Auto Insurance Rates for a Ford Focus in Anchorage

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Ford Focus insurance cost
Ford Focus insurance cost image courtesy of QuoteInspector.com

If you want to save money, the best way to find better pricing on car insurance rates is to compare quotes once a year from insurers in Anchorage.

  1. Get an understanding of how insurance works and the measures you can take to prevent expensive coverage. Many rating criteria that cause high rates such as multiple speeding tickets and a bad credit rating can be controlled by making minor changes to your lifestyle.
  2. Request rate estimates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only quote rates from one company like Progressive or State Farm, while independent agencies can provide price quotes for a wide range of insurance providers.
  3. Compare the quotes to your existing coverage and see if there is a cheaper rate. If you find a lower rate and make a switch, ensure there is no coverage lapse between policies.
  4. Provide notification to your current company of your decision to cancel your current policy. Submit a down payment along with a signed application to the new insurer. As soon as coverage is bound, place the new certificate of insurance in your vehicle.

A good piece of advice is that you'll want to make sure you compare the same coverage limits and deductibles on every price quote and and to get rate quotes from as many car insurance companies as possible. Doing this provides the most accurate price comparison and the best price selection.

Discount Ford Focus insuranceEveryone knows that car insurance companies want to keep your business as long as possible. Consumers who compare other prices will most likely buy a new policy because there is a great chance of finding a policy with better rates. A recent survey revealed that drivers who compared rates once a year saved $72 a month compared to drivers who never compared rates.

If finding the cheapest price on insurance is why you're reading this, then having an understanding of how to shop and compare car insurance can help make the process easier.

The best way we recommend to compare insurance rates from multiple companies takes advantage of the fact most larger insurance companies pay for the opportunity to compare rate quotes. To begin a comparison, all you need to do is provide a small amount of information including whether you are single or married, if you are currently licensed, if a SR-22 is needed, and driver details. That rating data is instantly provided to many highly-rated insurers and you will receive price estimates almost instantly.

To start a rate quote now, click here and find out if lower rates are available in Anchorage.

The following companies provide quotes in Anchorage, AK. To find cheap car insurance in AK, it's a good idea that you compare several of them to get a more complete price comparison.

Car insurance does more than just protect your car

Despite the high cost of buying insurance for a Ford Focus in Anchorage, insurance may not be optional for several reasons.

First, most states have mandatory liability insurance requirements which means it is punishable by state law to not carry specific limits of liability insurance coverage if you drive a vehicle. In Alaska these limits are 50/100/25 which means you must have $50,000 of bodily injury coverage per person, $100,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you have a lien on your vehicle, most banks will make it mandatory that you have full coverage to guarantee payment of the loan. If coverage lapses or is canceled, the bank may insure your Ford at a much higher premium rate and make you pay for the much more expensive policy.

Third, insurance safeguards both your Ford Focus and your personal assets. Insurance will pay for many types of medical costs for you, any passengers, and anyone injured in an accident. Liability coverage, the one required by state law, also covers all legal expenses up to the policy limit in the event you are sued. If you have damage to your Ford as the result of the weather or an accident, your policy will pay all costs to repair after the deductible has been paid.

The benefits of carrying adequate insurance more than offset the price you pay, especially when you need to use it. The average driver in America overpays more than $810 a year so we recommend shopping around each time the policy renews to make sure the price is not too high.

Coverage analysis

The rate information shown next covers a range of coverage costs for Ford Focus models. Knowing how car insurance prices are formulated can assist in making informed decisions when shopping around for a new policy.

Ford Focus Insurance Rates in Anchorage, AK
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $158 $350 $256 $16 $76 $856 $71
Focus SE 4-Dr Sedan $158 $350 $256 $16 $76 $856 $71
Focus SEL 4-Dr Sedan $158 $414 $256 $16 $76 $920 $77
Focus SES 4-Dr Sedan $158 $414 $256 $16 $76 $920 $77
Focus SE 2-Dr Coupe $180 $414 $288 $18 $86 $986 $82
Focus SES 2-Dr Coupe $180 $414 $288 $18 $86 $986 $82
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Table data represents married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Alaska minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Price estimates do not factor in specific Anchorage garaging location which can change coverage rates significantly.

Violations and accidents raise rates

The diagram below demonstrates how speeding tickets and fender-benders can raise Ford Focus auto insurance costs for different categories of driver ages. Data assumes a married male driver, full physical damage coverage, $1,000 deductibles, and no other discounts are factored in.

Rate comparison of full coverage and liability-only

The information below visualizes the comparison of Ford Focus car insurance rates when comparing full coverage to liability only. The rates are based on no accidents or driving violations, $500 deductibles, single status, and no discounts are applied.

Deciding between full coverage and liability only

There is no written rule of when to phase out physical damage insurance, but there is a general guideline. If the yearly cost of full coverage is 10% or more of the settlement you would receive from your company, then you might consider buying liability only.

For example, let's assume your Ford Focus replacement value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company would pay you is $6,000 after paying the physical damage deductible. If you are paying in excess of $600 a year for your policy with full coverage, the it may be a good time to stop paying for full coverage.

There are a few situations where dropping full coverage is not advised. If you still owe money on your vehicle, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should keep full coverage.

Slash rates with these five discounts on Ford Focus insurance in Anchorage

Companies offering auto insurance don't necessarily list all discounts very well, so the list below details both the well known and also the more inconspicuous discounts that may be available.Insurance discounts

  • Good Grades Discount - Being a good student can get you a discount of up to 25%. You can use this discount normally up until you turn 25.
  • Accident Forgiveness Coverage - This one isn't a discount, but companies like Allstate and State Farm will forgive one accident before they charge you more for coverage as long as you don't have any claims for a certain period of time.
  • More Vehicles More Savings - Buying coverage for all your vehicles on the same insurance policy can reduce rates for all insured vehicles.
  • Low Mileage Discounts - Maintaining low annual mileage could be rewarded with cheaper prices.
  • Employee of Federal Government - Having worked for a branch of the government can save as much as 8% but check with your company.

Policy discounts save money, but some of the credits will not apply to your bottom line cost. Some only reduce individual premiums such as physical damage coverage or medical payments. So even though they make it sound like all those discounts means the company will pay you, it doesn't quite work that way. But all discounts should help reduce your insurance premiums.

The chart below illustrates the comparison of Ford Focus insurance rates with and without discounts applied to the policy premium. The data is based on a female driver, no driving violations, no at-fault accidents, Alaska 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, safe-driver, multi-car, multi-policy, homeowner, and claim-free discounts applied.

If you would like to choose from a list of providers offering insurance discounts in Anchorage, click here to view.

Compare prices but still have a local Anchorage insurance agency

Some consumers still prefer to get professional advice from a licensed agent and there is nothing wrong with that. The biggest benefit of price shopping on the web is the fact that you can find lower auto insurance rates but still work with a licensed agent.

Insurance agency in AnchorageTo find an agent, once you fill out this form (opens in new window), the quote information is emailed to agents in your area who will return price quotes for your coverage. You won't even need to find an agent because prices are sent to your email. You can find better rates and a licensed agent to talk to. In the event you want to get a price quote from a specific company, feel free to navigate to their website and complete a quote there.

Choosing a provider is decision based upon more than just a cheap price. These are some valid questions you should ask.

  • Do they get paid more for recommending certain coverages?
  • Are they able to influence company decisions when a claim is filed?
  • Do you work with a CSR or direct with the agent?
  • Does the agent have professional designations like CIC, CPCU or AIC?
  • Does the agency have a positive business rating?
  • Do the coverages you're quoting properly cover your vehicle?

Listed below are Anchorage car insurance companies that are able to give price quote information for Ford Focus insurance in Anchorage.

More insurance agents

You may need specialized insurance coverage

When quoting and choosing a policy, there really is not a one size fits all plan. Your needs are not the same as everyone else's and your insurance should unique, too.Insurance savings Here are some questions about coverages that can help discover if your situation may require specific advice.

  • Should I have a commercial auto policy?
  • Who sells insurance for high-risk drivers?
  • Is extra glass coverage worth it?
  • Does my insurance cover a custom paint job?
  • What is roadside assistance coverage?
  • Should I buy full coverage?
  • Is my Ford Focus covered if I use it for business?
  • Can good grades get a discount?
  • How can I find cheaper teen driver insurance?

If it's difficult to answer those questions but you know they apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Insurance policy coverages for a Ford Focus

Learning about specific coverages of your insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be ambiguous and coverage can change by endorsement. Shown next are the usual coverages offered by insurance companies.

Comprehensive insurance

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as hitting a bird, fire damage and hail damage. The most your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle's occupants as well as your vehicle's damage.

Because many people have only the minimum liability required by law (50/100/25), their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for bills for hospital visits, chiropractic care, nursing services and ambulance fees. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Coverage for liability

This will cover damage or injury you incur to other people or property that is your fault. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/25 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged property.

Liability insurance covers things such as court costs, repair bills for other people's vehicles, structural damage, medical expenses and bail bonds. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford. Alaska state minimum liability requirements are 50/100/25 but it's recommended drivers buy better liability coverage.

The chart below shows why buying the state minimum limits may not be adequate coverage.

Collision coverage

Collision insurance will pay to fix damage to your Focus caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as scraping a guard rail, colliding with another moving vehicle and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible on your Focus to bring the cost down.

Be persistent and save

We covered many ideas to get a better price on Ford Focus insurance in Anchorage. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your car insurance rates. Drivers may even discover the lowest rates come from a smaller regional carrier. These companies can often provide lower car insurance rates in certain areas than their larger competitors like Allstate or State Farm.

When buying insurance coverage, do not sacrifice coverage to reduce premiums. In many instances, consumers will sacrifice uninsured motorist or liability limits only to discover later that a couple dollars of savings turned into a financial nightmare. The aim is to buy the best coverage you can find at an affordable rate, not the least amount of coverage.

Much more information about auto insurance in Alaska is available below: