Affordable Rates for Ford Focus Insurance in Oakland

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Getting discount Oakland Ford Focus insurance quotes on the internet is intimidating for beginners to price shopping on the web. When there are so many companies competing online, how can you even start to compare every auto insurance company to find the best price?

Insurance quote for Ford Focus in OaklandIt's a known fact that car insurance companies don't want you to compare rates. People who shop rates annually will, in all likelihood, switch companies because of the high probability of finding a cheaper policy. Surprisingly, a recent survey revealed that people who faithfully checked for cheaper rates saved approximately $865 annually compared to other drivers who don't regularly compare prices.

If finding the lowest rates on Ford Focus insurance in Oakland is your ultimate target, then understanding the best ways to shop for insurance premiums can make the process less intimidating.

If you have a current insurance policy, you stand a good chance to be able to reduce premiums using the tips covered below. This article's intent is to help educate you on how to compare rates easily and how you can save the most money. Although California drivers benefit from understanding how companies market on the web because it varies considerably.

The quickest way to compare car insurance company rates for Ford Focus insurance in Oakland utilizes the fact all the major auto insurance companies actually pay money for the chance to quote your coverage. All you need to do is provide information like coverage limits, whether you drive to work or school, your credit rating estimate, and whether you are single or married. Those rating factors gets sent immediately to multiple companies and they return cost estimate immediately.

To get price quotes for your car now, click here and complete the form.

The companies shown below can provide comparison quotes in California. If multiple companies are listed, we recommend you compare several of them to get the most competitive price.

Car insurance analysis for a Ford Focus

The rate table displayed below highlights a range of insurance costs for Ford Focus models. Understanding how rates are formulated can be of help when making smart buying decisions.

Ford Focus Insurance Rates in Oakland, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $188 $394 $424 $26 $126 $1,158 $97
Focus SE 4-Dr Sedan $188 $394 $424 $26 $126 $1,158 $97
Focus SEL 4-Dr Sedan $188 $464 $424 $26 $126 $1,228 $102
Focus SES 4-Dr Sedan $188 $464 $424 $26 $126 $1,228 $102
Focus SE 2-Dr Coupe $216 $464 $480 $28 $144 $1,332 $111
Focus SES 2-Dr Coupe $216 $464 $480 $28 $144 $1,332 $111
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Data rating is based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Table data does not factor in specific location information which can influence rates substantially.

Higher deductibles lower rates

The hardest decision when buying coverage is how high should the deductibles for physical damage be. The following tables can help illustrate the rate differences between high and low deductibles. The first set of prices uses a $250 physical damage deductible and the second rate chart uses a $500 deductible.

Ford Focus insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $298 $576 $442 $26 $132 $1,499 $125
Focus SE 4-Dr Sedan $298 $576 $442 $26 $132 $1,499 $125
Focus SEL 4-Dr Sedan $298 $678 $442 $26 $132 $1,601 $133
Focus SES 4-Dr Sedan $298 $678 $442 $26 $132 $1,601 $133
Focus SE 2-Dr Coupe $342 $678 $500 $30 $150 $1,725 $144
Focus SES 2-Dr Coupe $342 $678 $500 $30 $150 $1,725 $144
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Ford Focus insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $242 $464 $442 $26 $132 $1,306 $109
Focus SE 4-Dr Sedan $242 $464 $442 $26 $132 $1,306 $109
Focus SEL 4-Dr Sedan $242 $546 $442 $26 $132 $1,388 $116
Focus SES 4-Dr Sedan $242 $546 $442 $26 $132 $1,388 $116
Focus SE 2-Dr Coupe $278 $546 $500 $30 $150 $1,504 $125
Focus SES 2-Dr Coupe $278 $546 $500 $30 $150 $1,504 $125
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Rates do not factor in your specific Oakland location which can decrease or increase coverage prices greatly.

We can derive from the above data that using a $250 deductible will cost you approximately $17 more each month or $204 every year than opting for the higher $500 deductible. Due to the fact that you would have to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you usually have at least 15 months between claims, you would save money if you elect the higher deductible. The table below illustrates an example of how this decision is made.

