Insurance for Ford FocusAre you doing reasearch to find low-cost Ford Focus insurance in Reno? If you're searching for cheaper insurance on the web, do you get frustrated by the dozens of car insurance choices that you can choose from? You have such a large number of options that it can quickly become a real challenge to find lower premium rates on Ford Focus insurance. Reno is a good city to live in, but expensive car insurance premiums makes it impossible to buy proper levels of coverage.

A recent survey discovered that nearly 70% of customers kept their coverage with the same car insurance company for well over three years, and about 40% of consumers have never compared rates from other carriers. Many drivers in Nevada could save nearly $500 a year just by getting comparison quotes, but they underestimate the amount of money they would save if they swap their current policy for a cheaper one.

Save with these money saving discounts

Auto insurance can be pricey, but you might already qualify for some discounts that may help make it more affordable. Most are applied at the time of quoting, but some must be inquired about before you will receive the discount.Cheaper auto insurance with discounts

One thing to note about discounts is that most of the big mark downs will not be given to the entire cost. Some only apply to individual premiums such as collision or personal injury protection. So despite the fact that it appears all the discounts add up to a free policy, auto insurance companies aren't that generous.

The best auto insurance companies and some of the premium reductions they offer are included below.

When quoting, ask all companies you are considering which credits you are entitled to. Some discounts may not be available in your state. To see a list of auto insurance companies with discount auto insurance rates in Nevada, follow this link.

The majority of larger companies give insurance quotes direct online. Getting online quotes for Ford Focus insurance in Reno can be done by anyone as you just type in your personal and coverage information into a form. Upon sending the form, their rating system requests reports for credit and driving violations and returns a price quote determined by many factors.

Quoting online for Ford Focus insurance in Reno helps simplify price comparisons, and it's very important to get many rate quotes if you want to find the most affordable possible premiums on insurance.

To save time and fill out one form to compare multiple rates now, compare quotes from the companies shown below. If you have a policy now, it's recommended you enter the coverages exactly as they are listed on your policy. Using the same limits helps guarantee you are getting a fair comparison based on the exact same insurance coverage.

The following companies have been selected to offer comparison quotes in Reno, NV. If multiple companies are shown, we suggest you get rate quotes from several of them in order to get a fair rate comparison.

Ford Focus Insurance Estimates in Reno, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $226 $550 $372 $22 $112 $1,282 $107
Focus SE 4-Dr Sedan $164 $318 $314 $18 $94 $908 $76
Focus SEL 4-Dr Sedan $160 $392 $290 $18 $86 $946 $79
Focus SES 4-Dr Sedan $256 $694 $416 $24 $124 $1,514 $126
Focus SE 2-Dr Coupe $194 $382 $348 $20 $104 $1,048 $87
Focus SES 2-Dr Coupe $228 $534 $452 $26 $136 $1,376 $115
Get Your Own Custom Quote Go

Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Information does not factor in specific Reno garaging location which can impact insurance rates significantly.

Auto insurance deductibles

One common question asked by Reno drivers is where to set your physical damage deductibles. The data tables below can help show the premium difference when you buy lower versus higher physical damage coverage deductibles. The first rate quote example uses a $100 physical damage deductible and the second price chart uses a $500 deductible.

Ford Focus insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $232 $478 $308 $18 $92 $1,153 $96
Focus SE 4-Dr Sedan $232 $478 $308 $18 $92 $1,153 $96
Focus SEL 4-Dr Sedan $232 $564 $308 $18 $92 $1,239 $103
Focus SES 4-Dr Sedan $232 $564 $308 $18 $92 $1,239 $103
Focus SE 2-Dr Coupe $266 $564 $348 $20 $104 $1,327 $111
Focus SES 2-Dr Coupe $266 $564 $348 $20 $104 $1,327 $111
Get Your Own Custom Quote Go
Ford Focus insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $168 $324 $308 $18 $92 $910 $76
Focus SE 4-Dr Sedan $168 $324 $308 $18 $92 $910 $76
Focus SEL 4-Dr Sedan $168 $382 $308 $18 $92 $968 $81
Focus SES 4-Dr Sedan $168 $382 $308 $18 $92 $968 $81
Focus SE 2-Dr Coupe $194 $382 $348 $20 $104 $1,048 $87
Focus SES 2-Dr Coupe $194 $382 $348 $20 $104 $1,048 $87
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Estimates do not factor in specific garaging location which can modify prices considerably.

Using the premium rates above, we can conclude that using a $100 deductible costs roughly $22 more each month or $264 for a full year than selecting the higher $500 deductible. Because you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you normally go at least 18 months between claims, you would save money if you decide on a higher deductible.

Deductible analysis

The illustration below highlights how deductible choice and can influence Ford Focus premium costs for each different age group. The information is based on a single male driver, full coverage, and no policy discounts are applied.

You may need advice from an insurance agent

Many people still like to talk to an insurance agent and we recommend doing that The biggest benefit of comparing car insurance online is that drivers can save money and get cheaper premium rates and still choose a local agent.

Insurance agency in RenoTo find an agent, once you fill out this form (opens in new window), your insurance coverage information is emailed to insurance agents in Reno who want to provide quotes for your car insurance coverage. There is no reason to do any legwork since rate quotes are delivered immediately to your email address. It's the lowest rates AND a local agent. If you want to compare prices from a specific insurance company, you can always go to their quote page and submit a quote form there.

Finding the right insurer needs to be determined by more than just a cheap quote. Some important questions to ask are:

When searching for a local Reno insurance agent, there are two different types of agents that differ in how they can insure your vehicles. Agents in Reno can be categorized as either independent agents or exclusive agents depending on their employer.

Exclusive Insurance Agents

Agents that elect to be exclusive have only one company to place business with and examples are State Farm, AAA, and Liberty Mutual. Exclusive agents are unable to give you multiple price quotes so they are skilled at selling on more than just price. Exclusive insurance agents are trained well on sales techniques which helps overcome the inability to quote other rates. Consumers sometimes choose to use a exclusive agent mainly due to high brand loyalty and the convenience of having a single billing for all their coverages.

Shown below are Reno exclusive agencies who can help you get comparison quotes.

More Reno agents

Independent Agencies or Brokers

Agents that choose to be independent are normally appointed by many insurers so as a result can place your coverage through many companies enabling the ability to shop coverage around. If they quote lower rates, your agent can just switch to a different company and you don't have to find a new agent. If you are comparing rate quotes, you need to compare quotes from a few independent agents so that you have a good selection of quotes to compare. They also have the ability to place coverage with companies that do not advertise much that may have much lower rates than larger companies.

Below is a list of independent insurance agencies in Reno who can help you get price quote information.

More Reno agents

If you feel you receive good responses for all questions you ask as well as an affordable premium quote, chances are good that you have found an auto insurance agent that can provide car insurance coverage.

Cheap coverage is out there

Insureds switch companies for a number of reasons such as policy cancellation, being labeled a high risk driver, high prices and even denial of a claim. It doesn't matter what your reason, switching companies can be easier than you think.

We just showed you a lot of information how to lower your Ford Focus insurance car insurance rates in Reno. It's most important to understand that the more price quotes you have, the higher the chance of saving money. You may even be surprised to find that the most savings is with a company that doesn't do a lot of advertising.

When trying to cut insurance costs, it's not a good idea to skimp on coverage in order to save money. In many instances, someone sacrificed liability limits or collision coverage and discovered at claim time that it was a big error on their part. The proper strategy is to buy the best coverage you can find at the lowest possible cost while still protecting your assets.

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