Insurance quote for Ford Focus in HoustonHow long has it been since you sat down and looked for cheaper Ford Focus insurance in Houston? I really doubt anyone looks forward to buying insurance, particularly when the cost is way too high.

A recent survey discovered that most Texas insurance customers kept their policy with the same company for more than four years, and virtually 40% of consumers have never quoted rates to find lower-cost coverage. American drivers could save 47% every year just by shopping around, but they won't spend time to find lower-cost insurance rates.

Online insurance companies like Allstate, Progressive and GEICO promote their brand names with ad campaigns and it is challenging if not impossible to see through the deception and find the best price available.

If you're already insured, you stand a good chance to be able to find better prices using the concepts covered in this article. Locating the most cost-effective car insurance policy in Houston is much easier if you know where to start. Although Texas car owners benefit from understanding the way companies determine premium rates because it varies considerably.

The quickest method to get policy rate comparisons for Ford Focus insurance in Houston is to know most insurance companies pay for the opportunity to give you rate quotes. All consumers are required to do is provide a small amount of information like your occupation, whether you are married, any included safety features, and distance driven. The rating information is instantly sent to insurance companies and they provide comparison quotes quickly.

If you would like to start a quote now, click here then complete the form.

The car insurance companies shown below provide price quotes in Texas. If multiple companies are listed, we recommend you compare several of them to get the best price comparison.

Ford Focus Insurance Rates in Houston, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $200 $422 $366 $22 $110 $1,120 $93
Focus SE 4-Dr Sedan $180 $392 $400 $24 $120 $1,116 $93
Focus SEL 4-Dr Sedan $180 $462 $430 $26 $128 $1,226 $102
Focus SES 4-Dr Sedan $154 $360 $388 $24 $116 $1,042 $87
Focus SE 2-Dr Coupe $282 $660 $560 $34 $168 $1,704 $142
Focus SES 2-Dr Coupe $176 $360 $440 $26 $132 $1,134 $95
Get Your Own Custom Quote Go

Data rating is based on married female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Estimates do not factor in specific garaging location which can lower or raise insurance rates greatly.

Higher deductibles lower rates

The chart below illustrates how choosing a deductible and can influence Ford Focus insurance premiums for different age groups. The rates are based on a married male driver, comprehensive and collision coverage, and no discounts are applied to the premium.

Difference between full coverage and liability only rates

The information below illustrates the comparison of Ford Focus auto insurance rates with and without physical damage coverage. The costs are based on a clean driving record, no at-fault accidents, $1,000 deductibles, married female driver, and no discounts are factored in.

When to drop comprehensive and collision coverage

There is no specific rule of when to eliminate full coverage, but there is a general guideline you can use. If the annual cost of coverage is 10% or more of the vehicle's replacement cost less your deductible, then it may be the right time to buy liability only.

For example, let's assume your Ford Focus replacement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, you would only receive $4,000 after paying your policy deductible. If you are paying over $400 a year for physical damage coverage, then you might want to consider buying only liability coverage.

There are some circumstances where removing full coverage is not in your best interest. If you still have a lienholder on your title, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if you can't afford to buy a different vehicle in case of an accident, you should not remove full coverage.

Responsible drivers pay cheaper auto insurance rates

The diagram below demonstrates how traffic citations and fender-benders drive up Ford Focus insurance premiums for each different age category. The premiums are based on a single male driver, full physical damage coverage, $500 deductibles, and no discounts are taken into consideration.

Take policy discounts and save on Ford Focus insurance in Houston

Auto insurance is expensive, but you can get discounts that you may not know about. Some trigger automatically at the time of purchase, but a few must be inquired about before they will apply.Discount auto insurance

One last thing about discounts, many deductions do not apply to all coverage premiums. Most only cut specific coverage prices like liability, collision or medical payments. Despite the appearance that adding up those discounts means a free policy, auto insurance companies aren't that generous.

Large auto insurance companies and some of the premium reductions they offer are outlined below.

If you need the cheapest Ford Focus rate quotes, ask all companies you are considering which discounts they offer. Savings may not apply to policies in Houston.

Why you need insurance for your Ford vehicle

Even though Houston Focus insurance rates can get expensive, buying insurance is not optional due to several reasons.

First, just about all states have mandatory insurance requirements which means you are required to buy a minimum amount of liability coverage in order to drive the car legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you have a loan on your Ford Focus, almost all lenders will require that you have physical damage coverage to protect their interest in the vehicle. If you do not pay your insurance premiums, the bank may buy a policy for your Ford at a much higher rate and force you to pay for the expensive policy.

Third, insurance protects both your vehicle and your assets. It will also reimburse you for hospital and medical expenses incurred in an accident. Liability insurance will also pay for a defense attorney if someone files suit against you as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, your insurance policy will cover the damage repairs after a deductible is paid.

The benefits of buying insurance definitely exceed the price paid, especially when you need to use it. According to a 2015 survey, the average American driver is currently overpaying as much as $865 each year so compare rates at every renewal to save money.

You may need specialized auto insurance coverage

When quoting and choosing proper insurance coverage, there is no "perfect" insurance plan. Each situation is unique.Higher deductibles save money

These are some specific questions could help you determine whether you might need professional guidance.

If it's difficult to answer those questions but you know they apply to you, you may need to chat with an insurance agent. If you don't have a local agent, complete this form.

Compare rates but still have a local neighborhood Houston car insurance agent

Many drivers still prefer to have an agent's advice and that is just fine! One of the benefits of comparing rate quotes online is that you can obtain the best rates but still work with a licensed agent. And supporting local insurance agencies is important especially in Houston.

Find insurance agent in HoustonTo make it easy to find an agent, after completing this short form, your information is immediately sent to companies in Houston who will gladly provide quotes for your coverage. You don't have to leave your house due to the fact that quote results will go to the email address you provide. You can find lower rates and an insurance agent to talk to. If you have a need to get a price quote from a particular provider, you would need to jump over to their website and submit a quote form there.

If you need to find a good Houston insurance agent, it's helpful to know the different types of agencies and how they can quote your rates. Insurance agents are considered either independent (non-exclusive) or exclusive.

Independent Insurance Agencies or Brokers

Agents in the independent channel are not employed by one company so they can quote policies with a variety of different insurance companies and find the cheapest rate. If you want to switch companies, they simply switch companies in-house without you having to go to a different agency. If you are comparing insurance prices, you will definitely want to get insurance quotes from several independent agencies to have the best price comparison.

Featured below is a small list of independent agents in Houston that can give you cheap rate quotes.


1020 Bay Area Blvd # 100 - Houston, TX 77058 - (281) 488-2733 - View Map


9405 Huffmeister Rd #110 - Houston, TX 77095 - (281) 345-2580 - View Map


8624 Long Point Rd - Houston, TX 77055 - (713) 827-1277 - View Map

View more Houston agents

Exclusive Agents

These type of agents can only provide pricing for a single company like State Farm, AAA, and Liberty Mutual. They generally cannot give you multiple price quotes so keep that in mind. They receive a lot of sales training on their company's products which can be an advantage.

Listed below are exclusive agencies in Houston that can give you rate quotes.


7035 Hwy 6 N - Houston, TX 77095 - (281) 550-0555 - View Map


3405 Mercer St - Houston, TX 77027 - (713) 626-7500 - View Map


2575 S Dairy Ashford Rd m - Houston, TX 77077 - (281) 496-5330 - View Map

View more Houston agents

Picking an car insurance agent is decision based upon more than just the quoted price. The following questions are important to ask.

Once you have satisfactory answers to any questions you have and a good coverage price, most likely you have located an auto insurance agent that can service your policy.