Affordable Insurance for a Ford Focus in Kansas City

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Insurance for Ford FocusFinding better insurance prices for your Ford Focus in Missouri can be a painful process, but you can learn a few tricks and make it easy. There are more efficient ways to compare auto insurance rates and we'll show you the quickest way to get price quotes for a new or used Ford and find the lowest price from both online companies and Kansas City agents.

It's important to get comparison quotes quite often because auto insurance prices change regularly. If you had the best rates on Ford Focus insurance in Kansas City a year ago there may be better deals available now. Forget anything you know (or think you know) about auto insurance because you're going to get a crash course in the only way to save money, get proper coverage and the best rates.

Why Your Insurance Costs might be higher

Multiple criteria are used when you get your auto insurance bill. Some of the criteria are obvious like a motor vehicle report, but some are not as apparent like where you live and annual miles driven. One of the most helpful ways to save on car insurance is to to have a grasp of some of the elements that are used to determine your policy premiums. If you have a feel for what determines base rates, this allows you to make educated decisions that may reward you with big savings.

High coverage deductibles cost less - Insurance for physical damage to your car, also called 'full coverage', protects your Ford from damage. Examples of covered claims are a dented fender, damage caused by hail, or theft. Comp and collision deductibles tell how much you are willing to pay in the event of a claim. The more you choose to pay out-of-pocket, the less your car insurance will be.

Insurance claims cost money - If you tend to file frequent claims, you shouldn't be surprised to get either a policy non-renewal or much higher rates. Insurance companies in Missouri award most affordable rates to people who do not rely on their insurance for small claims. Your insurance policy is intended for larger claims.

Higher premiums for specific employers - Did you know your job can affect your rates? Jobs like military generals, police officers, and dentists generally pay higher rates than average attributed to high stress levels and long work days. On the flip side, careers like farmers, students and retirees generally pay rates lower than average.

Save money by having high credit - Having a bad credit rating can be an important factor in determining what you pay for car insurance. Therefore, if your credit rating is not that good, you could be paying less to insure your Ford Focus if you improve your credit rating. Insureds with excellent credit tend to be better risks to insure as compared to drivers with lower credit scores.

Ford Focus insurance loss data - Insurance companies use past insurance losses when setting premium rates. Models that tend to have higher losses will cost more for coverage.

The table below demonstrates the loss history for Ford Focus vehicles. For each insurance policy coverage type, the claim probability for all vehicles, regardless of manufacturer or model, equals 100. Values below 100 mean the vehicle has better than average losses, while numbers that are greater than 100 indicate higher probability of having a loss or an increased chance of a larger loss.

Ford Focus Insurance Claim 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 Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Cutting your Kansas City insurance rates is a fairly straight forward process. Consumers just need to invest a little time comparing price quotes online with multiple companies.

The providers in the list below can provide price quotes in Kansas City, MO. If your goal is to find cheap auto insurance in Kansas City, MO, we suggest you visit two to three different companies to get a more complete price comparison.

Rates and detailed analysis

The rate information shown below outlines detailed analysis of policy rates for Ford Focus models. Having a better idea how car insurance prices are determined helps drivers make smart policy decisions.

Ford Focus Insurance Rates in Kansas City, MO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $142 $274 $272 $16 $82 $786 $66
Focus SE 4-Dr Sedan $142 $274 $272 $16 $82 $786 $66
Focus SEL 4-Dr Sedan $142 $322 $272 $16 $82 $834 $70
Focus SES 4-Dr Sedan $142 $322 $272 $16 $82 $834 $70
Focus SE 2-Dr Coupe $162 $322 $308 $18 $92 $902 $75
Focus SES 2-Dr Coupe $162 $322 $308 $18 $92 $902 $75
Get Your Own Custom Quote Go

Data variables include married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Missouri minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Information does not factor in garaging location in Kansas City which can change auto insurance rates substantially.

Policy deductibles

When shopping for insurance, a common question is how high should the deductibles for physical damage be. The data tables below outline the rate differences when you select higher and lower physical damage deductibles. The first set of prices uses a $250 physical damage deductible and the second data table uses a $1,000 deductible.

Ford Focus insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $180 $346 $266 $16 $80 $913 $76
Focus SE 4-Dr Sedan $180 $346 $266 $16 $80 $913 $76
Focus SEL 4-Dr Sedan $180 $408 $266 $16 $80 $975 $81
Focus SES 4-Dr Sedan $180 $408 $266 $16 $80 $975 $81
Focus SE 2-Dr Coupe $206 $408 $302 $18 $90 $1,049 $87
Focus SES 2-Dr Coupe $206 $408 $302 $18 $90 $1,049 $87
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Ford Focus insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $110 $218 $266 $16 $80 $690 $58
Focus SE 4-Dr Sedan $110 $218 $266 $16 $80 $690 $58
Focus SEL 4-Dr Sedan $110 $258 $266 $16 $80 $730 $61
Focus SES 4-Dr Sedan $110 $258 $266 $16 $80 $730 $61
Focus SE 2-Dr Coupe $128 $258 $302 $18 $90 $796 $66
Focus SES 2-Dr Coupe $128 $258 $302 $18 $90 $796 $66
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Rate quotes do not factor in your specific Kansas City location which can lower or raise rates significantly.

