Insurance for Ford FocusHas it been over a year since you last compared quotes for more competitive Ford Focus insurance in Fargo? Did budget coverage turn out to be an expensive insurance policy? Trust us when we tell you many Fargo consumers are in the same pinch.

A study showed that the vast majority of insurance customers have bought insurance from the same company for at least the last four years, and 38% of drivers have never compared rate quotes at all. Fargo drivers could pocket nearly $740 a year just by getting comparison quotes, but they don't believe the large savings they would see if they swap their current policy for a cheaper one.

Because you have many insurance providers from which to choose, it's nearly impossible to choose a more affordable insurance company.

It's smart to get comparison quotes yearly because prices are constantly changing. If you had the best deal on Ford Focus insurance in Fargo last year a different company probably has better rate quotes today. Forget all the misinformation about insurance because you're about to learn the only way to save money, get proper coverage and the best rates.

Locating the most cost-effective insurance policy in Fargo is quite easy if you know the best way to do it. Essentially every driver who has to buy insurance will more than likely find a cheaper policy. Nevertheless, North Dakota vehicle owners must understand the way insurance companies set your policy premium because rates are impacted by many factors.

Cut your car insurance rates with discounts

Companies that sell car insurance do not list every discount they offer very well, so we break down a few of the more well known and the more hidden discounts that you can inquire about if you buy Fargo auto insurance online. If you don't get every credit you qualify for, you are throwing money away.Cheaper car insurance with discounts

You should keep in mind that most of the big mark downs will not be given to the entire cost. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. If you do the math and it seems like all the discounts add up to a free policy, insurance companies wouldn't stay in business.

If you would like to view companies who offer discounts in North Dakota, click here to view.

When price shopping your coverage, making a lot of price comparisons helps you find the best price.

The providers in the list below can provide price comparisons in North Dakota. If multiple companies are shown, we recommend you compare several of them in order to find the most competitive rates.

Ford Focus Insurance Rates in Fargo, ND
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $198 $386 $308 $18 $92 $1,002 $84
Focus SE 4-Dr Sedan $184 $392 $408 $24 $122 $1,130 $94
Focus SEL 4-Dr Sedan $122 $286 $308 $18 $92 $826 $69
Focus SES 4-Dr Sedan $184 $460 $408 $24 $122 $1,198 $100
Focus SE 2-Dr Coupe $256 $638 $414 $24 $124 $1,456 $121
Focus SES 2-Dr Coupe $164 $386 $386 $22 $116 $1,074 $90
Get Your Own Custom Quote Go

Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and North Dakota minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Information does not factor in vehicle garaging location which can lower or raise insurance rates significantly.

Impact of speeding/accidents on auto insurance rates

The example below demonstrates how traffic citations and accidents can influence Ford Focus annual premium costs for different age categories. The rates are based on a single female driver, full physical damage coverage, $500 deductibles, and no discounts are taken into consideration.

Physical damage deductible comparison

One of the hardest decisions when shopping for auto insurance is the level to set your comp and collision deductibles. The following tables may aid in understanding the costs and benefits between low and high coverage deductibles. The first set of rates uses a $250 physical damage deductible and the second set of rates uses a $1,000 deductible.

Ford Focus insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $204 $394 $302 $18 $90 $1,033 $86
Focus SE 4-Dr Sedan $204 $394 $302 $18 $90 $1,033 $86
Focus SEL 4-Dr Sedan $204 $464 $302 $18 $90 $1,103 $92
Focus SES 4-Dr Sedan $204 $464 $302 $18 $90 $1,103 $92
Focus SE 2-Dr Coupe $234 $464 $342 $20 $102 $1,187 $99
Focus SES 2-Dr Coupe $234 $464 $342 $20 $102 $1,187 $99
Get Your Own Custom Quote Go
Ford Focus insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $126 $248 $302 $18 $90 $784 $65
Focus SE 4-Dr Sedan $126 $248 $302 $18 $90 $784 $65
Focus SEL 4-Dr Sedan $126 $292 $302 $18 $90 $828 $69
Focus SES 4-Dr Sedan $126 $292 $302 $18 $90 $828 $69
Focus SE 2-Dr Coupe $144 $292 $342 $20 $102 $900 $75
Focus SES 2-Dr Coupe $144 $292 $342 $20 $102 $900 $75
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and North Dakota minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Premium amounts do not factor in vehicle location which can influence premiums considerably.

