Discount Ford Focus insuranceHas it been over a year since you last compared quotes for the cheapest auto insurance rates in Kansas City, MO? Kansas City buyers have lots of choices when searching for low-cost Ford Focus insurance. You can either waste hours struggling with agents to get rate comparisons or save time using the internet to make rate comparisons. There is a better way to find auto insurance online so we're going to tell you the best way to price shop coverage for a new or used Ford and locate the cheapest rates from Kansas City insurance agents and online providers.

It is always a good idea to price shop coverage yearly due to the fact that insurance prices are rarely the same from one policy term to another. Even if you think you had the best deal on Ford Focus insurance in Kansas City two years ago there is a good chance you can find better premium rates now. Ignore everything you know about auto insurance because you're about to learn the right way to find the best coverage while lowering your premiums.

The method we recommend to compare policy rates for Ford Focus insurance in Kansas City utilizes the fact all the major auto insurance companies participate in a system to give rate comparisons. All you need to do is provide a small amount of information such as if your license is active, any included safety features, the year, make and model of vehicles, and whether your vehicle is owned or leased. Your rating data gets sent immediately to multiple companies and they return cost estimate very quickly.

If you wish to get multiple quotes for your car now, click here and complete the form.

The following companies have been selected to offer quotes in Kansas City, MO. If multiple companies are listed, it's a good idea that you visit several of them in order to find the most competitive rates.

Ford Focus Insurance Costs in Kansas City, MO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $176 $398 $322 $20 $96 $1,012 $84
Focus SE 4-Dr Sedan $140 $316 $346 $20 $104 $926 $77
Focus SEL 4-Dr Sedan $126 $340 $302 $18 $90 $876 $73
Focus SES 4-Dr Sedan $122 $316 $360 $22 $108 $928 $77
Focus SE 2-Dr Coupe $162 $322 $308 $18 $92 $902 $75
Focus SES 2-Dr Coupe $144 $322 $316 $18 $94 $894 $75
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Price data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Missouri minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Rate quotes do not factor in zip code location which can raise or lower insurance rates significantly.

Higher deductibles lower rates

A question often asked by Kansas City drivers is which comprehensive and collision deductibles to buy. The rates shown below sum up the differences in price of buying low and high comp and collision deductibles. The first price estimate table uses a $250 deductible for comprehensive and collision coverage and the second rate chart uses a $500 deductible.

Ford Focus insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $180 $346 $266 $16 $80 $913 $76
Focus SE 4-Dr Sedan $180 $346 $266 $16 $80 $913 $76
Focus SEL 4-Dr Sedan $180 $408 $266 $16 $80 $975 $81
Focus SES 4-Dr Sedan $180 $408 $266 $16 $80 $975 $81
Focus SE 2-Dr Coupe $206 $408 $302 $18 $90 $1,049 $87
Focus SES 2-Dr Coupe $206 $408 $302 $18 $90 $1,049 $87
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Ford Focus insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $146 $280 $266 $16 $80 $788 $66
Focus SE 4-Dr Sedan $146 $280 $266 $16 $80 $788 $66
Focus SEL 4-Dr Sedan $146 $330 $266 $16 $80 $838 $70
Focus SES 4-Dr Sedan $146 $330 $266 $16 $80 $838 $70
Focus SE 2-Dr Coupe $168 $330 $302 $18 $90 $908 $76
Focus SES 2-Dr Coupe $168 $330 $302 $18 $90 $908 $76
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Rates do not factor in garaging location in Kansas City which can alter coverage prices considerably.

We can derive from the above data that using a $250 deductible will cost you approximately $10 more each month or $120 for a full year than buying the higher $500 deductible. Since the policyholder would be required to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you average at a minimum 25 months between claims, you would probably come out ahead if you choose a higher deductible. The table below illustrates an example of how you can make this decision for your own policy.

Average monthly premium for $250 deductibles: $81
Average monthly premium for $500 deductibles (subtract): - $71
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

One big caveat is that raising deductibles results in having to pay to pay more out-of-pocket when you have a physical damage claim. You will want to have some savings in the bank in order to pay the higher deductible in order to repair your vehicle.

