How long has it been since the last time you looked for the cheapest Ford Focus insurance in Boston? Having to pay for pricey Ford Focus insurance in Boston can eat up your personal savings and force you to make tough financial choices. Performing a rate comparison can help to lower your monthly bill.
A recent survey discovered that about 70% of customers have bought insurance from the same company for a minimum of four years, and virtually 40% of consumers have never even compared quotes to find lower-cost rates. Many drivers in America could save themselves nearly $860 a year by just shopping around, but they just don't understand the benefits if they changed companies.
With so many choices for buying affordable insurance for a Ford Focus in Boston, it's nearly impossible to choose the most affordable company.
When comparison shopping, getting more free quotes will improve the odds of getting lower pricing. Some regional insurers cannot provide online price quotes, so you need to compare prices on coverage from those companies, too.
The companies shown below provide free rate quotes in Massachusetts. If multiple companies are listed, it's a good idea that you get price quotes from several of them to get the best price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Focus S 4-Dr Sedan||$176||$396||$434||$26||$130||$1,162||$97|
|Focus SE 4-Dr Sedan||$228||$478||$344||$20||$104||$1,174||$98|
|Focus SEL 4-Dr Sedan||$158||$426||$378||$22||$114||$1,098||$92|
|Focus SES 4-Dr Sedan||$158||$406||$378||$22||$114||$1,078||$90|
|Focus SE 2-Dr Coupe||$138||$316||$396||$24||$118||$992||$83|
|Focus SES 2-Dr Coupe||$182||$322||$494||$30||$148||$1,176||$98|
|Get Your Own Custom Quote Go|
Data variables include single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Rate quotes do not factor in Boston location which can decrease or increase rates substantially.
Poor driving habits will raise your auto insurance rates
The example below illustrates how violations and accidents raise Ford Focus auto insurance rates for each different age category. The premiums assume a single female driver, comp and collision included, $500 deductibles, and no other discounts are factored in.
Liability only or full coverage
The information below examines Ford Focus insurance rates with liability coverage only compared to full coverage. The premium estimates are based on no claims or driving citations, $100 deductibles, married female driver, and no policy discounts are applied.
When to drop comprehensive and collision coverage
There is no specific rule for eliminating comp and collision coverage, but there is a guideline you can consider. If the annual cost of your full coverage insurance is 10% or more of any settlement you would receive from your insurance company, then it's probably a good time to buy liability coverage only.
For example, let's pretend your Ford Focus replacement cost is $7,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company will settle for is $6,000 after paying your deductible. If you are paying in excess of $600 annually for full coverage, then it might be time to buy liability only.
There are some circumstances where removing full coverage is not a good idea. If you haven't paid off your loan, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should not remove full coverage.
Can higher deductibles save money?
The information below highlights how deductible choice and can affect Ford Focus yearly insurance costs for different age groups. The rate quotes are based on a married male driver, full physical damage coverage, and no other discounts are factored in.
Insuring your vehicle just makes sense
Even though it can be expensive, paying for insurance is a good idea for several reasons.
First, most states have compulsory liability insurance requirements which means state laws require a specific minimum amount of liability protection if you don't want to risk a ticket. In Massachusetts these limits are 20/40/5 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if you bought your car with a loan, it's guaranteed your bank will require you to have physical damage coverage to guarantee payment of the loan. If you let the policy lapse, the bank or lender will purchase a policy for your Ford at a more expensive rate and force you to pay the higher premium.
Third, insurance protects both your assets and your vehicle. It will also cover medical bills for yourself as well as anyone injured by you. As part of your policy, liability insurance will also pay attorney fees if someone files suit against you as the result of an accident. If damage is caused by hail or an accident, comprehensive and/or collision insurance will pay to have it repaired.
The benefits of insuring your Focus definitely exceed the cost, especially if you ever need it. Unknowingly, the average driver is wasting up to $865 each year so smart consumers compare quotes once a year at a minimum to ensure rates are competitive.
Informed Consumers Save Every Year
Multiple criteria are used when you quote your car insurance policy. Some factors are common sense like a motor vehicle report, although others are less obvious such as your credit history or how safe your car is. An important part of buying insurance is that you know some of the factors that go into determining your insurance rates. When you understand what determines base rates, this enables you to make decisions that can earn you better insurance rates.
Insurance rates and age - Older people are shown to be more cautious, tend to cause fewer accidents, and receive fewer citations.Young drivers are known to be less responsible when behind the wheel and because of this, their insurance rates are much higher.
Compare rates if you bundle your policies - Most larger insurers will give discounts to policyholders who buy several policies from them such as combining an auto and homeowners policy. If you currently are using one company, consumers should still compare other company rates to guarantee you are still saving the most.There is a good possibility that you can save money even if you have your coverage with different companies
Your gender affects prices - Over time, data shows females are less aggressive when driving. Now that doesn't mean females are better drivers. They both are responsible for fender benders in similar percentages, but the male of the species tend to have more serious accidents. Not only that, but men also get ticketed for serious violations like DUI and reckless driving. Male teenagers are the most expensive to insure so they pay the highest premiums.
Incidental coverages you don't need - There are a lot of extra coverages that can waste your money on your insurance policy. Coverages like roadside assistance, accident forgiveness, and additional equipment coverage may be costing you every month. They may sound like good ideas at first, but now you might not need them so remove them from your policy.
Driving citations will cost you - Drivers who don't get tickets tend to pay less for car insurance compared to bad drivers. Having just one driving citation could increase your next policy renewal twenty percent or more. Drivers who have received severe citations such as reckless driving or DUI might be required by their state to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to legally drive a vehicle.
Increase comp and collision deductibles to save - Insurance for physical damage to your car, also called comprehensive and collision insurance, protects your Ford from damage. Some instances where coverage would apply would be a broken side mirror, vandalism, and burglary. Your deductibles are the amount of money you are required to spend out-of-pocket before your insurance pays a claim. The more you have to pay, the less money you will pay for insurance.
Annual mileage and car insurance costs - The higher the miles on your Ford in a year's time the higher the price you pay to insure it. Almost all companies charge to insure your cars based upon how much you drive. Cars used primarily for pleasure use receive better premium rates as compared to vehicles used primarily for driving to work. An incorrectly rated Focus may be costing you. Verify your declarations sheet properly reflects the correct driver usage.
Claims statistics for a Ford Focus - Auto insurance companies analyze past claim statistics to help determine rates. Models that historically have higher prevalence or dollar amount of losses will have higher rates.
The information below illustrates the insurance loss data for Ford Focus vehicles. For each coverage type, the claim probability for all vehicles, as a total average, is equal to 100. Numbers below 100 indicate better than average losses, while numbers that are greater than 100 point to more frequent losses or an increased chance of larger losses than average.
Ford Focus Insurance Loss Statistics
|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 from IIHS.org for 2013-2015 Model Years
Get discounts on Boston auto insurance
Insuring your vehicles can cost a lot, but there are discounts available to help offset the cost. Many discounts should be triggered when you purchase, but occasionally some discounts must be manually applied prior to receiving the credit.
- Save with a New Car - Insuring a vehicle that is new can save you some money because new model year vehicles keep occupants safer.
- Seat Belt Discounts - Requiring all passengers to use their safety belts can save a little on medical payment and PIP coverage.
- Discounts for Good Drivers - Insureds who avoid accidents can pay as much as 50% less than drivers with accident claims.
- Driver's Ed - Teen drivers should complete a driver education course in school or through a local driver safety program.
- Multiple Cars - Purchasing coverage when you have multiple cars with one company may reduce the rate for each vehicle.
It's important to understand that most credits do not apply to all coverage premiums. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. Even though the math looks like having all the discounts means you get insurance for free, you aren't that lucky.
