Are you tired of being strong-armed to buy auto insurance? You're in the same situation as the majority of other drivers in Missouri.
Unbelievably, the vast majority of Missouri auto insurance customers have bought auto insurance from the same company for at least the last four years, and roughly 40% of drivers have never compared quotes from other companies. Many drivers in America could save about 46.5% each year just by shopping around, but they feel it's too difficult to find affordable auto insurance rates.
Lots of insurers contend to insure your vehicles, and because of this it can be hard to compare car insurance companies and get the best coverage at the best price available on Ford Focus insurance in St. Louis.
It's a great practice to do rate comparisons quite often since prices are adjusted regularly by insurance companies. Just because you found the lowest rates on Ford Focus insurance in St. Louis at your last renewal you can probably find a better rate quote now. There is too much inaccurate information about Focus insurance online but in this article, you're going to get some guaranteed methods to lower your auto insurance bill.
When looking for affordable St. Louis car insurance quotes, there are a couple ways to obtain and compare prices from all the different companies. The easiest way to find competitive Ford Focus insurance rates is to jump online and get quotes.
Online shopping is fast and free, and it takes the place of having to go to and from local St. Louis insurance agencies. The ability to quote Ford Focus insurance online eliminates the middleman unless you want the professional advice that only a licensed agent can provide. Although you can get the lowest quotes online but buy the policy through an agent.
When comparing car insurance rates, know that having more price comparisons will enable you to find better pricing. Some regional insurers cannot provide online rate quotes, so you need to compare price quotes on coverage from those companies, too.
The auto insurance companies shown below have been selected to offer free quotes in Missouri. If multiple providers are shown, we recommend you visit as many as you can in order to find the lowest rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Focus S 4-Dr Sedan||$172||$406||$280||$16||$84||$958||$80|
|Focus SE 4-Dr Sedan||$204||$346||$348||$20||$104||$1,022||$85|
|Focus SEL 4-Dr Sedan||$126||$322||$302||$18||$90||$858||$72|
|Focus SES 4-Dr Sedan||$200||$488||$266||$16||$80||$1,050||$88|
|Focus SE 2-Dr Coupe||$188||$376||$310||$18||$92||$984||$82|
|Focus SES 2-Dr Coupe||$144||$322||$340||$20||$102||$928||$77|
|Get Your Own Custom Quote Go|
Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Missouri minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Table data does not factor in specific location which can increase or decrease insurance rates greatly.
Careless driving habits raise auto insurance rates
The chart below demonstrates how traffic citations and fender-benders can influence Ford Focus auto insurance costs for different ages of insureds. The premiums are based on a single male driver, full coverage, $500 deductibles, and no discounts are taken into consideration.
How high should deductibles be?
The chart below demonstrates how deductible levels and can influence Ford Focus insurance premiums for different age categories. The information is based on a single female driver, full physical damage coverage, and no discounts are applied to the premium.
Do you need full coverage?
The chart below visualizes the comparison of Ford Focus insurance prices with full coverage and liability only. Data assumes no claims or violations, $500 deductibles, married female driver, and no discounts are applied to the premium.
When to stop buying physical damage coverage
There is no exact formula of when to exclude comp and collision coverage, but there is a broad guideline. If the yearly cost for physical damage coverage is about 10% or more of the replacement cost minus the deductible, then it could be time to drop full coverage.
For example, let's assume your Ford Focus book value is $3,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $2,000 after the policy deductible has been paid. If you are paying more than $200 a year for physical damage coverage, then it might be time to consider dropping full coverage.
There are some cases where only buying liability is not advised. If you still owe a portion of the original loan, you have to keep full coverage as part of the loan requirements. Also, if you can't afford to buy a different vehicle in case of an accident, you should not remove full coverage.
Comparing rates from local St. Louis car insurance agents
A small number of people would rather buy from a local agent and that is not a bad decision The best thing about comparing insurance prices online is the fact that you can find the best rates but also keep your business local.
For easy comparison, once you complete this simple form, the quote information is emailed to insurance agents in St. Louis who will gladly provide quotes for your business. You won't need to drive around since price quotes are sent directly to you. Get lower rates without a big time investment. If you need to quote rates from a specific car insurance provider, don't hesitate to go to their quote page and give them your coverage information.
Selecting an provider shouldn't rely on just a low price. Any agent in St. Louis should have no problem answering these questions:
- How long has their agency been open in St. Louis?
- How much will you save each year by using a higher deductible?
- Is the quote a firm price?
- Does the agency provide any after hours assistance?
- If independent agents, which companies do they recommend?
If you are wanting to find a reliable insurance agency, it's helpful to know the types of insurance agents and how they can quote your rates. Agents in St. Louis are classified as either independent agents or exclusive agents.
Agents of this type can only quote rates from one company like Farmers Insurance or State Farm. Exclusive agents cannot give you multiple price quotes so it's a take it or leave it situation. Exclusive insurance agents are usually quite knowledgeable on their company's products and that allows them to sell at a higher price point.
Shown below are St. Louis exclusive insurance agents that can give you price quotes.
Independent Insurance Agents
Agents in the independent channel are not required to write business for one company so they can quote policies through lots of different companies and get you the best rates possible. If your agent finds better pricing, they can switch companies in-house and you stay with the same agent. When comparing rates, you definitely need to get quotes from a couple of independent agencies in order to have the best price comparison.
Below is a list of independent insurance agents in St. Louis that can give you rate quotes.
After receiving positive feedback to all your questions as well as a affordable price, most likely you have located an insurance agent that is professional and can insure your vehicles.