Comparison shopping for more affordable Ford Focus insurance in Long Beach can seem to be hard for beginners to shopping for insurance online. When there are so many online companies available, it can easily turn into a difficult situation to locate the lowest price in California.
How to find the cheapest rates for Ford Focus insurance in Long Beach
If you want to save the most money, the best way to quote cheaper Ford Focus insurance in Long Beach is to start doing an annual price comparison from companies who sell insurance in California. Prices can be compared by following these guidelines.
- First, try to learn about policy coverages and the measures you can take to prevent rate increases. Many policy risk factors that are responsible for high rates such as traffic violations, accidents, and a substandard credit history can be controlled by improving your driving habits or financial responsibility. This article provides additional tips to get low prices and find more discounts that you may not know about.
- Second, compare rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can provide rates from one company like GEICO and State Farm, while independent agents can provide price quotes for a wide range of insurance providers. View a list of agents
- Third, compare the quotes to the premium of your current policy to see if cheaper Focus coverage is available in Long Beach. If you find a lower rate quote and switch companies, ensure coverage does not lapse between policies.
A valuable tip to remember is to make sure you enter identical coverages on each price quote and and to compare as many car insurance companies as possible. This helps ensure the most accurate price comparison and a complete price analysis.
A study showed that the vast majority of drivers have purchased from the same company for at least the last four years, and almost half have never compared rates with other companies. California consumers could save almost 35% each year just by getting comparison quotes, but most just don’t grasp how much they could save if they bought a different policy.
It’s a good idea to do rate comparisons occasionally because auto insurance prices are usually higher with each renewal. Despite the fact that you may have had the best quotes on Ford Focus insurance in Long Beach a couple years back you can probably find a lower rate today. Ignore everything you know about auto insurance because we’re going to demonstrate the best way to buy cheaper Ford Focus insurance in Long Beach.
Quoting the most affordable auto insurance coverage in Long Beach is not as hard as you think. Virtually every person who needs cheaper auto insurance most likely will find a lower-cost policy. But California car owners can benefit by having an understanding of how the larger insurance companies price online insurance and take advantage of how the system works.
To get affordable Long Beach auto insurance quotes, there a variety of ways of comparing rate quotes from different Long Beach insurance companies. The easiest way by far to find affordable Ford Focus insurance rates consists of obtaining rate quotes online.
It’s important to know that comparing more rates from different companies increases your odds of finding the best price.
The car insurance companies shown below provide free rate quotes in California. If multiple companies are listed, it’s a good idea that you visit several of them in order to find the most affordable rates.
Insurance statistics for a Ford Focus
The coverage table displayed next covers a range of policy rates for Ford Focus models. Learning a little about how premiums are formulated can assist in making decisions on which coverage to buy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Focus S 4-Dr Sedan||$288||$564||$450||$26||$134||$1,462||$122|
|Focus SE 4-Dr Sedan||$288||$564||$450||$26||$134||$1,462||$122|
|Focus SEL 4-Dr Sedan||$288||$664||$450||$26||$134||$1,562||$130|
|Focus SES 4-Dr Sedan||$288||$664||$450||$26||$134||$1,562||$130|
|Focus SE 2-Dr Coupe||$332||$664||$510||$30||$152||$1,688||$141|
|Focus SES 2-Dr Coupe||$332||$664||$510||$30||$152||$1,688||$141|
|Get Your Own Custom Quote Go|
Price data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Premium amounts do not factor in vehicle garaging location which can alter coverage rates substantially.
Ford Focus insurance discounts in Long Beach
Insurance is expensive, but there’s a good chance there are discounts to help bring down the price. Some discounts will apply when you complete an application, but less common discounts must be specifically requested prior to getting the savings.
- Discount for Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.
- 55 and Retired – If you qualify as a senior citizen, you can possibly qualify for lower premium rates.
- No Accidents – Long Beach drivers who stay claim-free get the best insurance rates compared to drivers with a long claim history.
- Discount for Home Ownership – Just being a homeowner can save a few bucks since owning and maintaining a home requires a higher level of personal finance.
- Early Signing – A few insurance companies offer discounts for renewing your policy prior to the expiration date on your current Focus insurance policy. This can save 10% or more.
It’s important to note that most credits do not apply to the entire cost. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates you can get free auto insurance, company stockholders wouldn’t be very happy.
The example below shows the difference between Ford Focus insurance rates with and without discounts. The prices are based on a female driver, a clean driving record, no at-fault accidents, California state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, homeowner, marriage, claim-free, and multi-car discounts applied.
Some of the insurance companies that may offer quotes with some of the above discounts are:
When quoting, ask every prospective company how you can save money. Depending on the company, some discounts may not apply everywhere. If you would like to choose from a list of insurance companies with the best discounts in California, follow this link.
Choosing Focus insurance is an important decision
Despite the high cost of buying insurance for a Ford Focus in Long Beach, buying auto insurance serves several important purposes.
First, most states have mandatory liability insurance requirements which means you are required to buy a specific level of liability in order to license the vehicle. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if you have a lien on your car, it’s guaranteed your bank will force you to carry insurance to guarantee loan repayment. If you cancel or allow the policy to lapse, the bank will be required to insure your Ford for a much higher rate and force you to reimburse them much more than you were paying before.
Third, insurance safeguards both your assets and your Ford. Insurance will pay for many types of medical costs for not only you but also any passengers injured in an accident. One policy coverage, liability insurance, also pays expenses related to your legal defense in the event you are sued. If damage is caused by hail or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to have it repaired.
The benefits of carrying enough insurance more than cancel out the cost, especially with large liability claims. Despite what companies tell you, the average driver overpays as much as $855 a year so it’s recommended you shop around at every policy renewal to make sure the price is not too high.
Which is the best car insurance?
Keep in mind that when it comes to choosing insurance from an agent or online for your vehicles, there really is not a “best” method to buy coverage. Every insured’s situation is different so this has to be addressed.
Here are some questions about coverages that could help you determine whether you would benefit from professional advice.
- Is my nanny covered when transporting my kids?
- Does my policy cover my teen driver if they drive my company car?
- Do I get a pro-rated refund if I cancel my policy early?
- What is GAP insurance?
- Should I buy full coverage?
- What should my uninsured motorist coverage limits be in California?
- Will damage be repaired with OEM parts?
If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area.
Insurance agents can find coverage gaps
A small number of people prefer to go talk to an agent and there is nothing wrong with that. One of the great benefits of price shopping on the web is that you can find cheap rate quotes and still choose a local agent. And supporting local agencies is still important in Long Beach.
By using this short form, the quote information is sent to agents in your area that can provide free Long Beach auto insurance quotes for your insurance coverage. There is no need to contact any insurance agencies as quotes are delivered instantly to you. You can get cheaper insurance rates without requiring a lot of work. If you need to compare rates from a specific insurance provider, you just need to navigate to their website and submit a quote form there.
If you are searching for a reputable agency, it’s important to understand the types of insurance agents to choose from. Insurance agencies are categorized either independent or exclusive depending on the company they work for.
Independent Agents (or Brokers)
Agents of this type are not restricted to one company and that enables them to quote your coverage with lots of companies depending on which coverage is best. To transfer your coverage to a different company, they can switch companies in-house which makes it simple for you.
If you are comparing rate quotes, it’s recommended you contact several independent insurance agents so that you can do a thorough price comparison. Many write coverage with smaller mutual companies that can offer cheaper rates than bigger companies.
Shown below are Long Beach independent insurance agents that may be able to give free rate quotes.
- Greg D. Pyle Auto, Home, Commercial Insurance Long Beach
3777 Long Beach Blvd #500 – Long Beach, CA 90802 – (562) 436-3200 – View Map
- Integrity Now Insurance Brokers, Inc.
6285 E Spring St – Long Beach, CA 90808 – (562) 606-1030 – View Map
- Global Guard Insurance
1310 Pine Ave d – Long Beach, CA 90813 – (562) 591-5181 – View Map
Exclusive Insurance Agencies
Agents that choose to be exclusive have only one company to place business with and some examples include Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agents cannot provide rate quotes from other companies so they really need to provide good service. Exclusive agents are highly trained on what they offer which helps them sell on service rather than price. Drivers often buy insurance from these agents partially due to the brand legacy and solid financial strength.
The following is a list of exclusive agencies in Long Beach who can help you get price quotes.
- Jon Wiedenman – State Farm Insurance Agent
2750 N Bellflower Blvd #208 – Long Beach, CA 90815 – (562) 420-6469 – View Map
- Jose Olguin – State Farm Insurance Agent
4464 California Pl – Long Beach, CA 90807 – (562) 427-2014 – View Map
- Brad Garofalo – State Farm Insurance Agent
2221 Palo Verde Ave Ste 2D – Long Beach, CA 90815 – (562) 280-0488 – View Map
Picking the best insurance agency is decision based upon more than just the premium amount. The answers to these questions are important, too.
- How are claims handled?
- Is every driver in your family covered?
- Does the company use OEM repair parts?
- What is the agency’s Better Business Bureau rating?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- What is the financial rating for the quoted company?
- Do they offer claims assistance after hours?
Once you have answers to your satisfaction in addition to an acceptable price estimate, chances are good that you have found an auto insurance agent that meets the requirements to insure your vehicles. But remember, it’s your policy and you can cancel a policy any time you want so don’t think that you are obligated to any particular company with no way out.