Are you doing reasearch to find lower-priced Ford Focus insurance in Montgomery? Are you irritated from scraping the payment together to keep your car insured? You are in the same boat as the majority of other people in Alabama.
Unbelievable but true according to a study a large majority of consumers kept buying from the same company for at least four years, and approximately 40% of consumers have never even compared rates from other companies. Drivers in the U.S. could save $860 every year by just comparing quotes, but they just don't understand how easy it is to save money by comparing rate quotes. Popular companies such as State Farm, GEICO and Farmers Insurance all claim big savings with ad campaigns and it is difficult to see past the corporate glitz and find the best price available.
It's important to compare premium rates every six months because prices trend upward over time. Despite the fact that you may have had the lowest quotes on Ford Focus insurance in Montgomery on your last policy you can probably find a lower rate today. You can search a lot of Focus insurance online, but we're going to give you some guaranteed methods to reduce your insurance bill.
Best companies for Ford Focus insurance
The companies shown below are our best choices to provide price quotes in Montgomery, AL. If several companies are displayed, it's a good idea that you visit several of them to find the cheapest auto insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Focus S 4-Dr Sedan||$158||$348||$382||$22||$114||$1,024||$85|
|Focus SE 4-Dr Sedan||$108||$230||$318||$18||$94||$768||$64|
|Focus SEL 4-Dr Sedan||$206||$476||$348||$20||$104||$1,154||$96|
|Focus SES 4-Dr Sedan||$280||$760||$456||$26||$136||$1,658||$138|
|Focus SE 2-Dr Coupe||$256||$596||$462||$28||$138||$1,480||$123|
|Focus SES 2-Dr Coupe||$164||$346||$358||$22||$108||$998||$83|
|Get Your Own Custom Quote Go|
Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Alabama minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Estimates do not factor in specific zip code location which can affect rates greatly.
The chart below illustrates how your deductible choice and can raise or lower Ford Focus insurance costs for each different age category. The rate quotes are based on a single female driver, full coverage, and no discounts are applied.
Don't neglect these five discounts
Some providers don't always advertise every discount they offer in a way that's easy to find, so we took the time to find some of the best known and also the lesser-known credits available to bring down your rates. If you do not check that you are getting every discount available, you're paying more than you need to.
- Membership in Organizations - Belonging to qualifying clubs or civic groups can get you a small discount on your bill.
- Air Bag Discount - Factory options such as air bags or automatic seat belts can get savings of 25 to 30%.
- Pay Upfront and Save - If you pay your bill all at once instead of making monthly payments you could save up to 5%.
- Military Rewards - Being deployed with a military unit may lower your prices slightly.
- Early Renewal Discounts - Some insurance companies provide a discount for switching companies before your current expiration date. It could save around 10% when you buy Montgomery car insurance online.
Discounts lower rates, but some of the credits will not apply to your bottom line cost. Most cut individual premiums such as liability, collision or medical payments. So even though it sounds like adding up those discounts means a free policy, that's just not realistic.
Larger car insurance companies and a partial list of their discounts are:
- Progressive has savings for continuous coverage, homeowner, multi-policy, good student, and multi-vehicle.
- GEICO discounts include federal employee, driver training, membership and employees, good student, multi-vehicle, military active duty, and defensive driver.
- State Farm may offer discounts for defensive driving training, anti-theft, Drive Safe & Save, passive restraint, safe vehicle, and accident-free.
- Esurance offers discounts including emergency road assistance, good student, renters, multi-car, Switch & Save, homeowner, and defensive driver.
- The Hartford includes discounts for anti-theft, driver training, vehicle fuel type, air bag, defensive driver, and good student.
When getting a coverage quote, ask every company which discounts they offer. Some of the earlier mentioned discounts might not be offered on policies in Montgomery. To see providers that provide some of the discounts listed above in Montgomery, click this link.
Car insurance agents can help
Many people still prefer to have an agent's advice and that is a smart decision Licensed agents are trained risk managers and help submit paperwork. A nice benefit of comparing rate quotes online is you may find cheaper rates and still have an agent to talk to.
To make it easy to find an agent, after completing this short form, your coverage information is transmitted to companies in Montgomery who will gladly provide quotes for your insurance coverage. You won't need to contact any agents because quoted prices will be sent to the email address you provide. If you have a need to compare prices from a specific company, you can always jump over to their website and submit a quote form there.
Finding the right insurance company needs to be determined by more than just a cheap quote. Here are some questions you should ask.
- Which family members are covered?
- Do they review policy coverages at every renewal?
- Are claim adjusters local or do you have to take your car somewhere else?
- Do they specialize in personal lines coverage in Montgomery?
- How many years have they been established?
- Does the agency have a positive business rating?
- Where would glass claims be handled in Montgomery?
- Is the quote a firm price?
