Save Money on Ford Focus Insurance in Cincinnati

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Ford Focus insurance cost
Ford Focus insurance cost image courtesy of QuoteInspector.com

The best way we recommend to save on auto insurance rates in Cincinnati is to do an annual price comparison from insurers who sell auto insurance in Ohio.

  • First, spend some time learning about car insurance and the measures you can take to prevent high rates. Many factors that cause rate increases such as at-fault accidents and a not-so-good credit rating can be improved by making minor changes to your lifestyle.
  • Second, get rate quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give rate quotes from one company like GEICO or Allstate, while independent agents can quote rates for a wide range of companies.
  • Third, compare the new rate quotes to your current policy premium to determine if you can save on Focus insurance. If you can save money and make a switch, make sure there is no lapse between the expiration of your current policy and the new one.

A valuable tip to remember is to try to use the same level of coverage on every quote request and and to get rate quotes from as many auto insurance providers as possible. This guarantees an apples-to-apples comparison and maximum price selection.

Insurance quote for Ford Focus in CincinnatiIt's hard to believe, but almost 70% of insureds in Ohio have remained with the same insurance company for four years or more, and practically 40% of insurance customers have never compared rates from other carriers. American insurance shoppers could save themselves $859 a year by just shopping around, but they don't want to take the time to compare rates.

If you have a current auto insurance policy, you will definitely be able to find the best rates using these methods. This information will familiarize you with how car insurance companies work and how you can save the most money. But Ohio vehicle owners must understand how big insurance companies sell insurance online because it varies considerably.

Get cheaper Ford Focus insurance rates in Cincinnati

Companies that sell car insurance don't always list every discount in an easy-to-find place, so the list below gives a summary of some of the more common and also the more inconspicuous savings tricks you should be using when you buy Cincinnati car insurance online.

  • Passenger Safety Discount - Options like air bags or motorized seat belts can qualify for discounts up to 30%.
  • Employee of Federal Government - Simply working for the federal government could qualify for a slight premium decrease depending on your company.
  • Low Miles Discount - Keeping the miles down on your Ford could be rewarded with better premium rates on cars that stay parked.
  • Waiver for an Accident - Not necessarily a discount, but certain companies allow you one accident before your rates go up so long as you are claim-free before the accident.
  • Good Student - Performing well in school could provide a savings of up to 20% or more. This discount can apply until age 25.
  • Discounts for New Vehicles - Adding a new car to your policy can save up to 30% since newer vehicles are generally safer.

As is typical with insurance, most discounts do not apply to your bottom line cost. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though it appears all the discounts add up to a free policy, you won't be that lucky.

The diagram below illustrates the comparison of Ford Focus insurance premiums with and without some available policy discounts. Data assumes a female driver, no claims or violations, Ohio state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, homeowner, claim-free, multi-car, and multi-policy discounts applied.

A few popular companies and some of the discounts can be read below.

  • State Farm offers premium reductions for Drive Safe & Save, student away at school, defensive driving training, Steer Clear safe driver discount, multiple autos, good student, and accident-free.
  • Farmers Insurance may include discounts for distant student, early shopping, good student, alternative fuel, switch companies, teen driver, and youthful driver.
  • Progressive may offer discounts for good student, multi-policy, online signing, continuous coverage, homeowner, and multi-vehicle.
  • GEICO has savings for five-year accident-free, anti-lock brakes, military active duty, membership and employees, seat belt use, and air bags.
  • Auto-Owners Insurance offers discounts for safe driver, group or association, multi-policy, paperless, safe vehicle, and company car.
  • The Hartford discounts include anti-theft, defensive driver, vehicle fuel type, good student, air bag, driver training, and bundle.
  • Farm Bureau policyholders can earn discounts including multi-policy, driver training, 55 and retired, safe driver, good student, and youthful driver.
  • USAA offers discounts including annual mileage, new vehicle, loyalty savings, good student, family discount, and safe driver.

Double check with every prospective company which discounts can lower your rates. Some credits might not be offered on policies in your state.

The quickest method we recommend to compare rates for Ford Focus insurance in Cincinnati is to understand most insurance companies actually pay money for the chance to provide you with free rate quotes. The only thing you need to do is provide information including your education level, what your job is, whether you are married, and how old drivers are. That information is sent automatically to multiple companies and they return rate quotes within a short period of time.

To compare multiple company lower-cost Ford Focus insurance rates now, click here and see if a lower rate is available in Cincinnati.

The companies shown below are our best choices to provide price comparisons in Ohio. If multiple companies are listed, it's highly recommended you get rate quotes from several of them to get the most competitive price.

Ford Focus coverage analysis

The premium table below covers estimates of coverage prices for Ford Focus models. Having a good grasp of how auto insurance policy rates are calculated can help you make decisions on which coverage to buy.

Ford Focus Insurance Rates in Cincinnati, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $106 $246 $256 $16 $76 $700 $58
Focus SE 4-Dr Sedan $106 $246 $256 $16 $76 $700 $58
Focus SEL 4-Dr Sedan $106 $290 $256 $16 $76 $744 $62
Focus SES 4-Dr Sedan $106 $290 $256 $16 $76 $744 $62
Focus SE 2-Dr Coupe $122 $290 $290 $18 $86 $806 $67
Focus SES 2-Dr Coupe $122 $290 $290 $18 $86 $806 $67
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Rates do not factor in Cincinnati location which can decrease or increase insurance rates substantially.

Policy deductibles

One of the hardest decisions when shopping for car insurance is how low should you set your deductibles. The figures shown below illustrate the premium difference of buying low and high insurance deductibles. The first table uses a $100 deductible for comprehensive and collision coverage and the second price table uses a $500 deductible.

Ford Focus insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $170 $352 $226 $14 $68 $855 $71
Focus SE 4-Dr Sedan $170 $352 $226 $14 $68 $855 $71
Focus SEL 4-Dr Sedan $170 $416 $226 $14 $68 $919 $77
Focus SES 4-Dr Sedan $170 $416 $226 $14 $68 $919 $77
Focus SE 2-Dr Coupe $196 $416 $256 $16 $76 $985 $82
Focus SES 2-Dr Coupe $196 $416 $256 $16 $76 $985 $82
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Ford Focus insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $124 $238 $226 $14 $68 $670 $56
Focus SE 4-Dr Sedan $124 $238 $226 $14 $68 $670 $56
Focus SEL 4-Dr Sedan $124 $280 $226 $14 $68 $712 $59
Focus SES 4-Dr Sedan $124 $280 $226 $14 $68 $712 $59
Focus SE 2-Dr Coupe $142 $280 $256 $16 $76 $770 $64
Focus SES 2-Dr Coupe $142 $280 $256 $16 $76 $770 $64
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Rates do not factor in zip code location which can impact coverage prices significantly.

Based on this data, we can arrive at the conclusion that using a $100 deductible costs about $17 more each month or $204 for a full year than choosing the higher $500 deductible. Because you would pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you go at a minimum 24 months between claim filings, you would most likely save money if you opt for a higher deductible.

Tickets and at-fault accidents raise rates

The example below illustrates how traffic citations and accident claims increase Ford Focus annual premium costs for different age groups. Data assumes a single male driver, full physical damage coverage, $1,000 deductibles, and no discounts are taken into consideration.

Ford Focus liability rates compared to full coverage

The example below compares Ford Focus car insurance rates with and without full coverage. The data is based on no violations or claims, $1,000 deductibles, single status, and no discounts are taken into consideration.

Deciding between full coverage and liability only

There is no definitive formula to stop paying for comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is more than about 10% of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.

For example, let's say your Ford Focus claim settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, you would only receive $2,000 after paying your deductible. If premium cost is more than $200 annually to have full coverage, then it may be the right time to buy liability only.

There are some circumstances where only buying liability is not in your best interest. If you still have a loan on your vehicle, you have to maintain full coverage to protect the lienholder's interest. Also, if you don't have enough money to buy a different vehicle if your current one is damaged, you should keep full coverage on your policy.

Smart Buyers Can Reduce Insurance Rates

Many factors are part of the calculation when you quote your car insurance policy. Some factors are common sense such as traffic violations, although others are more transparent such as your credit history or how safe your car is. Smart consumers have a good feel for some of the elements that go into determining your policy premiums. If you have a feel for what positively or negatively impacts your premiums, this empowers consumers to make smart changes that will entitle you to lower premium levels.

The following are a few of the things utilized by car insurance companies to help set your prices.

  • What are your deductibles? - Coverage for physical damage, also known as collision and other-than-collision, covers your vehicle from damage. Examples of some claims that would be covered could be a dented fender, damage from fire, and rolling your vehicle. Physical damage deductibles are the amount of money you are willing to pay out-of-pocket if you file a covered claim. The more money the insured has to pay upfront, the lower your rates will be.
  • Big cities mean more claims - Being located in areas with lower population is a positive aspect when shopping for auto insurance. Urban drivers tend to have traffic congestion and much longer commute distances. Less people living in that area means fewer accidents and also fewer theft and vandalism claims.
  • Vehicles with better crash test results save money - Vehicles that have high safety ratings tend to have lower insurance rates. Highly rated vehicles result in less severe injuries and fewer injuries means lower claim amounts passed on to you as lower rates. If your Ford scored at minimum an "acceptable" rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • Does insurance cost more for men? - Statistics have proven that females take fewer risks when driving. That doesn't necessarily mean that men are WORSE drivers than women. Both genders cause fender benders in similar numbers, but the males get into accidents with more damage. Not only that, but men also get ticketed for serious violations like DUI and reckless driving.

    The illustration below compares Ford Focus insurance costs for male and female drivers. The information is based on no tickets, no at-fault accidents, full coverage, $100 deductibles, marital status is single, and no discounts are factored in.

  • Amount of liability coverage - A critical coverage on your policy, liability insurance kicks in when you are determined to be liable for physical damage or personal injury to other. Your liability coverage provides for a legal defense up to the limits shown on your policy. Liability is cheap when compared to the cost of physical damage coverage, so insureds should have plenty of protection for their assets.
  • Insurance loss statistics a Ford Focus - Insurance companies use statistical claims data when determining insurance rates. Vehicles that are shown to have a higher amount or frequency of claims will have higher premium rates.

