Best Ways to Save on San Jose Ford Focus Insurance

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Insurance quote for Ford Focus in San JoseAre you tired of overpaying and want more affordable Ford Focus insurance in San Jose? Trying to find low-cost insurance for your Ford Focus in California could be an all-consuming task, but you can follow our insurance buying tips and make it easy.

There is a right way and a wrong way to find insurance online and you need to know the best way to compare rates for your Ford and find the best price possible.

You should take the time to quote other rates as often as possible because insurance rates are rarely the same from one policy term to another. Just because you had the best rate on Ford Focus insurance in San Jose at your last renewal the chances are good that you can find a lower price today. Block out anything you think you know about insurance because you're about to learn the easiest way to properly buy coverages and cut your premium.

Getting a low cost price on insurance is pretty simple and can save money. The only thing you need to do is take the time to compare rates provided by online insurance companies.

The companies shown below have been selected to offer comparison quotes in San Jose, CA. If the list has multiple companies, it's a good idea that you click on several of them in order to get a fair rate comparison.

Get cheaper Ford Focus insurance in San Jose with discounts

Some insurers don't list every possible discount very clearly, so the list below gives a summary of a few of the more well known in addition to some of the lesser obvious credits that you can use to lower your rates.Discount auto insurance

  • Life Insurance - Not every insurance company offers life insurance, but if they do you may earn a lower rate if you buy a life policy as well.
  • No Claim Discounts - Drivers with accident-free driving histories can save substantially in comparison with frequent claim filers.
  • Save over 55 - Seniors are able to get a small discount on rates.
  • Employee of Federal Government - Employees or retirees of the government could provide a small rate reduction with certain companies.
  • Professional Memberships - Being a member of specific professional or occupational memberships or organizations could qualify you for a break on your next renewal.
  • Drive Less and Save - Low annual miles can qualify you for lower auto insurance rates on the low mileage vehicles.
  • Telematics Data Discounts - San Jose drivers who agree to allow their company to monitor driving patterns through the use of a telematics system such as Allstate's Drivewise and State Farm's In-Drive system could see a rate decrease if their driving habits are good.
  • Discount for Home Ownership - Being a homeowner can save you money because owning a home is proof that your finances are in order.
  • Air Bag Discount - Cars that have air bags or automatic seat belts can qualify for discounts up to 30%.
  • Anti-lock Brake System - Cars with anti-lock braking systems can reduce accidents so companies give up to a 10% discount.

While discounts sound great, it's important to understand that most credits do not apply to all coverage premiums. Some only apply to specific coverage prices like liability, collision or medical payments. So even though you would think adding up those discounts means a free policy, companies don't profit that way. Any qualifying discounts will definitely reduce your auto insurance premiums.

The diagram below compares Ford Focus premium costs with and without discounts applied to the policy rates. Data assumes a male driver, no claims or violations, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, safe-driver, claim-free, marriage, and homeowner discounts applied.

Companies and a summarized list of policyholder discounts are:

  • Farmers Insurance policyholders can earn discounts including good student, switch companies, youthful driver, multi-car, and business and professional.
  • Esurance offers discounts including Pac-12 alumni, good driver, online quote, Switch & Save, DriveSense, and good student.
  • State Farm has discounts for defensive driving training, multiple autos, student away at school, safe vehicle, passive restraint, and good student.
  • GEICO may offer discounts for anti-theft, defensive driver, daytime running lights, membership and employees, and multi-vehicle.
  • Allstate discounts include eSmart discount, EZ pay plan discount, good student, senior citizen, and economy car.

If you need lower rates, check with each company which discounts you may be entitled to. Some credits may not be available in San Jose. To locate auto insurance companies who offer discounts in San Jose, click this link.

Statistics and details

The table displayed below highlights detailed analysis of coverage prices for Ford Focus models. Knowing how policy rates are figured can help drivers make smart choices when selecting a policy.

Ford Focus Insurance Rates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $368 $844 $596 $36 $178 $2,022 $169
Focus SE 4-Dr Sedan $368 $844 $596 $36 $178 $2,022 $169
Focus SEL 4-Dr Sedan $368 $996 $596 $36 $178 $2,174 $181
Focus SES 4-Dr Sedan $368 $996 $596 $36 $178 $2,174 $181
Focus SE 2-Dr Coupe $422 $996 $674 $40 $202 $2,334 $195
Focus SES 2-Dr Coupe $422 $996 $674 $40 $202 $2,334 $195
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Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Price information does not factor in specific zip code location which can increase or decrease insurance rates significantly.

Where to set your deductibles

A question often asked by San Jose drivers is how high should the physical damage coverage deductibles be. The tables below outline the differences in price of buying low and high policy deductibles. The first set of rates uses a $250 deductible for comp and collision and the second price table uses a $1,000 deductible.

Ford Focus insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $298 $576 $442 $26 $132 $1,499 $125
Focus SE 4-Dr Sedan $298 $576 $442 $26 $132 $1,499 $125
Focus SEL 4-Dr Sedan $298 $678 $442 $26 $132 $1,601 $133
Focus SES 4-Dr Sedan $298 $678 $442 $26 $132 $1,601 $133
Focus SE 2-Dr Coupe $342 $678 $500 $30 $150 $1,725 $144
Focus SES 2-Dr Coupe $342 $678 $500 $30 $150 $1,725 $144
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Ford Focus insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $184 $362 $442 $26 $132 $1,146 $96
Focus SE 4-Dr Sedan $184 $362 $442 $26 $132 $1,146 $96
Focus SEL 4-Dr Sedan $184 $426 $442 $26 $132 $1,210 $101
Focus SES 4-Dr Sedan $184 $426 $442 $26 $132 $1,210 $101
Focus SE 2-Dr Coupe $210 $426 $500 $30 $150 $1,316 $110
Focus SES 2-Dr Coupe $210 $426 $500 $30 $150 $1,316 $110
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Information does not factor in your specific San Jose location which can influence price quotes substantially.

Using the premium rates above, we can conclude that using a $250 deductible costs roughly $32 more each month or $384 every year averaged for all Focus models than selecting the higher $1,000 deductible. Because you would pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to have at least 23 months between claim filings, you would save money if you opt for a higher deductible.

Full coverage or liability only

The diagram below compares Ford Focus auto insurance costs with and without full coverage. The data assumes no tickets, no at-fault accidents, $100 deductibles, drivers are single, and no additional discounts are factored in.

When to drop comprehensive and collision

There isn't a written rule for excluding full coverage on your policy, but there is a general guideline you can use. If the annual cost of your full coverage insurance is 10% or more of replacement cost minus your deductible, then it might be time to consider dropping full coverage.

For example, let's pretend your Ford Focus replacement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would receive is $3,000 after paying your deductible. If you are paying in excess of $300 a year for physical damage coverage, then it might be time to buy liability only.

There are some scenarios where removing full coverage is not a good plan. If you still owe money on your vehicle, you have to keep full coverage as part of the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should not consider dropping full coverage.

Local neighborhood agents and insurance

Many people still prefer to buy from a licensed agent and that is not a bad decision Experienced insurance agents can point out coverage gaps and help you file claims. The biggest benefit of price shopping on the web is you may find the lowest rates and still have a local agent. Putting coverage with small agencies is definitely important in San Jose.

San Jose insurance agentsTo find an agent, once you fill out this short form, your coverage information gets sent to participating agents in San Jose that provide free San Jose auto insurance quotes and help you find cheaper coverage. It makes it easy because there is no need to do any legwork since rate quotes are delivered to your email. If you need to quote rates from a particular provider, you can always visit that company's website and fill out the quote form the provide.

Shown below is a short list of auto insurance companies in San Jose that are able to give price quotes for Ford Focus insurance in San Jose.

More San Jose agents

Choosing an provider should depend on more than just a cheap price quote. These are valid questions to ask:

  • Are there any discounts that you might be missing?
  • How many companies do they write for?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • Do they have 24-hour customer assistance?
  • How is replacement cost determined on your vehicle?
  • Does the agency have a current Errors and Omissions policy?

Do I need special coverages?

When quoting and comparing the right insurance coverage for your personal vehicles, there really is no cookie cutter policy. Everyone's situation is a little different so your insurance should reflect thatDrive safe and save Here are some questions about coverages that could help you determine whether your personal situation would benefit from professional advice.

  • Do I have coverage if my license is suspended?
  • What if a claim settlement is too low?
  • How long can I keep a teen driver on my policy?
  • Do I have coverage when making deliveries for my home business?
  • How can I get high-risk coverage after a DUI?
  • Will my Ford Focus be repaired with OEM or aftermarket parts?
  • Is my teen driver covered when they drive my company car?

If it's difficult to answer those questions but a few of them apply, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance companies in your area. It's fast, doesn't cost anything and can provide invaluable advice.

What Affects Ford Focus Insurance Premiums?

One of the most helpful ways to save on auto insurance is to to have a grasp of some of the factors that help calculate the rates you pay for auto insurance. If you have a feel for what positively or negatively impacts your premiums, this allows you to make educated decisions that may result in lower rates.