Do you need an independent or exclusive car insurance agent?
If you're trying to find a reliable agent, there are a couple of different agency structures that you can select. Montgomery agents are categorized either exclusive or independent (non-exclusive). Either can sell affordable car insurance policies, but we need to point out the difference in the companies they write for since it can affect your selection of an agent.
Exclusive Insurance Agencies
Exclusive agents work for only one company such as Farmers Insurance, State Farm, or Allstate. These agents are not able to compare rates from other companies so they have no alternatives for high prices. Exclusive agents are highly trained on sales techniques which helps them sell insurance even at higher premiums.
Below are exclusive agencies in Montgomery willing to provide price quotes.
Gordon Hudson - State Farm Insurance Agent
2135 Taylor Rd - Montgomery, AL 36117 - (334) 244-0408 - View Map
Independent Agents (or Brokers)
Agents that elect to be independent do not work for one specific company and that enables them to quote your coverage with an assortment of companies and get the cheapest rates. If prices rise, they simply switch companies in-house and the insured can keep the same agent.
If you are comparing car insurance prices, you definitely need to get some free quotes from several independent agencies for maximum quote selection.
The following is a list of independent agents in Montgomery willing to provide price quotes.
Alabama Credit Collection Agency
5295 Vaughn Rd - Montgomery, AL 36116 - (334) 239-7488 - View Map
After you get good answers to these questions as well as offering an affordable quote, you may have just found an auto insurance agent that can be trusted to adequately provide car insurance.
Do drivers who switch really save?
Alabama drivers can't get away from ads that promise big savings by 21st Century, Allstate and State Farm. All the ads try to convey promises that drivers will save a bundle after switching to their company.
It sounds good, but how can they all cost less than your current company? This is how they do it.
Car insurance companies quote their best rates for a prospective insured that earns them the highest profit. For instance, a profitable risk profile could possibly be between 30 and 50, has a clear driving record, and does not commute to work. Anybody that hits that "sweet spot" will get very good Montgomery auto insurance rates and have a good chance to save money with a new company.
Insureds who do not fit the requirements will be quoted more expensive rates which translates to the customer buying from someone else. The trick is to say "drivers who switch" but not "all drivers who get quotes" can get the lowest rates when switching. That's the way companies can make the claims of big savings. Each company has different criteria, so you really need to do a quote comparison often. It's just not possible to know the company that will have the lowest rate quotes.
Which policy gives me the best coverage?
When it comes to choosing coverage online or from an agent for your personal vehicles, there isn't really a "perfect" insurance plan. Your financial needs are unique so this has to be addressed. For example, these questions may help you determine whether you might need professional guidance.
- Does my personal policy cover me when driving out-of-state?
- Why am I required to get a high-risk car insurance policy?
- What if I owe more than I can insure my car for?
- What are good deductibles for a Ford Focus?
- Is my teenager covered with friends in the car?
- Is my camper covered for physical damage?
If you don't know the answers to these questions but one or more may apply to you then you might want to talk to an insurance agent. If you don't have a local agent, fill out this quick form or go to this page to view a list of companies. It's fast, doesn't cost anything and can help protect your family.
Coverages available on your policy
Having a good grasp of your insurance policy aids in choosing the right coverages for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement. These are typical coverages found on the average insurance policy.
Protection from uninsured/underinsured drivers
Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don't have enough coverage. It can pay for medical payments for you and your occupants and damage to your Ford Focus.
Since many Alabama drivers only carry the minimum required liability limits (25/50/25), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.
Medical expense insurance
Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as nursing services, surgery, dental work and funeral costs. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible
Comprehensive (Other than Collision)
Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive coverage pays for claims such as hitting a bird, vandalism, hail damage and damage from getting keyed. The maximum amount you'll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it's not worth carrying full coverage.
This will cover damages or injuries you inflict on other's property or people that is your fault. This insurance protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 which means $25,000 in coverage for each person's injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.
Liability coverage protects against things like attorney fees, pain and suffering, legal defense fees and emergency aid. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible. Alabama state minimum liability requirements are 25/50/25 but it's recommended drivers buy more coverage.
Auto collision coverage
This coverage pays to fix your vehicle from damage resulting from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision can pay for claims such as damaging your car on a curb, crashing into a building, sustaining damage from a pot hole, colliding with a tree and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It's also possible to raise the deductible on your Focus to save money on collision insurance.
Shop around and save
We just presented some good ideas how you can get a better price on Ford Focus insurance in Montgomery. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. You may even be surprised to find that the best premium rates are with an unexpected company. Some small companies can often insure niche markets at a lower cost than their larger competitors like Allstate or State Farm.
As you shop your coverage around, never buy poor coverage just to save money. Too many times, an accident victim reduced physical damage coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to buy the best coverage you can find at the best possible price but still have enough coverage for asset protection.