Affordable Rate Quotes for Ford Focus Insurance in Irvine

Insurance for Ford FocusIf 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.

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.Auto insurance discounts

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.

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.

Ford Focus Insurance Rates in Irvine, CA
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
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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.

Ford Focus insurance rates with $100 deductibles
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
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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 $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
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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.

Top Car Insurance Companies in Irvine
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
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Data Source: 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.