Insurance companies that possibly offer most of the discounts above may include but are not limited to:
It's a good idea to ask every prospective company which discounts can lower your rates. Some of the discounts discussed earlier might not be available to policyholders in your area. To see companies who offer free Ford Focus insurance quotes in Boston, click this link.
Insurance agents can help
When quoting and comparing coverage for your personal vehicles, there isn't really a one size fits all plan. Each situation is unique and your policy should reflect that. For instance, these questions can help discover if your situation could use an agent's help.
- Should I file a claim if it's only slightly more than my deductible?
- Should I bundle my homeowners policy with my auto?
- Do I need to file an SR-22 for a DUI in Massachusetts?
- What discounts do I qualify for?
- How much can I save by bundling my policies?
- Do I have coverage if my license is suspended?
- Why is insurance for a teen driver so high in Boston?
- Do I need replacement cost coverage?
If you can't answer these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.
Neighborhood Boston auto insurance agents
Some consumers prefer to have an agent's advice and that can be a great decision A good thing about getting online price quotes is you can get lower rates and still choose a local agent. Supporting local insurance agencies is important particularly in Boston.
After completing this simple form, your information is immediately sent to local insurance agents in Boston who will give you bids and help you find cheaper coverage. You won't need to search for any insurance agencies because quoted prices will be sent straight to your inbox. It's the lowest rates and a licensed agent to work with. If you have a need to compare prices from a specific insurance provider, don't hesitate to find their quoting web page to submit a rate quote request.
When searching for a reliable insurance agency, it's helpful to know the types of agencies that you can choose from. Insurance agents in Boston can be categorized as either exclusive or independent (non-exclusive).
Independent Agencies or Brokers
Independent insurance agents can quote rates with many companies so they can insure your vehicles with multiple insurance companies and find you the best rates. If your premiums go up, the business is moved internally which makes it simple for you.
When comparing insurance prices, we recommend you get quotes from independent agents in order to have the best price comparison.
The following is a small list of independent insurance agencies in Boston that can give you cheap rate quotes.
Agents in the exclusive channel have only one company to place business with like Allstate, Farmers Insurance, State Farm, and AAA. These agents are not able to provide other company's prices so if the price isn't competitive there isn't much they can do. Exclusive agents are very knowledgeable on the products they sell which helps them sell on service rather than price.
Shown below are exclusive agencies in Boston willing to provide price quotes.
Selecting an auto insurance agent is decision based upon more than just a cheap price quote. Below are some questions you should ask.
- How many companies do they write for?
- How will an accident affect your rates?
- Where are claims handled?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- Who are their largest clients?
- Do they prorate repair cost based on vehicle mileage?
- Does the agent help file claims?
Cheaper auto insurance rates are out there
When buying insurance coverage, you should never buy less coverage just to save a little money. There have been many cases where consumers will sacrifice uninsured motorist or liability limits only to discover later that the small savings ended up costing them much more. Your strategy should be to buy the best coverage you can find at the best possible price, but do not sacrifice coverage to save money.
Budget-conscious Ford Focus insurance can be bought from both online companies and from local agencies, and you need to price shop both to have the best rate selection. Some auto insurance companies don't offer rate quotes online and many times these smaller providers only sell coverage through independent insurance agents.
We covered a lot of information how to get a better price on Ford Focus insurance in Boston. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. You may even be surprised to find that the best prices are with a small local company. They may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm and Allstate.
- Auto Insurance 101 (About.com)
- Who Has Affordable Massachusetts Car Insurance for Teenage Males? (FAQ)
- Who Has the Cheapest Car Insurance for Nurses in Massachusetts? (FAQ)
- What is the Cheapest Car Insurance in New Bedford, Massachusetts? (FAQ)
- Electronic Stability Control FAQ (iihs.org)
- Credit and Insurance Scores (Insurance Information Institute)
- Coverage Information (Progressive Insurance)
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)