Searching for cheaper Ford Focus insurance in Rochester? Searching for cheaper insurance for your Ford Focus in Minnesota can normally be an all-consuming task, but you can learn our insurance buying tips and make it easy.
There are both good and bad ways to find insurance online so we're going to tell you the proper way to quote coverages for your Ford and find the lowest price either online or from Rochester insurance agents.
It's a good idea to take a look at other company's rates periodically because insurance prices trend upward over time. Even if you think you had the lowest rates on Ford Focus insurance in Rochester two years ago the chances are good that you can find a lower rate quote today. You'll find quite a bit of inaccurate information about Focus insurance out there, but we're going to give you some great ways to lower your insurance rates in Rochester.
If you have a current car insurance policy or are looking for a new policy, follow these tips to find better prices while maximizing coverage. Comparing quotes for more affordable protection in Rochester is easy if you know what you're doing. Consumers just have to use the quickest way to compare insurance rates online from multiple companies.
Auto insurance providers offering cheap price quotes in Minnesota
The companies shown below can provide price quotes in Rochester, MN. If the list has multiple companies, we recommend you visit several of them to find the most competitive auto insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Focus S 4-Dr Sedan||$114||$254||$334||$20||$100||$822||$69|
|Focus SE 4-Dr Sedan||$208||$404||$324||$20||$96||$1,052||$88|
|Focus SEL 4-Dr Sedan||$146||$376||$428||$26||$128||$1,104||$92|
|Focus SES 4-Dr Sedan||$102||$260||$304||$18||$92||$776||$65|
|Focus SE 2-Dr Coupe||$222||$448||$370||$22||$110||$1,172||$98|
|Focus SES 2-Dr Coupe||$228||$392||$470||$28||$140||$1,258||$105|
|Get Your Own Custom Quote Go|
Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Minnesota minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Premium amounts do not factor in specific zip code location which can affect auto insurance rates noticeably.
Ford Focus insurance rates by gender
The chart below shows the comparison of Ford Focus insurance costs for male and female drivers. The prices are based on no claims or driving violations, comprehensive and collision coverage, $250 deductibles, drivers are single, and no discounts are factored in.
Auto insurance rates are higher with tickets and accidents
The diagram below illustrates how traffic citations and at-fault fender-benders can affect Ford Focus insurance costs for each age group. The data is based on a single male driver, full coverage, $250 deductibles, and no discounts are applied to the premium.
You may qualify for discounts for Ford Focus insurance in Rochester
Companies don't always list all their discounts very well, so the following list contains some of the more common and also the more inconspicuous credits available to lower your premiums when you buy Rochester auto insurance online. If you aren't receiving every discount you qualify for, you're just leaving money on the table.
- No Claims - Drivers who don't have accidents pay much less compared to drivers with a long claim history.
- Fewer Miles Equal More Savings - Driving fewer miles can earn slightly better prices than normal.
- Passenger Safety Discount - Factory air bags or motorized seat belts may qualify for discounts of up to 25% or more.
- Seat Belt Usage - Requiring all passengers to buckle up before driving can save 10% or more on the medical payments or PIP coverage costs.
- Accident Forgiveness Coverage - This one is not really a discount per se, but some companies like GEICO, State Farm, and Progressive will forgive one accident without getting socked with a rate hike so long as you are claim-free for a particular time prior to the accident.
- Anti-lock Brakes - Anti-lock brake equipped vehicles prevent accidents and the ABS can save up to 10%.
- Student Discount for Driver Training - Cut your cost by having your teen driver successfully take a driver's education course in high school.
- Driving Data Discount - Drivers who elect to allow driving data submission to monitor driving habits by using a small device installed in their vehicle like Allstate's Drivewise may get a rate reduction if they show good driving skills.
As a disclaimer on discounts, many deductions do not apply to the entire cost. A few only apply to the cost of specific coverages such as comp or med pay. So even though it sounds like you can get free auto insurance, it's just not the way it works. But any discount should help lower your policy premiums.
A list of auto insurance companies and a partial list of their discounts are outlined below.
- 21st Century may offer discounts for homeowners, student driver, early bird, 55 and older, automatic seat belts, and anti-lock brakes.
