How long has it been since you compared more affordable Ford Focus insurance in Houston? If you’re new to shopping for Houston auto insurance quotes online, most likely you are overwhelmed by the sheer number of companies that all say they have the best rates for Ford Focus insurance in Houston.
A recent study showed that nearly 70% of customers renewed their policy with the same company for well over three years, and nearly 40% of drivers have never compared rates with other companies. American insurance shoppers could save an average of nearly 47% each year by just comparing rate quotes, but they won’t spend time to save money by comparing rate quotes.
You need to shop coverage around every six months due to the fact that insurance prices trend upward over time. Even if you got the best price on Ford Focus insurance in Houston on your last policy the chances are good that you can find a lower rate today. Block out anything you think you know about insurance because I’m going to teach you the best way to properly buy coverages and cut your premium.
Companies offering affordable Ford Focus price quotes in Houston, TX
The following companies are our best choices to provide comparison quotes in Houston, TX. If several companies are displayed, we recommend you click on several of them to get a more complete price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Focus S 4-Dr Sedan | $154 | $306 | $388 | $24 | $116 | $988 | $82 |
| Focus SE 4-Dr Sedan | $152 | $352 | $496 | $30 | $148 | $1,178 | $98 |
| Focus SEL 4-Dr Sedan | $198 | $486 | $358 | $22 | $108 | $1,172 | $98 |
| Focus SES 4-Dr Sedan | $180 | $462 | $400 | $24 | $120 | $1,186 | $99 |
| Focus SE 2-Dr Coupe | $240 | $472 | $430 | $26 | $128 | $1,296 | $108 |
| Focus SES 2-Dr Coupe | $254 | $572 | $452 | $26 | $136 | $1,440 | $120 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Rates do not factor in vehicle garaging location which can raise or lower coverage prices greatly.
How high should deductibles be?
One of the hardest decisions when shopping for auto insurance is what deductibles to buy. The rates shown below help summarize the difference in cost when you select higher and lower deductibles. The first pricing table uses a $250 comprehensive and collision deductible and the second price chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Focus S 4-Dr Sedan | $256 | $496 | $382 | $22 | $114 | $1,295 | $108 |
| Focus SE 4-Dr Sedan | $256 | $496 | $382 | $22 | $114 | $1,295 | $108 |
| Focus SEL 4-Dr Sedan | $256 | $584 | $382 | $22 | $114 | $1,383 | $115 |
| Focus SES 4-Dr Sedan | $256 | $584 | $382 | $22 | $114 | $1,383 | $115 |
| Focus SE 2-Dr Coupe | $294 | $584 | $430 | $26 | $128 | $1,487 | $124 |
| Focus SES 2-Dr Coupe | $294 | $584 | $430 | $26 | $128 | $1,487 | $124 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Focus S 4-Dr Sedan | $158 | $312 | $382 | $22 | $114 | $988 | $82 |
| Focus SE 4-Dr Sedan | $158 | $312 | $382 | $22 | $114 | $988 | $82 |
| Focus SEL 4-Dr Sedan | $158 | $368 | $382 | $22 | $114 | $1,044 | $87 |
| Focus SES 4-Dr Sedan | $158 | $368 | $382 | $22 | $114 | $1,044 | $87 |
| Focus SE 2-Dr Coupe | $182 | $368 | $430 | $26 | $128 | $1,134 | $95 |
| Focus SES 2-Dr Coupe | $182 | $368 | $430 | $26 | $128 | $1,134 | $95 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Prices do not factor in garaging location in Houston which can change coverage rates substantially.
We can estimate from the data above that using a $250 deductible will cost you roughly $28 more each month or $336 every year than opting for the higher $1,000 deductible. Due to the fact that you would have to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go at a minimum 27 months between claims, you would save more money going with the higher deductible.
Take policy discounts and save on Ford Focus insurance in Houston
Companies that sell car insurance don’t necessarily list their entire list of discounts in an easy-to-find place, so the following list contains some of the best known and the more hidden credits available to lower your premiums when you buy Houston auto insurance online.
- Seat Belts Save more than Lives – Forcing all vehicle occupants to buckle up before driving can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
- Driving Data Discount – Insureds who allow companies to spy on when and where they use their vehicle by using a telematic data system like Allstate’s Drivewise could see a rate decrease if their driving habits are good.
- Claim-Free Discount – Drivers who don’t have accidents are rewarded with significantly better rates on Houston auto insurance quote in comparison with policyholders that have many claims.
- No Charge for an Accident – Not really a discount, but a few companies such as Allstate, State Farm and GEICO will allow you to have one accident without raising rates if you have no claims for a particular time prior to the accident.
- Save with More Vehicles Insured – Insuring all your vehicles on one policy can get a discount on all vehicles.
- Low Mileage Discounts – Driving less could be rewarded with cheaper rates.
- Bundled Policy Discount – If you combine your home and auto policies with the same insurance company you could get a discount of nearly 15% which can help you find cheaper Focus insurance.
- Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course in school or through a local driver safety program.
- Sign Early and Save – A few larger companies give discounts for switching to them before your current expiration date. This discount can save up to 10%.
