Car Insurance Rates for a Ford Focus in Cleveland

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It takes a few minutes, but the best way to find the cheapest price for Ford Focus insurance in Cleveland is to compare prices at least once a year from insurance carriers that insure vehicles in Ohio. Drivers can shop around by completing these steps.

First, take a little time to learn about how auto insurance works and the factors you can control to keep rates low. Many factors that increase rates like inattentive driving and a not-so-good credit history can be amended by paying attention to minor details. Later in this article we will cover additional ideas to get low prices and find available discounts that you may qualify for.

Second, get rate quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only quote rates from a single company like GEICO or Farmers Insurance, while independent agents can quote rates for many different companies.

Third, compare the price quotes to your current policy premium and determine if cheaper Focus coverage is available in Cleveland. If you find a lower rate and buy the policy, make sure coverage is continuous and does not lapse.

One piece of advice is to use the same liability limits and deductibles on every quote request and and to get price estimates from as many carriers as you can. Doing this helps ensure an accurate price comparison and a complete selection of prices.

Insurance rates Ford Focus in ClevelandInconceivable but true, most car insurance policyholders kept their policy with the same company for more than four years, and nearly half have never compared rates to find cheaper insurance. Ohio drivers could save as much as 55% every year by just shopping around, but they don't want to spend time to save money by comparing rate quotes.

If you have a policy now, you should be able to find better prices using these techniques. Our objective is to instruct you on how car insurance quotes work and some tips to save money. Nevertheless, Ohio drivers need to have an understanding of the way insurance companies calculate your policy premium because rates are impacted by many factors.

Best companies for Ford Focus insurance

The providers in the list below provide quotes in Cleveland, OH. If multiple companies are listed, it's highly recommended you click on several of them in order to get a fair rate comparison.

Auto insurance statistics and figures

The coverage table displayed next outlines a range of insurance prices for Ford Focus models. Having insight into how auto insurance prices are determined can help drivers make decisions on the best policy to buy.

Ford Focus Insurance Rates in Cleveland, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $132 $292 $214 $12 $64 $714 $60
Focus SE 4-Dr Sedan $132 $292 $214 $12 $64 $714 $60
Focus SEL 4-Dr Sedan $132 $344 $214 $12 $64 $766 $64
Focus SES 4-Dr Sedan $132 $344 $214 $12 $64 $766 $64
Focus SE 2-Dr Coupe $150 $344 $242 $14 $72 $822 $69
Focus SES 2-Dr Coupe $150 $344 $242 $14 $72 $822 $69
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Prices above based on married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Table data does not factor in the specific area where the vehicle is garaged which can affect coverage rates substantially.

Should you raise deductibles?

One of the more difficult decisions when buying auto insurance is how high should the physical damage deductibles be. The following tables may aid in understanding the differences in premium rates between high and low coverage deductibles. The first table uses a $250 deductible for comprehensive and collision coverage and the second rate table uses a $500 deductible.

Ford Focus insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $152 $296 $226 $14 $68 $781 $65
Focus SE 4-Dr Sedan $152 $296 $226 $14 $68 $781 $65
Focus SEL 4-Dr Sedan $152 $348 $226 $14 $68 $833 $69
Focus SES 4-Dr Sedan $152 $348 $226 $14 $68 $833 $69
Focus SE 2-Dr Coupe $176 $348 $256 $16 $76 $897 $75
Focus SES 2-Dr Coupe $176 $348 $256 $16 $76 $897 $75
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Ford Focus insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $124 $238 $226 $14 $68 $670 $56
Focus SE 4-Dr Sedan $124 $238 $226 $14 $68 $670 $56
Focus SEL 4-Dr Sedan $124 $280 $226 $14 $68 $712 $59
Focus SES 4-Dr Sedan $124 $280 $226 $14 $68 $712 $59
Focus SE 2-Dr Coupe $142 $280 $256 $16 $76 $770 $64
Focus SES 2-Dr Coupe $142 $280 $256 $16 $76 $770 $64
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Table data does not factor in specific garaging location which can alter premium rates significantly.

We can derive from the above data that using a $250 deductible costs roughly $10 more each month or $120 for a full year than opting for the higher $500 deductible. Because you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you tend to have more than 25 months between claim filings, you would most likely save money if you opt for a higher deductible. Here is a better example of how you can make this decision for your own policy.

Average monthly premium for $250 deductibles: $70
Average monthly premium for $500 deductibles (subtract): - $60
Monthly savings from raising deductible: $10
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $10
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 25 months

An important thing to remember is that raising deductibles to get cheaper rates results in having to pay to pay more out-of-pocket when you have a claim. You will want to have enough money in the bank in the event you need to pay the deductible for vehicle repair.

The chart below shows how choosing a deductible and can influence Ford Focus insurance costs for each age group. The information is based on a single female driver, comprehensive and collision coverage, and no other discounts are factored in.

Insurance rate increases from tickets or accidents

The example below shows how violations and fender-benders can influence Ford Focus insurance costs for each age group. The prices are based on a single female driver, comp and collision included, $100 deductibles, and no other discounts are factored in.

Lower Your Cleveland Insurance Prices

Lots of factors are taken into consideration when you get a price on insurance. Some are obvious like an MVR report, but other criteria are not quite as obvious such as whether you are married or your commute time. Part of the car insurance buying process is learning some of the things that aid in calculating your premiums. If you have a feel for what determines base rates, this allows you to make educated decisions that will entitle you to big savings.

Listed below are some of the items utilized by car insurance companies to help set your premiums.

  • Put fewer miles on your vehicle - The more you drive annually the more you will pay for car insurance. Most insurance companies charge rates based upon how the vehicle is primarily used. Cars and trucks not used for work or commuting get more affordable rates than those that get driven frequently. Improper usage on your Focus can cost quite a bit. Make sure your car insurance declarations sheet states the correct usage.
  • Car insurance rates and your job - Do you work in a high-stress field? Careers such as fire fighters, airline pilots, and accountants generally have higher average rates in part from job stress and incredibly demanding work hours. On the other hand, occupations such as scientists, historians and performers generally pay rates lower than average.
  • Car plus home equals more savings - Most major companies provide lower prices to buyers who carry more than one policy, otherwise known as a multi-policy discount. If you currently are using one company, it's always a smart idea to comparison shop to help guarantee you have the best rates.
  • Pay more out-of-pocket - Deductibles for physical damage define how much you are willing to pay if you file a covered claim. Insurance for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Some instances where coverage would apply are rear-ending another vehicle, hail damage, and having a roll-over accident. The larger the amount you're willing to pay, the bigger discount you will receive.
  • Loss probability for a Ford Focus - Companies analyze past claim statistics when setting premium prices. Models that the data shows to have a trend towards higher claim severity or frequency will cost more to insure. The table below outlines the historical insurance loss data for Ford Focus vehicles.

    For each coverage category, the claim probability for all vehicles, regardless of make, model or trim level, is a value of 100. Percentage numbers below 100 indicate a favorable loss history, while numbers above 100 indicate a higher chance of having a claim or an increased likelihood of larger losses.

    Ford Focus Insurance Loss Statistics
    Vehicle 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
    BETTER
    AVERAGE
    WORSE

    Empty fields indicate not enough data collected
    Statistics from IIHS.org for 2013-2015 Model Years

Score discounts on Cleveland car insurance

The price of auto insurance can be rather high, but there could be significant discounts that could help you make your next renewal payment. Most are applied when you get a quote, but a few need to be specifically requested before you will receive the discount.Cheaper car insurance with discounts

  • Senior Citizens - Older drivers may receive lower premium rates.
  • Driver's Ed - It's a good idea to have your young drivers successfully complete driver's ed class in school.
  • Low Mileage Discounts - Keeping the miles down on your Ford could be rewarded with lower prices on the low mileage vehicles.
  • Cleveland Homeowners Discount - Just owning your own home can get you a discount since owning and maintaining a home is proof that your finances are in order.
  • Driver Safety - Passing a defensive driving course may get you a small discount and easily recoup the cost of the course.

Remember that most discount credits are not given to the overall cost of the policy. Most only apply to the price of certain insurance coverages like comprehensive or collision. Even though it may seem like it's possible to get free car insurance, it doesn't quite work that way.

The example below shows the difference between Ford Focus auto insurance costs with and without discounts applied to the rates. The premiums are based on a male driver, no violations or accidents, Ohio state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, claim-free, marriage, homeowner, and safe-driver discounts applied.

A few of the larger companies and a summarized list of policyholder discounts can be found below.

  • State Farm discounts include multiple autos, anti-theft, Drive Safe & Save, Steer Clear safe driver discount, and good driver.
  • Farmers Insurance has savings for distant student, youthful driver, early shopping, homeowner, and teen driver.
  • Progressive offers premium reductions for homeowner, multi-vehicle, good student, online signing, and continuous coverage.
  • GEICO may include discounts for defensive driver, driver training, anti-lock brakes, daytime running lights, anti-theft, multi-vehicle, and military active duty.
  • Auto-Owners Insurance has discounts for good student, teen driver, multiple vehicles, paid in full, paperless, and anti-theft.
  • The Hartford may have discounts that include bundle, driver training, anti-theft, defensive driver, vehicle fuel type, good student, and air bag.
  • Farm Bureau offers discounts including multi-policy, 55 and retired, multi-vehicle, good student, youthful driver, renewal discount, and driver training.
  • USAA may offer discounts for family discount, multi-policy, multi-vehicle, new vehicle, vehicle storage, good student, and loyalty savings.

Before you buy a policy, ask each company or agent to apply every possible discount. A few discounts might not be available to policyholders in Cleveland. To locate companies that can offer you the previously mentioned discounts in Cleveland, click this link.

Compare prices but buy from a local Cleveland insurance agent

A lot of people would prefer to get professional advice from a licensed agent and doing so can bring peace of mind The biggest benefit of getting free rate quotes online is that drivers can save money and get cheap insurance rates and still have an agent to talk to.

After completing this short form, the coverage information is transmitted to agents in your area who will return price quotes for your insurance coverage. You won't even need to contact an agency because prices are sent to you directly. You'll get the best rates and an insurance agent to talk to. If you need to get a price quote from one company in particular, don't hesitate to visit that company's website and submit a quote form there.

Selecting an insurance company shouldn't rely on just the price. These are some questions you should get answers to.

  • Is the agent CPCU or CIC certified?
  • Do they have cheaper tiers of coverage?
  • Can they provide you with a list of referrals?
  • Will high miles depreciate repair valuations?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?

If you would like to find a reliable agent, it can be helpful to understand the types of agencies from which to choose. Cleveland agents can be classified as either independent agents or exclusive agents depending on their employer.

Exclusive Insurance Agents

Agents of this type normally can only provide a single company's rates such as AAA, Allstate, and State Farm. These agents are unable to provide other company's prices so keep that in mind. Exclusive agencies are well trained in insurance sales which helps them sell insurance even at higher premiums. Consumers often buy insurance from these agents primarily because of loyalty to the company rather than low price.

Below are exclusive agents in Cleveland willing to provide rate quotes.

View more Cleveland agents

Independent Agents

These agents are not locked into one company and that allows them to write policies through many companies and possibly get better coverage at lower prices. If they quote lower rates, your agent can switch companies and you don't have to do anything.

If you are comparing rate quotes, it's a good idea to get rate quotes from several independent insurance agents to maximize your price options. Most also write with companies that do not advertise much that may provide cheaper insurance rates.

Listed below are independent agents in Cleveland that can give you price quote information.

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Upon getting answers to your satisfaction to all your questions as well as cheaper Focus insurance quotes, it's a good possibility that you have found a car insurance agent that is reputable and can provide insurance coverage.

Cleveland auto insurance company ratings

Picking the top car insurance provider is hard considering how many different companies sell coverage in Ohio. The company ratings listed below may help you pick which providers you want to consider purchasing a policy from.

Cleveland, Ohio Auto Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
Titan Insurance 89 91 83 86% A+ 89.3
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
Erie Insurance 92 90 82 88% A+ 88.5
Mercury Insurance 87 95 87 84% A+ 88.3
The Hartford 87 89 84 87% A+ 88
Esurance 84 88 85 83% A+ 86
Farmers Insurance 79 88 84 87% A 84.7
The General 88 80 85 80% A- 84.5
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Data Source: Insure.com Best Car Insurance Companies

Do the work, save more money

You just learned many tips how you can shop for Ford Focus insurance online. It's most important to understand that the more quotes you get, the better your comparison will be. Consumers could even find that the lowest priced auto insurance comes from a small mutual company.

Insureds leave their current company for a variety of reasons including high prices, not issuing a premium refund, lack of trust in their agent or being labeled a high risk driver. Whatever your reason, finding a new company is pretty simple and you could end up saving a buck or two.

Cheap Ford Focus insurance in Cleveland can be found both online in addition to many Cleveland insurance agents, so you need to quote Cleveland car insurance with both to have the best selection. Some insurance companies may not have the ability to get a quote online and many times these smaller companies only sell coverage through independent agencies.

More detailed auto insurance information is located in these articles: