It is needless to say that for teen, young and new drivers ford focus insurance rates are going to be substantially high and the reasons for that are quite obvious. With less experience behind the driving wheel and tendency to violate traffic rules as well as higher probability of meeting with accidents, the coverage risks increase for insurers. This increased risk is compensated by charging of lofty premiums by companies.
|Age||Average Annual Rates|
From the above table, it is quite evident that the yearly cost of ford focus st insurance for 18 year old driver could be around $ 4,090 which is about $2,837 higher than that which is paid by a 40 year old driver. But still, there could be some ways to save money on your ford focus insurance.
One of the simplest methods to totally cut down on the cost of a ford focus vehicle insurance is to get your name added to your parent’s existing auto insurance policy. Such a proposition would not require you to buy a separate insurance cover. To learn more about other alternatives that can save money, it could be worthwhile to talk to one of our competent local car insurance advisors. To fix free consultation with a certified and highly experienced agent in your neighbourhood, just complete an easy online application form now!
Apart from driver’s age, there could be several other factors which may impact the overall insurance cost for ford focus cars. Here is some vital information regarding the same which may be of interest to you.
|State/City||Yearly Insurance Premium|
|Los Angeles, CA||$2,285|
|New York, NY||$2,111|
|Small overlap front: driver-side||Acceptable|
|Small overlap front: passenger-side||Not Tested|
|Moderate overlap front||Good|
|Head restraints and seats||Good|
|2018 Ford Focus RS 5 HB AWD||5 stars||4 stars||5 stars||4 stars|
|2018 Ford Focus Bev 5 HB FWD||N/R||N/R||N/R||5 stars|
|2018 Ford Focus 5 HB FWD||5 stars||5 stars||5 stars||4 stars|
|2018 Ford Focus 4 DR FWD||5 stars||5 stars||5 stars||4 stars|
|2017 Ford Focus RS 5 HB AWD||5 stars||4 stars||5 stars||4 stars|
|2017 Ford Focus Bev 5 HB FWD||N/R||N/R||N/R||5 stars|
|2017 Ford Focus 5 HB FWD||5 stars||5 stars||5 stars||4 stars|
|2017 Ford Focus 4 DR FWD||5 stars||5 stars||5 stars||4 stars|
|2016 Ford Focus RS 5 HB AWD||N/R||N/R||N/R||N/R|
|2016 Ford Focus Bev 5 HB FWD||N/R||N/R||N/R||5 stars|
|2016 Ford Focus 5 HB FWD||5 stars||5 stars||5 stars||4 stars|
|2016 Ford Focus 4 DR FWD||5 stars||5 stars||5 stars||4 stars|
|Insurance Coverage Category||Loss Rates Percentage|
The possibility of saving money on ford focus insurance for 17 year old or less drivers is less. But if you have some sort of driving history then you may be much better placed to explore the probability of determining your eligibility to get discount. Nevertheless, there could be few ways that can enable you to save money on premium. Here is some vital information pertaining to the same which you might find extremely useful.
The following 4 important safety features can deeply influence ford focus st insurance 19 year old or less drivers’ rates. This is primarily on account of the fact that they serve to lessen the coverage risks faced by insurance providers. As a result, most of the insurers extend premium discount.
A number of variables go into determination of insurance premiums for Ford Focus vehicles. On an average, drivers in the U.S. pay around $ 1,675 yearly to get Ford Focus cars insured. But again, the cost can vary for individual drivers; they may be lower or even higher. First and foremost, the auto insurance rates are determined on the basis of the Ford Focus make and model. Other factors such as safety features in these cars, their crash test ratings as well as market prices of parts and components might also play a crucial role in determining overall affordability of Ford Focus car insurance rates.
On the whole, most of the Ford Focus car models are known to have “good” crash test ratings except for one particular model, the2016 Ford Focus RS 5 HB AWD version. The ratings are assigned by the Insurance Institute for Highway Safety (IIHS) for all Ford Focus car versions up to the year 2018. A “good” crash test rating implies greatly reduced financial or coverage risk for insurers. Besides, there may be few other factors that can affect insurance rates offered for Ford Focus vehicles. It is vital that you have some knowledge regarding the same.
The cost of spare parts and some crucial components can affect insurance rates provided for any type of car. If the parts/components are expensive to replace then the repair costs could be high. As Ford Focus has been discontinued, getting genuine parts and components can be challenging as they might be easily available. Scarcity of parts and components leads to hike in pricing thereby driving up the repair costs as well. However, since all Ford Focus cars are produced in the U.S., the parts and components of newer models could be cheaper as compared to imported car parts. With older Ford Focus versions, scarcity of parts and components is expected and so, they will likely be more expensive.
However, as all Ford Focus cars come standard with numerous advanced safety features, the overall financial risks faced by insurers are drastically reduced. Safety features such as Airbags, Optional lane departure warning, Lane departure prevention and Blind spot detection and warning greatly reduces the risk of bodily injuries for drivers and probability of meeting with an accident. This may a go a long way in ensuring reduction of Ford Focus auto insurance costs. To learn more about how much will be your Ford Focus insurance cost, talk to an expert today!
Andy Walker is a content writer for the AtoZ Insurance USA who specializes in the insurance and finance niches. He has been working as a freelance writer from several years, and has experience with a variety of content writing formats. Andy is a highly skilled writer who is able to produce quality content that is both informative and engaging.
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