Are you sick and tired of robbing Peter to pay Paul to buy insurance? You are in the same boat as many other Washington drivers.

Discount Ford Focus insuranceUnbelievably, almost 70% of insureds have remained with the same insurance company for more than four years, and about 40% of consumers have never even shopped around for lower-cost coverage. With the average premium in Washington being $1,200, drivers could save themselves almost 40% a year by just shopping around, but they just assume it takes a lot of time to compare other rate quotes. Insurance companies such as State Farm and GEICO all claim big savings, bombarding you with ad campaigns and it is difficult to not get sucked in by the cute commercials and do the work needed to find the best deal.

Cheap companies for Ford Focus insurance in Washington

The following companies can provide free rate quotes in Seattle, WA. If multiple companies are shown, we suggest you compare several of them in order to find the most affordable rates.

Ford Focus Insurance Cost Estimates in Seattle, WA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $122 $242 $294 $18 $88 $764 $64
Focus SE 4-Dr Sedan $180 $380 $398 $24 $120 $1,102 $92
Focus SEL 4-Dr Sedan $106 $278 $334 $20 $100 $838 $70
Focus SES 4-Dr Sedan $152 $376 $278 $16 $82 $904 $75
Focus SE 2-Dr Coupe $290 $540 $436 $26 $130 $1,422 $119
Focus SES 2-Dr Coupe $160 $376 $376 $22 $112 $1,046 $87
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Data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Table data does not factor in vehicle garaging location which can influence insurance rates significantly.

Comparison of car insurance rates by gender and age in Seattle

The example below compares Ford Focus annual premium costs for male and female drivers. The information is based on no accidents, no driving violations, comp and collision included, $1,000 deductibles, marital status is single, and no discounts are taken into consideration.

Difference between liability only and full coverage rates

The chart below shows the difference between Ford Focus premium costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The rates are based on no claims, a clean driving record, $1,000 deductibles, single female driver, and no discounts are applied.

When to stop paying for full coverage

There is no definitive guideline of when to drop comp and collision coverage, but there is a guideline you can consider. If the annual cost of your full coverage insurance is 10% or more of the vehicle's replacement cost less your deductible, then you might want to think about dropping full coverage.

For example, let's say your Ford Focus book value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would receive is $6,000 after paying the physical damage deductible. If you are paying in excess of $600 annually for your policy with full coverage, then you might consider buying liability only.

There are a few situations where dropping full coverage is not in your best interest. If you still owe a portion of the original loan, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should maintain full coverage.

Discounts mean cheaper rates for Ford Focus insurance in Seattle

Companies offering auto insurance don't necessarily list all their discounts in an easy-to-find place, so the next list breaks down both well-publicized as well as some of the hidden discounts that you can inquire about if you buy Seattle auto insurance online.

Discounts save money, but please remember that most of the big mark downs will not be given to the overall cost of the policy. Most cut the price of certain insurance coverages like comprehensive or collision. So when the math indicates all those discounts means the company will pay you, companies don't profit that way. Any amount of discount should definitely cut the amount you pay for coverage.

To see insurers who offer cheap Ford Focus insurance quotes in Seattle in Seattle, click this link.

Situations that may require an agent's advice

When choosing the right insurance coverage, there really is not a one-size-fits-all type of policy. Everyone's needs are different.

Here are some questions about coverages that might help in determining if your situation might need an agent's assistance.

If you can't answer these questions, you might consider talking to an agent. To find an agent in your area, take a second and complete this form. It is quick, free and can provide invaluable advice.

Insurance agent or online?

Certain consumers prefer to have an agent's advice. Good agents are very good at helping people manage risk and will help you if you have claims. A good thing about comparing rates online is that you can obtain cheap car insurance rates and still buy from a local agent. Buying insurance from local agents is definitely important in Seattle.

Seattle insurance agentsAfter filling out this form (opens in new window), your insurance data is sent to agents in your area who will give you bids to get your business. You won't need to search for any insurance agencies because prices are sent straight to your inbox. If you wish to get a comparison quote for a specific company, feel free to search and find their rate quote page and submit a quote form there.

When looking for a reputable insurance agent or broker, you must know there are a couple types of insurance agents from which to choose. Car insurance agencies may be either independent or exclusive depending on the company they work for. Either one can insure your vehicles properly, but it's worth mentioning how they are different because it can factor into buying decisions.

