Affordable Quotes for Ford Focus Insurance in Jersey City

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Ford Focus insurance image courtesy of QuoteInspector.com

If you want to save money, the best way to get cheaper Ford Focus insurance is to make a habit of regularly comparing prices from providers who sell auto insurance in Jersey City. This can be done by completing these steps.

  1. Gain an understanding of how insurance companies determine prices and the things you can change to lower rates. Many rating criteria that result in higher prices such as tickets, at-fault accidents, and a low credit score can be rectified by making minor driving habit or lifestyle changes.
  2. Obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give rate quotes from one company like Progressive or Allstate, while agents who are independent can provide prices for a wide range of insurance providers.
  3. Compare the new quotes to your existing rates to see if a cheaper rate is available in Jersey City. If you find a lower rate and buy the policy, make sure coverage is continuous and does not lapse.
  4. Provide notification to your current company of your decision to cancel your current car insurance policy and submit the signed application along with the required initial payment for the new policy. Once the application is submitted, place your new proof of insurance certificate in your vehicle.

The critical component of shopping around is that you'll want to make sure you compare the same liability limits and deductibles on every quote request and and to get price estimates from as many auto insurance providers as possible. This ensures a fair price comparison and a thorough selection of prices.

Discount Ford Focus insuranceIt's hard to believe, but a large majority of auto insurance policyholders renewed their policy with the same company for four years or more, and almost 40% of drivers have never compared rates to find cheaper insurance. New Jersey drivers could save about 40% each year just by shopping around, but they just assume it's a time-consuming process to save money by comparing rate quotes.

If you currently have insurance, you will be able to save money using this strategy. Pricing the most affordable insurance coverage in Jersey City is not as hard as you think. But New Jersey vehicle owners must understand how the larger insurance companies sell insurance online and use it to your advantage.

The method we recommend to get rate comparisons for Ford Focus insurance in Jersey City is to know all the major auto insurance companies pay for the opportunity to give you rate quotes. The one thing you need to do is give them rating details including driver details, if it has an alarm system, marital status, and whether you drive to work or school. The rating information is automatically sent to many of the top insurers and they return quotes with very little delay.

If you wish to get multiple quotes for your Ford Focus now, click here then complete the form.

The companies shown below are our best choices to provide free rate quotes in Jersey City, NJ. If you want cheaper car insurance in New Jersey, we suggest you visit several of them in order to find the most competitive rates.

These discounts can lower your insurance quotes

Some insurers don't list all discounts in an easy-to-find place, so we took the time to find both the well known as well as some of the hidden credits that may apply to you.Save money with discounts

  • Save with More Vehicles Insured - Buying insurance for multiple cars with one company could earn a price break for each car.
  • Discounts for Federal Employees - Active or former government employment can save as much as 8% depending on your insurance provider.
  • Cautious Drivers - Drivers who avoid accidents can save as much as half off their rates compared to accident prone drivers.
  • Braking Control Discount - Cars that have steering control and anti-lock brakes are much safer to drive and will save you 10% or more on Focus insurance in Jersey City.
  • Telematics Discount - People who choose to allow data collection to track when and where they use their vehicle through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate may get a rate reduction as long as the data is positive.
  • Sign Online - A handful of insurance companies provide a small discount shop Jersey City auto insurance on the internet.

As is typical with insurance, many deductions do not apply to the entire cost. Most cut individual premiums such as physical damage coverage or medical payments. Just because you may think having all the discounts means you get insurance for free, companies don't profit that way.

The chart below illustrates the comparison of Ford Focus auto insurance costs with and without policy discounts. The rates are based on a male driver, a clean driving record, no claims, New Jersey state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, multi-car, claim-free, marriage, and homeowner discounts applied.

Car insurance companies that have some of the above discounts include:

Before buying, ask each company which discounts can lower your rates. Discounts may not apply in every state. To find insurers who offer cheap Ford Focus insurance quotes in New Jersey, click here.

Ford Focus insurance statistics and information

The information below highlights different insurance rates for Ford Focus models. Having knowledge of how insurance premiums are calculated helps drivers make informed decisions.

Ford Focus Insurance Rates in Jersey City, NJ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $318 $720 $582 $34 $174 $1,828 $152
Focus SE 4-Dr Sedan $318 $720 $582 $34 $174 $1,828 $152
Focus SEL 4-Dr Sedan $318 $848 $582 $34 $174 $1,956 $163
Focus SES 4-Dr Sedan $318 $848 $582 $34 $174 $1,956 $163
Focus SE 2-Dr Coupe $364 $848 $658 $38 $196 $2,104 $175
Focus SES 2-Dr Coupe $364 $848 $658 $38 $196 $2,104 $175
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Data rating is based on single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and New Jersey minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Prices do not factor in specific location which can impact coverage rates significantly.

Physical damage deductibles: Should you raise them?

When shopping for car insurance, a common question is how high should the deductibles for physical damage be. The tables below can help show the rate difference when you select higher and lower physical damage deductibles. The first rate quote example uses a $250 physical damage coverage deductible and the second set of prices uses a $1,000 deductible.

Ford Focus insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $324 $626 $480 $28 $144 $1,627 $136
Focus SE 4-Dr Sedan $324 $626 $480 $28 $144 $1,627 $136
Focus SEL 4-Dr Sedan $324 $738 $480 $28 $144 $1,739 $145
Focus SES 4-Dr Sedan $324 $738 $480 $28 $144 $1,739 $145
Focus SE 2-Dr Coupe $372 $738 $544 $32 $162 $1,873 $156
Focus SES 2-Dr Coupe $372 $738 $544 $32 $162 $1,873 $156
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Ford Focus insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $200 $394 $480 $28 $144 $1,246 $104
Focus SE 4-Dr Sedan $200 $394 $480 $28 $144 $1,246 $104
Focus SEL 4-Dr Sedan $200 $464 $480 $28 $144 $1,316 $110
Focus SES 4-Dr Sedan $200 $464 $480 $28 $144 $1,316 $110
Focus SE 2-Dr Coupe $230 $464 $544 $32 $162 $1,432 $119
Focus SES 2-Dr Coupe $230 $464 $544 $32 $162 $1,432 $119
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Rate quotes do not factor in garaging location in Jersey City which can change coverage rates noticeably.

We can estimate from the data above that using a $250 deductible costs an average of $35 more each month or $420 each year across all Ford Focus models than selecting the higher $1,000 deductible. Because you would pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you have more than 21 months between claim filings, you would probably come out ahead by selecting a higher deductible.

The example below demonstrates how deductible levels and can affect Ford Focus insurance prices for different categories of driver ages. The prices are based on a married female driver, comprehensive and collision coverage, and no discounts are taken into consideration.

Liability only or full coverage

The chart below visualizes the comparison of Ford Focus auto insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in New Jersey. The premiums assume no claims or violations, $1,000 deductibles, drivers are not married, and no discounts are taken into consideration.

When to drop comprehensive and collision coverage

There is no clear-cut formula to exclude full coverage on your policy, but there is a general convention. If the yearly cost of full coverage is 10% or more of the settlement you would receive from your company, then it could be time to drop full coverage.

For example, let's assume your Ford Focus replacement value is $8,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, you would only receive $7,000 after paying the physical damage deductible. If it's costing you more than $700 a year to have full coverage, the it may be a good time to stop paying for full coverage.

There are some scenarios where only buying liability is not financially feasible. If you still have a loan on your vehicle, you have to carry full coverage to satisfy the loan requirements. Also, if you can't afford to buy a different vehicle in case of an accident, you should not drop full coverage.

Six factors that impact insurance rates

Many different elements are used in the calculation when you get your auto insurance bill. Some are obvious such as traffic violations, although some other factors are less obvious such as your marital status or your commute time. Part of the car insurance buying process is learning some of the factors that play a part in calculating your premiums. When consumers understand what influences your rates, this allows you to make educated decisions that could result in cheaper rates.

Raise your comp and collision deductibles for better rates - Protection for physical damage, also known as collision and other-than-collision, covers damage that occurs to your Ford. Some coverage claims are a broken windshield, collision with an animal, and rolling your vehicle. The deductibles you choose define the amount you are willing to pay before a claim is paid by your company. The more expense you are required to pay out-of-pocket, the better rate you will receive.

Liability coverage preserves assets - Your policy's liability coverage is the coverage that protects you when you are responsible for damages from an accident. This coverage provides legal defense up to the limits shown on your policy. Liability is cheap when compared to the cost of physical damage coverage, so buy as much as you can afford.

Accidents increase rates - Being a careful driver has a big impact on rates. Careful drivers pay lower auto insurance prices than their less careful counterparts. Only having one speeding ticket can increase the cost of insurance by twenty percent. Drivers who get careless violations such as DUI or willful reckless driving might be required by their state to complete a SR-22 to the state department of motor vehicles in order to drive a vehicle legally.

The diagram below illustrates how violations and fender-benders impact Ford Focus premium costs for different age categories. The premium estimates are based on a married female driver, full physical damage coverage, $1,000 deductibles, and no discounts are factored in.

Your occupation is a factor - Occupational choices like military personnel, airline pilots, and financial analysts generally have higher rates than average because of job stress and long work hours. Conversely, occupations like farmers, historians and the unemployed receive lower rates.

Frequent policy claims increase prices - If you're an insured who likes to file claims you can definitely plan on higher premiums or even policy non-renewal. Auto insurance companies in New Jersey give most affordable rates to drivers who are not frequent claim filers. Auto insurance is designed for the large, substantial claims.

