Cheap Insurance Quotes for a Ford Focus in Maryland

Your odds of finding cheaper insurance for a Ford Focus in Maryland depends upon many rating factors such as the safety features built into your vehicle, whether you are claim-free, and your choice of physical damage deductibles. Drivers in Maryland on average pay around $940 every 12 months to insure a Focus, but that cost is an approximation using rate data for a 40-year-old married male driver that included full coverage including both comprehensive and collision and $1,000 deductibles.

There is a high probability that you are not 40 and maybe not even a male, maybe you are single instead of married, and maybe you have sub-par credit that needs to be factored in. Even a minor change in rating variables or coverage information can cause significant differences in the policy rate.

The different assumptions illustrate why the most reliable way to find the most affordable coverage for your Ford is to do your own rate comparisons. Quotes only take a few minutes and you will be able to compare rates from the cheapest companies around.

Insure Your Ford for Less

Vehicle trim level has an effect on the insurance rate, so the rate you will pay to insure a Focus S 4-Dr Sedan trim level will be $150 less expensive the price to insure the more well-appointed Focus SES 2-Dr Coupe trim level, as shown below.

Data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Maryland minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Table data does not factor in your specific Maryland location which can influence coverage rates considerably.

Finding reliable, affordable auto insurance is not most people’s favorite thing to do, and determining which companies have the cheapest car insurance rates for a Ford Focus will take additional perseverance. Each insurance company uses different criteria for determining rates, so we’ll go over the car insurance companies that tend to have lower prices in Maryland.

Find the Best Cheap Insurance for Your Focus

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USAA offers some of the lowest car insurance rates in Maryland at around $920 annually. Liberty Mutual, Penn National, Erie, and State Auto are also some of the more affordable Maryland insurance companies.

In the above example, if you currently buy coverage from Erie and switched to USAA, you might realize savings of upwards of $241. Insureds with State Auto could save as much as $294 a year, and Amica policyholders might see rate reductions of $388 a year.

Be aware that those estimates are averaged across all types of drivers and the different vehicles they drive and do not factor in a specific rate value for a Ford Focus. So the insurer that has the lowest price for you may not even be featured in the company chart above. That points out the importance of why you need to compare as many prices as possible using your own personalized driver profile and vehicle information.

How to get discounts on Maryland car insurance

Car insurance companies that offer cheap insurance for a Ford Focus in Maryland could also offer rate discounts that could reduce prices by 35% or more if you are eligible for them. A few of the larger companies and a selection of discounts are:

• Farm Bureau has discounts for youthful driver, multi-vehicle, renewal discount, driver training, good student, 55 and retired, and multi-policy.
• MetLife may offer discounts for multi-policy, claim-free, good driver, accident-free, good student, defensive driver
• Progressive offers discounts for online quote discount, online signing, continuous coverage, multi-vehicle, good student, homeowner, and multi-policy.
• AAA has savings for AAA membership discount, anti-theft, multi-car, good driver, and multi-policy.
• American Family offers premium reductions for defensive driver, good student, air bags, early bird, and mySafetyValet.
• GEICO may have discounts that include seat belt use, five-year accident-free, defensive driver, multi-vehicle, and federal employee.
• State Farm offers discounts including defensive driving training, good student, driver’s education, accident-free, multiple policy, Steer Clear safe driver discount, and multiple autos.

The example below visualizes the comparison of yearly insurance costs with and without discounts applied to the rates. The premiums assume a female driver, no claims, a clean driving record, Maryland state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with homeowner, multiple vehicle, safe-driver, claim-free, marriage, and vehicle safety discounts applied. When drivers take advantage of discounts, the the average amount saved on car insurance for a Ford Focus is 28% or $654.

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How to find the cheapest car insurance for a Ford Focus

The list below summarizes some of the better money-saving suggestions that can help Maryland drivers quote cheap coverage.

• Higher credit scores can equal lower rates
• Save money by insuring older vehicles for liability only
• Violations like speeding or DUI increase rates
• Increase your policy deductibles
• Do not get into accidents
• Drive vehicles with five-star safety ratings
• Compare rates regularly and switch companies to save money

The last item on the list is notably critical, as was discussed in this write-up. Auto insurance rates in Maryland adjust often, so don’t be hesitant to switch companies if a more affordable rate is found.

Many drivers have brand loyalty and that’s fine, but it’s not a great idea if that loyalty ends up costing thousands of dollars over several years. Take a couple minutes and shop around to find cheaper auto insurance for a Ford Focus.