Best Cheap Insurance Quotes for a Ford Focus in Nevada

When we talk about car insurance, the word affordable should never be used anywhere in the article. Notwithstanding, cheap car insurance for a Ford Focus is not easy to find. Don’t let that ruin your day, because there may be ways you can find and buy auto insurance that is cheaper than your current policy.

Your ability to find the cheapest auto insurance for a Ford Focus in Nevada relies on a whole bunch of factors such as the mileage of your daily commute, if you have a tendancy to file claims, and if you have a history of accidents. Drivers in Nevada on average pay around $1,030 annually to insure their Focus, but that rate is an approximation rating a 30-year-old married female who needs full physical damage coverage and $100 policy deductibles.

This brings up the issue that more than likely you are not exactly 30 years old and possibly not even female, maybe you are single instead of married, or maybe you’ve had an at-fault accident or two. Everone’s needs are different, and this illustrates why the best method for finding cheap car insurance rates for your Ford is to make a habit of regularly comparing rates from other companies. Quotes are free and easy and you will get price quotes from top-rated car insurance companies that insure Ford vehicles in Nevada.

Find Cheaper Ford Focus Insurance

Vehicle trim level will influence the insurance rate, so the price you pay to insure a Focus S 4-Dr Sedan model will cost $176 less than the cost to insure the more costly Focus SES 2-Dr Coupe version, as shown by the rates below.

Table data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Price information does not factor in vehicle garaging location which can modify auto insurance rates substantially.

Picking the highest-rated auto insurance company can be difficult considering how many companies there are to choose from in Nevada. The ranking information in the next section may help you select which auto insurance companies you want to consider comparing prices from.

The rankings below are only made up of large insurance companies, so smaller companies that only insure vehicles in Nevada are not included in this list. To get rate quotes from these top-rated insurers and more, click this link.

Top 10 Major Auto Insurance Providers Overall in Nevada

1. USAA
2. American Family
3. State Farm
4. The Hartford
5. AAA Insurance
6. GEICO
7. The General
8. Titan Insurance
9. Progressive
10. Mercury Insurance

Top 10 Major Auto Insurance Providers in Nevada Ranked by Claims Service

1. State Farm
2. Esurance
3. AAA Insurance
4. Progressive
5. GEICO
6. Liberty Mutual
7. Allstate
8. Titan Insurance
9. The Hartford
10. Mercury Insurance

Top Companies for Ford Focus Insurance in Nevada

Safe drivers pay less for auto insurance

The best way to enjoy the best cheap insurance for a Ford Focus in Nevada is to pay attention while driving and avoid tickets and accidents. The information below demonstrates how traffic citations and accident claims drive up car insurance costs for different age groups. The costs are based on a single male driver, comp and collision included, $500 deductibles, and no discounts are factored in.

In the previous chart, the average cost of auto insurance per year with no accidents and a clean driving record is $1,798. Factor in two speeding tickets and the average cost rises to $2,378, an increase of $581 each year. Next add one accident along with the two speeding tickets and the 12-month cost of auto insurance for a Ford Focus increases to an average of $2,978. That’s an increase of $1,181, or $98 per month, just for not driving responsibly!

Difference between full coverage and liability only rates

Finding the best cheap insurance for a Ford Focus in Nevada is the goal of the majority of people, and one good way to save on the cost of insurance is to buy only liability coverage. The diagram below shows the difference between premium costs with full physical damage coverage compared to only buying liability only. The price estimates are based on a clean driving record, no claims, $500 deductibles, marital status is single, and no policy discounts are applied.

Averaged for all ages 20 through 70, comprehensive and collision coverage on your policy costs an extra $1,940 per year more than just buying liability insurance. That brings up the question if you should buy full coverage at all. There is no definitive guideline for eliminating comp and collision coverage, but there is a general school of thought. If the yearly cost of comp and collision coverage is more than about 10% of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.

For example, let’s assume your vehicle’s replacement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $5,000 after the policy deductible has been paid. If it’s costing in excess of $500 annually for your policy with full coverage, then you might want to think about dropping full coverage.

Cheap Ford Focus insurance quotes

There are a variety of different ways to quote auto insurance rates in Nevada, but the most common ways are from an exclusive agency like State Farm or Allstate, an independent insurance agent, or direct online or over the phone from a company like Progressive or Geico. They all have the same basic principle, but they differ in how they price policies.

Independent agents are appointed by several companies and can provide price quotes from each one. These agents will get prices from more than one company, which may give you improved odds of finding cheaper coverage. If prices rise, your policy can be easily switched to a different company and you don’t have to find a new agent.

An exclusive ageny is able to quote prices with one insurance company, two popular examples being an Allstate or State Farm agent. These agents usually cannot provide multiple price quotes, which necessitates shopping around.

Buying direct means you skip an exlusive or independent agent and buy direct from companies such as Progressive or Esurance. This option can be a good choice for consumers who do not have a complex risk profile and have knowledge of what coverages, limits, and deductibles they need.

Which way works best to buy the best cheap insurance for a Ford Focus in Nevada? We wish we could say buying from a direct car insurance company yields the cheapest rates since that prevents the need to pay agent commissions, but in reality, that is not true. We could also say that using an independent agent guarantees the cheapest rates since they can quote with many companies, but again, it’s not a sure thing. And occasionally, exclusive agents have extremely competitive rates well below independent agents AND direct companies.

Since auto insurance prices vary so much, really the only way to ensure you are not overpaying is to get as many comparison quotes as possible. The best approach is to get prices from all three types to have the best rate selection. We compiled a list of companies with some of the cheapest online rates that you can click here to view.

How to find the cheapest insurance for a Ford Focus

The list below shows some money-saving solutions that can help Nevada drivers locate cheaper car insurance.

• Ensure your driving record is clean
• Do not file small claims
• Higher physical damage deductibles lower rates
• Buy your homeowners policy from the same company as your auto insurance
• Drivers with good credit ratings often pay less
• Maintain a safe distance and avoid accidents
• Keep rates low by shopping around frequently

The last idea is highly crucial, as was noted in this article. Prices change a lot, so don’t be afraid to buy a policy from a new company if a better rate can be found. We understand brand loyalty, but it’s not recommended if that devotedness results in you overpaying lots of hard earned cash every month. In just a few minutes you could shop around to find cheaper insurance for a Ford Focus.