The recommended way to find the cheapest price for Ford Focus insurance is to do an annual price comparison from different companies that insure vehicles in Jacksonville.
- Get an understanding of the different coverages in a policy and the modifications you can make to keep rates low. Many rating factors that cause rate increases such as traffic tickets, fender benders, and a low credit rating can be improved by making minor changes to your lifestyle. This article gives ideas to find cheap rates and find overlooked discounts.
- Quote rates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give prices from one company like GEICO or State Farm, while agents who are independent can give you price quotes from multiple companies.
- Compare the new rates to your existing rates to see if cheaper Focus coverage is available in Jacksonville. If you can save some money and decide to switch, make sure coverage does not lapse between policies.
- Notify your current company to cancel your current policy and submit the signed application along with the required initial payment to the new insurer. Once received, safely store the certificate verifying proof of insurance somewhere easily accessible.
A key point to remember is to try to compare identical deductibles and limits on every quote and to quote with as many different companies as possible. This enables a level playing field and the best price selection.
It’s well known that insurance companies don’t want you to look at other companies. Drivers who compare other rates will, in all likelihood, buy a different policy because there is a great chance of finding a lower rate. A recent study showed that consumers who made a habit of comparing rates saved approximately $3,500 over four years compared to those who never compared prices.
If finding the lowest price for Ford Focus insurance in Jacksonville is the reason for your visit, learning the best ways to find and compare insurance can make it easier to shop your coverage around.
Obtaining price quotes for affordable protection in Jacksonville is simple if you know the tricks. If you are already insured or just want to save money, follow these tips to find better prices while maintaining coverages. Smart shoppers just need to learn the proper way to compare insurance rates over the internet.
The providers in the list below are our best choices to provide free quotes in Jacksonville, FL. If multiple companies are shown, it’s a good idea that you get price quotes from several of them to get the best price comparison.
Discount Jacksonville insurance rates
Car insurance companies don’t always list the entire discount list very well, so the list below contains some of the best known and the harder-to-find discounts you could be receiving when you buy Jacksonville car insurance online.
- Drive Safe and Save – Drivers without accidents may receive a discount up to 45% than drivers with accident claims.
- Sign Early and Save – A few larger companies offer discounts for buying a policy prior to your current Focus insurance policy expiration. You can save around 10% with this discount.
- Auto/Life Discount – If the company offers life insurance, you could get a discount if you purchase a life insurance policy as well.
- Braking Control Discount – Cars equipped with ABS or steering control can stop better under adverse conditions and qualify for as much as a 10% discount.
- Data Collection Discounts – Insureds that choose to allow their insurance company to track their driving habits by using a telematics device in their vehicle like Drivewise from Allstate or In-Drive from State Farm could see a rate decrease as long as the data is positive.
- Passive Restraints – Factory air bags and/or automatic seat belt systems can qualify for discounts up to 30%.
As is typical with insurance, most discount credits are not given to your bottom line cost. Some only reduce the cost of specific coverages such as comp or med pay. So even though you would think you can get free auto insurance, that’s just not realistic. But all discounts will cut the cost of your policy.
The information below illustrates the difference between Ford Focus auto insurance rates with and without policy discounts. The price estimates are based on a female driver, no violations or accidents, Florida state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, claim-free, multi-policy, safe-driver, and homeowner discounts applied.
Companies and some of the discounts are included below.
- Progressive offers discounts for online quote discount, continuous coverage, good student, multi-vehicle, homeowner, online signing, and multi-policy.
- GEICO offers discounts including membership and employees, driver training, daytime running lights, multi-policy, good student, and multi-vehicle.
- State Farm policyholders can earn discounts including good driver, multiple autos, good student, multiple policy, Steer Clear safe driver discount, safe vehicle, and accident-free.
- Esurance discounts include Switch & Save, renters, anti-theft, good driver, paid-in-full, and defensive driver.
- The Hartford has discounts for vehicle fuel type, defensive driver, good student, driver training, and air bag.
When getting free Jacksonville car insurance quotes, it’s a good idea to all companies you are considering which discounts they offer. Some of the discounts discussed earlier may not be available in every state. If you would like to choose from a list of companies who offer free Ford Focus insurance quotes in Florida, click this link.
Statistics and details
The rate information displayed below showcases a range of rate quotes for Ford Focus models. Learning how rates are calculated is important to be able to make smart choices when comparing insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Focus S 4-Dr Sedan | $166 | $386 | $542 | $32 | $162 | $1,288 | $107 |
| Focus SE 4-Dr Sedan | $166 | $386 | $542 | $32 | $162 | $1,288 | $107 |
| Focus SEL 4-Dr Sedan | $166 | $454 | $542 | $32 | $162 | $1,356 | $113 |
| Focus SES 4-Dr Sedan | $166 | $454 | $542 | $32 | $162 | $1,356 | $113 |
| Focus SE 2-Dr Coupe | $192 | $454 | $612 | $36 | $184 | $1,478 | $123 |
| Focus SES 2-Dr Coupe | $192 | $454 | $612 | $36 | $184 | $1,478 | $123 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Premium costs do not factor in your specific Jacksonville location which can affect rates substantially.
Policy deductible comparison
One of the hardest decisions when shopping for car insurance is what deductibles to buy. The premium rates below can help you visualize the rate difference when you choose different deductibles. The first rate estimation uses a $250 physical damage coverage deductible and the second price grid uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Focus S 4-Dr Sedan | $280 | $544 | $418 | $24 | $124 | $1,415 | $118 |
| Focus SE 4-Dr Sedan | $280 | $544 | $418 | $24 | $124 | $1,415 | $118 |
| Focus SEL 4-Dr Sedan | $280 | $640 | $418 | $24 | $124 | $1,511 | $126 |
| Focus SES 4-Dr Sedan | $280 | $640 | $418 | $24 | $124 | $1,511 | $126 |
| Focus SE 2-Dr Coupe | $322 | $640 | $472 | $28 | $142 | $1,629 | $136 |
| Focus SES 2-Dr Coupe | $322 | $640 | $472 | $28 | $142 | $1,629 | $136 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Focus S 4-Dr Sedan | $174 | $342 | $418 | $24 | $124 | $1,082 | $90 |
| Focus SE 4-Dr Sedan | $174 | $342 | $418 | $24 | $124 | $1,082 | $90 |
| Focus SEL 4-Dr Sedan | $174 | $402 | $418 | $24 | $124 | $1,142 | $95 |
| Focus SES 4-Dr Sedan | $174 | $402 | $418 | $24 | $124 | $1,142 | $95 |
| Focus SE 2-Dr Coupe | $200 | $402 | $472 | $28 | $142 | $1,244 | $104 |
| Focus SES 2-Dr Coupe | $200 | $402 | $472 | $28 | $142 | $1,244 | $104 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Table data does not factor in specific location information which can lower or raise price quotes noticeably.
Based on the figures above, using a $250 deductible costs about $31 more each month or $372 a year than quoting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you go more than 24 months between claims, you would most likely save money if you choose a higher deductible.
Ford Focus liability-only versus full coverage
The chart below shows the difference between Ford Focus insurance premiums with full physical damage coverage compared to only buying liability only. The premium estimates are based on no accidents, no driving violations, $250 deductibles, drivers are not married, and no discounts are applied to the premium.
When to drop full coverage
There isn’t a steadfast formula for phasing out comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the yearly cost for physical damage coverage is more than about 10% of the replacement cost minus the deductible, then you might want to consider buying only liability coverage.
For example, let’s say your Ford Focus book value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, you would only receive $6,000 after paying your policy deductible. If you are paying more than $600 annually for physical damage coverage, then you might consider buying liability only.
There are some conditions where eliminating full coverage is not a good plan. If you still owe a portion of the original loan, you have to maintain full coverage to satisfy the loan requirements. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not consider dropping full coverage.
Car insurance is available from local insurance agents
Certain consumers still prefer to sit down with an agent and doing so can bring peace of mind Good insurance agents are highly skilled in risk management and help you file claims. One of the best bonuses of getting free rate quotes online is that drivers can save money and get lower rates and still choose a local agent. Buying from local agencies is still important in Jacksonville.
Once you complete this quick form, the quote information is immediately sent to companies in Jacksonville who will return price quotes for your coverage. It simplifies rate comparisons since you won’t have to contact an agency since price quotes are sent immediately to your email address. If you have a need to get a comparison quote from a specific car insurance provider, don’t hesitate to jump over to their website to submit a rate quote request.
If you want a reliable insurance agency, it helps to know the two types of agencies that differ in how they can insure your vehicles. Car insurance agencies are classified as either exclusive agents or independent agents. Both types of agents can insure your vehicles properly, but it’s worth mentioning the differences because it may have an impact on buying decisions.
Independent Car Insurance Agents (or Brokers)
Independent agencies are appointed with more than one company so they can write business with many different companies and find the cheapest car insurance rates. If prices rise, the business is moved internally and you stay with the same agent. When comparing car insurance rates, we recommend you get insurance quotes from at a minimum one independent agency so that you have a good selection of quotes to compare. A lot of them also have access to lesser-known insurance companies that can offer cheaper rates than bigger companies.
Below is a partial list of independent insurance agencies in Jacksonville that may be able to provide free price quotes.
- Erwin Insurance Agency-Beach
5243 Beach Blvd – Jacksonville, FL 32207 – (904) 391-1003 – View Map - Connect America Insurance Agency
8825 Perimeter Park Blvd #303 – Jacksonville, FL 32216 – (904) 494-8898 – View Map - Mike Bell Insurance Agency
1819 3rd St N – Jacksonville Beach, FL 32250 – (904) 372-2355 – View Map
Exclusive Insurance Agents
Agents that elect to be exclusive can only write with one company such as Allstate and State Farm. They are unable to shop your coverage around so it’s a take it or leave it situation. These agents are highly trained on sales techniques and that enables them to sell even at higher rates. Some people will only choose to use an exclusive agent mostly because of the brand rather than low price.
Shown below are Jacksonville exclusive insurance agents willing to provide comparison quotes.
- Chris Nickas – State Farm Insurance Agent
9542 Argyle Forest Blvd #12 – Jacksonville, FL 32222 – (904) 854-4700 – View Map - Homer St Clair – State Farm Insurance Agent
7305 Merrill Rd – Jacksonville, FL 32277 – (904) 743-7422 – View Map - Margie Harner – State Farm Insurance Agent
4540 Southside Blvd #1102 – Jacksonville, FL 32216 – (904) 296-2500 – View Map
Finding a good car insurance agent should depend on more than just a low price. A good agent in Jacksonville will have answers to these questions.
- Is the quote a firm price?
- Does the company allow you to choose your own collision repair facility?
- Do they see any coverage gaps in your plan?
- Where would your vehicle be repaired?
- Can they provide you with a list of referrals?
- Which company do they place the most coverage with?
- Is there a local claims center in Jacksonville?
- Do they have a Better Business Bureau rating in Jacksonville?
Insurance can be complex
When it comes to choosing coverage online or from an agent for your vehicles, there isn’t really a single plan that fits everyone. Each situation is unique and a cookie cutter policy won’t apply.
Here are some questions about coverages that may help you determine whether or not you would benefit from professional advice.
- What does UM/UIM cover?
- What is an SR-22 filing?
- Is my custom paint covered by insurance?
- Exactly who is provided coverage by my policy?
- Does low annual mileage earn a discount?
- How high should my medical payments coverage be?
- Is my business laptop covered if it gets stolen from my vehicle?
- Should I buy full coverage?
- Can I get by with minimal medical coverage if I have good health insurance?
- What are the liability requirements in my state?
If you can’t answer these questions but one or more may apply to you, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and may give you better protection.
Informed Consumers Can Cut Their Insurance Premiums
A large part of saving on auto insurance is knowing a few of the rating criteria that help determine auto insurance rates. If you have some idea of what determines premiums, this empowers consumers to make smart changes that could help you find cheaper rates. Many factors are taken into consideration when you get a price on insurance. Some are obvious such as your driving history, but other criteria are less apparent such as your credit history or your vehicle rating.
Listed below are a few of the things companies use to determine premiums.
Don’t get traffic citations – Your driving citation history influences premium rates substantially. Drivers with clean records pay less for auto insurance than bad drivers. Having a single driving citation may cause rates to rise by as much as thirty percent. Drivers who have gotten severe citations like DWI, reckless driving or hit and run convictions may find they need to complete a SR-22 with their state’s licensing department in order to continue driving.
The illustration below illustrates how traffic citations and fender-benders drive up Ford Focus car insurance rates for each different age group. The data assumes a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied to the premium.
Do you save by driving less? – The higher the mileage driven every year the more you will pay for auto insurance. The majority of insurers apply a rate based upon how you use the vehicle. Cars that do not get driven very much receive lower rates than vehicles that have high annual mileage. It’s a good idea to make sure your policy shows annual mileage, because it can save money. Incorrect rating for your Focus may be costing you higher rates.
Know your credit rating – Having a good credit rating can be a huge factor in calculating your auto insurance rates. Drivers who have high credit scores tend to file fewer claims than those with poor credit. If your credit history is not that good, you could be paying less to insure your Ford Focus by improving your rating.
Policy add-ons may be wasting money – Policies have extra add-on coverages that can waste your money if you aren’t careful. Coverages like rental car reimbursement, towing, and term life insurance may be costing you every month. They may seem good when buying your policy, but if you’ve never needed them in the past eliminate them to save money.
Vehicle options impact prices – Choosing a vehicle with advanced anti-theft systems can save you a little every year. Theft deterrent systems like vehicle immobilizer systems, OnStar, and tracking devices like LoJack can help prevent your vehicle from being stolen.
See if your company offers a multi-policy discount – The majority of companies provide lower prices to people who buy several policies from them such as combining an auto and homeowners policy. The amount of the discounts can be ten or even up to twenty percent in some cases. Even if you already get this discount, it’s always a smart idea to comparison shop to verify if the discount is saving money.
Cheaper premiums for prior coverage – Not having insurance is against the law and auto insurance companies will penalize you for letting your coverage cancel without a new policy in place. Not only will you pay higher rates, getting caught without coverage will get you fines or a revoked license.
Is you job costing you more? – Occupational choices like military generals, social workers, and dentists usually pay higher average rates in part from intense work situations and lots of time spent away from family. Other careers such as professors, students and retirees receive lower rates.
Ford Focus claim probability – Insurers study historical loss data when setting rates for each model. Vehicles that the statistics show to have higher claim amounts or frequency will have a higher premium rate. The information below illustrates the loss history for Ford Focus vehicles.
For each coverage category, the claim amount for all vehicles, as a total average, is a value of 100. Values that are 100 or less suggest a positive loss record, while values over 100 indicate a higher chance of having a claim or an increased likelihood of larger losses.
| Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Ford Focus | 106 | 98 | 90 | 103 | 109 | 111 |
| Ford Focus Electric | 87 | 85 | 66 |
Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Car insurance is not optional in Florida
Despite the high cost of buying insurance for a Ford Focus in Jacksonville, buying car insurance may be mandatory for several reasons.
First, just about all states have mandatory insurance requirements which means state laws require a specific level of liability protection in order to get the vehicle licensed. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if your Ford Focus has a loan, more than likely the lender will stipulate that you carry insurance to ensure the loan is repaid in case of a total loss. If you default on your policy, the bank or lender will purchase a policy for your Ford at a much higher premium rate and require you to reimburse them for the much more expensive policy.
Third, car insurance protects both your assets and your car. Insurance will also pay for most medical and hospital costs for you, any passengers, and anyone injured in an accident. Liability coverage, the one required by state law, will also pay for a defense attorney if anyone sues you for causing an accident. If your Ford gets damaged, comprehensive and/or collision insurance will cover the damage repairs after a deductible is paid.
The benefits of having insurance definitely exceed the cost, particularly when you have a large claim. In a recent study of 1,000 drivers, the average customer is overpaying over $869 every year so smart consumers compare quotes once a year at a minimum to ensure rates are inline.
You can find cheap coverage
Lower-priced Ford Focus insurance in Jacksonville is available online and from local insurance agents, and you should compare rates from both to get a complete price analysis. Some companies do not provide online rate quotes and these regional carriers prefer to sell through independent agents.
As you shop your coverage around, it’s a bad idea to buy less coverage just to save a little money. In many instances, consumers will sacrifice liability coverage limits only to find out that a couple dollars of savings turned into a financial nightmare. Your strategy should be to purchase a proper amount of coverage for the lowest price and still be able to protect your assets.
More detailed car insurance information can be found at these sites:
- Side Impact Crash Tests (iihs.org)
- Who Has the Cheapest Car Insurance Quotes for Drivers Under 21 in Jacksonville? (FAQ)
- Who Has Cheap Jacksonville Auto Insurance for State Employees? (FAQ)
- Choosing an Insurance Company (Insurance Information Institute)
- Cellphones, Texting and Driving (iihs.org)