Best Cheap Insurance for a Ford Focus in Montana

Our staff writers always rib each other than when writing about auto insurance, the words “affordable” or “cheap” should never be used as a descriptor for auto insurance rates. Nonetheless, cheap car insurance for a Ford Focus can be hard to find. Don’t let that bother you, though, because we are going to tell you how you can still find auto insurance that is cheaper than your current rate.

Your odds of finding cheap auto insurance for a Ford Focus in Montana is contingent on a lot of different factors like annual vehicle mileage, your geographic location, and driving violations and tickets. Drivers in Montana on average pay approximately $1,850 a year to buy Ford Focus insurance, but that price is an estimation using a 40-year-old single female that purchased both comprehensive and collision coverage and $500 deductibles.

It’s highly likely you’re not a 40-year-old female, possibly married instead of single, or maybe you have a teenager that needs to be on your policy. Every policy is rated specifically for the driver, so the best method for finding the cheapest coverage for your Ford is to comparison shop your policy at every renewal or at least every couple of years. It only takes a couple of minutes and you can get rates from top-rated car insurance companies that sell coverage in Montana.

Insure Your Ford for Less

The specific model of Focus tends to impact the insurance rate, so the price you will be charged to insure a Focus S 4-Dr Sedan trim level will cost $300 less than the cost to insure the fancier Focus SES 2-Dr Coupe model, as demonstrated by the prices below.

Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Montana minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Premium amounts do not factor in specific location information which can modify premium rates significantly.

Figuring out which company has the lowest-priced insurance rates for a Ford Focus requires a little more sweat than just quoting one company’s rates. Every insurance provider has a proprietary formula to establish rates, so we will examine the most competitive insurance companies in Montana.

It’s a good idea to know that Montana insurance rates are calculated based on many things that will increase or decrease the cost of having a policy. Getting older, buying a new vehicle, or getting a ticket for running a stop sign can trigger rate changes resulting in some rates now being more affordable than the competition.

Find the Best Cheap Insurance for Your Focus

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Safeco has some of the best car insurance rates in Montana at around $828 a year. Progressive, USAA, State Farm, and MetLife also are some of the most economical Montana auto insurance companies.

As shown in the table above, if you are currently insured with State Farm and switched to Progressive, you might see an annual premium reduction of in the vicinity of $87. Montana drivers with MetLife could save as much as $204 a year, and National Farmers Union customers might cut rates by $257 a year.

To see if your current coverage is too expensive, click here to begin a quote or click through to the companies below.

Understand that those premiums are averages across all drivers and vehicles and and are not calculated with a specific rate value for a Ford Focus. So the car insurance company that fits you best may not even be included in the list above. That’s why you need to compare rates from as many companies as possible using your own specific driver and vehicle information.

The example below illustrates how your deductible choice can change insurance costs when trying to find cheap insurance for a Ford Focus. The rate quotes are based on a single female driver, comp and collision included, and no discounts are taken into consideration.

As shown above, a 30-year-old driver could save $710 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $1,068 by choosing a $1,000 deductible. Even younger drivers, such as the Age 20 example, can cut up to $1,594 annually by choosing a larger deductible amount.

If you make the decision to raise deductibles, it is a good idea to have plenty of money set aside to enable you to pay the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.

Price comparison of only insuring for liability

Finding the best cheap insurance for a Ford Focus in Montana should be important to the majority of drivers, and one way to pay less for insurance is to not pay for full coverage. The diagram below visualizes the comparison of insurance rates with full physical damage coverage compared to only buying liability only. The prices are based on no violations or accidents, $1,000 deductibles, marital status is single, and no discounts are applied.

As an overall average, physical damage insurance costs $3,228 per year more than carrying just liability coverage. That is a big expense that brings up the question if full coverage is worth the money. There isn’t a steadfast formula of when to exclude comprehensive and collision coverage on your policy, but there is a general convention. If the annual cost of coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.

Allstate, State Farm, Geico, and Progressive compared

When shopping for insurance for a Focus, some of the first companies to look at are Allstate, State Farm, Geico, and Progressive. The data below breaks down some of the different options and features that policyholders can buy.