Compare Ford Focus Insurance Quotes in Greensboro

Did a good deal turn out to be high-priced Ford Focus insurance in Greensboro? It’s quite common and you’re not alone.

Smart shoppers know that auto insurance companies don’t want their policyholders to compare prices. Consumers who perform rate comparisons will most likely switch to a new company because there is a significant possibility of finding lower prices. A recent car insurance study revealed that drivers who did price comparisons regularly saved about $3,500 over four years as compared to drivers who never shopped around.

If finding the lowest price for Ford Focus insurance in Greensboro is the reason for your visit, then having some knowledge of the best way to quote and compare insurance coverage can help simplify the task of finding more affordable coverage. With so many options when it comes to car insurance, it is hard for the average consumer to choose a more affordable company.

These tips will tell you how to get online quotes and also save some money in the process If you are paying for car insurance now, you should be able to reduce premiums using these techniques. You only have to learn the tricks to quote multiple rates online.

Cheap Ford Focus insurance rates in Greensboro

Car insurance companies don’t always publicize their entire list of discounts in a way that’s easy to find, so we researched a few of the more well known and the harder-to-find credits that may apply to you.

• No Claim Discounts – Drivers with accident-free driving histories get the best car insurance rates when compared with accident-prone drivers.
• Cautious Driver Discount – Drivers who avoid accidents can pay as much as 50% less than drivers with accident claims.
• Multiple Cars – Having all your vehicles with the same car insurance company could earn a price break for each car.
• Active Service Discounts – Being on active duty in the military may lower your prices slightly.
• Homeowners Savings – Owning your own home or condo can help you save on car insurance because it means you have a higher level of financial diligence.
• Club Memberships – Joining a civic or occupational organization in Greensboro could earn you a nice discount when getting a Greensboro auto insurance quote.
• Discount for Good Grades – Performing well in school could provide a savings of up to 20% or more. You can use this discount normally up to age 25.

We need to note that some credits don’t apply to the entire cost. Some only reduce individual premiums such as physical damage coverage or medical payments. Despite the appearance that you can get free auto insurance, you’re out of luck.

The chart below shows the comparison of Ford Focus insurance rates with and without discounts applied to the rates. The data assumes a male driver, no violations or claims, North Carolina state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, safe-driver, multi-car, marriage, and multi-policy discounts applied.

To choose car insurance companies that offer some of these discounts in Greensboro, click this link.

Compare quotes for Greensboro Ford Focus insurance

Finding a lower price on insurance is actually quite simple. All you need to do is invest a few minutes to get quotes to discover which company has affordable Ford Focus insurance quotes.

Comparison shopping rates online is easy and it replaces the need to go to different agent offices. The internet eliminates the middleman unless you want the extra assistance of a local agent. It is possible with some companies price shop online but purchase the actual policy in an agency.

The companies shown below have been selected to offer price quotes in Greensboro, NC. To buy cheap car insurance in Greensboro, NC, we suggest you click on several of them to get the most affordable price.

Rates and information analytics

The premium information shown next outlines detailed analysis of rate quotes for Ford Focus models. Having knowledge of how insurance policy premiums are figured can help guide drivers when making smart choices when purchasing an insurance policy.

Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Rate quotes do not factor in vehicle garaging location which can revise coverage prices substantially.

How high should deductibles be?

One of the most common auto insurance questions is how high should the deductibles for physical damage be. The comparison tables below summarize how much more rates are when you select higher and lower policy deductibles. The first data set uses a $100 deductible and the second set of prices uses a $500 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Price estimates do not factor in vehicle garaging location which can alter auto insurance rates noticeably.

Using the data above, we can ascertain that using a $100 deductible costs an average of $18 more each month or $216 for a full year than buying the higher $500 deductible. Because you would pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you tend to average at least 22 months between claims, you would come out ahead by going with a higher deductible.

Bad driving habits will cost you more

The illustration below shows how traffic citations and accidents can increase Ford Focus insurance prices for different age groups of insureds. The price estimates are based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no other discounts are factored in.

Ford Focus liability-only versus full coverage

The chart below shows the comparison of Ford Focus insurance costs with full coverage and liability only. The data assumes no violations or accidents, $100 deductibles, single status, and no discounts are taken into consideration.

Should you buy full coverage or liability only?

There is no definitive rule to stop paying for full coverage, but there is a broad guideline. If the annual cost of your full coverage insurance is more than about 10% of replacement cost minus your deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s say your Ford Focus book value is $3,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $2,000 after the deductible is paid. If you are paying over $200 annually to have full coverage, then you might consider buying liability only.

There are some situations where only buying liability is not a good plan. If you still owe money on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should not eliminate full coverage.

Do I need a local insurance agent?

A small number of people prefer to buy from a licensed agent and that can be a smart move Good agents are trained risk managers and give you someone to call. The biggest benefit of comparing insurance prices online is you can get lower rates but also keep your business local. Buying insurance from local agencies is definitely important in Greensboro.

Once you complete this form (opens in new window), the quote information is immediately sent to local insurance agents who will give you bids for your car insurance coverage. You never need to do any legwork since rate quotes are delivered straight to your inbox. In the event you want to compare prices from one company in particular, you would need to go to their quote page and give them your coverage information.