Better prices with anti-theft devices - Buying a car with a theft deterrent system can help lower your premiums. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help stop your vehicle from being stolen.

Loss statistics for a Ford Focus - Auto insurance companies use data from past claims to help determine prices. Models that statistically have increased losses will have increased rates.

The table shown below demonstrates the collected loss data for Ford Focus vehicles. For each coverage category, the loss probability for all vehicles averaged together is set at 100. Numbers below 100 are indicative of better than average losses, while values over 100 indicate frequent claims or tendency to have higher losses.

Auto Insurance Loss Data for Ford Focus Models
Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Ford Focus 106 98 90 103 109 111
Ford Focus Electric 87 85 66
BETTER
AVERAGE
WORSE

Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Can't I get rate quotes from local Jersey City insurance agencies?

Many drivers still prefer to have an agent's advice and that is not a bad decision A good thing about comparing insurance prices online is the fact that drivers can get cheaper car insurance rates and still have a local agent. Putting coverage with local insurance agencies is important particularly in Jersey City.

Find insurance agent in Jersey CityBy using this short form, your insurance coverage information is immediately sent to local insurance agents in Jersey City who will give you bids to get your business. You won't even need to find an agent because quoted prices will be sent instantly to you. You can find better rates AND a local agent. If for some reason you want to compare rates from one company in particular, you can always jump over to their website to submit a rate quote request.

Types of car insurance agents

When narrowing the list to find a reputable agency, you need to know there are two types of insurance agents and how they differ in how they quote coverages. Jersey City agents are categorized either exclusive or independent (non-exclusive).

Independent Agencies or Brokers

These agents are normally appointed by many insurers and that is an advantage because they can write policies with lots of companies and find you cheaper rates. If you are not satisfied with one company, an independent agent can move your coverage and you don't have to switch agencies. If you are trying to find cheaper rates, you need to include at a minimum one independent agency for the best price selection. A lot of them also have access to mutual insurance companies that many times have cheaper rates.

Shown below is a small list of independent agents in Jersey City that may be able to provide free auto insurance rate quotes.


  • 775 Newark Ave - Jersey City, NJ 07306 - (201) 217-1780 - View Map
  • All Insurance Services Inc
    574 Newark Ave - Jersey City, NJ 07306 - (201) 963-8888 - View Map
  • Sam's Insurance and Travel
    3396 John F. Kennedy Blvd - Jersey City, NJ 07307 - (201) 659-6800 - View Map

More insurance agents

Exclusive Insurance Agencies

These type of agents write business for a single company like Farmers Insurance, Allstate, or State Farm. These agents are not able to give you multiple price quotes so they are skilled at selling on more than just price. Exclusive agents are well schooled on the products they sell and that enables them to sell even at higher rates. Some people will only choose to use an exclusive agent partially due to loyalty to the company rather than low rates.

Listed below is a list of exclusive insurance agents in Jersey City that can give you rate quotes.

More insurance agents

Deciding on an auto insurance agent is decision based upon more than just the quoted price. Before buying a policy in Jersey City, get answers to these questions.

  • How experienced are they in personal risk management?
  • When do they do policy reviews?
  • If your car is in the repair shop, do you have coverage for a rental car?
  • Is the agency active in community causes in Jersey City?
  • How would your car be valued if totaled?
  • How many companies do they write for?

What is the best auto insurance company in Jersey City?

Ending up with the top insurance provider is difficult considering how many companies there are to choose from in New Jersey. The ranking information shown below could help you select which auto insurance companies you want to consider purchasing from.

Top 10 Jersey City Car Insurance Companies Ranked by Value

  1. The Hartford
  2. Mercury Insurance
  3. Farmers Insurance
  4. Safeco Insurance
  5. AAA Insurance
  6. 21st Century
  7. Travelers
  8. State Farm
  9. Progressive
  10. American Family

Top 10 Jersey City Car Insurance Companies Ranked by Customer Service

  1. Mercury Insurance
  2. The Hartford
  3. American Family
  4. Progressive
  5. GEICO
  6. USAA
  7. State Farm
  8. Travelers
  9. Farmers Insurance
  10. Allstate

The most affordable rates come from being thorough

As you shop your coverage around, don't be tempted to sacrifice coverage to reduce premiums. There have been many situations where consumers will sacrifice liability coverage limits to discover at claim time that the small savings ended up costing them much more. The ultimate goal is to get the best coverage possible for the lowest cost.

Drivers who switch companies do it for a number of reasons such as high prices, lack of trust in their agent, poor customer service or even delays in responding to claim requests. No matter why you want to switch, finding a new insurance company can be less work than you think.

We just showed you a lot of information how to lower your Ford Focus insurance rates in Jersey City. The key thing to remember is the more providers you compare, the better likelihood of getting affordable Jersey City auto insurance quotes. Consumers may even find the best price on insurance is with a small local company.

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