Best Cheap Insurance Quotes for a Ford Focus in Illinois

Your odds of finding affordable car insurance for a Ford Focus in Illinois is dependent upon lots of different rating factors like your date of birth, where you live, and if you have any chargeable driving offenses. Drivers on average pay around $710 per year to insure a Ford Focus, but that amount is an estimation calculated based on a 30-year-old married male driver who requires comprehensive and collision coverage and $500 policy deductibles.

There is a good chance you aren’t exactly 30 years old or even a male, single instead of married, or maybe you just want liability only. Having what appears to be a very minor change in rating criteria or coverage limits can produce large changes in the policy rate.

Auto insurance is unique to every driver, so the most reliable way to find cheap car insurance rates for your Ford is to get into the habit of comparing rates once a year. In less than five minutes you can get rates from the best auto insurance companies that insure vehicles in Illinois.

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The specific model of Focus will likely have an effect on price, so the price you pay to insure a Focus S 4-Dr Sedan will be $114 cheaper than the insurance cost for the higher-priced Focus SES 2-Dr Coupe trim level, as demonstrated by the prices below.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Illinois minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Information does not factor in specific location information which can increase or decrease auto insurance rates significantly.

Trying to buy cheap insurance is not the easiest thing to accomplish, and deciding which companies have the cheapest car insurance rates for a Ford Focus involves additional perseverance. Each insurer has their own process for determining rates in each state, so first let’s look at the rankings for the car insurance companies with the overall best prices in Illinois.

It’s important to understand that Illinois car insurance rates are impacted by many factors that may substantially change the price of coverage. Simply having a birthday, increasing deductibles, or having an at-fault accident may prompt premium changes that can cause some rates to be cheaper than competitors.

Cheapest Insurance Rates for Your Focus

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The Hartford has some of the most affordable car insurance rates in Illinois at around $753 annually. Rockford Mutual, Titan, Erie, and Cincinnati Insurance also are some of the cheaper Illinois car insurance companies.

As shown above, if you have coverage with Rockford Mutual and switched to The Hartford, you may see a yearly price reduction of upwards of $60. Drivers with Titan could save as much as $99 a year, and Erie insureds might reduce prices by as much as $152 a year.

To find the best cheap insurance for a Ford Focus in Illinois for your vehicle, click here to get a free quote or quote rates from the companies below.

Understand that those premium estimates are averages for all drivers and vehicles in Illinois and do not factor in a specific rating modification for a Ford Focus. So the company that fits your situation best may not even be included in the list above. That emphasizes why you need to compare rates from multiple companies using your own specific driver and vehicle information.

Impact of careless driving on car insurance rates

The obvious way to earn the best cheap insurance for a Ford Focus in Illinois is to be a cautious driver and avoid accidents and traffic violations. The illustration below illustrates how speeding tickets and at-fault collisions can raise premium costs for different age groups. The premiums assume a married female driver, comp and collision included, $100 deductibles, and no discounts are factored in.

The chart shows that the average cost of car insurance in Illinois per year with no accidents or violations is $1,343. Factor in one speeding ticket and the average cost swells to $1,561, an increase of $219 each year. Then include one accident along with the one speeding ticket and the 12-month cost of car insurance for a Ford Focus increases to an average of $2,190. That’s an increase of $847, or $71 per month, just for not being attentive to the road!

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Illinois car insurance rates are determined by lots of factors that will increase or decrease the policy premium. Improving your credit rating, having a teen driver, or getting a ticket for running a stop sign may cause policy rate changes that can cause some rates to be cheaper than before.

Not only that, but car insurance companies modify pricing as often as every three months in order to remain profitable. Higher than normal claims can cause more expensive premiums, while better underwriting may produce more affordable Focus insurance rates.

The bar chart below demonstrates which company has the cheapest car insurance in Illinois for a 45-year-old male driver with a good driving record, no prior claims, and a decent credit rating. If we estimate rates based on his current rating profile, The Hartford offers the best car insurance rates in Illinois at $769 each year. This is $580 less than the average price paid by Illinois drivers of $1,349. Rockford Mutual, Erie, Titan, and Cincinnati Insurance are also on the list of the top five cheapest Illinois auto insurance companies.

Now let’s give the driver in the first chart an accident surcharge, bad credit, and a speeding citation. Because each company has a proprietary formula for determing rates in each state, analyzing rate quotes may now show a different set of cheap Illinois auto insurance companies as shown below.

Travelers now has the best auto insurance rate in Illinois with USAA, SECURA, State Farm, and Auto-Owners also being competitive. This illustrates why it is critical to compare rates to find the cheapest car insurance quotes for a Ford Focus. Auto insurance prices are made up of many factors and can increase or decrease at any time, so the most economical company three years ago may now be wasting a lot of money.

How to find budget-friendly auto insurance for a Ford Focus

The list below shows a few thrifty suggestions that can help Illinois drivers get low-cost auto insurance.

• Violations like speeding or DUI increase rates
• Maintain a safe distance and avoid accidents
• Higher comprehensive and collision coverage deductibles will save money
• Earn a discount by not filing claims
• Save money by only buying liability coverage for older vehicles
• Keep rates low by comparing prices once a year

The last idea is highly important, as we pointed out in the prior article. Car insurance rates can change considerably in a year, so don’t be hesitant to buy a different policy if you find a cheaper price. Many drivers tend to have loyalty to a certain company, but it’s not a good idea if that loyalty results in overpaying a wad of cash every year. Spend a few minutes and compare rates and find cheaper car insurance for a Ford Focus.