Average Cost of Car Insurance

Average Car Insurance Cost

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Get the Best Insurance Rate for Your Ford Focus

When it comes to buying a car, the most important thing most people consider is the price. But there are many things to factor in on top of the sticker price of the car. For instance, you need to think about things like maintenance, gas mileage, and how much it costs to insure. The Ford Focus is an extremely popular car, because it meets all of these criteria. This is a great car for anyone, and it makes a great family vehicle. It has a low sticker price, even if you want a few extras, and you can get up to 35 mpg. There are also a number of things that make this a car that costs less to insure than other types of vehicles.

You may not realize it, but the make and model of a vehicle play huge roles in how much that vehicle costs to insure. The Ford brand is one that is known to be well-built, and the Focus is known for its many safety features that make it a great family vehicle that is easy to insure.

Top Safety Pick

The Ford Focus has been named in many reviews as a top safety pick. This is definitely a vehicle that you can feel safe driving your family around in. Some of the safety features you will find on the Ford Focus include:

ford focus

  • Driver Side Air Bag
  • Side Head Air Bag
  • Rear Head Air Bag
  • Rear Body Air Bag
  • Side Air Bag
  • Passenger Air Bag
  • 4-Wheel ABS
  • Child Safety Locks
  • Emergency Trunk Release
  • 4-Wheel Disc Brakes
  • Traction Control
  • Electronic Stability Control
  • Front Disc/Rear Drum Brakes

If you are looking for a solid, dependable, and safe family vehicle that is not going to cost an arm and a leg to insure, this is definitely one that should be at the top of your list.

What Type of Coverage Should You Have?

There are many things to consider when you are getting auto insurance. You need to be sure that you have all of the coverage you need. After all, you never know what is going to happen when you are out on the road. Accidents happen every day, and we can’t always avoid them no matter if we are excellent drivers or not. Of course, the more coverage you have, the more it is going to cost. Some things to consider when buying insurance for a Ford Focus include:

  • Rates
  • Deductibles
  • Coverage

If you own an older model Ford Focus, you may not want to bother having full insurance coverage. After all, it may not be worth it if the car is going to cost too much to fix or repair after an accident. You may want to opt for liability-only coverage if you have an older car, unless you are driving your children around. Then you will want to have full coverage.

Other Factors That Affect Insurance Rates

In addition to the type of vehicle you drive, there are a number of other factors that affect your insurance rates. For instance, if you are a male under 21 years old, you can expect to pay a much higher insurance rate than a woman of the same age would have to pay. This is because statistics show that a good number of auto accidents involve men under 21 years of age. One good way to get a lower rate even if you are a young man is to have your name put on your parents’ insurance plan. This way, when you go out to buy a new Ford Focus, you will have had insurance in your name and your rates may be a bit lower.

Other factors that affect insurance rates include:

  • Marital Status – You are considered to be more mature and therefore less of an insurance risk if you are married and/or have children.
  • Credit Rating – If you have a poor credit rating, it will affect your insurance rates. A good credit rating shows that you are responsible. It is known in the insurance industry as the financial responsibility score.
  • Occupation – The type of job you have can play a part in how much you are going to pay for auto insurance. If you use your vehicle for work, you are going to pay a higher rate.
  • Driving Record – If you have accidents or traffic violations on your driving record, your insurance rate is going to be higher. This is because you have a record of poor driving skills, and the insurance companies don’t want to have to pay out if you have an accident.
  • Multiple Vehicles – If you own more than one vehicle, you can save money by having all of your vehicles covered under the same policy. You may also be able to combine auto, home, and life insurance policies for even more savings.

If you need to have a reliable vehicle, the Ford Focus is an excellent choice. It is a dependable car that is loaded with safety features, and because it has all of these features, it is less expensive to insure than other vehicles. When you decide that it is time to go car shopping, make sure that you look for deals on the Ford Focus. It has a very low sticker price, and you may be able to get other discounts from the dealership if you try hard enough.