Average monthly premium for $250 deductibles: $134
Average monthly premium for $500 deductibles (subtract): - $117
Monthly savings from raising deductible: $17
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $17
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 15 months

One important note is that a higher deductible level means you will have to pay more of your own money when you do file a claim. That will require enough extra money in the event you have to pay the deductible.

The chart below demonstrates how deductibles and can influence Ford Focus premium costs for different ages of insureds. The premium estimates are based on a single male driver, full physical damage coverage, and no discounts are taken into consideration.

Car insurance cost for men versus women in Oakland

The illustration below illustrates the comparison of Ford Focus car insurance rates for male and female drivers. The rates are based on no claims or driving citations, comp and collision included, $1,000 deductibles, drivers are single, and no discounts are taken into consideration.

Should you buy full coverage?

The information below shows the difference between Ford Focus annual premium costs with full physical damage coverage compared to only buying liability only. The rates are based on no violations or accidents, $1,000 deductibles, single status, and no additional discounts are factored in.

Should you buy full coverage or liability only?

There is no exact formula to stop paying for comprehensive and collision coverage on your policy, but there is a general convention. If the annual cost of having full coverage is more than about 10% of any settlement you would receive from your insurance company, then it might be time to consider dropping full coverage.

For example, let's assume your Ford Focus claim settlement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company will settle for is $6,000 after the policy deductible has been paid. If you are paying in excess of $600 annually for comprehensive and collision coverage, then you may need to consider dropping full coverage.

There are some conditions where buying only liability insurance is not advised. If you still have a lienholder on your title, you must maintain physical damage coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should not remove full coverage.

Insurance discounts help lower rates for Ford Focus insurance in Oakland

The cost of insuring your cars can be expensive, but there's a good chance there are discounts that you may not even know about. Some of these discounts will be visible when you quote, but less common discounts must be specially asked for before you get the savings. If you do not double check each discount possible, you are throwing money away.Discount insurance

  • Use Seat Belts - Forcing all vehicle occupants to use their safety belts can save 10% or more on the medical payments or PIP coverage costs.
  • Defensive Driver Discounts - Successfully completing a safe driver course could save 5% or more and easily recoup the cost of the course.
  • Government Employees - Simply working for the federal government can save as much as 8% but check with your company.
  • College Student Discount - Older children who are enrolled in a college that is more than 100 miles from Oakland without a vehicle on campus can receive lower rates.
  • Policy Bundle Discount - If you have multiple policies and place coverage with the same company you could save approximately 10% to 15%.

Please keep in mind that most discounts do not apply to the entire cost. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So despite the fact that it appears you could get a free insurance policy, insurance companies wouldn't stay in business. Any amount of discount will definitely lower the premium cost.

The information below illustrates the difference between Ford Focus auto insurance rates with and without discounts being applied to the rates. The costs are based on a male driver, no claims or driving violations, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, multi-policy, safe-driver, homeowner, and multi-car discounts applied.

The best insurance companies and some of the premium reductions they offer can be read below.

  • Progressive may have discounts that include multi-policy, online quote discount, homeowner, continuous coverage, and good student.
  • SAFECO offers discounts for homeowner, teen safe driver, anti-theft, teen safety rewards, multi-car, safe driver, and accident prevention training.
  • American Family may include discounts for bundled insurance, good student, Steer into Savings, air bags, and good driver.
  • MetLife has savings for claim-free, accident-free, multi-policy, good student, and good driver.
  • GEICO includes discounts for driver training, membership and employees, seat belt use, federal employee, and emergency military deployment.
  • The Hartford policyholders can earn discounts including air bag, vehicle fuel type, defensive driver, bundle, driver training, and anti-theft.

Before buying, ask each insurance company the best way to save money. Some discounts listed above may not apply to policyholders in Oakland. To choose providers that offer the discounts shown above in California, click here to view.

Buying the right Focus insurance in California is an important decision

Despite the high insurance cost for a Ford Focus in Oakland, maintaining insurance is required by state law in California and it also provides benefits you may not be aware of.

  • Just about all states have mandatory liability insurance requirements which means the state requires a minimum amount of liability if you drive a vehicle. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
  • If you have a lien on your Ford, more than likely the lender will make it a condition of the loan that you carry insurance to ensure they get paid if you total the vehicle. If you let the policy lapse, the bank will be required to insure your Ford at a much higher rate and force you to pay the higher premium.
  • Car insurance preserves both your vehicle and your personal assets. It will also provide coverage for hospital and medical expenses for you, any passengers, and anyone injured in an accident. Liability insurance also covers legal expenses in the event you are sued. If your Ford gets damaged, collision and comprehensive (also known as other-than-collision) coverage will pay to have it repaired.

The benefits of having car insurance greatly outweigh the cost, particularly when you have a large claim. In a recent study of 1,000 drivers, the average customer overpays as much as $850 per year so it's recommended you shop around at every policy renewal to ensure rates are inline.

Best auto insurance company in Oakland

Selecting the top car insurance provider is difficult considering how many different companies insure vehicles in California. The company information below may help you decide which providers to look at putting your business with.

Top 10 Oakland Car Insurance Companies Ranked by Customer Service

  1. AAA of Southern California
  2. GEICO
  3. State Farm
  4. The Hartford
  5. Mercury Insurance
  6. The General
  7. Progressive
  8. Allstate
  9. AAA Insurance
  10. American Family

Top 10 Oakland Car Insurance Companies by A.M. Best Rank

  1. USAA - A++
  2. Travelers - A++
  3. State Farm - A++
  4. GEICO - A++
  5. Esurance - A+
  6. Nationwide - A+
  7. Allstate - A+
  8. Mercury Insurance - A+
  9. Progressive - A+
  10. Titan Insurance - A+

How do I know if I need professional advice?

When it comes to the right insurance coverage, there really is no "best" method to buy coverage. You are unique.Safe vehicles cost less to insure

For example, these questions could help you determine if your situation will benefit from professional help.

  • Does medical payments coverage apply to all occupants?
  • Is my custom stereo system covered?
  • Am I covered when driving someone else's vehicle?
  • Can I rent a car in Mexico?
  • Do I need replacement cost coverage?
  • Is water damage covered by my policy?
  • Am I covered when driving in Canada or Mexico?
  • When do I need to add a new car to my policy?
  • Who is covered by my policy?
  • Do I need special endorsements for business use of my vehicle?

If you can't answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you don't have a local agent, take a second and complete this form.

What if I want to buy from local Oakland auto insurance agents?

Some people just want to talk to an insurance agent and doing that can be a smart decision One of the best bonuses of comparing rate quotes online is you can get the lowest rates and still choose a local agent.

Oakland insurance agentsAfter completing this simple form, the coverage information is immediately sent to participating agents in Oakland who want to provide quotes for your business. It's much easier because you don't need to contact an agency because prices are sent to you instantly. Get lower rates without having to waste a lot of time. If you want to compare rates from a particular provider, don't hesitate to visit that company's website and submit a quote form there.

Selecting an provider requires more thought than just a low price. Any agent in Oakland should have no problem answering these questions:

  • What is their Better Business Bureau rating?
  • If you are a high risk driver, do they have special markets for your coverage?
  • Are they paid to recommend certain coverages?
  • Which members of your family are coverage by the policy?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • Do you work with a CSR or direct with the agent?
  • When do they do a full risk review?

When searching for a good Oakland insurance agent, you need to know there are two types of insurance agents and how they can write your policy. Car insurance policy providers are considered either independent or exclusive.

Exclusive Car Insurance Agents

Agents of this type can only provide pricing for a single company and some examples include Farmers Insurance, Allstate, or State Farm. They generally cannot place coverage with different providers so always compare other rates. They are very knowledgeable in insurance sales and that can be a competitive advantage. Drivers often choose to use a exclusive agent partially due to the brand name rather than having the cheapest rates.

Listed below is a list of exclusive agencies in Oakland who may provide you with price quote information.

View more Oakland agents

Independent Car Insurance Agents

Agents that elect to be independent can quote rates with many companies so as a result can place your coverage with an assortment of companies and find the cheapest car insurance rates. If they quote lower rates, your agent can switch companies which makes it simple for you. When comparing car insurance prices, you need to get several quotes from at a minimum one independent agency so that you can do a thorough price comparison. Many write coverage with less well-known companies that may have much lower rates than larger companies.

Below are independent agents in Oakland willing to provide price quotes.

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If you get good responses to all your questions as well as an affordable premium quote, most likely you have located an auto insurance agent that will properly service your car insurance policy.