A study showed that about 70% of customers have bought auto insurance from the same company for well over three years, and just short of a majority have never even compared rates from other companies. The average driver in the U.S. can save hundreds of dollars each year by just comparing quotes, but they underestimate how much money they would save if they switched.
The preferred way to find affordable Ford Focus insurance is to start comparing rates regularly from different companies in Bakersfield.
- First, try to understand car insurance and the things you can control to prevent high rates. Many things that result in higher prices like traffic violations and an imperfect credit history can be improved by making minor changes to your lifestyle.
- Second, request price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give prices from a single company like Progressive or Allstate, while independent agencies can provide rate quotes for a wide range of companies.
- Third, compare the new quotes to your existing rates to see if a cheaper price is available. If you find a lower rate quote and switch companies, make sure there is no lapse between the expiration of your current policy and the new one.
- Fourth, tell your current company to cancel your current policy and submit a completed policy application and payment to the new company. As soon as you have the new policy, place your new proof of insurance certificate along with the vehicle’s registration papers.
One tip to remember is to make sure you enter similar limits and deductibles on each price quote and and to analyze as many companies as possible. Doing this guarantees the most accurate price comparison and a good representation of prices.
Cheap Ford insurance price quotes in Bakersfield
The companies in the list below are ready to provide price comparisons in California. If more than one company is shown, it’s highly recommended you visit two to three different companies in order to find the most affordable rates.
Ford Focus insurance statistics and information
The rate information shown next covers estimates of prices for Ford Focus models. Learning more about how premiums are formulated can help drivers make informed decisions when shopping around for a new policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Focus S 4-Dr Sedan | $142 | $300 | $416 | $24 | $124 | $1,006 | $84 |
| Focus SE 4-Dr Sedan | $142 | $300 | $416 | $24 | $124 | $1,006 | $84 |
| Focus SEL 4-Dr Sedan | $142 | $354 | $416 | $24 | $124 | $1,060 | $88 |
| Focus SES 4-Dr Sedan | $142 | $354 | $416 | $24 | $124 | $1,060 | $88 |
| Focus SE 2-Dr Coupe | $162 | $354 | $470 | $28 | $140 | $1,154 | $96 |
| Focus SES 2-Dr Coupe | $162 | $354 | $470 | $28 | $140 | $1,154 | $96 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Information does not factor in specific location information which can affect premium rates considerably.
Raise deductibles and save
One frequently asked question is how high should the physical damage coverage deductibles be. The following tables highlight how much more you’ll pay of buying low and high comp and collision deductibles. The first rate table uses a $100 physical damage deductible and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Focus S 4-Dr Sedan | $332 | $686 | $442 | $26 | $132 | $1,643 | $137 |
| Focus SE 4-Dr Sedan | $332 | $686 | $442 | $26 | $132 | $1,643 | $137 |
| Focus SEL 4-Dr Sedan | $332 | $810 | $442 | $26 | $132 | $1,767 | $147 |
| Focus SES 4-Dr Sedan | $332 | $810 | $442 | $26 | $132 | $1,767 | $147 |
| Focus SE 2-Dr Coupe | $380 | $810 | $500 | $30 | $150 | $1,895 | $158 |
| Focus SES 2-Dr Coupe | $380 | $810 | $500 | $30 | $150 | $1,895 | $158 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Focus S 4-Dr Sedan | $184 | $362 | $442 | $26 | $132 | $1,146 | $96 |
| Focus SE 4-Dr Sedan | $184 | $362 | $442 | $26 | $132 | $1,146 | $96 |
| Focus SEL 4-Dr Sedan | $184 | $426 | $442 | $26 | $132 | $1,210 | $101 |
| Focus SES 4-Dr Sedan | $184 | $426 | $442 | $26 | $132 | $1,210 | $101 |
| Focus SE 2-Dr Coupe | $210 | $426 | $500 | $30 | $150 | $1,316 | $110 |
| Focus SES 2-Dr Coupe | $210 | $426 | $500 | $30 | $150 | $1,316 | $110 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Information does not factor in zip code location which can increase or decrease price quotes greatly.
Based on these figures, using a $100 deductible costs an average of $45 more each month or $540 for a full year than quoting the higher $1,000 deductible. Because you would be required to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have at least 20 months between claims, you would probably come out ahead if you elect the higher deductible.
How to determine if raising deductibles makes sense
| Average monthly premium for $100 deductibles: | $147 |
| Average monthly premium for $1,000 deductibles (subtract): | – $102 |
| Monthly savings from raising deductible: | $45 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $45 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 20 months |
The illustration below demonstrates how choosing different deductibles and can raise or lower Ford Focus insurance rates for each different age group. The rate quotes are based on a married male driver, full coverage, and no discounts are applied to the premium.
