If you want to save money, the best way to get budget auto insurance rates is to start doing a yearly price comparison from companies who sell insurance in Irvine.
- Step 1: Try to understand how your policy works and the factors you can control to prevent rate increases. Many factors that drive up the price like multiple speeding tickets and an unacceptable credit rating can be remedied by making small lifestyle or driving habit changes. Keep reading for ideas to help reduce prices and find additional discounts.
- Step 2: Compare rates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give prices from one company like GEICO and Allstate, while independent agents can provide price quotes from multiple insurance companies.
- Step 3: Compare the new rate quotes to the price on your current policy to see if a cheaper price is available. If you find a better price and make a switch, verify that coverage does not lapse between policies.
One piece of advice is to try to use identical coverages on every price quote and and to get rate quotes from as many companies as feasibly possible. Doing this ensures an accurate price comparison and plenty of rates choose from.
It’s safe to conclude that auto insurance companies want to keep you from shopping around. Consumers who get price quotes annually will presumably buy a different policy because they have good chances of finding a lower-priced policy. A recent study showed that people who regularly shopped around saved an average of $70 a month as compared to drivers who never compared rates.
If finding the cheapest price for Ford Focus insurance is your ultimate target, then having some insight into the best way to compare insurance premiums can help make the process easier.
If you have coverage now or just want to save money, use these cost-cutting techniques to lower your rates without reducing protection. The intent of this article is to introduce you to the best way to buy inexpensive auto insurance. Drivers just need to know how to compare company rates from many different companies.
Getting a more affordable price on insurance is actually easier than you may think. Drivers just need to spend a few minutes to compare rates from different insurance companies.
The companies shown below provide free rate quotes in California. To locate the best auto insurance in Irvine, CA, we suggest you click on several of them to get the lowest price.
Affordable Irvine auto insurance quotes with discounts
Auto insurance companies do not list all possible discounts in a way that’s easy to find, so below is a list a few of the more common as well as some of the hidden discounts that you may qualify for.
- Discounts for Responsible Drivers – Safe drivers may save up to 50% more than drivers with accident claims.
- Service Members Pay Less – Having an actively deployed family member could be rewarded with lower auto insurance rates.
- Save with a New Car – Adding a new car to your policy may earn a small discount compared to insuring an older model.
- Government Employee Discount – Employees or retirees of the government may qualify for a discount when you quote Irvine car insurance with a few auto insurance companies.
- Policy Bundle Discount – When you have multiple policies with one insurance company you may save at least 10% off all policies.
- Discount for Passive Restraints – Vehicles equipped with air bags or automatic seat belts may earn rate discounts as much as 30%.
Consumers should know that most discount credits are not given to the whole policy. A few only apply to specific coverage prices like liability and collision coverage. Despite the fact that it seems like adding up those discounts means a free policy, auto insurance companies aren’t that generous.
The diagram below shows the comparison of Ford Focus premium costs with and without discounts applied to the rates. The price estimates are based on a female driver, no claims or driving violations, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, multi-car, homeowner, safe-driver, and claim-free discounts applied.
A list of auto insurance companies and some of the discounts are included below.
- The Hartford discounts include driver training, bundle, good student, air bag, defensive driver, anti-theft, and vehicle fuel type.
- American Family includes discounts for accident-free, early bird, multi-vehicle, air bags, good student, and TimeAway discount.
- Progressive may include discounts for online quote discount, homeowner, multi-vehicle, good student, and online signing.
- Travelers may have discounts that include continuous insurance, multi-policy, good student, hybrid/electric vehicle, and driver training.
- Farmers Insurance policyholders can earn discounts including youthful driver, switch companies, business and professional, good student, and alternative fuel.
- USAA has discounts for annual mileage, defensive driver, good student, multi-policy, driver training, military installation, and family discount.
- Liberty Mutual may offer discounts for multi-policy, new graduate, teen driver discount, new move discount, good student, and hybrid vehicle.
Double check with every insurance company which discounts you qualify for. Some discounts listed above might not apply everywhere. To view companies who offer online Ford Focus insurance quotes in Irvine, follow this link.
Statistics and details
The rate table shown next covers different insurance costs for Ford Focus models. Having knowledge of how auto insurance prices are formulated can help you make informed decisions when comparing rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Focus S 4-Dr Sedan | $284 | $672 | $500 | $30 | $150 | $1,636 | $136 |
| Focus SE 4-Dr Sedan | $284 | $672 | $500 | $30 | $150 | $1,636 | $136 |
| Focus SEL 4-Dr Sedan | $284 | $792 | $500 | $30 | $150 | $1,756 | $146 |
| Focus SES 4-Dr Sedan | $284 | $792 | $500 | $30 | $150 | $1,756 | $146 |
| Focus SE 2-Dr Coupe | $326 | $792 | $564 | $34 | $168 | $1,884 | $157 |
| Focus SES 2-Dr Coupe | $326 | $792 | $564 | $34 | $168 | $1,884 | $157 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Price estimates do not factor in zip code location which can raise or lower rates substantially.
