Searching for cheaper insurance for your Ford Focus in Texas could be an all-consuming task, but you can use our car insurance buying tips to make it easier.

There is a better way to compare car insurance rates so we're going to tell you the quickest way to quote coverages for your Ford and find the lowest price from San Antonio insurance agents and online providers.

Insurance rates Ford Focus in San AntonioA recent survey discovered that most car insurance buyers have purchased from the same company for four years or more, and approximately 38% of consumers have never compared rate quotes at all. Most drivers in San Antonio could pocket $1,800 a year, but most undervalue the amount of savings they would get if they moved their coverage to a different company.

It's a good habit to price shop coverage quite often because car insurance prices are rarely the same from one policy term to another. If you had the lowest rates on Ford Focus insurance in San Antonio a few years ago other companies may now be cheaper. Forget all the misinformation about car insurance because we're going to show you the fastest way to find better rates and still maintain coverage.

Comparison shopping for affordable policy in San Antonio can be fairly easy. If you're already insured or are looking for a new policy, take advantage of these tips to reduce premiums and possibly find even better coverage. You just have to understand the least time-consuming way to compare prices instantly.

Cheapest auto insurance in San Antonio, TX

The companies in the list below have been selected to offer comparison quotes in Texas. If multiple companies are listed, we recommend you click on several of them to get the best price comparison.

Ford Focus Insurance Cost Estimates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $136 $306 $430 $26 $128 $1,026 $86
Focus SE 4-Dr Sedan $220 $492 $358 $22 $108 $1,200 $100
Focus SEL 4-Dr Sedan $246 $684 $430 $26 $128 $1,514 $126
Focus SES 4-Dr Sedan $122 $306 $358 $22 $108 $916 $76
Focus SE 2-Dr Coupe $206 $462 $452 $26 $136 $1,282 $107
Focus SES 2-Dr Coupe $298 $642 $444 $26 $132 $1,542 $129
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Data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Rate information does not factor in zip code location which can alter rates noticeably.

Deductible comparison

When comparing auto insurance rates, the most common question is which deductibles should you choose. The rates shown below determine how much more rates are when you select higher and lower coverage deductibles. The first table uses a $100 deductible for physical damage and the second price grid uses a $1,000 deductible.

Ford Focus insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $286 $592 $382 $22 $114 $1,421 $118
Focus SE 4-Dr Sedan $286 $592 $382 $22 $114 $1,421 $118
Focus SEL 4-Dr Sedan $286 $698 $382 $22 $114 $1,527 $127
Focus SES 4-Dr Sedan $286 $698 $382 $22 $114 $1,527 $127
Focus SE 2-Dr Coupe $328 $698 $430 $26 $128 $1,635 $136
Focus SES 2-Dr Coupe $328 $698 $430 $26 $128 $1,635 $136
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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 $158 $312 $382 $22 $114 $988 $82
Focus SE 4-Dr Sedan $158 $312 $382 $22 $114 $988 $82
Focus SEL 4-Dr Sedan $158 $368 $382 $22 $114 $1,044 $87
Focus SES 4-Dr Sedan $158 $368 $382 $22 $114 $1,044 $87
Focus SE 2-Dr Coupe $182 $368 $430 $26 $128 $1,134 $95
Focus SES 2-Dr Coupe $182 $368 $430 $26 $128 $1,134 $95
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Rate quotes do not factor in vehicle location which can revise premium rates considerably.

Based on these figures, using a $100 deductible costs an average of $39 more each month or $468 every year than buying the higher $1,000 deductible. Since you would have to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have at a minimum 23 months between claim filings, you would probably save some money if you choose the higher deductible.

Ford Focus insurance rates: Men versus women

The information below illustrates the difference between Ford Focus insurance prices for male and female drivers. Data assumes no claims or driving violations, comprehensive and collision coverage, $250 deductibles, drivers are not married, and no discounts are factored in.

Save a ton by getting discounts

Insurance can be prohibitively expensive, but there are discounts available that can dramatically reduce your bill. Some of these discounts will be visible when you get a quote, but a few must be asked about prior to receiving the credit. If you do not double check each discount possible, you are paying more than you should be.Cheaper insurance with discounts

You can save money using discounts, but some credits don't apply to the whole policy. Most only cut the price of certain insurance coverages like comp or med pay. So when it seems like having all the discounts means you get insurance for free, company stockholders wouldn't be very happy.

Popular insurance companies and a selection of discounts are detailed below.

Check with each company or agent to apply every possible discount. Some discounts listed above might not be offered on policies in San Antonio. To view insurers that offer multiple discounts in Texas, click this link.

Smart Consumers Can Lower Their Insurance Premiums

Lots of things are taken into consideration when you quote your car insurance policy. Most are fairly basic such as your driving history, but some are not as apparent like where you live or how safe your car is.

Performance affects rates - The make and model of the car, truck or SUV you are trying to find cheaper insurance for makes a substantial difference in your auto insurance rates. The most favorable rates are generally reserved for economy passenger cars, but there are many factors that impact the final cost. Since the Ford Focus is considered a passenger car, rates will be similar in price or lower than the average rate where you live in San Antonio.

Youthful drivers cost more - Youthful drivers in Texas are known to be easily distracted with other occupants in the car and because of this, their car insurance rates are much higher. Adding a inexperienced driver onto your car insurance can be very expensive. Older insureds are viewed as being more responsible, tend to cause fewer accidents, and usually have better credit.

Only buy what you need - Policies have additional coverages that may not really be needed if you aren't diligent. Insurance for things like vanishing deductibles, accidental death, and Farm Bureau memberships are some examples. These coverages may sound good initially, but your needs may have changed so eliminate the coverages to reduce your premium.

Don't cut corners with liability insurance - Your policy's liability coverage will afford coverage in the event that a jury decides you are liable for an accident. This coverage provides legal defense up to the limits shown on your policy. It is affordable coverage as compared to coverage for physical damage, so do not cut corners here.

You might get higher premiums if you are single - Getting married may earn you lower rates on your car insurance policy. Having a significant other usually means you are more stable financially and insurance companies like that married drivers tend to have fewer serious accidents.

More policies can equal more savings - Most larger insurance companies will give better rates for people that have more than one policy. It's known as a multi-policy discount. The discount can be anywhere from five to ten percent in most cases. Even if you're getting this discount drivers will still want to compare Ford Focus rates in San Antonio to help ensure you have the lowest rates.There is a good possibility that you can find better rates by buying car insurance from a different company.

Ford Focus claim data - Insurers take into consideration historical loss data for every vehicle to help calculate premium rates. Vehicles that have a trend towards higher claim severity or frequency will cost more for coverage. The information below illustrates the insurance loss data used by companies for Ford Focus vehicles.

For each coverage type, the statistical loss for all vehicles, regardless of make or model, is equal to 100. Values that are under 100 suggest a positive loss record, while percentages above 100 indicate more frequent claims or tendency to have larger claims.

Car Insurance Loss Data for Ford Focus Models

Make and 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
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Compare rate quotes but buy from a neighborhood San Antonio auto insurance agent

A lot of people just prefer to sit down and talk to an agent and we recommend doing that Experienced insurance agents can point out coverage gaps and will help you if you have claims. One of the benefits of comparing rate quotes online is that you can find cheaper auto insurance rates and still have an agent to talk to. Supporting neighborhood insurance agencies is still important in San Antonio.

To find an agent, once you fill out this form (opens in new window), the quote information is sent to local insurance agents in San Antonio who can give free rate quotes to get your business. It makes it easy because there is no need to leave your house since price quotes are sent immediately to your email address. If you want to quote rates from a specific insurance company, feel free to navigate to their website and give them your coverage information.

Below is a list of auto insurance companies in San Antonio that may be willing to give rate quotes for Ford Focus insurance in San Antonio.

View more San Antonio agents

Selecting an insurance company needs to be determined by more than just the price. Any good agent in San Antonio should know the answers to these questions.

Quote. Compare. Save.

People who switch companies do it for many reasons like policy cancellation, high prices, unfair underwriting practices and poor customer service. No matter why you want to switch, finding the right car insurance provider is easier than you think.

When you buy San Antonio car insurance online, it's a bad idea to skimp on coverage in order to save money. There have been many situations where an insured dropped uninsured motorist or liability limits and found out when filing a claim they didn't purchase enough coverage. Your goal should be to purchase plenty of coverage at an affordable rate.

In this article, we covered many ways to find cheaper Ford Focus insurance in San Antonio. The most important thing to understand is the more providers you compare, the better your chances of lowering your prices. Consumers may even find the biggest savings come from a company that doesn't do a lot of advertising.

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