How many times have you put off comparing quotes for the cheapest Ford Focus insurance in Toledo? Frustrated by the wide range of auto insurance companies that you can choose from? You’re not alone. Consumers have such a large number of options that it can easily turn into a real difficult job to find the lowest price for Ford Focus insurance in Toledo. Toledo is a great city to raise a family in, but high auto insurance rates can make it very difficult to maintain proper levels of coverage.
Steps to finding more affordable Ford Focus insurance in Toledo
To save the most money, the best way to find better pricing on Ford Focus insurance in Toledo is to start comparing rates regularly from providers in Ohio.
Step 1: Get a basic knowledge of the coverage provided by your policy and the steps you can take to prevent rate increases. Many risk factors that cause rate increases like traffic tickets, fender benders, and an unacceptable credit rating can be amended by making small lifestyle or driving habit changes. Keep reading for the details to help reduce premium rates and find discounts that you may qualify for.
Step 2: Obtain price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give prices from one company like GEICO and State Farm, while independent agencies can quote rates from multiple companies. View a list of agents
Step 3: Compare the new rate quotes to the price on your current policy to see if a cheaper price is available in Toledo. If you find better rates and buy the policy, make sure coverage is continuous and does not lapse.
Step 4: Tell your current agent or company of your intent to cancel your current policy and submit payment and a signed application for the new coverage. As soon as you can, keep your new certificate verifying proof of insurance in an accessible location in your vehicle.
One tip to remember is to make sure you’re comparing the same physical damage deductibles and liability limits on every quote and and to get quotes from every company you can. This provides the most accurate price comparison and the best price selection.
Unbelievable but true according to a study most drivers in Ohio kept buying from the same company for over three years, and 38% of drivers have never compared rate quotes at all. Many consumers in the United States could cut their rates by approximately 47% a year by just comparing rate quotes, but they underestimate the large savings they would see if they changed companies.
You should make it a habit to compare prices once or twice a year because insurance rates are variable and change quite frequently. Just because you found the best premium rates on Ford Focus insurance in Toledo a few years ago you can probably find a lower rate today. Forget all the misinformation about auto insurance because I’m going to teach you the easiest way to reduce your cost while increasing coverage.
When comparison shopping, comparing a large number of companies helps improve the odds of finding lower pricing.
The companies in the list below can provide free quotes in Toledo, OH. If your goal is to find cheaper auto insurance in Toledo, it’s highly recommended you compare several of them to find the lowest car insurance rates.
Get cheaper Ford Focus insurance rates in Toledo
Insurance is expensive, but there could be significant discounts that you may not even know about. A few discounts will be applied at the time of quoting, but some may not be applied and must be specifically requested before being credited.
- E-sign Discounts – Many companies will provide an incentive for signing up on their website.
- Anti-lock Brake Discount – Cars, trucks, and SUVs equipped with ABS or steering control can avoid accidents so companies give up to a 10% discount.
- Save over 55 – If you qualify as a senior citizen, you may receive better insurance rates.
- Drive Less and Save – Low mileage vehicles may enable drivers to earn better prices on cars that stay parked.
- Theft Prevention System – Vehicles equipped with anti-theft or alarm systems have a lower chance of being stolen and can earn a small discount on your policy.
- Passive Restraint Discount – Options like air bags or motorized seat belts can qualify for discounts of 25 to 30%.
- Life Insurance Discount – Select insurance companies reward you with a small discount if you purchase auto and life insurance together.
- Safety Course Discount – Completing a safe driver course is a good idea and can lower rates if you qualify.
- Use Seat Belts – Drivers who require all occupants to buckle up can save up to 10 percent (depending on the company) off the medical payments premium.
A quick disclaimer, most of the big mark downs will not be given to the whole policy. Most 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, it’s just not the way it works. Any qualifying discounts will positively reduce the cost of your policy.
The diagram below visualizes the comparison of Ford Focus auto insurance rates with and without discounts applied to the premium. The premiums assume a male driver, no violations or accidents, Ohio state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, multi-policy, safe-driver, multi-car, and claim-free discounts applied.
The best insurance companies and some of the discounts are:
- American Family offers discounts including air bags, TimeAway discount, Steer into Savings, multi-vehicle, mySafetyValet, bundled insurance, and defensive driver.
- Nationwide offers discounts for multi-policy, easy pay, anti-theft, business or organization, and family plan.
- MetLife discounts include accident-free, claim-free, good driver, defensive driver, good student, multi-policy
- 21st Century has savings for homeowners, student driver, driver training, automatic seat belts, theft prevention, and defensive driver.
- Farmers Insurance may include discounts for electronic funds transfer, distant student, good student, pay in full, youthful driver, and early shopping.
- Allstate includes discounts for anti-theft, premier discount, economy car, resident student, and EZ pay plan discount.
If you need cheaper Toledo auto insurance quotes, ask all companies you are considering which discounts they offer. Savings may not apply to policies in Toledo. To find providers that offer the discounts shown above in Toledo, follow this link.
Rates and information analytics
The premium information below showcases detailed analysis of coverage prices for Ford Focus models. Having a better idea how policy rates are figured can be valuable when making smart buying decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Focus S 4-Dr Sedan | $132 | $304 | $256 | $16 | $76 | $784 | $65 |
| Focus SE 4-Dr Sedan | $132 | $304 | $256 | $16 | $76 | $784 | $65 |
| Focus SEL 4-Dr Sedan | $132 | $358 | $256 | $16 | $76 | $838 | $70 |
| Focus SES 4-Dr Sedan | $132 | $358 | $256 | $16 | $76 | $838 | $70 |
| Focus SE 2-Dr Coupe | $150 | $358 | $290 | $18 | $86 | $902 | $75 |
| Focus SES 2-Dr Coupe | $150 | $358 | $290 | $18 | $86 | $902 | $75 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Rate quotes do not factor in zip code location which can impact rates significantly.
Physical damage deductibles
One common question asked by Toledo drivers is which deductibles should you choose. The tables below can help you understand the cost difference when you select higher and lower deductibles. The first rate estimation uses a $250 deductible and the second price chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Focus S 4-Dr Sedan | $152 | $296 | $226 | $14 | $68 | $781 | $65 |
| Focus SE 4-Dr Sedan | $152 | $296 | $226 | $14 | $68 | $781 | $65 |
| Focus SEL 4-Dr Sedan | $152 | $348 | $226 | $14 | $68 | $833 | $69 |
| Focus SES 4-Dr Sedan | $152 | $348 | $226 | $14 | $68 | $833 | $69 |
| Focus SE 2-Dr Coupe | $176 | $348 | $256 | $16 | $76 | $897 | $75 |
| Focus SES 2-Dr Coupe | $176 | $348 | $256 | $16 | $76 | $897 | $75 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Focus S 4-Dr Sedan | $94 | $186 | $226 | $14 | $68 | $588 | $49 |
| Focus SE 4-Dr Sedan | $94 | $186 | $226 | $14 | $68 | $588 | $49 |
| Focus SEL 4-Dr Sedan | $94 | $220 | $226 | $14 | $68 | $622 | $52 |
| Focus SES 4-Dr Sedan | $94 | $220 | $226 | $14 | $68 | $622 | $52 |
| Focus SE 2-Dr Coupe | $108 | $220 | $256 | $16 | $76 | $676 | $56 |
| Focus SES 2-Dr Coupe | $108 | $220 | $256 | $16 | $76 | $676 | $56 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Information does not factor in specific zip code location which can increase or decrease premiums significantly.
Based on this data, we can arrive at the conclusion that using a $250 deductible costs roughly $18 more each month or $216 for a full year than opting for the higher $1,000 deductible. Since the policyholder would be required to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average at least 42 months between claim filings, you would probably save some money by going with a higher deductible.
Comparing quotes from local Toledo insurance agencies
A small number of people still prefer to have an agent’s advice and that is just fine! One of the best bonuses of comparing rates online is that drivers can save money and get the lowest rates but also keep your business local. Buying insurance from neighborhood agents is still important in Toledo.
Once you complete this form (opens in new window), your information is sent to agents in your area who want to provide quotes for your coverage. It simplifies rate comparisons since you won’t have to contact any insurance agencies because quoted prices will be sent to you directly. You can get cheaper insurance rates AND a local agent. If you want to compare rates from a specific insurance provider, you would need to find their quoting web page and fill out the quote form the provide.
When searching for a good Toledo insurance agent, it helps to know the two types of agencies and how they are slightly different. Agents in Toledo are classified as either exclusive agents or independent agents.
Independent Insurance Agents
Agents that elect to be independent are not employed by any specific company so they can insure your vehicles through many companies depending on which coverage is best. To move your coverage to a new company, they simply move your policy to a different company and the insured can keep the same agent.
If you are comparing rate quotes, it’s recommended you get rate quotes from at a minimum one independent agency in order to have the best price comparison. Many write coverage with smaller regional carriers which can save you money.
Below is a list of independent insurance agents in Toledo that may be able to give you pricing information.
- RBI Insurance and Financial Services
3421 N Holland Sylvania Rd – Toledo, OH 43615 – (419) 841-4446 – View Map - Mouch Insurance Associates, Inc.
3132 W Sylvania Ave – Toledo, OH 43623 – (419) 725-0056 – View Map - Great Lakes Insurance Partners
5215 Monroe St # 2 – Toledo, OH 43623 – (419) 841-2000 – View Map
Exclusive Insurance Agents
Agents in the exclusive channel normally can only provide a single company’s rates and examples are State Farm, AAA, and Liberty Mutual. Exclusive agents cannot provide rate quotes from other companies so they are skilled at selling on more than just price. These agents are trained well on their company’s products which can be an advantage. Consumers often buy from exclusive agents mostly because of loyalty to the company and the convenience of having all coverages with one company.
The following is a list of exclusive insurance agencies in Toledo that are able to give rate quotes.
- Allstate Insurance: Jessica J. Hernandez
1855 S Reynolds Rd B – Toledo, OH 43614 – (419) 536-9000 – View Map - Allstate Insurance: Evans Insurance Group Corp.
1900 Monroe St – Toledo, OH 43604 – (419) 241-8061 – View Map - Allstate Insurance: Yark Insurance Agency
6019 Central Ave b – Toledo, OH 43615 – (419) 842-7660 – View Map
Picking the best auto insurance agent is decision based upon more than just a low price. The following questions are important to ask.
- Do they carry Errors and Omissions coverage?
- Which companies can they place coverage with?
- How much can you save by raising your physical damage deductibles?
- Can you choose the body shop in case repairs are needed?
- Where would your vehicle be repaired?
- Is coverage determined by price?
- Do they regularly work with personal auto policies in Toledo?
- Did they already check your driving record and credit reports?
Get Cheap Insurance Rates by Understanding These Factors
Lots of factors are part of the calculation when premium rates are determined. Some of the criteria are obvious like an MVR report, although some other factors are more obscure such as whether you are married or how financially stable you are.
Rates also based on gender – Over the last 50 years, statistics have shown that females tend to be a little less risky than males. However, don’t assume that men are worse drivers. Men and women are responsible for at-fault accidents at about the same rate, but guys tend to have higher claims. Men also get cited for more serious violations such as reckless driving.
The illustration below visualizes the comparison of Ford Focus auto insurance costs for male and female drivers. The premiums assume no violations or accidents, comp and collision included, $500 deductibles, single marital status, and no discounts are taken into consideration.
Defend yourself with liability coverage – Liability coverage kicks in if you are found liable for personal injury or accident damage. Liability provides legal defense coverage to defend your case. It is affordable coverage compared to other policy coverages, so do not skimp.
Poor credit can mean higher premiums – Having a bad credit history factor in determining premium rates. Insureds that have very high credit ratings tend to file fewer claims and have better driving records than drivers who have poor credit scores. If your credit rating can use some improvement, you could potentially save money when insuring your Ford Focus if you clean up your credit.
Drive a safer car and pay less – Vehicles that have high safety ratings tend to have better insurance rates. Highly rated vehicles have better occupant injury protection and lower rates of occupant injuries means less claims paid and more competitive rates for policyholders.
Multi-policy discounts can save money – Lots of companies apply lower prices to policyholders that have more than one policy in the form of a multi-policy discount. The amount of the discounts can be five, ten or even twenty percent. If you currently are using one company, it’s in your best interest to check prices from other companies to make sure you are getting the best deal. You may still be able to save more without the discount by insuring with multiple companies.
Your employer can affect rates – Did you know that where you work can have an impact on rates? Jobs such as doctors, executives, and financial analysts generally have the highest rates because of intense work situations and lengthy work days. On the flip side, jobs like farmers, engineers and retirees pay the least.
Discounts for alarms and GPS tracking – Choosing to buy a car with advanced anti-theft systems can get you a discount on your insurance. Systems that thwart thieves such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help stop car theft.
Ford Focus insurance loss data – Insurers include the past claim history for a vehicle when setting premium rates. Vehicles that are shown to have a higher amount or frequency of claims will cost more for coverage.
The information below illustrates the actual insurance loss data for Ford Focus vehicles. For each coverage category, the statistical loss for all vehicles, as a total average, equals 100. Numbers that are below 100 indicate better than average losses, while values over 100 indicate more frequent claims or tendency to have higher losses.
| 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 |
Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
It may be expensive, but it’s not optional
Despite the high cost of buying insurance for a Ford Focus in Toledo, buying car insurance may be required for several reasons.
First, just about all states have mandatory liability insurance requirements which means you are required to buy a minimum amount of liability insurance coverage in order to drive the car. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you bought your Focus with a loan, it’s guaranteed your bank will make it mandatory that you buy insurance to guarantee their interest in the vehicle. If you do not keep the policy in force, the lender will be forced to insure your Ford for a much higher rate and force you to reimburse them for the much more expensive policy.
Third, insurance protects both your car and your assets. It will also provide coverage for hospital and medical expenses that are the result of an accident. Liability coverage also covers legal expenses if you cause an accident and are sued. If you have damage to your Ford as the result of the weather or an accident, comprehensive and/or collision insurance will pay to restore your vehicle to like-new condition.
The benefits of having insurance definitely exceed the cost, specifically if you ever have a liability claim. In a recent study of 1,000 drivers, the average customer overpays more than $820 a year so you should quote rates at least once a year to ensure rates are competitive.
Get the best coverage at the best price
Insureds who switch companies do it for a number of reasons such as high prices, delays in responding to claim requests, poor customer service or being labeled a high risk driver. No matter why you want to switch, choosing a new insurance company is easier than you think.
As you shop your coverage around, make sure you don’t reduce needed coverages to save money. In too many instances, someone sacrificed uninsured motorist or liability limits and discovered at claim time that the small savings ended up costing them much more. The aim is to buy a smart amount of coverage for the lowest price, not the least amount of coverage.
Budget-conscious Ford Focus insurance is available on the web and from local agencies, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance companies may not offer internet price quotes and these small insurance companies prefer to sell through local independent agents.
Steps to buying discount Ford Focus insurance in Toledo
If you want to find the absolute lowest rates, then the best way to get the cheapest Ford Focus insurance in Toledo is to compare quotes once a year from providers who provide auto insurance in Ohio. Price quotes can be compared by following these steps.
First, try to learn about what coverages are included in your policy and the measures you can control to drop your rates. Many rating factors that increase rates like accidents, careless driving, and a bad credit score can be rectified by making lifestyle changes or driving safer.
Second, obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give rate quotes from a single company like Progressive or State Farm, while agents who are independent can provide price quotes from multiple sources.
Third, compare the new rates to your existing rates to see if a cheaper price is available in Toledo. If you can save some money and switch companies, ensure there is no coverage lapse between policies.
Fourth, provide notification to your current agent or company to cancel your existing policy and submit payment along with a signed and completed policy application for your new policy. As soon as coverage is bound, put the new certificate verifying coverage in your vehicle’s glove compartment or console.
One piece of advice is to make sure you enter similar deductibles and liability limits on every quote request and and to get price estimates from as many companies as possible. This enables a fair rate comparison and a complete price analysis.
Additional learning opportunities
- Child Safety FAQ (iihs.org)
- Who Has Affordable Toledo Car Insurance Rates for Inexperienced Drivers? (FAQ)
- Who Has Affordable Toledo Car Insurance for Drivers with Accidents? (FAQ)
- Who Has the Cheapest Auto Insurance for Drivers Under 21 in Toledo? (FAQ)
- Who Has Cheap Toledo Auto Insurance Rates for Unemployed Drivers? (FAQ)
- Teen Driving Statistics (iihs.org)
- What is a Telematics Device? (Allstate)
- Determining Auto Insurance Rates (GEICO)
- What is Covered by an Auto Insurance Policy? (Insurance Information Institute)