Independent Car Insurance Agents

Agents in the independent channel can quote rates with many companies and that allows them to write policies through lots of different companies and find you cheaper rates. To move your coverage to a new company, your agent can switch companies which requires no work on your part. If you are comparing rate quotes, you will want to get rate quotes from a couple of independent agencies to have the best price comparison.

The following is a list of independent insurance agents in Seattle who may provide free car insurance rate quotes.

2414 SW Andover St - Seattle, WA 98106 - (206) 937-4613 - View Map

5191 S Spencer St - Seattle, WA 98118 - (206) 965-8140 - View Map

8613 35th Ave NE - Seattle, WA 98115 - (206) 523-8660 - View Map

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Exclusive Agencies

Agents of this type work for only one company like Farmers Insurance or State Farm. They generally cannot compare other company's rates so they have no alternatives for high prices. These agents are trained well in insurance sales which helps offset the inability to provide other markets.

The following is a list of exclusive insurance agents in Seattle who can help you get rate quotes.

7104 Greenwood Ave N - Seattle, WA 98103 - (206) 784-6560 - View Map

4453 California Ave SW - Seattle, WA 98116 - (206) 932-2191 - View Map

315 N 36th St #201 - Seattle, WA 98103 - (206) 588-0559 - View Map

More insurance agents

Deciding on an car insurance agent requires you to look at more than just a cheap price quote. Ask your prospective agent these questions:

Upon getting acceptable answers to any questions you may have and a good coverage price, you've probably found an insurance agent that is reliable enough to adequately provide car insurance. Just remember you have the power to cancel your policy when you choose so don't feel that you are permanently stuck with a policy for the full term.

Big names are not always cheapest

Washington consumers can't escape the ads that promise big savings from companies such as State Farm, GEICO and Progressive. All the ads make the point that drivers will save a bundle if you get a free Seattle auto insurance quote and switch to them.

How is it possible that every company can sell you cheaper insurance coverage? This is the way they can do it.

Auto insurance companies have an ideal profile for the type of driver that will not have excessive claims. For example, a desirable insured could be a mature driver, owns a home, and drives less than 7,500 miles a year. Someone that meets those criteria will most likely get cheap rates as well as pay quite a bit less when switching companies.

Drivers who don't qualify for these standards will probably have to pay higher premium rates which leads to business going elsewhere. The trick is to say "customers that switch" not "everyone that quotes" save that much when switching. This is how companies can truthfully make the claims of big savings.

Because of the profiling, you absolutely need to compare many company's rates. It's impossible to know which company will provide the lowest Ford Focus insurance in Seattle.

Car insurance 101

Understanding the coverages of insurance aids in choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement.

Coverage for medical expenses - Med pay and PIP coverage provide coverage for short-term medical expenses for things like nursing services, pain medications, ambulance fees and dental work. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers - Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don't have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Ford Focus.

Because many people have only the minimum liability required by law (which is 25/50/10), it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Usually the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive insurance - This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like hitting a deer, hitting a bird and a tree branch falling on your vehicle. The highest amount you'll receive from a claim is the ACV or actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Collision coverage - Collision coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things such as hitting a parking meter, crashing into a building, sustaining damage from a pot hole and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from vehicles that are older. Another option is to bump up the deductible on your Focus to bring the cost down.

Liability - Liability insurance protects you from damage that occurs to people or other property in an accident. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/10 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $10,000 paid for damaged property. Some companies may use a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like funeral expenses, medical expenses, medical services and attorney fees. How much coverage you buy is a decision to put some thought into, but you should buy higher limits if possible. Washington requires minimum liability limits of 25/50/10 but it's recommended drivers buy more liability than the minimum.

Quote. Compare. Save.

In this article, we covered some good ideas how you can reduce Ford Focus insurance rates online in Seattle. The key thing to remember is the more rate quotes you have, the better your chances of lowering your auto insurance rates. Consumers may even find the best rates are with a small mutual company.

Lower-priced Ford Focus insurance in Seattle can be bought on the web and from local agencies, and you should compare price quotes from both in order to have the best price selection to choose from. There are still a few companies who don't offer online rate quotes and usually these smaller companies provide coverage only through independent insurance agencies.

When getting Seattle auto insurance quotes online, you should never reduce coverage to reduce premium. Too many times, drivers have reduced collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your goal is to purchase plenty of coverage for the lowest cost, not the least amount of coverage.

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