Cost of full coverage in Kansas City

The illustration below visualizes the comparison of Ford Focus insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Missouri. The information is based on a clean driving record, no at-fault accidents, $500 deductibles, single female driver, and no discounts are factored in.

When to stop paying for full coverage

There is no specific rule of when to phase out full coverage on your policy, but there is a general guideline. If the annual cost of comprehensive and collision coverage is more than around 10% of replacement cost minus your deductible, then it may be the right time to buy liability only.

For example, let's say your Ford Focus replacement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would get paid by your company is $7,000 after the policy deductible has been paid. If premium cost is more than $700 a year for comprehensive and collision coverage, then it might be time to consider dropping full coverage.

There are some cases where only buying liability is not advised. If you haven't paid off your loan, you have to keep full coverage to protect the lienholder's interest. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should maintain full coverage.

Impact of citations and accidents on insurance rates

The information below shows how speeding tickets and at-fault fender-benders increase Ford Focus auto insurance rates for each age group. The premiums are based on a single male driver, full coverage, $250 deductibles, and no discounts are factored in.

Car insurance discounts help lower rates for Ford Focus insurance in Kansas City

The price of auto insurance can be rather high, but there could be significant discounts that can drop the cost substantially. Certain discounts will be triggered automatically at the time of quoting, but some need to be specially asked for before they will apply.Car insurance discounts

As a sidenote, most credits do not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like collision or personal injury protection. So even though you would think adding up those discounts means a free policy, you aren't that lucky.

To find companies that offer some of these discounts in Missouri, click this link.

Exclusive versus independent auto insurance agents

A lot of people still prefer to talk to an insurance agent and doing that can be a smart decision Insurance agents can answer important questions and give you someone to call. The biggest benefit of getting online price quotes is that you can obtain the lowest rates and still choose a local agent.

Insurance agents in Kansas CityAfter filling out this form (opens in new window), your coverage information is immediately sent to insurance agents in Kansas City who will give you bids for your business. You won't need to visit any agencies because prices are sent immediately to your email address. If for some reason you want to get a rate quote from a specific company, you would need to visit that company's website and fill out their quote form.

Selecting an insurer shouldn't rely on just a cheap price. You should also get answers to these questions.

You are unique and your insurance should be too

When quoting and comparing the right insurance coverage for your personal vehicles, there really isn't a single plan that fits everyone. Every situation is different and your insurance should be unique as well.Drive safe and save For instance, these questions could help you determine if your insurance needs will benefit from professional help.

If you're not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.

Choices You Make Can Impact Your Insurance Prices

The best way to find cheaper insurance is to take a look at the factors that help calculate your insurance rates. If you have some idea of what determines base rates, this empowers consumers to make smart changes that could help you find lower insurance prices. Multiple criteria are used in the calculation when quoting car insurance. Some are obvious such as traffic violations, but others are not as apparent like your vehicle usage or your vehicle rating.

The list below includes some of the most rate-impacting factors companies use to determine prices.

Choosing Focus insurance is an important decision

Even though Kansas City Focus insurance rates can get expensive, auto insurance is mandatory in Missouri but it also protects more than you think.

The benefits of insuring your Focus definitely exceed the cost, particularly when you have a large claim. Unknowingly, the average driver overpays as much as $869 every year so you should quote rates at every policy renewal to save money.

Quote more to save more

When you buy Kansas City auto insurance online, never sacrifice coverage to reduce premiums. There have been many cases where someone dropped uninsured motorist or liability limits and discovered at claim time that the small savings ended up costing them much more. Your objective should be to buy a smart amount of coverage at the best price and still be able to protect your assets.

Throughout this article, we presented a lot of techniques to save on Ford Focus insurance in Kansas City. The key thing to remember is the more rate comparisons you have, the better likelihood of getting affordable Ford Focus insurance quotes. You may even discover the lowest prices come from an unexpected company. Smaller companies may have significantly lower rates on certain market segments than the large multi-state companies such as Allstate or State Farm.

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