Higher deductibles lower rates
One of the most common car insurance questions is what deductibles to buy. The data tables below can help you visualize the costs and benefits of buying low and high physical damage coverage deductibles. The first rate table uses a $100 deductible for comp and collision and the second rate chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Focus S 4-Dr Sedan | $332 | $686 | $442 | $26 | $132 | $1,643 | $137 |
| Focus SE 4-Dr Sedan | $332 | $686 | $442 | $26 | $132 | $1,643 | $137 |
| Focus SEL 4-Dr Sedan | $332 | $810 | $442 | $26 | $132 | $1,767 | $147 |
| Focus SES 4-Dr Sedan | $332 | $810 | $442 | $26 | $132 | $1,767 | $147 |
| Focus SE 2-Dr Coupe | $380 | $810 | $500 | $30 | $150 | $1,895 | $158 |
| Focus SES 2-Dr Coupe | $380 | $810 | $500 | $30 | $150 | $1,895 | $158 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Focus S 4-Dr Sedan | $242 | $464 | $442 | $26 | $132 | $1,306 | $109 |
| Focus SE 4-Dr Sedan | $242 | $464 | $442 | $26 | $132 | $1,306 | $109 |
| Focus SEL 4-Dr Sedan | $242 | $546 | $442 | $26 | $132 | $1,388 | $116 |
| Focus SES 4-Dr Sedan | $242 | $546 | $442 | $26 | $132 | $1,388 | $116 |
| Focus SE 2-Dr Coupe | $278 | $546 | $500 | $30 | $150 | $1,504 | $125 |
| Focus SES 2-Dr Coupe | $278 | $546 | $500 | $30 | $150 | $1,504 | $125 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Table data does not factor in specific zip code location which can decrease or increase premiums considerably.
Based on the figures above, using a $100 deductible costs about $30 more each month or $360 every year averaged for all Focus models than buying the higher $500 deductible. Because you would be required to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you have more than 13 months between claims, you would save more money if you choose the higher deductible. The illustration below shows how you can perform this determination yourself.
| Average monthly premium for $100 deductibles: | $147 |
| Average monthly premium for $500 deductibles (subtract): | – $117 |
| Monthly savings from raising deductible: | $30 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $30 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 13 months |
Difference between liability only and full coverage rates
The chart below compares Ford Focus auto insurance rates with full physical damage coverage compared to only buying liability only. The information is based on no claims or driving citations, $250 deductibles, drivers are single, and no additional discounts are factored in.
Should you pay for full coverage or liability only?
There is no set rule to delete comp and collision coverage, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then it may be the right time to buy liability only.
For example, let’s assume your Ford Focus replacement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would get paid by your company is $3,000 after you pay the deductible. If you are paying more than $300 a year for your policy with full coverage, then you might consider buying liability only.
There are some circumstances where dropping physical damage coverage is not recommended. If you haven’t satisfied your loan, you have to keep full coverage as part of the loan requirements. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should keep full coverage.
How to find a good Irvine car insurance company
Buying coverage from a good quality car insurance provider can be difficult considering how many companies are available to choose from in California. The information displayed below can help you decide which providers you want to consider purchasing coverage from.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
How You Can Control Ford Focus Insurance Costs
Many things are taken into consideration when pricing auto insurance. Some are obvious like your driving record, but other criteria are less obvious such as your marital status or how safe your car is.
The factors shown below are a few of the things used by insurance companies to determine your rate level.
-
High premiums for youthful drivers – Youthful drivers in California tend to be easily distracted when at the wheel of a vehicle so they pay higher auto insurance rates. Older people are shown to be more cautious, cost insurance companies less in claims, and are safer drivers.
The chart below assumes a single driver, full coverage with $1000 deductibles, and no discounts or violations.
- Extra coverages that may not be needed – Insurance companies have many add-on coverages that you can get tricked into buying but may not be useful. Coverage for things like vanishing deductibles, towing coverage, and membership fees may not be needed and are just wasting money. The coverages may be enticing when discussing your needs, but your money might be better spent on other coverage so consider taking them off your policy.
- Allowing your auto insurance to lapse raises prices – Not having insurance can get you a ticket and auto insurance companies will penalize you for letting your insurance coverage expire. In addition to paying higher rates, being ticketed for driving with no insurance may result in fines and jail time.
- Your career may increase rates – Occupational choices like military personnel, executives, and miners generally pay the highest average rates attributed to intense work situations and incredibly demanding work hours. Other occupations like scientists, engineers and the unemployed receive lower rates.
-
Insurance loss data for a Ford Focus – Insurance companies use historical loss data to determine a rate that will be profitable for them. Vehicles that historically have high amounts or severity of claims will cost more for coverage.
The table below outlines the loss history for Ford Focus vehicles. For each coverage category, the statistical loss for all vehicles, without regard to make or model, is equal to 100. Percentage numbers below 100 indicate a favorable loss history, while numbers above 100 show a trend for more claims or an increased chance of larger losses than average.
Car Insurance Loss Data for Ford Focus Models Make and 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 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years