Raising coverage deductibles lowers prices - The deductibles define the amount you are willing to pay if a claim is determined to be covered. Physical damage protection, also known as collision and other-than-collision, protects your car from damage. Some examples of claims that would be covered would be a windshield broken by a bird, hail damage, and damage caused by road hazards. The larger the amount you are required to pay out-of-pocket, the less your auto insurance will be.

More policies can equal more savings - The majority of companies provide lower prices to people who consolidate policies with them such as combining an auto and homeowners policy. The discount can add up to as much as ten percent or more Even if you already get this discount, it's always a smart idea to comparison shop to confirm you are receiving the best rates possible.There is a good possibility that you can save more without the discount by buying from different companies

Your car's features help determine auto insurance rates - Purchasing a vehicle with a theft deterrent system can get you a discount on your auto insurance. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system can help prevent car theft and help bring rates down.

Better prices for being claim-free - If you file a lot of claims don't be surprised to see much higher rates or policy non-renewal. Car insurance companies in California give most affordable rates to drivers who do not rely on their insurance for small claims. Your insurance policy is designed for claims that pose a financial burden.

How much liability coverage - The liability section of your policy will protect you when you are ruled to be at fault for physical damage or personal injury to other. It will provide you with a defense in court which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so insureds should have plenty of protection for their assets.

Ford Focus insurance claim data - Insurance companies use historical loss data when determining insurance rates. Models that statistically have increased losses will have higher premium rates. The table below demonstrates the insurance loss data used by companies for Ford Focus vehicles.

For each coverage category, the statistical loss for all vehicles, regardless of make, model or trim level, is equal to 100. Numbers shown that are under 100 represent a good loss history, while values over 100 indicate frequent claims or an increased probability of a larger loss.

Ford Focus Insurance Claim Statistics
Vehicle 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

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

Auto insurance in California serves several purposes

Despite the high insurance cost for a Ford Focus in San Jose, auto insurance is required by state law in California and it also provides benefits you may not be aware of.

  • The majority of states have compulsory liability insurance requirements which means the state requires specific minimum amounts of liability coverage if you want to drive legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
  • If your vehicle has a loan, more than likely the lender will stipulate that you have full coverage to guarantee payment of the loan. If the policy lapses, the bank will be required to insure your Ford at an extremely high rate and force you to pay much more than you were paying before.
  • Auto insurance preserves your Ford and your assets. It also can pay for many types of medical costs for both you and anyone you injure as the result of an accident. Liability coverage will also pay attorney fees if you cause an accident and are sued. If you receive damage to your vehicle caused by a storm or accident, comprehensive and/or collision insurance will pay to have it repaired.

The benefits of insuring your car are without a doubt worth the cost, specifically if you ever have a liability claim. In a recent study of 1,000 drivers, the average customer is wasting up to $869 every year so it's very important to do a rate comparison at every policy renewal to help ensure money is not being wasted.

Persistence is the key to cheaper rates

When getting San Jose auto insurance quotes online, you should never buy poor coverage just to save money. There have been many situations where someone dropped uninsured motorist or liability limits only to find out that it was a big error on their part. Your focus should be to buy a smart amount of coverage at the best price, but do not sacrifice coverage to save money.

You just learned some good ideas how you can find cheaper Ford Focus insurance in San Jose. The most important thing to understand is the more companies you get car insurance rates for, the better likelihood of getting low cost San Jose auto insurance quotes. You may even be surprised to find that the biggest savings come from the least-expected company. These smaller insurers can often provide lower car insurance rates in certain areas than their larger competitors like Progressive and GEICO.

Cheaper insurance in San Jose is attainable online and with local San Jose insurance agents, and you need to comparison shop both to get a complete price analysis. A few companies may not have internet price quotes and many times these small insurance companies prefer to sell through independent agents.

How to buy lower priced Ford Focus insurance in San Jose

If you want to save money, the best way to find affordable quotes for Ford Focus insurance in San Jose is to compare prices regularly from insurers who provide car insurance in California. Drivers can shop around by completing these steps.

  • First, try to understand how insurance companies determine prices and the measures you can control to keep rates low. Many factors that cause rate increases such as at-fault accidents, careless driving, and a negative credit score can be controlled by making minor driving habit or lifestyle changes.
  • Second, get rate quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give prices from a single company like GEICO or State Farm, while independent agencies can provide price quotes from many different companies.
  • Third, compare the new rate quotes to your current policy to see if a cheaper price is available in San Jose. If you find a better price and decide to switch, make sure there is no coverage gap between policies.

The most important part of this process is to make sure you enter identical deductibles and limits on every quote request and and to get quotes from all possible companies. Doing this guarantees an accurate price comparison and a thorough selection of prices.

More detailed insurance information can be found by following these links: