Discount Ford Focus insuranceWant to learn how to find the cheapest car insurance rates in Tacoma, WA? Tacoma consumers have a choice when looking for the best price on Ford Focus insurance. You can either waste hours contacting agents trying to get quotes or use the internet to compare rates. There is a right way and a wrong way to shop for car insurance so you're going to learn the quickest way to compare rates on a Ford and find the cheapest rates.

The companies in the list below are ready to provide quotes in Tacoma, WA. If multiple providers are shown, it's a good idea that you visit as many as you can to get a more complete price comparison.

Ford Focus Insurance Costs in Tacoma, WA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $246 $564 $398 $24 $120 $1,352 $113
Focus SE 4-Dr Sedan $138 $304 $310 $18 $92 $862 $72
Focus SEL 4-Dr Sedan $212 $610 $384 $22 $114 $1,342 $112
Focus SES 4-Dr Sedan $184 $364 $386 $22 $116 $1,072 $89
Focus SE 2-Dr Coupe $208 $416 $344 $20 $102 $1,090 $91
Focus SES 2-Dr Coupe $160 $358 $376 $22 $112 $1,028 $86
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Rate quotes do not factor in specific zip code location which can affect premiums noticeably.

Higher deductibles save money

One of the most common car insurance questions is how high or low should comp and collision deductibles be. The comparison tables below determine the difference in cost of buying low and high coverage deductibles. The first table uses a $100 physical damage deductible and the second rate chart uses a $500 deductible.

Ford Focus insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $222 $458 $294 $18 $88 $1,105 $92
Focus SE 4-Dr Sedan $222 $458 $294 $18 $88 $1,105 $92
Focus SEL 4-Dr Sedan $222 $540 $294 $18 $88 $1,187 $99
Focus SES 4-Dr Sedan $222 $540 $294 $18 $88 $1,187 $99
Focus SE 2-Dr Coupe $254 $540 $334 $20 $100 $1,273 $106
Focus SES 2-Dr Coupe $254 $540 $334 $20 $100 $1,273 $106
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Ford Focus insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $162 $310 $294 $18 $88 $872 $73
Focus SE 4-Dr Sedan $162 $310 $294 $18 $88 $872 $73
Focus SEL 4-Dr Sedan $162 $364 $294 $18 $88 $926 $77
Focus SES 4-Dr Sedan $162 $364 $294 $18 $88 $926 $77
Focus SE 2-Dr Coupe $186 $364 $334 $20 $100 $1,004 $84
Focus SES 2-Dr Coupe $186 $364 $334 $20 $100 $1,004 $84
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Price information does not factor in Tacoma location which can decrease or increase insurance rates greatly.

Based on this data, we can arrive at the conclusion that using a $100 deductible would cost the average driver about $21 more each month or $252 a year than requesting the higher $500 deductible. Due to the fact that you would have to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you tend to average at a minimum 19 months between claim filings, you would save more money by selecting a higher deductible.

Car insurance premiums by gender

The chart below shows the difference between Ford Focus car insurance costs for male and female drivers. The information is based on a clean driving record, no at-fault accidents, full physical damage coverage, $250 deductibles, marital status is single, and no discounts are taken into consideration.

Full coverage rates compared to liability-only

The illustration below shows the difference between Ford Focus car insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The prices are based on no claims or violations, $250 deductibles, single female driver, and no additional discounts are factored in.

Guidelines for dropping full coverage

There is no definitive formula of when to exclude full coverage, but there is a guideline you can use. If the annual cost of comprehensive and collision 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 $4,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company will settle for is $3,000 after you pay the deductible. If you are paying more than $300 a year for comprehensive and collision coverage, then it could be time to drop full coverage.

There are some conditions where only buying liability is not in your best interest. If you haven't satisfied your loan, you have to keep full coverage as part of the loan conditions. Also, if you can't afford to buy a different vehicle if your current one is in an accident, you should keep full coverage in place.

Get affordable rates on Ford Focus insurance in Tacoma with these auto insurance discounts

Companies don't always list all available discounts very well, so the next list breaks down both the well known and also the more inconspicuous credits available to bring down your rates.Discount auto insurance

One last thing about discounts, some credits don't apply to the entire policy premium. Most only cut specific coverage prices like liability, collision or medical payments. Even though it appears having all the discounts means you get insurance for free, companies wouldn't make money that way.

Companies that may include some of the discounts shown above possibly include:

It's a good idea to ask each company which discounts you may be entitled to. All car insurance discounts may not apply to policyholders in your area. If you would like to choose from a list of insurance companies that have a full spectrum of discounts in Tacoma, click this link.

Why you need to buy insurance

Despite the fact that insurance is not cheap in Tacoma, insurance is required in Washington but it also protects you in many ways.

The benefits of having insurance are without a doubt worth the cost, particularly for liability claims. According to a recent study, the average American driver overpays as much as $869 every year so you should quote rates at every policy renewal to save money.

When in doubt talk to an agent

Always keep in mind that when comparing insurance from an agent or online for your personal vehicles, there is no one-size-fits-all type of policy. Each situation is unique.Safe vehicles cost less to insure

Here are some questions about coverages that may help you determine whether or not you might need professional guidance.

If you don't know the answers to these questions then you might want to talk to an insurance agent. If you don't have a local agent, complete this form. It is quick, free and can provide invaluable advice.

Local Tacoma insurance agents

Many drivers just want to go talk to an agent and that is a personal choice. Good agents can help determine the best coverages and help file insurance claims. An additional benefit of comparing rates online is that you can obtain the best rates and still have a local agent.

Find insurance agent in TacomaFor easy comparison, once you complete this short form, your insurance coverage information is instantly submitted to participating agents in Tacoma who will return price quotes for your coverage. There is no need to leave your house because prices are sent straight to your inbox. In the event you want to compare rates from a specific insurance provider, you would need to find their quoting web page and complete a quote there.

Choosing the best insurer shouldn't rely on just a low price. These are some questions you should get answers to.

Shown below is a list of car insurance companies in Tacoma that can give you rate quotes for Ford Focus insurance in Tacoma.

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Once you have reasonable responses to these questions and an acceptable price quote, you may have found an insurance company that is professional and can properly insure your vehicles.