Finding competitive coverage for a Ford Focus relies on an enormous amount of factors such as age of the driver, if you have recent claims, and driving violations. Drivers in Arizona pay around $914 each year to insure their Focus, but that amount is an approximation using a 30-year-old married female driver with full comprehensive and collision coverage and $250 deductibles.
The problem with using this number is the good chance you are not 30 and maybe not even a female, maybe you are single instead of married, or maybe you have a teen driver on your policy that needs to be considered. Having different needs demonstrates why the only way to find cheap insurance rates for your Ford is to put in the effort to do a thorough rate comparison.
The trim level of your Ford impacts the coverage cost, so the price you will be charged to insure a Focus S 4-Dr Sedan will be $150 lower than the insurance cost for the more expensive Focus SES 2-Dr Coupe trim level, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Focus S 4-Dr Sedan||$196||$382||$306||$18||$92||$994||$83|
|Focus SE 4-Dr Sedan||$196||$382||$306||$18||$92||$994||$83|
|Focus SEL 4-Dr Sedan||$196||$450||$306||$18||$92||$1,062||$89|
|Focus SES 4-Dr Sedan||$196||$450||$306||$18||$92||$1,062||$89|
|Focus SE 2-Dr Coupe||$224||$450||$346||$20||$104||$1,144||$95|
|Focus SES 2-Dr Coupe||$224||$450||$346||$20||$104||$1,144||$95|
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Data variables include married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Rate quotes do not factor in vehicle garaging location which can increase or decrease coverage prices noticeably.
Picking the right auto insurance provider can be difficult considering how many different companies there are to choose from in Arizona. The company ratings listed below can help you analyze which coverage providers you want to consider comparing rates with.
The ratings below are only comprised of large, nationwide insurance companies, so companies without a large exposure are not taken into consideration for these rankings. To check prices from many more Arizona auto insurance companies, click this link.
Top 10 Large Auto Insurance Companies in Scottsdale Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Top 10 Large Auto Insurance Companies in Scottsdale Ranked by Customer Service
- State Farm
- The Hartford
- Mercury Insurance
- The General
- AAA Insurance
- American Family
Do you need full coverage?
Reducing the cost of insurance is probably important to most drivers, and one of the best ways to find cheap insurance for a Ford Focus is to only pay for liability coverage. The example below illustrates the difference between insurance premiums when comparing full coverage to liability only. The rates are based on no claims or driving citations, $500 deductibles, single status, and no other discounts are factored in.
As an average, physical damage coverage on your policy costs $1,646 per year over and above liability coverage. That proposes the question when is the right time to remove full coverage. There is no definitive rule of when to eliminate physical damage coverage on your policy, but there is a general school of thought. If the yearly cost of full coverage is about 10% or more of replacement cost minus your deductible, then you might consider buying liability only.
How to get discounts on Scottsdale insurance rates
Insurance companies that offer coverage for a Ford Focus may have price discounts that could potentially reduce rates by as much as 25% or more if you meet the requirements. The best insurance companies and their offered discounts can be found below.
- GEICO policyholders can earn discounts including emergency military deployment, anti-lock brakes, membership and employees, five-year accident-free, multi-vehicle, and daytime running lights.
- Travelers may offer discounts for multi-policy, continuous insurance, early quote, home ownership, student away at school, hybrid/electric vehicle, and save driver.
- Farm Bureau may have discounts that include multi-vehicle, safe driver, youthful driver, multi-policy, renewal discount, good student, and 55 and retired.
- Liberty Mutual discounts include good student, exclusive group savings, new graduate, hybrid vehicle, and newly married.
- American Family may include discounts for bundled insurance, mySafetyValet, accident-free, Steer into Savings, defensive driver, and multi-vehicle.
- Progressive offers discounts for online signing, homeowner, continuous coverage, multi-policy, online quote discount, multi-vehicle, and good student.
The illustration below compares insurance prices with and without discounts applied to the rates. Data assumes a male driver, a clean driving record, no claims, Arizona state minimum liability limits, comp and collision included, and $100 deductibles.
The first bar for each age group shows the price with no discounts. The second bar shows the rates with accident-free, multiple policy, multiple vehicle, marriage, vehicle safety, and claim-free discounts applied. When discounts are factored in, theaverage yearly reduction on insurance for a Ford Focus is 28% or $599.
You are probably paying too much for Focus insurance
Scottsdale insurance rates are impacted by many things which can substantially decrease or increase the cost of having a policy. Improving your credit rating, buying a home instead of renting, or getting a couple of tickets can produce rate changes that may make certain companies cheaper in comparison to the competition. Not only may things change on your end, but car insurance companies modify pricing without warning in order to remain profitable. Larger than normal claims may cause a rate increase, while a lower level of claims may produce cheaper Focus insurance rates.
To illustrate this point, the bar chart below shows the companies that have the cheapest car insurance in Scottsdale, AZ for a 45-year-old male driver with no prior accidents, a clean driving record, and a high credit rating. If we estimate prices based on his current situation, The Hartford may have the most affordable car insurance rates in Scottsdale at $1,096 each year. This is $332 less than the average premium paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Travelers, and USAA are also included in the best Scottsdale, AZ auto insurance companies.
Now let’s give the driver from the first example a claim surcharge, slightly worse credit, and a stop sign violation. Since every insurance provider has their own process for setting prices, comparing insurance quotes could result in a different ranking of the cheapest Scottsdale car insurance companies as shown below.
Progressive now has the cheapest auto insurance in Scottsdale with CSAA, Ameriprise Group, Safeco, and Allied completing the list. This example demonstrates why consumers need to shop around with many companies when trying to find the most affordable auto insurance quotes for a Ford Focus.
Prices are impacted by many things and change substantially, so the cheapest rate three years ago may now be one of the more expensive options.
How to find the cheapest auto insurance for a Ford Focus
Lowering your rates is not difficult, and here are some money-saving ideas that can help drivers quote lower-cost auto insurance.
- Accident-free drivers may qualify for discounts
- Get cheaper liability coverage by choosing a safer vehicle
- Buy your auto and home insurance from the same company and save
- Speeding tickets and other violations increase rates
- Try to pay small claims out-of-pocket
- Shop around for lower rates once a year
The last idea is especially critical, as was discussed in this article. Car insurance prices in Scottsdale fluctuate constantly, so drivers shouldn’t be reluctant to switch to a new company if a better rate can be found.
We understand brand loyalty, but it’s not a good idea if that loyalty ends up costing lots of hard earned cash every month. Now is a great time to shop around to find cheaper car insurance for a Ford Focus.