyone needs different car insurance coverages

Always keep in mind that when comparing proper insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Your financial needs are unique.

For instance, these questions can help discover whether your personal situation would benefit from an agent’s advice.

• Is my Ford Focus covered for flood damage?
• Can good grades get a discount?
• Is a fancy paint job covered?
• Do I need higher collision deductibles?
• Why am I required to get a high-risk car insurance policy?
• Does my liability insurance cover pulling a trailer or camper?
• Should I file a claim if it’s only slightly more than my deductible?
• Should I have combined single limit or split liability limits?

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 a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Independent or exclusive auto insurance agents

A small number of people still like to go talk to an agent and that can be a smart move An additional benefit of comparing insurance prices online is that you can find the lowest rates and still buy from a local agent.

After completing this form (opens in new window), your coverage information gets sent to local insurance agents who will return price quotes for your coverage. There is no reason to do any legwork since price quotes are sent instantly to you. You’ll get the best rates AND an agent nearby. If you need to get a rate quote from a particular provider, feel free to go to their quote page and fill out their quote form.

Finding the right insurer needs to be determined by more than just the premium amount. The following questions are important to ask.

• Will they take your side in the event of a claim?
• Are there any discounts that you might be missing?
• Do they write coverage based solely on cost?
• Is there a 24/7 contact number?
• Do the companies they represent have a solid financial rating?
• Which insurance companies are they affiliated with?
• What insurance companies do they recommend if they are an independent agent?

Insurance agent types

If you want local Dallas agents, you should know the types of agencies that differ in how they can insure your vehicles. Car insurance agencies may be either exclusive agents or independent agents.

Exclusive Car Insurance Agencies

Agents in the exclusive channel are contracted to one company like Allstate and State Farm. They generally cannot compare rates from other companies so they have no alternatives for high prices. Exclusive insurance agents receive a lot of sales training on what they offer which helps them sell on service rather than price. A lot of people buy insurance from these agents mainly due to the prominent brand name rather than low price.

The following is a short list of exclusive insurance agents in Dallas that are able to give rate quotes.

• Carlos Luevano – State Farm Insurance Agent
  4444 W Illinois Ave #304 – Dallas, TX 75211 – (214) 337-8888 – View Map
• Richard Ramirez – State Farm Insurance Agent
  9400 N Central Expy #120 – Dallas, TX 75231 – (214) 320-3000 – View Map
• Phil Maxey – State Farm Insurance Agent
  17304 Preston Rd Ste 125 – Dallas, TX 75252 – (972) 233-2222 – View Map

View more agents

Independent Agents (or Brokers)

Independent agents are not employed by one company so they can insure your vehicles with an assortment of companies depending on which coverage is best. If premiums increase, an independent agent can move your coverage without you having to go to a different agency. When searching for an agent, you absolutely need to get insurance quotes from several independent agencies for maximum quote selection. They also have the ability to place coverage with additional companies that you may not be familiar with which can be an advantage.

Listed below are Dallas independent agents that are able to give price quotes.

• Oak Lawn Insurance
  5200 Lemmon Ave #105, Dallas, TX 75209, USA – TX 75209, TX USA – (214) 521-2212 – View Map
• La Familia Auto Insurance
  8702 Spring Valley Rd – Dallas, TX 75240 – (972) 586-7488 – View Map
• JME Insurance
  5495 Belt Line Rd #333 – Dallas, TX 75254 – (972) 245-0266 – View Map

View more agents

Insurance coverage considerations

Learning about specific coverages of your policy can be of help when determining which coverages you need and the correct deductibles and limits. Insurance terms can be ambiguous and nobody wants to actually read their policy.

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Focus.

Due to the fact that many Texas drivers have only the minimum liability required by law (30/60/25), it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision – This pays for damage to your Focus resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as backing into a parked car, driving through your garage door, sustaining damage from a pot hole and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible on your Focus in order to get cheaper collision rates.

Comprehensive protection – This covers damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as rock chips in glass, hitting a bird, a broken windshield and vandalism. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Medical expense coverage – Coverage for medical payments and/or PIP pay for expenses for X-ray expenses, dental work and EMT expenses. They can be utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to you and your occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and may carry a deductible

Liability – Liability insurance can cover injuries or damage you cause to a person or their property that is your fault. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 30/60/25 which means $30,000 in coverage for each person’s injuries, a per accident bodily injury limit of $60,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims like funeral expenses, attorney fees and medical services. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford. Texas requires drivers to carry at least 30/60/25 but it’s recommended drivers buy more coverage.

The next chart shows why minimum state limits may not be enough.