Cheapest Insurance for a Ford Focus in South Dakota

We always joke that when we write about auto insurance, the words cheap or affordable should never be used anywhere in the article to describe car insurance rates. Nonetheless, cheap auto insurance for a Ford Focus can be extremely hard to find. But fear not, because there may be ways you can find and buy coverage that is cheaper than what you are paying now.

Your chances of buying cheap auto insurance for a Ford Focus in South Dakota depends upon a whole bunch of factors such as whether or not you are married, where you live, and blemishes on your driving record. South Dakota drivers will pay around $710 each year for Focus insurance, but that policy rate is a ballpark figure rating a 50-year-old married male that included both comprehensive and collision coverage and $500 physical damage deductibles.

If we were betting, you are not a 50-year-old male, you might be single instead of married, or you just want cheap liability insurance instead of full coverage. Each driver has unique rating factors, so your best chance at finding the cheapest insurance price for your Ford is to make a habit of comparing rates at every renewal.

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The specific trim level will most likely have an effect on the annual cost of coverage, so the rate you will pay to insure a Focus S 4-Dr Sedan will be $116 cheaper than the cost to insure the more well-appointed Focus SES 2-Dr Coupe version, as shown in the table below.

Data rating is based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and South Dakota minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Premium costs do not factor in vehicle location which can alter coverage prices greatly.

Finding out which company offers the cheapest car insurance rates for a Ford Focus will involve a bit more effort in order to find the lowest price quote. Every insurance provider has their own formula for determining rates, so let’s examine the car insurance companies with the most affordable rates in South Dakota.

It’s important that readers know that South Dakota car insurance rates are impacted by many things which can substantially decrease or increase your annual premium. Simply having another birthday, getting married, or having an at-fault accident can cause premium changes resulting in some rates now being cheaper in comparison to the competition.

Cheapest Insurance Rates for Your Focus

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USAA may offer some of the best car insurance rates in South Dakota at around $650 a year. Auto-Owners, State Farm, Farmers Mutual of Nebraska, and Unitrin also qualify as some of the lowest-priced South Dakota car insurance companies.

In the above example, if you currently have coverage with Unitrin and switched to Auto-Owners, you could see a yearly price reduction of about $146. Drivers with Western National may save as much as $149 a year, and Allied policyholders might lower prices by $212 a year.

Bear in mind that those rates are averages for all ages of drivers and types of vehicles and do not factor in a specific rating modification for a Ford Focus. So the insurer that can offer you the best price may not even be shown in the list of companies above. That points out the importance of why you need to quote rates from many companies using your own driver information and specific vehicle type.

The diagram below highlights how deductible choice can increase or decrease insurance rates when researching cheap insurance for a Ford Focus. The costs are based on a single male driver, full physical damage coverage, and no discounts are taken into consideration.

The chart above illustrates that a 50-year-old driver could lower their car insurance rates by $320 a year by switching from a $100 deductible up to a $500 deductible, or save $478 by switching to a $1,000 deductible. Even younger drivers, like the 20-year-old category, could reduce their rates $1,070 annually just by choosing higher deductibles.

When insureds make the decision to increase the deductibles on their policy, it will be important to have additional funds squirreled away to be able to pay the extra out-of-pocket expense that is associated with using high deductibles.

Which auto insurance company is best?

When comparing auto insurance, the companies that insure more vehicles than anyone else are Allstate, Geico, Progressive, and State Farm. When combined, they have over 48% of the entire U.S. car insurance market. All offer liability and physical damage insurance, but each one has unique options and discounts that drivers can select from. The table below points out ratings for price and service, as well as some optional coverages shoppers can expect to find with each one.

How to find the cheapest insurance for a Ford Focus

The list below shows many money-saving suggestions that can help South Dakota drivers locate more affordable coverage.

• Do not get traffic citations
• Drivers with good credit often pay less
• Try to pay small claims out-of-pocket
• Avoid having at-fault accidents
• Safer vehicles cost less to insure
• Ensure you have the best deal by shopping around regularly

The last idea is certainly crucial, as was stressed in the article above. Car insurance rates in South Dakota can be modified anytime, so don’t be afraid to change insurance companies if a more affordable rate is found.

Many consumers stick with the same company and that’s fine, but we do not recommend it if that stubbornness costs you money that could be going to better use. Now is a great time to compare rates to find cheaper insurance for a Ford Focus.