Based on this data, we can arrive at the conclusion that using a $250 deductible costs an average of $19 more each month or $228 a year averaged for all Focus models than buying the higher $1,000 deductible. Since you would have to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you average more than 39 months between claims, you would come out ahead if you decide on a higher deductible.

How to calculate deductible break even point

Average monthly premium for $250 deductibles: $81
Average monthly premium for $1,000 deductibles (subtract): - $62
Monthly savings from raising deductible: $19
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $19
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 39 months

An important thing to remember is that increasing deductibles to lower your rates means you will have to pay more when you have a comprehensive or collision claim. You need to have some money saved in order to pay more to get your vehicle repaired.

The information below highlights how deductible selection and can change Ford Focus insurance costs for different age groups. The costs are based on a married female driver, comprehensive and collision coverage, and no policy discounts are applied.

Age, gender, and Ford Focus insurance

The diagram below shows the comparison of Ford Focus insurance rates for male and female drivers. The prices are based on no claims or driving citations, comprehensive and collision coverage, $100 deductibles, drivers are not married, and no discounts are factored in.

Three main reasons to buy insurance

Even though it can be expensive, insurance serves several important purposes.

  • Almost all states have mandatory insurance requirements which means you are required to carry a minimum amount of liability insurance if you drive a vehicle. In Missouri these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
  • If you have a lien on your vehicle, it's most likely the lender will make it a condition of the loan that you have comprehensive coverage to guarantee payment of the loan. If you do not pay your insurance premiums, the lender may have to buy a policy to insure your Ford at a more expensive rate and force you to reimburse them for it.
  • Insurance preserves not only your car but also your assets. It will also cover medical bills for not only you but also any passengers injured in an accident. As part of your policy, liability insurance will also pay for a defense attorney if you are sued as the result of your driving. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive coverages will pay to repair the damage minus the deductible amount.

The benefits of carrying enough insurance are without a doubt worth the cost, particularly if you ever have a claim. According to a recent study, the average American driver overpays more than $865 each year so shop around every year to be sure current rates are still competitive.

Lower-cost Kansas City auto insurance quotes with discounts

Companies don't necessarily list every possible discount very clearly, so the list below gives a summary of a few of the more common as well as the least known discounts you could be receiving when you buy Kansas City auto insurance online.Auto insurance discounts

  • Mature Driver Discount - Mature drivers can get a small discount on rates.
  • Defensive Driving Course - Taking a course teaching driver safety skills can save you 5% or more and easily pay for the cost of the class.
  • Safe Driver Discount - Drivers who avoid accidents may receive a discount up to 45% compared to accident prone drivers.
  • Clubs and Organizations - Belonging to a qualifying organization is a good way to get lower rates when getting a Kansas City auto insurance quote.
  • Drive Less and Save - Driving less may enable drivers to earn lower premium rates on the low mileage vehicles.
  • Discount for Life Insurance - Select insurance carriers reward you with lower auto insurance rates if you buy auto and life insurance together.
  • Bundled Policy Discount - When you combine your homeowners and auto insurance and insure them both with the same insurance company you could get a discount of 10% to 20% off each policy.
  • Online Discount - Some of the larger companies will discount your bill up to fifty bucks just for signing your application over the internet.
  • First Accident Forgiveness - Not necessarily a discount, but companies like GEICO, Progressive, and Allstate permit an accident without getting socked with a rate hike with the catch being you have to be claim-free for a specific time period.

Policy discounts save money, but most discounts do not apply to the overall cost of the policy. Some only apply to specific coverage prices like collision or personal injury protection. So even though you would think it's possible to get free car insurance, insurance companies wouldn't stay in business.

The chart below shows the comparison of Ford Focus insurance premiums with and without policy discounts. The premiums are based on a male driver, no tickets, no at-fault accidents, Missouri state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, safe-driver, multi-car, homeowner, and multi-policy discounts applied.

Some companies that may have many of the previously listed discounts include:

If you are trying to find low cost Kansas City auto insurance quotes, ask all the companies which credits you are entitled to. Depending on the company, some discounts may not be available in Kansas City. To see insurance companies that offer discounts in Missouri, click this link.

