Trying to come up with a payment for overpriced auto insurance can overdraw your accounts and possibly require postponing other expenditures. Doing a rate comparison can help to ensure you are getting the best deal.

Insurance for Ford FocusIt's hard to believe, but over 70% of consumers kept their policy with the same company for at least the last four years, and 38% of customers have never compared rates with other companies. With the average premium in America being $1,847, drivers can save 47% each year just by shopping around, but most undervalue the large savings they would see if they switched to a more affordable policy.

Because there are so many online and local companies to choose from, it can be challenging to choose the right auto insurance company.

It's smart to compare prices before your policy renews because auto insurance prices go up and down regularly. Despite the fact that you may have had the best quotes on Ford Focus insurance in Henderson a couple years back there is a good chance you can find better rates now. There are lots of tips to save on Focus insurance on the web, but we're going to give you some good information on how to lower your auto insurance rates in Henderson.

These tips will familiarize you with the best methods to compare rates and some tips to save money. If you have a policy now, you stand a good chance to be able to find better prices using these techniques. Although Nevada car owners need to learn the methods companies use to set your policy premium because it can help you find the best coverage.

Keep in mind that having more price comparisons helps improve the odds of finding a better price. Some companies don't provide Henderson Focus insurance quotes online, so you should also compare rates from those companies as well.

The auto insurance companies shown below are our best choices to provide comparison quotes in Henderson, NV. If the list has multiple companies, it's a good idea that you compare several of them to find the cheapest auto insurance rates.

Ford Focus Insurance Rates in Henderson, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $162 $342 $296 $18 $88 $906 $76
Focus SE 4-Dr Sedan $98 $210 $290 $18 $86 $702 $59
Focus SEL 4-Dr Sedan $146 $392 $348 $20 $104 $1,010 $84
Focus SES 4-Dr Sedan $154 $350 $318 $18 $96 $936 $78
Focus SE 2-Dr Coupe $142 $336 $452 $26 $136 $1,092 $91
Focus SES 2-Dr Coupe $228 $534 $452 $26 $136 $1,376 $115
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Nevada minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Rate information does not factor in specific Henderson garaging location which can affect insurance rates substantially.

Should you raise deductibles?

One common question asked by Henderson drivers is how high should the deductibles for physical damage be. The rates below help summarize the rate differences between low and high comp and collision deductibles. The first rate table uses a $250 physical damage coverage deductible and the second data table uses a $1,000 deductible.

Ford Focus insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $208 $402 $308 $18 $92 $1,053 $88
Focus SE 4-Dr Sedan $208 $402 $308 $18 $92 $1,053 $88
Focus SEL 4-Dr Sedan $208 $472 $308 $18 $92 $1,123 $94
Focus SES 4-Dr Sedan $208 $472 $308 $18 $92 $1,123 $94
Focus SE 2-Dr Coupe $238 $472 $348 $20 $104 $1,207 $101
Focus SES 2-Dr Coupe $238 $472 $348 $20 $104 $1,207 $101
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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 $128 $252 $308 $18 $92 $798 $67
Focus SE 4-Dr Sedan $128 $252 $308 $18 $92 $798 $67
Focus SEL 4-Dr Sedan $128 $298 $308 $18 $92 $844 $70
Focus SES 4-Dr Sedan $128 $298 $308 $18 $92 $844 $70
Focus SE 2-Dr Coupe $148 $298 $348 $20 $104 $918 $77
Focus SES 2-Dr Coupe $148 $298 $348 $20 $104 $918 $77
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Prices do not factor in specific location information which can modify rates considerably.

Using the data above, we can ascertain that using a $250 deductible will cost you approximately $23 more each month or $276 annually than quoting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go at least 33 months between claim filings, you would probably save some money if you decide on a higher deductible.

Rate comparison of full coverage and liability-only

The information below shows the difference between Ford Focus insurance costs with and without physical damage coverage. The costs are based on no claims or driving violations, $250 deductibles, married male driver, and no discounts are applied to the premium.

Deciding between full coverage and liability only

There is no set rule of when to phase out physical damage insurance, but there is a broad guideline. If the annual cost of coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to consider buying only liability coverage.

For example, let's say your Ford Focus claim settlement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company would pay you is $6,000 after the policy deductible has been paid. If premiums are more than $600 a year for full coverage, then it might be time to buy liability only.

There are some cases where only buying liability is not advised. If you still have a loan on your vehicle, you are required to maintain full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should not consider dropping full coverage.

Illustration showing the impact of accidents and violations

The diagram below illustrates how violations and at-fault collisions raise Ford Focus yearly insurance costs for different categories of driver ages. Data assumes a married female driver, comp and collision included, $1,000 deductibles, and no policy discounts are applied.

Here's why car insurance is not optional

Even though it can be expensive, paying for car insurance is a good idea for several reasons.

The benefits of buying car insurance are definitely more than the cost, particularly for liability claims. According to a recent study, the average American driver overpays as much as $810 a year so compare quotes from several companies each time the policy renews to help ensure money is not being wasted.

Henderson auto insurance discounts

Companies don't list all possible discounts very clearly, so the list below gives a summary of some of the best known and also the lesser-known ways to save on auto insurance.Cheaper auto insurance with discounts

Remember that many deductions do not apply to all coverage premiums. The majority will only reduce specific coverage prices like collision or personal injury protection. Just because it seems like you could get a free auto insurance policy, auto insurance companies aren't that generous.

Car insurance companies that have some of the above discounts possibly include:

Check with every company how many discounts you can get. Some discounts listed above may not apply to policies in Henderson.

You may require the services of a local insurance agent

Certain consumers would prefer to get advice from a local agent and there is nothing wrong with that. The biggest benefit of getting free rate quotes online is the fact that you can find cheap auto insurance quotes but still work with a licensed agent. Buying from neighborhood insurance agencies is especially important in Henderson.

Henderson insurance agentsBy using this simple form, the quote information is immediately sent to local insurance agents who can give free rate quotes for your business. There is no reason to visit any agencies as quotes are delivered immediately to your email address. You can get cheaper auto insurance rates and work with a local agent. If for some reason you want to quote rates from a specific auto insurance provider, just go to their quote page and fill out the quote form the provide.

When narrowing the list to find a local agent, you should know the different types of agencies from which to choose. Auto insurance agents in Henderson are categorized either exclusive or independent agents depending on their company appointments.

Independent Auto Insurance Agents

These agents often have affiliation with several companies so as a result can place your coverage with an assortment of companies and possibly get better coverage at lower prices. If they find a lower price, the business is moved internally and you don't have to switch agencies.

When comparing auto insurance rates, it's recommended you compare prices from a few independent agents so that you have a good selection of quotes to compare.

Below is a partial list of independent agencies in Henderson that can possibly get you competitive price quotes.

3481 E Sunset Rd #100 - Las Vegas, NV 89120 - (702) 220-8640 - View Map

1399 Galleria Dr #201 - Henderson, NV 89014 - (702) 871-0001 - View Map

283 Grand Olympia Dr - Henderson, NV 89012 - (702) 434-7640 - View Map

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Exclusive Insurance Agencies

Exclusive agents have only one company to place business with such as Farmers Insurance, Allstate, or State Farm. Exclusive agencies are unable to give you multiple price quotes so always compare other rates. Exclusive agents receive extensive training in insurance sales which helps overcome the inability to quote other rates.

The following are Henderson exclusive agencies that are able to give rate quotes.

183 Gibson Rd - Henderson, NV 89014 - (702) 456-8119 - View Map

1913 N Green Valley Pkwy - Henderson, NV 89074 - (702) 361-0300 - View Map

3215 St Rose Pkwy Ste 120 - Henderson, NV 89052 - (702) 233-8372 - View Map

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Picking a insurance agency needs to be determined by more than just a cheap price. Here are some questions to ask:

Final considerations

Budget-conscious Ford Focus insurance is definitely available online and from local agencies, so you should be comparing quotes from both to have the best rate selection. There are still a few companies who do not offer online price quotes and these regional insurance providers provide coverage only through independent insurance agents.

We just covered some good ideas how to save on Ford Focus insurance in Henderson. The most important thing to understand is the more providers you compare, the higher the chance of saving money. You may even discover the most savings is with some of the lesser-known companies. These companies may only write in your state and offer lower prices as compared to the big name companies such as GEICO and State Farm.

More detailed car insurance information can be found at these sites: