Insurance rates Ford Focus in RaleighPaying for high-priced Ford Focus insurance in Raleigh can eat up your monthly budget and force you to prioritize other expenses.

Astonishing but true according to a recent study, almost 70% of insureds have remained with the same car insurance company for at least the last four years, and roughly 40% of drivers have never compared car insurance rates at all. Drivers in Raleigh could save about $94 a year by just comparing rate quotes, but most tend to underestimate how much money they would save if they switched to a more affordable policy. You have so many car insurance companies to choose from, and though it is a good thing to have a selection, lots of choices makes it harder to compare rates for Ford Focus insurance in Raleigh.

Ford Focus Insurance Cost Factors

A large part of saving on auto insurance is knowing the factors that are used to determine the level of your policy premiums. When you understand what determines premiums, this enables you to make decisions that can help you get big savings.

The fastest way that we advise to compare insurance rates from multiple companies is to understand car insurance companies pay for the opportunity to give free rates quotes. To start a quote, the only thing you need to do is provide details such as your education level, your occupation, whether you drive to work or school, and if the car is leased. Your information is then submitted to all major companies and they return rate quotes within a short period of time.

If you wish to get multiple quotes for your Ford Focus now, click here and enter your zip code.

The car insurance companies shown below offer price comparisons in Raleigh, NC. If multiple companies are listed, we suggest you visit two to three different companies to get the most affordable price.

Ford Focus Insurance Rates in Raleigh, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $160 $380 $262 $16 $78 $896 $75
Focus SE 4-Dr Sedan $156 $262 $326 $20 $98 $862 $72
Focus SEL 4-Dr Sedan $114 $296 $336 $20 $100 $866 $72
Focus SES 4-Dr Sedan $152 $378 $336 $20 $100 $986 $82
Focus SE 2-Dr Coupe $166 $374 $296 $18 $88 $942 $79
Focus SES 2-Dr Coupe $238 $560 $380 $22 $114 $1,314 $110
Get Your Own Custom Quote Go

Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and North Carolina minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Rate quotes do not factor in specific location which can lower or raise rates substantially.

Physical damage deductibles

One of the hardest decisions when shopping for car insurance is which deductibles should you choose. The comparisons below lay out the costs and benefits of buying low and high comp and collision deductibles. The first set of rates uses a $250 physical damage deductible and the second pricing table uses a $500 deductible.

Ford Focus insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $168 $324 $250 $14 $74 $855 $71
Focus SE 4-Dr Sedan $168 $324 $250 $14 $74 $855 $71
Focus SEL 4-Dr Sedan $168 $382 $250 $14 $74 $913 $76
Focus SES 4-Dr Sedan $168 $382 $250 $14 $74 $913 $76
Focus SE 2-Dr Coupe $192 $382 $282 $16 $84 $981 $82
Focus SES 2-Dr Coupe $192 $382 $282 $16 $84 $981 $82
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Ford Focus insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $136 $262 $250 $14 $74 $736 $61
Focus SE 4-Dr Sedan $136 $262 $250 $14 $74 $736 $61
Focus SEL 4-Dr Sedan $136 $308 $250 $14 $74 $782 $65
Focus SES 4-Dr Sedan $136 $308 $250 $14 $74 $782 $65
Focus SE 2-Dr Coupe $156 $308 $282 $16 $84 $846 $71
Focus SES 2-Dr Coupe $156 $308 $282 $16 $84 $846 $71
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Rate quotes do not factor in your specific Raleigh location which can lower or raise price quotes greatly.

Using the premium rates above, we can conclude that using a $250 deductible will cost you approximately $10 more each month or $120 every year than quoting the higher $500 deductible. Since you would have to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you tend to go at a minimum 25 months between claim filings, you would most likely save money by going with a higher deductible. Below is the way you can decide this on your own policy.

Average monthly premium for $250 deductibles: $76
Average monthly premium for $500 deductibles (subtract): - $66
Monthly savings from raising deductible: $10
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $10
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 25 months

Ford Focus insurance rates: Men versus women

The example below shows the comparison of Ford Focus car insurance costs for male and female drivers. The information is based on no driving violations, no at-fault accidents, comp and collision included, $500 deductibles, drivers are not married, and no additional discounts are factored in.

Three reasons car insurance is important

Despite the high cost, insurance is required in North Carolina but also provides important benefits.

The benefits of insuring your car definitely exceed the price paid, particularly if you ever have a claim. According to a recent study, the average American driver overpays more than $869 every year so shop around each time the policy renews to save money.

Get cheaper Ford Focus insurance in Raleigh with discounts

The cost of insuring your cars can be expensive, but you might be missing out on some discounts that many people don't even know exist. Certain discounts will be applied when you get a quote, but a few must be specifically requested before being credited. If you do not check that you are getting every discount you deserve, you are throwing money away.Auto insurance discounts

Remember that most discounts do not apply to all coverage premiums. Most cut the price of certain insurance coverages like medical payments or collision. So even though you would think you can get free auto insurance, it doesn't quite work that way.

Some of the insurance companies that may offer policyholders most of the discounts above possibly include:

When quoting, ask all the companies which discounts they offer. Some credits may not apply to policies in every state.

Local neighborhood Raleigh car insurance agents

A small number of people still prefer to buy from a local agent and that is a smart decision Most agents can help you build your policy and help in the event of a claim. A nice benefit of comparing rates online is that you can find the lowest rates and also buy local. Buying from local agents is important especially in Raleigh.

Find insurance agent in RaleighFor easy comparison, once you complete this form (opens in new window), your information is transmitted to participating agents in Raleigh that can provide free Raleigh car insurance quotes for your auto insurance coverage. You won't even need to drive around since rate quotes are delivered directly to your email. If you need to get a rate quote for a specific company, feel free to go to their quote page to submit a rate quote request.

Pick the best auto insurance agent in Raleigh for you

If you prefer to buy auto insurance from an insurance agent, it can be helpful to understand the different agency structures that differ in how they can insure your vehicles. Auto insurance agents are classified as either exclusive or independent agents depending on their company appointments. Both write auto insurance policies, but it's important to know the difference in how they write coverage since it may influence which agent you choose.

Independent Auto Insurance Agencies or Brokers

These type of agents can quote rates with many companies and that enables them to quote your coverage with multiple insurance companies and find the cheapest auto insurance rates. If premiums increase, an independent agent can move your coverage and that require little work on your part.

When searching for an agent, you need to compare prices from multiple independent agents so that you can do a thorough price comparison.

Listed below is a short list of independent insurance agents in Raleigh that may be able to give free auto insurance rate quotes.

2010 New Bern Ave - Raleigh, NC 27610 - (919) 255-6210 - View Map

5901 Falls of Neuse Rd - Raleigh, NC 27609 - (919) 872-1778 - View Map

617 Oberlin Rd - Raleigh, NC 27605 - (919) 571-4335 - View Map

More insurance agents

Exclusive Auto Insurance Agents

Agents in the exclusive channel are contracted to one company and some examples include Allstate and State Farm. These agents are not able to compare other company's rates so they are skilled at selling on more than just price. Exclusive agents are well schooled on their products and sales techniques which helps overcome the inability to quote other rates.

Shown below are exclusive insurance agents in Raleigh who can help you get price quotes.

805 Spring Forest Rd #1400 - Raleigh, NC 27609 - (919) 954-1340 - View Map

6021 Poyner Village Pkwy #109 - Raleigh, NC 27616 - (919) 875-1955 - View Map

8212 Creedmoor Rd #101 - Raleigh, NC 27613 - (919) 847-9774 - View Map

More insurance agents

Deciding on a auto insurance agent should depend on more than just a low price. Agents should be asked these questions:

Once you have good responses to any questions you have and a good coverage price, it's possible that you found an insurance agent that can insure your vehicles.

Insurance agents can help

When choosing the best auto insurance coverage for your vehicles, there really isn't a single plan that fits everyone. Your needs are unique to you so your insurance should reflect thatAuto insurance savings Here are some questions about coverages that could help you determine whether you may require specific advice.

If you don't know the answers to these questions but a few of them apply, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Quote more to save more

When getting Raleigh car insurance quotes online, it's a bad idea to skimp on critical coverages to save a buck or two. In too many instances, an insured cut collision coverage and discovered at claim time that they should have had better coverage. Your objective should be to purchase plenty of coverage at the best cost, not the least amount of coverage.

Affordable Ford Focus insurance in Raleigh can be sourced both online in addition to local insurance agencies, so get free Raleigh car insurance quotes from both of them to have the best chance of lowering rates. There are still a few companies who may not have online rate quotes and many times these regional carriers work with independent insurance agencies.

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