Buying from auto insurance agents

Some people just prefer to buy from a licensed agent and doing so can bring peace of mind Experienced insurance agents can answer important questions and help file insurance claims. A nice benefit of getting free rate quotes online is the fact that drivers can get the best rates and still choose a local agent.

Once you complete this short form, your coverage information is immediately sent to agents in your area who will return price quotes to get your business. It simplifies rate comparisons since you won't have to visit any agencies because quoted prices will be sent to your email. If you want to get a rate quote for a specific company, you can always go to their quote page and complete a quote there.

Picking an company is decision based upon more than just the premium amount. Any agent in Kansas City should have no problem answering these questions:

  • How long has their agency been open in Kansas City?
  • Do they have 24-hour customer assistance?
  • Do the coverages you're quoting properly cover your vehicle?
  • Does the quote include credit and driving reports?
  • Will their companies depreciate repairs to your car based on the mileage?

If you need to find a reliable agent, it's helpful to know the types of agencies and how they function. Insurance agents are classified as either exclusive or independent. Both types of agents can write insurance policies, but it's a good idea to understand how they are different since it can impact your agent selection.

Exclusive Insurance Agents

Agents that choose to be exclusive write business for a single company and some examples include State Farm, Allstate, or Farmers Insurance. Exclusive agents cannot provide prices from multiple companies so they have no alternatives for high prices. Exclusive insurance agents are usually well trained on the products they sell which helps them sell insurance even at higher premiums. Consumers frequently use the same exclusive agent mostly because of loyalty to the company and solid financial strength.

Below are exclusive insurance agencies in Kansas City willing to provide price quote information.

More Kansas City agents

Independent Insurance Agencies

These agents do not have single company limitations so they can insure your vehicles with any number of different companies and find you the best rates. If your agent finds better pricing, your agent can just switch to a different company and you don't have to switch agencies. When comparing rate quotes, you definitely need to contact a couple of independent agencies to get the best comparison. Most also write with different regional companies that may provide cheaper insurance rates.

Shown below are Kansas City independent insurance agencies that can give you comparison quotes.

More Kansas City agents

Once you have received reasonable responses to your questions as well as an affordable premium quote, you may have just found an insurance agency that can be relied on to service your policy. Just remember you can always cancel a policy for any reason so never assume that you are permanently stuck with any specific company for a certain time period.

Your auto insurance coverage should be tailored to you

When choosing the best auto insurance coverage for your vehicles, there really is not a perfect coverage plan. Everyone's needs are different so your insurance should reflect thatHigher deductibles save money For example, these questions may help you determine whether you will benefit from professional help.

  • What happens if I owe more than my Ford Focus is worth?
  • Can I use my car for my catering business?
  • Do I need more liability coverage?
  • Is my custom stereo system covered?
  • Do I need motorclub coverage?
  • Is water damage covered by my policy?
  • Why do I only qualify for high-risk insurance?

If it's difficult to answer those questions, you may need to chat with an insurance agent. To find lower rates from 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 may give you better protection.

Shop smart and save

Cheap Ford Focus insurance in Kansas City is available on the web in addition to local insurance agencies, so you need to quote Kansas City auto insurance with both so you have a total pricing picture. There are still a few companies who do not provide price quotes online and usually these small, regional companies provide coverage only through independent agents.

As you prepare to switch companies, never reduce needed coverages to save money. There are too many instances where an accident victim reduced collision coverage only to regret at claim time that the few dollars in savings costed them thousands. Your objective should be to purchase a proper amount of coverage at a price you can afford, but don't skip important coverages to save money.

We just showed you some good ideas how you can lower your Ford Focus insurance rates in Kansas City. The key thing to remember is the more quotes you get, the higher your chance of finding affordable Ford Focus insurance quotes. You may even be surprised to find that the best rates are with a small mutual company. Regional companies may only write in your state and offer lower car insurance rates as compared to the big name companies such as Allstate, GEICO and Progressive.

Steps to buying lower priced Ford Focus insurance in Kansas City

If your goal is the lowest price, then the best way to get more affordable Ford Focus insurance is to regularly compare price quotes from different companies who sell auto insurance in Kansas City.

  • First, get a basic knowledge of how insurance companies determine prices and the things you can change to prevent rate increases. Many things that result in higher prices like traffic citations, accidents, and poor credit history can be eliminated by making lifestyle changes or driving safer.
  • Second, request price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can provide rates from one company like GEICO or Farmers Insurance, while agents who are independent can provide rate quotes for many different companies.
  • Third, compare the new quotes to your existing rates to determine if switching companies saves money. If you find a better price and change companies, make sure coverage does not lapse between policies.

An important part of this process is to use identical coverage information on each price quote and and to get prices from as many companies as possible. This enables a level playing field and the best price selection.

For more information, take a look at the resources below: