Affordable Insurance for a Ford Focus in Oklahoma City

It’s a known fact that car insurance companies want to keep you from shopping around. Drivers who shop around annually will most likely switch to a new company because there is a good probability of finding coverage at a more affordable price. A recent auto insurance study discovered that drivers who regularly compared price quotes saved approximately $850 each year compared to those who never compared rates.

If finding budget-friendly Ford Focus insurance in Oklahoma City is your objective, then having an understanding of how to shop for car insurance can help make the process easier.

Discount Ford Focus insuranceIt takes a few minutes, but the best way to find affordable Ford Focus insurance in Oklahoma City is to compare prices regularly from insurance carriers in Oklahoma.

First, try to learn about how your policy works and the factors you can control to keep rates in check. Many policy risk factors that increase rates like accidents, traffic violations, and a not-so-good credit rating can be eliminated by being financially responsible and driving safely. Later in this article we will cover more details to prevent high rates and find discounts that may have been missed.

Second, quote rates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give prices from a single company like Progressive or Farmers Insurance, while agents who are independent can provide price quotes from multiple sources. View a list of agents

Third, compare the new quotes to your existing rates to see if a cheaper price is available. If you can save money and decide to switch, ensure coverage does not lapse between policies.

A key point to remember is to use similar coverage information on every quote request and and to get price quotes from as many companies as possible. This ensures a level playing field and a thorough price selection.

If you currently have car insurance, you will most likely be able to cut your premiums using the following tips. Our goal in writing this article instruct you on how car insurance works and some money-saving tips. Nevertheless, Oklahoma drivers need to have an understanding of the methods companies use to price online insurance because it can help you find the best coverage.

Companies offering competitive Ford Focus price quotes in Oklahoma City, OK

The companies in the list below can provide price comparisons in Oklahoma City, OK. If multiple companies are listed, we suggest you compare several of them in order to get a fair rate comparison.

Coverage statistics and figures

The rate table displayed below covers detailed analysis of insurance premium costs for Ford Focus models. Learning more about how insurance policy rates are formulated can assist in making decisions on the best policy to buy.

Ford Focus Insurance Rates in Oklahoma City, OK
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $180 $416 $584 $34 $174 $1,388 $116
Focus SE 4-Dr Sedan $180 $416 $584 $34 $174 $1,388 $116
Focus SEL 4-Dr Sedan $180 $490 $584 $34 $174 $1,462 $122
Focus SES 4-Dr Sedan $180 $490 $584 $34 $174 $1,462 $122
Focus SE 2-Dr Coupe $206 $490 $658 $38 $198 $1,590 $133
Focus SES 2-Dr Coupe $206 $490 $658 $38 $198 $1,590 $133
Get Your Own Custom Quote Go

Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Prices do not factor in specific zip code location which can lower or raise insurance rates greatly.

Higher deductibles lower rates

When buying auto insurance, a common question is where to set your physical damage deductibles. The data tables below outline the rate fluctuation when you buy lower versus higher comp and collision deductibles. The first rate table uses a $250 deductible for physical damage and the second data table uses a $1,000 deductible.

Ford Focus insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $302 $584 $448 $26 $134 $1,519 $127
Focus SE 4-Dr Sedan $302 $584 $448 $26 $134 $1,519 $127
Focus SEL 4-Dr Sedan $302 $688 $448 $26 $134 $1,623 $135
Focus SES 4-Dr Sedan $302 $688 $448 $26 $134 $1,623 $135
Focus SE 2-Dr Coupe $346 $688 $506 $30 $152 $1,747 $146
Focus SES 2-Dr Coupe $346 $688 $506 $30 $152 $1,747 $146
Get Your Own Custom Quote Go

Ford Focus insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $186 $368 $448 $26 $134 $1,162 $97
Focus SE 4-Dr Sedan $186 $368 $448 $26 $134 $1,162 $97
Focus SEL 4-Dr Sedan $186 $432 $448 $26 $134 $1,226 $102
Focus SES 4-Dr Sedan $186 $432 $448 $26 $134 $1,226 $102
Focus SE 2-Dr Coupe $214 $432 $506 $30 $152 $1,334 $111
Focus SES 2-Dr Coupe $214 $432 $506 $30 $152 $1,334 $111
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Table data does not factor in garaging location in Oklahoma City which can raise or lower auto insurance rates substantially.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost in the ballpark of $33 more each month or $396 a year across all Ford Focus models than choosing the higher $1,000 deductible. Since the policyholder would be required to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go more than 23 months between claims, you would save money by going with a higher deductible.

Calculate deductible break even point

Average monthly premium for $250 deductibles: $136
Average monthly premium for $1,000 deductibles (subtract): – $103
Monthly savings from raising deductible: $33
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $33
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 23 months

The chart below highlights how deductible choice and can affect Ford Focus insurance costs for each age group. The premiums assume a single female driver, comp and collision included, and no policy discounts are applied.

Irresponsible driving raises your rates

The illustration below shows how speeding tickets and at-fault accidents can influence Ford Focus premium costs for different age categories. The data is based on a single male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied.

Difference between liability only and full coverage rates

The information below shows the difference between Ford Focus insurance premiums with and without full coverage. The data assumes no claims or violations, $100 deductibles, marital status is single, and no discounts are factored in.

When to stop paying for full coverage

There is no set rule of when to stop paying for full coverage, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is 10% or more of replacement cost minus your deductible, then you might want to think about dropping full coverage.

For example, let’s say your Ford Focus replacement cost is $9,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, you would only receive $8,000 after you pay the deductible. If you are paying over $800 annually for physical damage coverage, then it may be the right time to buy liability only.

There are some circumstances where dropping full coverage is not a good plan. If you haven’t satisfied your loan, you have to carry full coverage in order to prevent your loan from defaulting. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should keep full coverage.

Learn How to Lower Your Insurance Premiums

Multiple criteria are part of the calculation when you get your auto insurance bill. Some factors are common sense like your driving record, but others are more obscure such as whether you are married and annual miles driven.

Lower your auto insurance rates with discounts

The price of auto insurance can be rather high, but there are discounts available that could drop your premiums quite a bit. A few discounts will be applied when you purchase, but once in a while a discount must be specifically requested in order for you to get them.Cheaper auto insurance with discounts

Discounts save money, but please remember that many deductions do not apply to the entire cost. Most only apply to specific coverage prices like collision or personal injury protection. So even though it sounds like adding up those discounts means a free policy, auto insurance companies aren’t that generous.

The diagram below illustrates the comparison of Ford Focus annual premium costs with and without discounts applied to the rates. The premium estimates are based on a female driver, a clean driving record, no at-fault accidents, Oklahoma state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, homeowner, marriage, claim-free, and safe-driver discounts applied.

For a list of auto insurance companies that have a full spectrum of discounts in Oklahoma City, follow this link.

Can’t I compare rates from local Oklahoma City auto insurance agents?

Some consumers just want to sit down and talk to an agent and that can be a great decision One of the benefits of price shopping on the web is the fact that drivers can get cheaper prices and still have a local agent. Buying from and supporting neighborhood agents is important especially in Oklahoma City.

Find insurance agent in Oklahoma CityFor easy comparison, once you complete this quick form, your insurance data is submitted to agents in your area who want to provide quotes for your business. You never need to leave your computer because quoted prices will be sent to your email. You’ll get the best rates and a licensed agent to talk to. If you wish to compare rates from a specific company, just go to their quote page and complete a quote there.

When narrowing the list to find a reputable agency, you need to know there are two different agency structures and how they can write your policy. Insurance agents in Oklahoma City can either be independent or exclusive.

Independent Agents (or Brokers)

These type of agents are not employed by one company so they can quote policies with multiple insurance companies and possibly get better coverage at lower prices. If premiums increase, the agent simply finds a different carrier and you won’t have to switch agencies.

When shopping rates, you should always get some free quotes from a few independent agents so that you have a good selection of quotes to compare. Many write coverage with different regional companies that may provide cheaper insurance rates.

Featured below is a list of independent agencies in Oklahoma City who can help you get pricing information.

More Oklahoma City agents

Exclusive Insurance Agents

These agents have only one company to place business with such as American Family, State Farm, and Allstate. They are unable to shop your coverage around so always compare other rates. These agents are well trained on their company’s products and that can be a competitive advantage. Many people use the same exclusive agent partially due to the brand legacy instead of buying on price only.

Below is a short list of exclusive insurance agents in Oklahoma City that are able to give price quote information.

More Oklahoma City agents

Deciding on an auto insurance agent requires more thought than just a cheap price quote. The answers to these questions are important, too.

Don’t give up on affordable rates

When getting Oklahoma City auto insurance quotes online, it’s not a good idea to sacrifice coverage to reduce premiums. There are too many instances where consumers will sacrifice liability limits or collision coverage only to find out that the savings was not a smart move. Your strategy should be to purchase a proper amount of coverage for the lowest cost but still have enough coverage for asset protection.

We’ve covered a lot of ways to get a better price on Ford Focus insurance in Oklahoma City. The key thing to remember is the more you quote Oklahoma City auto insurance, the better your chances of lowering your prices. You may even be surprised to find that the lowest priced car insurance comes from a small local company.

Cheaper Ford Focus insurance in Oklahoma City can be purchased online as well as from independent agents in Oklahoma City, so you should compare both to get a complete price analysis. Some companies may not offer price quotes online and many times these smaller providers only sell coverage through independent agencies.

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