- Theft Deterrent – Cars equipped with anti-theft or alarm systems have a lower chance of being stolen so companies will give you a small discount.
Discounts lower rates, but some of the credits will not apply to the entire policy premium. Most cut specific coverage prices like comprehensive or collision. Despite the fact that it seems like you could get a free car insurance policy, you won’t be that lucky.
Popular car insurance companies and some of the premium reductions they offer can be read below.
- AAA has savings for anti-theft, good driver, AAA membership discount, multi-policy, and multi-car.
- Progressive offers premium reductions for online signing, continuous coverage, homeowner, good student, multi-vehicle, multi-policy, and online quote discount.
- State Farm may have discounts that include multiple autos, anti-theft, student away at school, driver’s education, multiple policy, good driver, and passive restraint.
- Esurance discounts include good driver, online quote, emergency road assistance, defensive driver, multi-car, DriveSense, and Pac-12 alumni.
- Nationwide offers discounts including defensive driving, business or organization, accident-free, family plan, anti-theft, and good student.
Before buying, ask every company which discounts you may be entitled to. Savings might not be offered on policies in Houston. To see a list of companies who offer car insurance discounts in Texas, click here to view.
When do I need an agent’s advice?
When buying coverage online or from an agent for your personal vehicles, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s.
For example, these questions can help discover if your insurance needs would benefit from an agent’s advice.
- Should I pay a claim out-of-pocket?
- How high should deductibles be on a Ford Focus?
- Should I drop comprehensive coverage on older vehicles?
- What does UM/UIM cover?
- What exactly is covered by my policy?
- At what point should I drop full coverage?
- Do all my vehicles need collision coverage?
If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an agent. To find an agent in your area, complete this form.
Local insurance agents
Certain consumers still like to visit with an insurance agent and there is nothing wrong with that. One of the benefits of comparing rate quotes online is you may find the best rates but still work with a licensed agent. Buying insurance from small agencies is definitely important in Houston.
Once you complete this simple form, your insurance data gets sent to local insurance agents who will give you quotes for your business. It’s much easier because you don’t need to leave your computer since price quotes are sent directly to you. Get lower rates and a licensed agent to talk to. If you have a need to compare rates from a specific car insurance provider, you can always visit that company’s website and fill out their quote form.
Finding a good insurance company shouldn’t rely on just a cheap price. The following questions are important to ask.
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Does the agency provide any after hours assistance?
- Will one accident increase rates?
- Which companies can they place coverage with?
- If independent agents, which companies do they recommend?
- Is the agency involved in supporting local community causes?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Do you qualify for any additional discounts?
After getting acceptable answers and an acceptable price quote, it’s possible that you found a company that is professional and can provide car insurance coverage. Keep in mind you are entitled to terminate coverage any time you want so never feel that you are obligated to your new company with no way to switch.
Can you really save $446 a year?
Respected companies like State Farm, GEICO and Progressive constantly bombard you with ads on television and other media. All the companies convey the message of big savings if you switch your policy. But how can every company sell you cheaper insurance coverage? Here is the trick they use.
Different companies give the cheapest rates for the driver that will add to their bottom line. A good example of a profitable insured might have to be married and over the age of 30, carries full coverage, and does not commute to work. Any person that fits those parameters will probably get the lowest car insurance rates and is almost guaranteed to save money with a new company.
Potential insureds who don’t qualify for this stringent profile will probably be forced to pay higher prices with the end result being business going elsewhere. The trick companies use is to say “customers who switch” not “everyone that quotes” save that much money. That’s why insurance companies can confidently advertise the savings.
This emphasizes why it’s extremely important to compare quotes as often as possible. You cannot predict with any certainty which company will fit you best based on your risk profile.
Find affordable rates by being thorough
When buying insurance coverage, it’s not a good idea to skimp on critical coverages to save a buck or two. In many instances, consumers will sacrifice collision coverage only to regret at claim time that the small savings ended up costing them much more. Your focus should be to buy the best coverage you can find at the best cost.
The cheapest Ford Focus insurance in Houston can be sourced online in addition to many Houston insurance agents, and you need to price shop both to have the best chance of lowering rates. There are still a few companies who may not provide rate quotes online and most of the time these regional insurance providers sell through independent agencies.
We just presented a lot of information how to compare Ford Focus insurance premium rates in Houston. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. You may even discover the biggest savings come from a smaller regional carrier.
For more information, feel free to browse the following helpful articles:
- Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)
- How Much is Car Insurance for Good Drivers in Houston? (FAQ)
- Who Has Affordable Auto Insurance Quotes for a Ford Explorer in Houston? (FAQ)
- Who Has Cheap Car Insurance Rates for Teenagers in Houston? (FAQ)
- Who Has Affordable Car Insurance Rates for Police Officers in Houston? (FAQ)
- Who Has the Cheapest Houston Auto Insurance for a 20 Year Old Female? (FAQ)
- Who Has Affordable Car Insurance for a Chevrolet Equinox in Houston? (FAQ)
- Car Insurance: When not to Skimp (BankRate.com)
- State Laws for Cellphones and Texting (iihs.org)
- Alcohol Impaired Driving FAQ (iihs.org)