- Progressive offers discounts for online quote discount, good student, online signing, homeowner, multi-policy, and continuous coverage.
- State Farm may have discounts that include good driver, driver's education, anti-theft, passive restraint, and good student.
- Nationwide offers premium reductions for family plan, good student, multi-policy, defensive driving, anti-theft, easy pay, and accident-free.
- Esurance discounts include safety device, paid-in-full, multi-policy, anti-theft, and online quote.
- The Hartford includes discounts for bundle, defensive driver, anti-theft, driver training, vehicle fuel type, and air bag.
It's a good idea to ask each insurance company to give you their best rates. Some discounts might not be available to policyholders in every state. To see companies who offer free Ford Focus insurance quotes in Minnesota, click here to view.
How Your Focus Insurance Premiums are Determined
Many different elements are taken into consideration when pricing auto insurance. A few of the factors are predictable like an MVR report, although others are not quite as obvious like where you live or your financial responsibility.
Shown below are some of the most common factors used by companies to determine your premiums.
Responsible drivers pay the best premiums - Good drivers receive lower rates as compared to those with violations. Just one driving citation can boost insurance rates by as much as twenty percent. People who have flagrant violations like DUI or reckless driving are required to submit a SR-22 or proof of financial responsibility with their state in order to legally drive.
More stress means more cost - Careers like fire fighters, business owners and stock brokers tend to have the highest rates attributed to high stress levels and incredibly demanding work hours. Conversely, occupations such as professors, historians and homemakers receive lower rates.
Drive a safer car and pay less - Cars with high safety ratings get lower rates. These vehicles help reduce the chance of injuries in an accident and reduced instances of injuries translates into savings for insurance companies which can mean better rates for you.
Never have policy lapses - Driving any period of time without insurance is against the law and you may have a hard time finding new coverage because you let your insurance lapse for non-payment. Not only will rates go up, not being able to provide proof of insurance could result in fines and jail time. You will then be forced to provide proof of insurance in the form of an SR-22 filing with the Minnesota department of motor vehicles.
Too many insurance claims will drive premiums up - If you are the type of insured that files lots of claims you can pretty much guarantee either policy cancellation or increased premiums. Auto insurance companies in Minnesota generally give the lowest premiums to people that do not abuse their auto insurance. Insurance coverage is intended to be relied upon for more catastrophic claims.
Rates also based on gender - Statistics demonstrate females are less aggressive when driving. That doesn't necessarily mean that females are better at driving than males. Males and females are in fender benders in similar numbers, but guys cause more damage. Men also statistically get cited for more serious violations like DUI and reckless driving. Youthful male drivers generally have the highest accident percentage so they pay the highest premiums.
Save money with alarms and GPS tracking - Selecting a car model with an alarm system can help bring down rates. Anti-theft features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help stop your vehicle from being stolen.
Insure car and home with the same company - The majority of insurance companies will award better rates to people who buy several policies from them. It's known as a multi-policy discount. If you currently are using one company, consumers should still comparison shop to verify if the discount is saving money.
Insurance loss data for a Ford Focus - Companies use historical loss data in order to profitably underwrite each model. Vehicles that historically have higher claim frequency or loss amount will cost more to insure.
The table below shows the collected loss data for Ford Focus vehicles. For each policy coverage, the claim amount for all vehicles, as an average, equals 100. Values that are 100 or less indicate a favorable loss history, while values that are 100 or greater show a trend for more claims or an increased probability of a larger loss.
Auto Insurance Loss Data for Ford Focus Models
|Specific Ford Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Ford Focus Electric||87||85||66|
Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Insurance agents can help
Always remember that when buying adequate coverage for your personal vehicles, there really is not a one-size-fits-all type of policy. Everyone's situation is a little different.
These are some specific questions might point out whether or not you will benefit from professional help.
- Is my teenager covered with friends in the car?
- Does my policy cover my teen driver if they drive my company car?
- Where can I find DUI or SR-22 insurance?
- Do I need rental car coverage?
- What does roadside assistance cover?
- What should my uninsured motorist coverage limits be in Minnesota?
- Should I drop comprehensive coverage on older vehicles?
- I don't drive much so do I pay less?
- What if an uninsured driver hits me?
- Will filing a claim cost me more?