Full coverage or liability only
The illustration below illustrates the difference between Ford Focus insurance premiums with full physical damage coverage and with liability coverage only. The premiums assume no claims, a clean driving record, $100 deductibles, marital status is single, and no discounts are applied.
Should you be buying full coverage?
There is no specific rule for phasing out physical damage coverage, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is more than 10% of the settlement you would receive from your company, then you may want to consider only buying liability coverage.
For example, let’s say your Ford Focus claim settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $5,000 after you pay the deductible. If you are currently paying more than $500 annually for physical damage coverage, then it could be time to drop full coverage.
There are a few cases where buying only liability insurance is not recommended. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage to protect the lienholder’s interest in the vehicle. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should maintain full coverage.
Take these eight policy discounts and save on Ford Focus insurance in Bakersfield
Insurance can cost an arm and a leg, but you may qualify for discounts that could drop your premiums quite a bit. Some of these discounts will be visible when you quote, but a few must be asked for before being credited.
- Discounts for New Vehicles – Putting insurance coverage on a new Focus is cheaper compared to insuring an older model.
- Onboard Data Collection – People who choose to allow their auto insurance company to look at driving manner by using a small device installed in their vehicle like Drivewise from Allstate or In-Drive from State Farm might see lower rates if they exhibit good driving behavior.
- Accident Forgiveness Coverage – This isn’t a discount exactly, but companies like Allstate, Progressive, and GEICO permit an accident before hitting you with a surcharge with the catch being you have to be claim-free for a set time period.
- Online Discount – A handful of larger companies will provide an incentive for buying your policy over the internet.
- Memberships – Belonging to a professional or civic organization can get you a small discount on auto insurance.
- Student in College – Kids living away from Bakersfield attending college and do not have a car may qualify for this discount.
- Military Rewards – Being deployed in the military could be rewarded with lower prices.
- Drivers Education – Have your child take driver’s ed class in school.
One thing to note about discounts is that many deductions do not apply to the entire cost. Most only apply to the price of certain insurance coverages like collision or personal injury protection. If you do the math and it seems like having all the discounts means you get insurance for free, auto insurance companies aren’t that generous. Any qualifying discounts will cut the amount you pay for coverage.
The chart below shows the comparison of Ford Focus annual premium costs with and without policy discounts. The prices are based on a female driver, no driving violations, no at-fault accidents, California state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, multi-car, marriage, homeowner, and multi-policy discounts applied.
A list of companies and some of their more popular discounts can be found below.
- GEICO has savings for air bags, military active duty, emergency military deployment, federal employee, and membership and employees.
- Travelers discounts include new car, multi-car, payment discounts, hybrid/electric vehicle, IntelliDrive, good student, and driver training.
- Nationwide may offer discounts for good student, anti-theft, defensive driving, accident-free, family plan, and business or organization.
- Farmers Insurance offers premium reductions for youthful driver, teen driver, switch companies, pay in full, and alternative fuel.
- Esurance may have discounts that include multi-policy, good driver, anti-theft, claim free, defensive driver, homeowner, and emergency road assistance.
- State Farm includes discounts for Drive Safe & Save, defensive driving training, multiple policy, accident-free, student away at school, good driver, and good student.
- Progressive policyholders can earn discounts including online signing, multi-vehicle, continuous coverage, good student, homeowner, online quote discount, and multi-policy.
- Mercury Insurance offers discounts for good driver, low natural disaster claims, multi-car, type of vehicle, age of vehicle, accident-free, and professional/association.
Before purchasing a policy, check with every company how many discounts you can get. Some discounts listed above may not be available everywhere. To see a list of insurers who offer auto insurance discounts in California, click here.
Compare rate quotes but buy from a local Bakersfield insurance agency
Some people still prefer to get advice from a local agent and that is not a bad decision Professional agents are trained risk managers and give you someone to call. One of the best bonuses of getting online price quotes is that drivers can save money and get the lowest rates and also buy local. And providing support for local agencies is especially important in Bakersfield.
To make it easy to find an agent, after completing this simple form, your insurance coverage information is emailed to participating agents in Bakersfield who will give you bids to get your business. There is no need to even leave your home since price quotes are sent directly to your email. If you wish to compare prices from a particular provider, you can always jump over to their website and give them your coverage information.
If you need to find a local insurance agency, it can be helpful to understand the different types of agencies from which to choose. Insurance agencies are either exclusive or independent (non-exclusive). Either one can handle insurance, but it’s important to know the difference in the companies they write for since it can affect your selection of an agent.
Independent Insurance Agencies or Brokers
Independent insurance agents are appointed with more than one company so they can insure your vehicles with many different companies and get the cheapest rates. If you want to switch companies, they simply move the coverage in-house and you don’t have to do anything. When shopping rates, you will definitely want to contact at least one independent agent to maximize your price options. Most can insure with companies that do not advertise much which may provide better rates.
Shown below are independent insurance agents in Bakersfield who may provide pricing information.
- Lorena Magana Insurance Agency, Inc.
4141 Ming Ave – Bakersfield, CA 93309 – (559) 783-9550 – View Map - California Canyon Insurance Agency
B, 4900 California Ave #210 – Bakersfield, CA 93309 – (661) 377-2978 – View Map - William K Lyons Agency Inc
2100 F St # 200 – Bakersfield, CA 93301 – (661) 327-9731 – View Map
Exclusive Agencies
These agents can only quote rates from one company like Farmers Insurance, Allstate, or State Farm. Exclusive agents cannot give you multiple price quotes so always compare other rates. Exclusive agents are trained well on what they offer which helps them sell insurance even at higher premiums. Consumers often buy insurance from these agents partially due to loyalty to the company and the convenience of having a single billing for all their coverages.
Shown below is a short list of exclusive agents in Bakersfield that can give you rate quotes.
- Rosie Schweer – State Farm Insurance Agent
4200 Gosford Rd #103 – Bakersfield, CA 93313 – (661) 396-7961 – View Map - Adam Hopkins – State Farm Insurance Agent
5500 Ming Ave #180 – Bakersfield, CA 93309 – (661) 396-7947 – View Map - Farmers Insurance – E Bob White
3811 Auburn St – Bakersfield, CA 93306 – (661) 871-3000 – View Map
Picking the best car insurance agent requires you to look at more than just a low price. Any good agent in Bakersfield should know the answers to these questions.
- Do they feel the quoted coverages are adequate?
- What will you get paid if your car is a total loss? How is that amount determined?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Do they specialize in personal lines auto insurance in Bakersfield?
- Do they receive special compensation for putting your coverage with one company over another?
- Does their agency support local causes in Bakersfield?
- How many years have they been established?
- What company do they have the most business with?
If you feel you receive satisfactory answers to any questions you have and low cost Ford Focus insurance quotes, you have narrowed it down to a car insurance agent that will properly service your insurance policy. It’s important to know that it’s your coverage and you can cancel your coverage whenever you choose to so don’t think that you are obligated to your new company for the full term.
What insurance coverages do you need?
Knowing the specifics of insurance helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy.
Uninsured Motorist or Underinsured Motorist insurance
This coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Ford Focus.
Due to the fact that many California drivers only purchase the least amount of liability that is required (which is 15/30/5), their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally these limits are set the same as your liability limits.
Auto collision coverage
This will pay to fix damage to your Focus resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.
Collision coverage pays for things such as sideswiping another vehicle, colliding with another moving vehicle and hitting a mailbox. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible on your Focus to get cheaper collision coverage.
Insurance for medical payments
Medical payments and Personal Injury Protection insurance pay for expenses for things like prosthetic devices, surgery and hospital visits. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage
Comprehensive coverage (or Other than Collision)
This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers claims such as hail damage, a broken windshield, a tree branch falling on your vehicle, damage from a tornado or hurricane and fire damage. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.
Liability car insurance
Liability coverage protects you from damage or injury you incur to people or other property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 15/30/5 which stand for a limit of $15,000 per injured person, a total of $30,000 of bodily injury coverage per accident, and $5,000 of coverage for damaged property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.
Liability coverage pays for things such as bail bonds, loss of income, repair costs for stationary objects, attorney fees and medical services. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford. California requires drivers to carry at least 15/30/5 but you should consider buying more coverage.
The next chart demonstrates why buying low liability limits may not be adequate.
Be persistent to save money
Insureds switch companies for many reasons like policy cancellation, poor customer service, being labeled a high risk driver and even high rates after DUI convictions. Regardless of your reason, finding the right car insurance provider is actually quite simple.
You just learned a lot of tips how to reduce Ford Focus insurance premium rates online in Bakersfield. The most important thing to understand is the more providers you compare, the better chance you’ll have of finding low cost Bakersfield auto insurance quotes. You may even be surprised to find that the lowest premium rates come from some of the smallest insurance companies.
Discount Ford Focus insurance in Bakersfield is available both online as well as from independent agents in Bakersfield, and you need to price shop both to get a complete price analysis. Some insurance companies may not provide price quotes online and many times these smaller companies work with independent agents.
For more information, link through to the resources below:
- Auto Insurance 101 (About.com)
- How Much is Auto Insurance for Hybrid Vehicles in Bakersfield? (FAQ)
- How Much is Car Insurance for 16 Year Olds in Bakersfield? (FAQ)
- How to Avoid Staged Accidents (State Farm)
- Information for Teen Drivers (GEICO)