    The next table illustrates the insurance loss data used by companies for Ford Focus vehicles. For each policy coverage type, the loss probability for all vehicles, regardless of manufacturer or model, is considered to be 100. Values that are 100 or less suggest a positive loss record, while values that are above 100 indicate frequent claims or an increased likelihood of larger losses.

    Ford Focus Insurance Claim Statistics
    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
    BETTER
    AVERAGE
    WORSE

    Empty fields indicate not enough data collected
    Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Local Cincinnati car insurance agents

Many people would prefer to buy from a local agent and that is OK! One of the benefits of comparing rate quotes online is you can get lower premium rates and also buy local.

Find insurance agent in CincinnatiFor easy comparison, once you complete this quick form, your coverage information is submitted to participating agents in Cincinnati who want to provide quotes for your insurance coverage. You won't even need to even leave your home since price quotes are sent to you directly. Get lower rates AND an agent nearby. If you want to get a rate quote for a specific company, you would need to find their quoting web page and fill out the quote form the provide.

Choosing an insurer requires you to look at more than just the bottom line cost. Get answers to these questions too.

  • How will an accident affect your rates?
  • Are they primarily personal or commercial lines agents in Cincinnati?
  • Where are claims handled?
  • Does the agency have a good rating with the Better Business Bureau?
  • Does the agency support the community they serve?
  • When do they do a full risk review?

The type of auto insurance agent you choose is important

When searching for a local Cincinnati insurance agent, there are two types of insurance agents that differ in how they can insure your vehicles. Insurance agencies in Cincinnati can be categorized as either exclusive agents or independent agents.

Exclusive Agents

Agents that elect to be exclusive work for only one company like American Family, State Farm, and Allstate. Exclusive agents cannot provide rate quotes from other companies so they really need to provide good service. Exclusive insurance agents are well trained on their products and sales techniques and that allows them to sell at a higher price point. Many people use the same exclusive agent partially due to the brand legacy and the convenience of having a single billing for all their coverages.

Shown below are exclusive agents in Cincinnati that can give you comparison quotes.

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Independent Insurance Agents

Agents in the independent channel do not work for one specific company so they have the ability to put coverage with an assortment of companies and find the cheapest car insurance rates. If they quote lower rates, your agent can just switch to a different company and you don't have to do anything. If you are trying to find cheaper rates, you should always contact a couple of independent agencies so that you have a good selection of quotes to compare. Most have the option of insuring with smaller regional carriers that many times have cheaper rates.

The following is a short list of independent agents in Cincinnati willing to provide rate quotes.

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After talking to the agent and getting good responses for all questions you ask in addition to an acceptable price estimate, it's possible that you found a car insurance agent that can be relied on to adequately provide car insurance.

Why you need to buy insurance

Despite the high cost, paying for insurance may not be optional for several reasons.

  • Just about all states have minimum liability requirements which means state laws require a specific level of liability protection in order to drive the car legally. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
  • If you took out a loan on your vehicle, it's guaranteed your bank will stipulate that you have full coverage to ensure they get paid if you total the vehicle. If you cancel or allow the policy to lapse, the bank or lender will purchase a policy for your Ford at a more expensive rate and force you to pay for the much more expensive policy.
  • Insurance safeguards not only your Ford Focus but also your assets. It will also pay for hospital and medical expenses for both you and anyone you injure as the result of an accident. Liability insurance, one of your policy coverages, also pays expenses related to your legal defense if someone files suit against you as the result of an accident. If you have damage to your Ford as the result of the weather or an accident, your insurance policy will pay all costs to repair after the deductible has been paid.

The benefits of insuring your Focus more than cancel out the cost, particularly for liability claims. The average driver in Ohio is currently overpaying as much as $855 a year so smart consumers compare quotes at every policy renewal to help ensure money is not being wasted.

Best car insurance company in Cincinnati

Buying coverage from the right company is difficult considering how many different companies there are to choose from in Cincinnati. The information shown next can help you pick which auto insurance companies you want to consider putting your business with.

Top 10 Cincinnati Car Insurance Companies Overall

  1. USAA
  2. 21st Century
  3. GEICO
  4. Nationwide
  5. AAA Insurance
  6. Liberty Mutual
  7. Safeco Insurance
  8. State Farm
  9. Travelers
  10. American Family

Do the work, save more money

Consumers change insurance companies for a number of reasons such as delays in responding to claim requests, high rates after DUI convictions, policy cancellation or questionable increases in premium. Regardless of your reason for switching companies, finding a new company is not as difficult as it may seem.

Some insurance companies may not offer the ability to get quotes online and these smaller companies only sell coverage through independent agents. Cost effective Ford Focus insurance can be purchased online in addition to many Cincinnati insurance agents, and you need to comparison shop both in order to have the best price selection to choose from.

You just read a lot of tips how to compare Ford Focus insurance prices in Cincinnati. The key concept to understand is the more companies you get rates for, the better chance you'll have of finding affordable Cincinnati car insurance quotes. Drivers may even discover the best prices are with the smaller companies.

Additional information can be read below: