Best Ways to Save on Virginia Beach Ford Focus Insurance

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Discount Ford Focus insuranceThe best way to get discount Ford Focus insurance in Virginia Beach is to regularly compare prices from insurers who sell insurance in Virginia. Price quotes can be compared by following these guidelines.

  1. Get an understanding of what coverages are included in your policy and the changes you can make to prevent expensive coverage. Many risk factors that cause rate increases like at-fault accidents and a not-so-good credit rating can be eliminated by making minor changes in your lifestyle. Continue reading for instructions to help reduce premium rates and find hidden discounts.
  2. Get rate quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can provide rates from a single company like GEICO or Farmers Insurance, while agents who are independent can provide rate quotes from multiple sources. Start a quote
  3. Compare the new rates to your existing coverage to see if you can save by switching companies. If you find a better price, make sure the effective date of the new policy is the same as the expiration date of the old one.
  4. Give proper notification to your current agent or company to cancel your existing policy and submit payment and a completed application to your new company or agent. As soon as coverage is bound, place your new proof of insurance paperwork in an accessible location in your vehicle.

An important part of this process is to try to use identical coverage information on each price quote and and to look at every company you can. This guarantees the most accurate price comparison and the best price quote selection.

Unbelievably, the vast majority of drivers have bought insurance from the same company for at least four years, and nearly 40% of drivers have never shopped around. Virginia Beach consumers could save $550 each year, but they just feel it's too hard to compare rate quotes online.

The fastest way that we advise to compare car insurance company rates for Ford Focus insurance in Virginia Beach utilizes the fact almost all companies actually pay money for the chance to provide you with a free rate quote. The only thing you need to do is give the companies some data like if you require a SR-22, whether you are single or married, distance driven, and if your license is active. Your rating data gets sent immediately to many of the top insurers and they return cost estimate instantly to find the best rate.

If you wish to get multiple quotes for your Ford Focus now, click here and find out if lower rates are available in Virginia Beach.

The providers in the list below are our best choices to provide price comparisons in Virginia Beach, VA. To find cheap auto insurance in Virginia, we recommend you click on several of them to get the most competitive price.

Ford Focus coverage analysis

The table below covers a range of insurance prices for Ford Focus models. Understanding how car insurance prices are established is important for drivers to make informed decisions when shopping around for a new policy.

Ford Focus Insurance Rates in Virginia Beach, VA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $176 $368 $266 $16 $80 $906 $76
Focus SE 4-Dr Sedan $176 $368 $266 $16 $80 $906 $76
Focus SEL 4-Dr Sedan $176 $434 $266 $16 $80 $972 $81
Focus SES 4-Dr Sedan $176 $434 $266 $16 $80 $972 $81
Focus SE 2-Dr Coupe $202 $434 $300 $18 $90 $1,044 $87
Focus SES 2-Dr Coupe $202 $434 $300 $18 $90 $1,044 $87
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Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Virginia minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Price information does not factor in specific zip code location which can change insurance rates substantially.

Can higher deductibles save money?

A question often asked by Virginia Beach drivers is which deductible level should you buy. The figures shown below determine the rate fluctuation between low and high deductibles. The first set of rates uses a $100 deductible for comprehensive and collision coverage and the second rate chart 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 $192 $400 $258 $16 $78 $969 $81
Focus SE 4-Dr Sedan $192 $400 $258 $16 $78 $969 $81
Focus SEL 4-Dr Sedan $192 $472 $258 $16 $78 $1,041 $87
Focus SES 4-Dr Sedan $192 $472 $258 $16 $78 $1,041 $87
Focus SE 2-Dr Coupe $222 $472 $290 $18 $88 $1,115 $93
Focus SES 2-Dr Coupe $222 $472 $290 $18 $88 $1,115 $93
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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 $140 $270 $258 $16 $78 $762 $64
Focus SE 4-Dr Sedan $140 $270 $258 $16 $78 $762 $64
Focus SEL 4-Dr Sedan $140 $318 $258 $16 $78 $810 $68
Focus SES 4-Dr Sedan $140 $318 $258 $16 $78 $810 $68
Focus SE 2-Dr Coupe $162 $318 $290 $18 $88 $876 $73
Focus SES 2-Dr Coupe $162 $318 $290 $18 $88 $876 $73
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Rate quotes do not factor in Virginia Beach location which can alter rates considerably.

Using the premium rates above, we can conclude that using a $100 deductible could cost the average driver approximately $19 more each month or $228 for a full year across all Ford Focus models than buying the higher $500 deductible. Due to the fact that you would have to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you usually have at a minimum 21 months between claims, you would probably save some money if you decide on a higher deductible.

The chart below shows how different deductible levels and can increase or decrease Ford Focus yearly insurance costs for different age groups of insureds. The rates are based on a married female driver, comp and collision included, and no discounts are applied.

Ford Focus liability rates compared to full coverage

The example below shows the difference between Ford Focus insurance costs with liability coverage only compared to full coverage. The information is based on a clean driving record, no at-fault accidents, $100 deductibles, single status, and no additional discounts are factored in.

Guidelines for dropping full coverage

There is no clear-cut rule of when to stop paying for physical damage coverage on your policy, but there is a guideline you can use. If the annual cost of having full coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.

For example, let's say your Ford Focus replacement value is $6,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would get paid by your company is $5,000 after paying your policy deductible. If you are currently paying more than $500 annually for your policy with full coverage, then you may need to consider dropping full coverage.

There are some situations where dropping physical damage coverage is not a good idea. If you have an outstanding loan on your vehicle, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should keep full coverage on your policy.

You are unique and your insurance should be too

When buying coverage for your vehicles, there isn't really a "best" method to buy coverage. Everyone's needs are different so your insurance should reflect thatInsurance savings These are some specific questions might point out whether you would benefit from professional advice.

  • Do I have newly-acquired coverage?
  • Are my friends covered when driving my car?
  • Do I need higher collision deductibles?
  • Do I need motorclub coverage?
  • What discounts do I qualify for?
  • What is an adequate liability insurance limit?

If you can't answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Exclusive versus independent insurance agents

A lot of people would rather go talk to an agent and that is OK! The best thing about comparing rates online is the fact that you can find cheaper premium rates and still have a local agent. Supporting small agencies is still important in Virginia Beach.

Insurance agency in Virginia BeachUpon completion of this quick form, your coverage information is immediately sent to local insurance agents in Virginia Beach who will give you quotes for your coverage. There is no reason to do any legwork because prices are sent directly to you. Get lower rates AND an agent nearby. If you have a need to get a comparison quote from a particular provider, you can always go to their quote page and complete a quote there.

If you want a local insurance agency, you need to know there are two types of agencies and how they can service your needs differently. Virginia Beach agents can either be independent agents or exclusive agents depending on their employer.

Independent Auto Insurance Agents (or Brokers)

Agents that choose to be independent often have affiliation with several companies and that allows them to write policies with multiple insurance companies and find you cheaper rates. If your premiums go up, they simply switch companies in-house and you don't have to find a new agent.

If you are comparing rate quotes, you will want to contact multiple independent agents in order to compare the most rates. They often place coverage with smaller companies that can offer cheaper rates than bigger companies.

Listed below is a list of independent agencies in Virginia Beach that may be able to provide price quotes.

More Virginia Beach agents

Exclusive Insurance Agencies

Agents that choose to be exclusive are contracted to one company such as American Family, State Farm, and AAA. Exclusive agencies are unable to provide other company's prices so they have no alternatives for high prices. Exclusive insurance agents are usually quite knowledgeable on what they offer which helps them sell on service rather than price. Consumers sometimes use the same exclusive agent mainly due to loyalty to the company and the convenience of having a single billing for all their coverages.

Listed below are exclusive agents in Virginia Beach who can help you get price quote information.

More Virginia Beach agents

Selecting an auto insurance agent is decision based upon more than just a cheap price quote. Some important questions to ask are:

  • By raising physical damage deductibles, how much would you save?
  • Does their agency support local causes in Virginia Beach?
  • Does the company have a local claim office in Virginia Beach?
  • Does the company have a solid financial rating?
  • Is the agent CPCU or CIC certified?
  • Where would glass claims be handled in Virginia Beach?
  • Do they specialize in personal lines auto insurance in Virginia Beach?
  • Has the agent ever had any license suspensions?

Ratings for Virginia Beach car insurance companies

Choosing a good quality car insurance company can be rather challenging considering how many companies sell insurance in Virginia Beach. The rank data shown next may help you choose which auto insurance companies to look at shopping prices with.

Top 10 Virginia Beach Car Insurance Companies Ranked by Customer Service

  1. USAA
  2. Travelers
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Safeco Insurance
  7. Progressive
  8. State Farm
  9. The Hartford
  10. The General

Top 10 Virginia Beach Car Insurance Companies Ranked by Value

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