Based on these figures, using a $250 deductible will cost you approximately $22 more each month or $264 annually than choosing the higher $1,000 deductible. Due to the fact that you would have to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to have more than 34 months between claims, you would most likely save money by going with a higher deductible.

Insurance can be complex

When it comes to the best insurance coverage, there isn't really a "best" method to buy coverage. Everyone's situation is unique.Drive safe and save

Here are some questions about coverages that may help you determine whether you would benefit from professional advice.

If you can't answer these questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Insurance is available from your local insurance agencies

A lot of people still prefer to buy from a local agent and that is not a bad decision The best thing about getting free rate quotes online is that you can find the best rates and still choose a local agent.

Insurance agency in FargoFor easy comparison, once you complete this simple form, the coverage information is instantly submitted to companies in Fargo who will gladly provide quotes for your insurance coverage. You won't even need to contact any insurance agencies due to the fact that quote results will go instantly to you. You'll get the best rates AND a local agent. If you have a need to get a price quote from a specific insurance company, just navigate to their website and submit a quote form there.

Picking the best company should include more criteria than just the bottom line cost. Here are some questions you should ask.

Two different types of auto insurance agents

When searching for a reliable insurance agent, there are two different types of agencies and how they differ in how they quote coverages. Insurance policy providers can either be independent (non-exclusive) or exclusive.

Exclusive Insurance Agencies

Agents in the exclusive channel work for only one company such as State Farm, Allstate, and Farm Bureau. These agents are not able to provide prices from multiple companies so you need to shop around if the rates are high. Exclusive insurance agents are highly trained on their company's products and that can be a competitive advantage.

Below is a list of exclusive insurance agents in Fargo who can help you get comparison quotes.

3187 Bluestem Dr Ste 3 - West Fargo, ND 58078 - (701) 893-3000 - View Map

3301 13th Ave S - Fargo, ND 58103 - (701) 232-6496 - View Map

3015 13th Ave S - Fargo, ND 58103 - (701) 232-3787 - View Map

More Fargo agents

Independent Insurance Agents

Agents of this type are not locked into one company so as a result can place your coverage with lots of companies and potentially find a lower price. If they find a lower price, your agent can switch companies and the insured can keep the same agent. When comparing insurance prices, you should always get insurance quotes from independent agents so that you have a good selection of quotes to compare.

Listed below are Fargo independent insurance agents that can give you price quote information.

158 W Beaton Dr #100 - West Fargo, ND 58078 - (701) 277-1710 - View Map

1020 36th St S c - Fargo, ND 58103 - (701) 280-8860 - View Map

3101 39th St S - Fargo, ND 58104 - (701) 281-8200 - View Map

More Fargo agents

One last thing to lower rates

As you prepare to switch companies, it's very important that you do not reduce coverage to reduce premium. Too many times, an insured cut uninsured motorist or liability limits to discover at claim time that the small savings ended up costing them much more. Your goal is to find the BEST coverage at a price you can afford, not the least amount of coverage.

We just showed you a lot of ways to compare Ford Focus insurance premium rates in Fargo. The most important thing to understand is the more rate comparisons you have, the higher the chance of saving money. Consumers could even find that the biggest savings come from a smaller regional carrier.

Consumers change insurance companies for any number of reasons including denial of a claim, lack of trust in their agent, extreme rates for teen drivers or even an unsatisfactory settlement offer. Regardless of your reason, choosing a new insurance company is not as difficult as it may seem.

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