If it's difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you don't have a local agent, simply complete this short form. It only takes a few minutes and you can get the answers you need.
Local Rochester insurance agents
A lot of people just want to buy from a local agent and that is OK! Agents can help you choose the best coverages and give you someone to call. One of the best bonuses of getting free rate quotes online is you can get cheap rate quotes and still choose a local agent. And supporting local agencies is especially important in Rochester.
To make it easy to find an agent, after completing this form (opens in new window), your coverage information is sent to participating agents in Rochester who will give you quotes for your business. You won't even need to find an agent because quoted prices will be sent straight to your inbox. If you need to compare prices from a particular provider, don't hesitate to go to their quote page and submit a quote form there.
What types of car insurance agents are in Rochester?
When researching a local insurance agency, there are two different types of agencies that you can choose from. Insurance agencies may be either exclusive or independent. Both types can do a good job, but it is important to understand the difference in how they write coverage because it can impact buying decisions.
Independent Agents (or Brokers)
Agents that elect to be independent are not restricted to one company and that enables them to quote your coverage through lots of different companies depending on which coverage is best. To transfer your coverage to a different company, an independent agent can move your coverage which is easy for the insured. If you need lower rates, you should always compare quotes from at least one independent agent to get the most accurate price comparison. Many can place coverage with different regional companies which may have better rates.
Shown below is a small list of independent insurance agents in Rochester who may provide pricing information.
- Sterling State Bank
5600 US-52 - Rochester, MN 55901 - (507) 252-7220 - View Map
- W A Insurance Group
975 34th Ave NW - Rochester, MN 55901 - (507) 424-4400 - View Map
- Atlas Insurance Brokers LLC
5721 Bandel Road Northwest - Rochester, MN 55901 - (507) 252-8720 - View Map
Exclusive Insurance Agents
These agents are contracted to one company and some examples include State Farm, AAA, and Liberty Mutual. They generally cannot give you multiple price quotes so you need to shop around if the rates are high. These agents are highly trained on what they offer which helps overcome the inability to quote other rates. Consumers sometimes buy insurance from these agents mostly because of the brand name and strong financial ratings.
The following is a short list of exclusive agents in Rochester that are able to give comparison quotes.
- Farmers Union Insurance Agency, Inc. Chris Sanders
1903 S Broadway - Rochester, MN 55904 - (507) 282-4411 - View Map
- State Farm Insurance
736 2nd St SW - Rochester, MN 55902 - (507) 289-2301 - View Map
- Sue Madden - State Farm Insurance Agent
914 N Broadway Ave - Rochester, MN 55906 - (507) 281-0100 - View Map
Choosing the best auto insurance agent requires you to look at more than just the quoted price. You should also get answers to these questions.
- Is the agent properly licensed in Minnesota?
- Does the agency have a positive business rating?
- Do they write coverage based solely on cost?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Which members of your family are coverage by the policy?
- Does the agent recommend any additional coverage?
- Can they help ensure a fair claim settlement?
Don't give up on affordable rates
Insureds leave their current company for a variety of reasons including unfair underwriting practices, policy cancellation, high rates after DUI convictions and even not issuing a premium refund. Regardless of your reason for switching companies, finding the right car insurance provider is less work than it seems.
We just showed you some good ideas how to compare Ford Focus insurance rates in Rochester. The most important thing to understand is the more times you quote, the better your comparison will be. Drivers may even discover the lowest rates are with some of the smallest insurance companies.
Some insurance companies may not have online price quotes and usually these smaller providers provide coverage only through local independent agents. More affordable car insurance in Rochester can be purchased from both online companies and also from your neighborhood Rochester agents, so you should be comparing quotes from both so you have a total pricing picture.
Additional car insurance information is located on the following sites:
- Insurance losses by make and model (Insurance Institute for Highway Safety)
- Who Has the Cheapest Minnesota Car Insurance Rates for Drivers Over Age 70? (FAQ)
- How Much are Car Insurance Rates for a Toyota Camry in Minnesota? (FAQ)
- Which Company has the Cheapest Auto Insurance in Mankato, Minnesota? (FAQ)
- What Auto Insurance is Cheapest in Saint Cloud, Minnesota? (FAQ)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- Vehicle Insurance (Wikipedia)