If you're looking for lower-priced insurance, are you frustrated by the dozens of car insurance providers available to you? Many other drivers are too. There are so many providers available that it is a chore to locate the lowest prices for Ford Focus insurance in New York City. Everyone knows New York City is a great place to live, but finding the money to pay for car insurance can make it difficult for lots of drivers to purchase enough protection.
Unimaginable but true, almost 70% of insureds in New York have stayed with the same insurance company for at least the last four years, and approximately 40% of consumers have never shopped around. American insurance shoppers can cut their rates by almost $860 a year just by getting comparison quotes, but most tend to underestimate how much money they would save if they switch to a new company.
Affordable Ford insurance prices in New York City
The companies shown below offer price quotes in New York. To buy cheap auto insurance in New York, it's a good idea that you visit several of them to find the lowest auto insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Focus S 4-Dr Sedan||$132||$256||$272||$16||$82||$758||$63|
|Focus SE 4-Dr Sedan||$124||$286||$300||$18||$90||$818||$68|
|Focus SEL 4-Dr Sedan||$110||$256||$264||$16||$80||$726||$61|
|Focus SES 4-Dr Sedan||$198||$484||$264||$16||$80||$1,042||$87|
|Focus SE 2-Dr Coupe||$176||$398||$314||$18||$94||$1,000||$83|
|Focus SES 2-Dr Coupe||$128||$272||$282||$16||$84||$782||$65|
|Get Your Own Custom Quote Go|
Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and New York minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Rate quotes do not factor in the specific area where the vehicle is garaged which can lower or raise rates significantly.
Should you raise deductibles?
The information below highlights how deductible choice and can increase or decrease Ford Focus yearly insurance costs for different age groups. The prices are based on a single male driver, full physical damage coverage, and no discounts are applied to the premium.
Liability only or full coverage
The chart below examines Ford Focus auto insurance rates with liability coverage only compared to full coverage. The information is based on a clean driving record, no claims, $250 deductibles, married male driver, and no discounts are taken into consideration.
When to eliminate full coverage
There is no written rule to exclude physical damage insurance, but there is a general convention. If the annual cost of coverage is more than about 10% of the settlement you would receive from your company, then you might want to consider buying only liability coverage.
For example, let's say your Ford Focus settlement value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would receive is $2,000 after the deductible is paid. If it's costing in excess of $200 a year for physical damage coverage, then it's probably a good time to buy liability coverage only.
There are a few cases where removing full coverage is not financially feasible. If you haven't paid off your loan, you are required to maintain full coverage as part of the loan conditions. Also, if you don't have enough money to buy a different vehicle in the event your current vehicle is totaled, you should not remove full coverage.
Lower-cost New York City auto insurance quotes with discounts
Companies that sell car insurance do not list all discounts very well, so the list below contains a few of the more common as well as some of the hidden auto insurance savings. If you do not double check each discount you deserve, you are throwing money away.
- Clubs and Organizations - Affiliation with qualifying clubs or civic groups could trigger savings when shopping for auto insurance.
- Pay Upfront and Save - If you pay your entire premium ahead of time rather than paying in monthly installments you could save up to 5%.
- Passive Restraints and Air Bags - Cars that have air bags may get savings of 20 to 30 percent.
- No Claims - Good drivers with no accidents get the best auto insurance rates as compared to drivers with a long claim history.
- Federal Government Employee - Active or former government employment could cut as much as 10% off depending on your auto insurance provider.
Discounts reduce rates, but you should keep in mind that most credits do not apply to the entire cost. Most cut individual premiums such as physical damage coverage or medical payments. So when it seems like having all the discounts means you get insurance for free, company stockholders wouldn't be very happy.
To view auto insurance companies with discount rates in New York City, click this link.
Car insurance is available from your local insurance agencies
Certain consumers still prefer to sit down and talk to an agent and doing that can be a smart decision One of the great benefits of comparing car insurance online is that you can obtain the lowest rates and still buy from a local agent.
To find an agent, once you fill out this short form, the quote information is submitted to insurance agents in New York City that provide free New York City car insurance quotes to get your business. You don't have to leave your house due to the fact that quote results will go to you directly. You can most likely find cheaper rates without the usual hassles of price shopping. If you wish to quote rates from a particular provider, don't hesitate to go to their quote page and give them your coverage information.
Choosing an insurer shouldn't rely on just a cheap price. Any agent in New York City should be forthright in answering these questions:
- How long have they worked with personal auto insurance coverage?
- Are they giving you every discount you deserve?
- Are aftermarket or OEM parts used to repair vehicles?
- Does the agency have a current Errors and Omissions policy?
- What companies can they write with?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Do the coverages you're quoting properly cover your vehicle?
If you are wanting to find a reliable insurance agency, it's important to understand the types of insurance agents that you can select. Car insurance agents in New York City can be described as either independent or exclusive.
Exclusive agencies have only one company to place business with and some examples include Farmers Insurance, State Farm, or Allstate. They generally cannot shop your coverage around so always compare other rates. Exclusive agencies receive extensive training on what they offer which helps them compete with independent agents. A lot of people purchase coverage from exclusives mostly because of the prominent brand name rather than having the cheapest rates.
Listed below are New York City exclusive agents who can help you get comparison quotes.
- Hielly Martinez - State Farm Insurance Agent
3052 Third Ave - Bronx, NY 10451 - (347) 271-4444 - View Map
- Kate Rhee - State Farm Insurance Agent
315 5th Ave #1004 - New York, NY 10016 - (212) 725-2510 - View Map
- Allstate Insurance: Skyline Insurance Agency
6501 5th Ave - Brooklyn, NY 11220 - (718) 492-8201 - View Map
Independent Car Insurance Agents
Independent insurance agents do not sell for just one brand and that gives them the ability to insure with many different companies depending on which coverage is best. If prices rise, your agent can switch companies which is easy for the insured. When comparing rates, we recommend you compare prices from at least one independent agent so that you have a good selection of quotes to compare. Most also have access to smaller regional carriers that may have much lower rates than larger companies.
Shown below is a list of independent insurance agents in New York City that can give you comparison quotes.
- Midland Insurance Agency
595 Midland Ave #2 - Staten Island, NY 10306 - (347) 705-7912 - View Map
- Club Agency Insurance Brokerage
100 Ring Rd W Suite 200 - Garden City, NY 11530 - (866) 784-9785 - View Map
- BNC Insurance
2, 111 S Ridge St - Rye Brook, NY 10573 - (914) 937-1230 - View Map
Educate yourself about auto insurance coverages
Understanding the coverages of auto insurance aids in choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.
Comprehensive or Other Than Collision
This covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive coverage pays for things like falling objects, rock chips in glass, vandalism and hitting a deer. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle's value is low it's not worth carrying full coverage.
Medical costs insurance
Coverage for medical payments and/or PIP pay for short-term medical expenses for chiropractic care, funeral costs, rehabilitation expenses and doctor visits. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay
Coverage for liability
This coverage protects you from damage that occurs to people or other property by causing an accident. This coverage protects you from legal claims by others, and doesn't cover damage to your own property or vehicle.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/10 that translate to $25,000 in coverage for each person's injuries, a per accident bodily injury limit of $50,000, and a limit of $10,000 paid for damaged property.
Liability coverage protects against claims like repair bills for other people's vehicles, legal defense fees, repair costs for stationary objects and attorney fees. How much coverage you buy is a personal decision, but you should buy as high a limit as you can afford. New York state law requires minimum liability limits of 25/50/10 but you should think about purchasing higher limits.
Coverage for collisions
This covers damage to your Focus resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.
Collision can pay for claims such as crashing into a building, sustaining damage from a pot hole, sideswiping another vehicle and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It's also possible to raise the deductible on your Focus to get cheaper collision coverage.
This coverage provides protection when the "other guys" do not carry enough liability coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your Ford Focus.
Since many New York drivers have only the minimum liability required by law (25/50/10), their limits can quickly be used up. So UM/UIM coverage should not be overlooked.
Smart shoppers get results
Low-cost Ford Focus insurance in New York City is definitely available on the web in addition to many New York City insurance agents, so you should be comparing quotes from both to have the best rate selection. Some insurance companies may not offer online price quotes and these regional insurance providers provide coverage only through independent agents.
People switch companies for a number of reasons such as being labeled a high risk driver, an unsatisfactory settlement offer, policy cancellation and high prices. It doesn't matter what your reason, choosing a new insurance company is not as difficult as it may seem.
When buying insurance coverage, you should never buy poor coverage just to save money. There have been many situations where someone dropped full coverage only to regret at claim time that they should have had better coverage. Your strategy should be to buy the best coverage you can find at the lowest possible cost while not skimping on critical coverages.
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