Compare Ford Focus Insurance Rate Quotes in Lexington

Insurance for Ford FocusReally, the only way to get the cheapest Ford Focus insurance is to compare quotes annually from insurance carriers that insure vehicles in Lexington.

  1. Try to comprehend auto insurance and the factors you can control to keep rates in check. Many rating criteria that increase rates such as traffic tickets, fender benders, and poor credit history can be remedied by paying attention to minor details. Later in this article we will cover additional tips to help prevent expensive coverage and find missing discounts.
  2. Quote rates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can give quotes from one company like Progressive or Allstate, while agents who are independent can provide rate quotes for a wide range of companies.
  3. Compare the new quotes to your existing rates and determine if there is any savings. If you can save money and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
  4. Provide proper notification to your current company to cancel your current policy and submit a down payment and signed policy application to the new company. Immediately upon receiving it, safely store the proof of insurance certificate with the vehicle registration.

An important bit of advice to remember is to compare identical limits and deductibles on each quote request and and to get rates from as many companies as you can. This guarantees the most accurate price comparison and the most accurate and complete price analysis.

It’s well known that car insurance companies want to keep you from shopping around. Drivers who shop for lower prices will, in all likelihood, switch companies because they have a good chance of finding coverage at a more affordable price. A study discovered that consumers who faithfully checked for cheaper rates saved approximately $865 annually compared to other drivers who never shopped around.

If finding the lowest price on Ford Focus insurance in Lexington is your target objective, then understanding how to find and compare car insurance can save time and money.

If you are insured now or just want to reduce your rates, use these money-saving tips to find the best rates and still get good coverage. Locating the most cost-effective auto insurance policy in Lexington is easy if you know what you’re doing. Comparison shoppers just have to understand the proper methods to compare price quotes from many companies at once.

The companies in the list below have been selected to offer free rate quotes in Kentucky. In order to find cheap car insurance in Kentucky, we suggest you visit several of them in order to get a fair rate comparison.

Ford Focus insurance coverage information

The premium table shown next showcases a range of coverage costs for Ford Focus models. Having knowledge of how premiums are established can be of help when making smart choices when selecting a coverage provider.

Ford Focus Insurance Rates in Lexington, KY
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $210 $498 $342 $20 $102 $1,172 $98
Focus SE 4-Dr Sedan $210 $498 $342 $20 $102 $1,172 $98
Focus SEL 4-Dr Sedan $210 $586 $342 $20 $102 $1,260 $105
Focus SES 4-Dr Sedan $210 $586 $342 $20 $102 $1,260 $105
Focus SE 2-Dr Coupe $242 $586 $388 $22 $116 $1,354 $113
Focus SES 2-Dr Coupe $242 $586 $388 $22 $116 $1,354 $113
Get Your Own Custom Quote Go

Data rating is based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Kentucky minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Rate quotes do not factor in specific zip code location which can impact prices greatly.

Drive responsibly or pay higher rates

The illustration below demonstrates how traffic citations and fender-benders can drive up Ford Focus insurance premiums for different categories of driver ages. The premiums are based on a single male driver, comp and collision included, $100 deductibles, and no other discounts are factored in.

Premiums by gender and age

The illustration below compares Ford Focus auto insurance costs for male and female drivers. Data assumes no tickets, no at-fault accidents, full coverage, $1,000 deductibles, drivers are not married, and no discounts are factored in.

Why do I need car insurance?

Despite the high insurance cost for a Ford Focus in Lexington, insurance is most likely required but also gives you several important benefits.

The benefits of carrying adequate insurance outweigh the cost, particularly if you ever have a claim. According to a survey of 1,000 drivers, the average driver is overpaying more than $830 a year so compare rates once a year at a minimum to be sure current rates are still competitive.

Learn How to Get Insurance Cheaper

The best way to find cheaper insurance is to take a look at some of the elements that come into play when calculating your insurance rates. When you know what positively or negatively controls the rates you pay, this enables informed choices that may result in lower insurance prices.

Kentucky car insurance companies ranked

Buying coverage from the right auto insurance provider can be difficult considering how many companies provide coverage in Kentucky. The rank data below can help you select which companies you want to consider when comparing rates.

Top 10 Lexington Car Insurance Companies Ranked by Value

  1. Travelers
  2. American Family
  3. AAA Insurance
  4. Safeco Insurance
  5. Progressive
  6. The Hartford
  7. Erie Insurance
  8. The General
  9. Esurance
  10. 21st Century

Top 10 Lexington Car Insurance Companies Ranked by Claims Service

  1. Travelers
  2. Allstate
  3. Nationwide
  4. State Farm
  5. GEICO
  6. Liberty Mutual
  7. American Family
  8. Esurance
  9. AAA Insurance
  10. The Hartford

In the end, you can save money

When you buy Lexington auto insurance online, do not reduce coverage to reduce premium. Too many times, an insured cut physical damage coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy the best coverage you can find at the best possible price while not skimping on critical coverages.

Cost effective Ford Focus insurance is attainable from both online companies and also from your neighborhood Lexington agents, so you need to shop Lexington auto insurance with both to have the best chance of lowering rates. Some companies may not provide the ability to get quotes online and many times these smaller companies prefer to sell through independent insurance agents.

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