Buying cheaper auto insurance for a Ford Focus is pretty simple for most people to do, but it is dependent upon a complex formula that considers things such as how you use your Focus, where your vehicle is garaged, and your policy deductibles. Wisconsin drivers pay around $677 per year for Focus insurance, but that figure is a projection using a 40-year-old married male driver with full coverage and $250 deductibles.
But there is a good chance that you’re not a 40-year-old male, possibly single instead of married, or maybe you want different physical damage deductibles. Just a very minor change in policy rating criteria or coverages may result in a big change in the amount insurance costs for a Ford Focus.
This demonstrates why the only way to find the cheapest insurance price for your Ford is to just compare rates yourself.
Your vehicle’s trim level will most likely have an effect on the cost of coverage, so the cost to insure a Focus S 4-Dr Sedan will be $114 less than the price to insure the higher-end Focus SES 2-Dr Coupe model, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Focus S 4-Dr Sedan||$140||$276||$236||$14||$70||$736||$61|
|Focus SE 4-Dr Sedan||$140||$276||$236||$14||$70||$736||$61|
|Focus SEL 4-Dr Sedan||$140||$324||$236||$14||$70||$784||$65|
|Focus SES 4-Dr Sedan||$140||$324||$236||$14||$70||$784||$65|
|Focus SE 2-Dr Coupe||$162||$324||$268||$16||$80||$850||$71|
|Focus SES 2-Dr Coupe||$162||$324||$268||$16||$80||$850||$71|
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Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Wisconsin minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Premium costs do not factor in garaging location in Milwaukee which can decrease or increase premiums substantially.
Choosing the best insurer can be a challenge considering how many companies there are to choose from in Wisconsin. The company rank data listed below could help you pick which providers you want to consider when buying insurance for a Ford Focus. The ratings below are only made up of large, nationwide insurance companies, so smaller regional companies will not be included in the list.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
The example below illustrates how choosing a deductible can raise or lower annual premium costs when quoting cheap insurance for a Ford Focus. The information is based on a married male driver, comprehensive and collision coverage, and no discounts are applied to the premium.
The chart above illustrates that a 40-year-old driver could save $184 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $278 by choosing a $1,000 deductible. Younger drivers, like the 20-year-old, could drop their prices $622 annually by using higher deductibles when buying full coverage.
When insureds make the decision to increase the deductibles on their policy, it is essential to have enough savings to be able to pay the extra out-of-pocket expense. That is the one drawback of using higher deductibles.
Last year’s bargain might be this year’s rip off
Milwaukee insurance rates are influenced by many factors that control the price of coverage. Improving your credit rating, adding a teenager to your policy, or getting into an accident can cause premium changes that may make certain companies affordable when they were higher priced.
Not only that, but insurers change rates as often as every quarter in order to offset underwriting gains or losses. An extended period of higher than normal claims can result in price increases, while profitable underwriting can result in cheaper Focus insurance rates.
For instance, the graph below shows the company with the cheapest car insurance in Milwaukee, WI for a 40-year-old male driver with a clear driving record, no claims, and good credit. If we estimate rates based on his personal risk profile, USAA may offer the best car insurance rates in Milwaukee at $906 each year. This is $255 less than the average rate paid by Wisconsin drivers of $1,161. Partners Mutual, Erie, Rockford Mutual, and Rural Mutual Insurance are the rest of the cheapest Milwaukee, WI auto insurance companies.
Let’s now give the driver from above a claim, less-than-perfect credit, and a stop sign violation. Since every insurance provider uses their own calculation to determine rates, comparing rates may now present a new list of the cheapest companies as shown below.
Integrity Mutual now has the cheapest rate in Milwaukee with Pekin Insurance, Western National, Travelers, and State Farm now being in the top five. This example shows why Milwaukee drivers need to do a thorough rate comparison to find the cheapest car insurance rates for a Ford Focus.
Insurance prices are determined by many factors and can decrease or increase without notice, so the cheapest option when you last compared rates may now be one of the more expensive options.
Tips to find budget-friendly insurance for a Ford Focus
Here are many penny-pinching ideas that can help drivers locate lower-cost car insurance.
- Buy safe vehicles
- Accidents can significantly increase rates
- Do not get traffic tickets
- Do not file small claims
- Increase your credit score
- Comparison shop frequently
That last piece of advice is particularly valuable, as was noted in the prior article. Coverage prices vary considerably, so drivers shouldn’t be reluctant to switch companies if a lower price can be found.
Brand loyalty is great, but it’s not recommended if that faithfulness ends up costing you thousands of dollars over the life of your policy. Take a couple minutes and compare prices and find cheaper auto insurance for a Ford Focus in Milwaukee.
The insurance agents in Milwaukee listed below are a good start to provide answers to your questions and help you determine which insurance coverage you need, as some drivers have questions and prefer to get some guidance when shopping around for cheaper insurance for a Ford Focus. It’s not always simple to find the cheapest rates, and a licensed agent can add peace of mind knowing you have enough coverage if you have a claim.
To find an agent close to where you live, click the button at the bottom of the list.
American Family Insurance – Michael L. Voss
332 N 76th St – Milwaukee, WI 53213 – (414) 257-2121
American Family Insurance – Lamar E. Dismuke
8201 W Capitol Dr – Milwaukee, WI 53222 – (414) 527-1925
American Family Insurance – Angelica Angel
5220 S 27th St – Milwaukee, WI 53221 – (414) 282-3600
American Family Insurance – James W Eve Agency LLC
6917 W Oklahoma Ave – Milwaukee, WI 53219 – (414) 546-2100
State Farm Insurance
2121 S Kinnickinnic Ave #7 – Milwaukee, WI 53207 – (414) 483-3300