Types of car insurance agents

When looking for a local Greensboro insurance agency, it helps to know the two different types of agencies and how they are distinctly different. Greensboro agents can be categorized as either independent or exclusive. Either type can provide car insurance policies, but it’s important to point out the differences since it may influence the selection process.

Independent Car Insurance Agents (or Brokers)

Agents that choose to be independent are not restricted to one company so they can write business through many different car insurance companies and get you the best rates possible. If your premiums go up, the business is moved internally and you don’t have to find a new agent. When comparing car insurance rates, we recommend you check rates from multiple independent agents for maximum quote selection.

The following is a list of independent agencies in Greensboro that may be able to give cheap rate quotes.

More insurance agents

Exclusive Insurance Agents

Agents in the exclusive channel can only quote rates from one company and some examples include Allstate, State Farm and Farmers Insurance. Exclusive agencies are unable to provide prices from multiple companies so they really need to provide good service. Exclusive agents are usually quite knowledgeable on their company’s products which helps them compete with independent agents.

The following is a short list of exclusive insurance agents in Greensboro that can give you price quotes.

More insurance agents

Choosing the best insurance agent needs to be determined by more than just the price. Here are some questions you should ask.

• Are they properly licensed to sell insurance in North Carolina?
• Do they reduce claim amounts on high mileage vehicles?
• Are they able to influence company decisions when a claim is filed?
• Do they offer claims assistance after hours?
• Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
• Do they specialize in personal lines auto insurance in Greensboro?
• Do you have coverage for a rental car if your vehicle is in the repair shop?
• If they are an independent agency in Greensboro, which companies do they recommend?

Greensboro auto insurance company ratings

Insuring your vehicle with the best car insurance provider can be difficult considering how many companies there are to choose from in Greensboro. The company ratings listed below may help you analyze which coverage providers you want to consider comparing rate quotes with.

Top 10 Greensboro Car Insurance Companies Overall

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

Educate yourself about insurance coverages

Having a good grasp of your policy can be of help when determining the right coverages for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring. Below you’ll find typical coverage types available from insurance companies.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like nursing services, pain medications, ambulance fees, rehabilitation expenses and hospital visits. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover you and your occupants as well as any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage

This will pay to fix damage to your Focus from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like backing into a parked car, driving through your garage door, crashing into a ditch and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also bump up the deductible on your Focus to save money on collision insurance.

Auto liability

This coverage provides protection from damages or injuries you inflict on other people or property by causing an accident. It protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 30/60/25 that translate to $30,000 bodily injury coverage, a per accident bodily injury limit of $60,000, and $25,000 of coverage for damaged property. Another option is one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers claims such as structural damage, repair bills for other people’s vehicles, bail bonds and repair costs for stationary objects. How much liability should you purchase? That is up to you, but buy as much as you can afford. North Carolina state law requires minimum liability limits of 30/60/25 but you should think about purchasing higher limits.

The illustration below demonstrates why minimum state limits may not be enough.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims like fire damage, hitting a bird and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as damage to your Ford Focus.

Since a lot of drivers have only the minimum liability required by law (30/60/25), it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time the UM/UIM limits are set the same as your liability limits.

Persistence is the key to cheap rates

As you go through the steps to switch your coverage, it’s not a good idea to reduce coverage to reduce premium. In too many instances, someone dropped uninsured motorist or liability limits only to discover later that the small savings ended up costing them much more. Your strategy should be to buy a smart amount of coverage at the lowest possible cost and still be able to protect your assets.

You just learned a lot of ways to compare Ford Focus insurance premium rates in Greensboro. The key thing to remember is the more companies you get prices for, the higher the chance of saving money. You may even discover the biggest savings come from some of the smallest insurance companies. Regional companies can often insure niche markets at a lower cost than their larger competitors like State Farm and Allstate.

Cheap Ford Focus insurance in Greensboro is attainable from both online companies as well as from insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance companies may not have online quoting and most of the time these smaller companies provide coverage only through independent insurance agents.

How to find lower priced Ford Focus insurance in Greensboro

The easiest way to get more affordable auto insurance rates in Greensboro is to annually compare prices from insurers in North Carolina.

Step 1: Take a few minutes and learn about coverages and the modifications you can make to prevent high rates. Many risk factors that cause high rates such as accidents, traffic tickets, and your credit history can be improved by making minor driving habit or lifestyle changes.

Step 2: Request rate estimates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only quote rates from a single company like Progressive or Allstate, while agents who are independent can give you price quotes from multiple insurance companies.

Step 3: Compare the new rate quotes to your current policy and see if you can save money. If you can save money and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.

The most important part of this process is to try to compare the same coverage limits and deductibles on each quote request and and to analyze all possible companies. Doing this guarantees an accurate price comparison and the best price quote selection.

More tips and info about auto insurance is available in the articles below:

• How do I File a Claim? (Insurance Information Institute)
• Who Has Affordable Car Insurance for Drivers Under 25 in Greensboro? (FAQ)
• If I File a Claim will My Insurance Go Up? (Insurance Information Institute)
• Smart Auto Insurance Tips (Insurance Information Institute)