If your goal is the lowest price, then the best way to get affordable Ford Focus insurance is to compare prices once a year from companies in Albuquerque.
- Try to learn about how insurance companies determine prices and the things you can control to prevent rate increases. Many factors that cause high rates such as accidents, careless driving, and a not-so-good credit history can be amended by making minor changes to your lifestyle. Later in this article we will cover more information to prevent rate hikes and get additional discounts that may have been overlooked.
- Request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only provide price estimates from one company like Progressive and State Farm, while agents who are independent can provide price quotes from multiple insurance companies.
- Compare the new quotes to the premium of your current policy and determine if cheaper Focus coverage is available. If you find a lower rate quote, make sure coverage is continuous and does not lapse.
- Give notification to your agent or company of your intention to cancel your current coverage. Submit the signed application along with the required initial payment to the new company. As soon as you receive it, place the new certificate verifying proof of insurance with your vehicle’s registration.
The most important part of this process is to make sure you’re comparing identical limits and deductibles on every price quote and and to get prices from every company you can. This ensures the most accurate price comparison and a good representation of prices.
It’s safe to assume that car insurance companies want to keep you from comparing prices. Insureds who get comparison quotes at least once a year will, in all likelihood, move their business because they have a good chance of finding a more affordable policy. A recent auto insurance study revealed that consumers who regularly compared price quotes saved about $865 annually compared to other drivers who never compared rates.
If finding discount rates on car insurance is the reason you’re here, then learning about how to get price quotes and compare insurance can help you succeed in finding affordable rates.
The fastest way that we advise to compare rate quotes for Ford Focus insurance in Albuquerque is to know the fact car insurance companies have advanced systems to give rate comparisons. All you need to do is provide the companies a bit of rating information like how much you drive, coverage limits, if you have a valid license, and if a SR-22 is required. Your information gets sent immediately to many different companies and you receive quotes within a short period of time.
To get price quotes for your Ford Focus now, click here and complete the quick form.
The following companies are ready to provide price quotes in Albuquerque, NM. If multiple companies are listed, it’s highly recommended you click on several of them to get a more complete price comparison.
Insurance coverage details
The data table shown below covers a range of rate quotes for Ford Focus models. Having a good understanding how car insurance premiums are established is important for you to make informed decisions when comparing rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Focus S 4-Dr Sedan | $234 | $490 | $328 | $20 | $98 | $1,170 | $98 |
| Focus SE 4-Dr Sedan | $234 | $490 | $328 | $20 | $98 | $1,170 | $98 |
| Focus SEL 4-Dr Sedan | $234 | $578 | $328 | $20 | $98 | $1,258 | $105 |
| Focus SES 4-Dr Sedan | $234 | $578 | $328 | $20 | $98 | $1,258 | $105 |
| Focus SE 2-Dr Coupe | $268 | $578 | $372 | $22 | $112 | $1,352 | $113 |
| Focus SES 2-Dr Coupe | $268 | $578 | $372 | $22 | $112 | $1,352 | $113 |
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Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and New Mexico minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Table data does not factor in garaging location in Albuquerque which can impact rates substantially.
Higher deductibles save money
One frequently asked question is the level to set your comp and collision deductibles. The comparisons below may help to illustrate the cost difference of buying low and high insurance deductibles. The first table uses a $100 physical damage coverage deductible and the second rate table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Focus S 4-Dr Sedan | $242 | $500 | $322 | $20 | $96 | $1,205 | $100 |
| Focus SE 4-Dr Sedan | $242 | $500 | $322 | $20 | $96 | $1,205 | $100 |
| Focus SEL 4-Dr Sedan | $242 | $590 | $322 | $20 | $96 | $1,295 | $108 |
| Focus SES 4-Dr Sedan | $242 | $590 | $322 | $20 | $96 | $1,295 | $108 |
| Focus SE 2-Dr Coupe | $278 | $590 | $364 | $22 | $108 | $1,387 | $116 |
| Focus SES 2-Dr Coupe | $278 | $590 | $364 | $22 | $108 | $1,387 | $116 |
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| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Focus S 4-Dr Sedan | $176 | $338 | $322 | $20 | $96 | $952 | $79 |
| Focus SE 4-Dr Sedan | $176 | $338 | $322 | $20 | $96 | $952 | $79 |
| Focus SEL 4-Dr Sedan | $176 | $398 | $322 | $20 | $96 | $1,012 | $84 |
| Focus SES 4-Dr Sedan | $176 | $398 | $322 | $20 | $96 | $1,012 | $84 |
| Focus SE 2-Dr Coupe | $202 | $398 | $364 | $22 | $108 | $1,094 | $91 |
| Focus SES 2-Dr Coupe | $202 | $398 | $364 | $22 | $108 | $1,094 | $91 |
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and New Mexico minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Rates do not factor in Albuquerque location which can decrease or increase prices noticeably.
Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you roughly $23 more each month or $276 annually averaged for all Focus models than quoting the higher $500 deductible. Since you would pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you tend to average at a minimum 17 months between claims, you would save money if you choose the higher deductible. The table below shows the way you can make this decision for your own policy.
| Average monthly premium for $100 deductibles: | $108 |
| Average monthly premium for $500 deductibles (subtract): | – $85 |
| Monthly savings from raising deductible: | $23 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $23 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 17 months |
One big caveat is that a higher deductible means you will have to pay more when you have a physical damage claim. You will want to have enough money in the bank in the event you need to pay more for the deductible.
The illustration below shows how choosing a deductible and can raise or lower Ford Focus annual premium costs for each different age group. The costs are based on a single male driver, full physical damage coverage, and no discounts are applied to the premium.
Age-based auto insurance rates by gender
The chart below visualizes the comparison of Ford Focus auto insurance costs for male and female drivers. The rates are based on no claims, a clean driving record, comprehensive and collision coverage, $250 deductibles, single marital status, and no discounts are applied.
Which policy gives me the best coverage?
Keep in mind that when it comes to choosing coverage online or from an agent, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs.
For example, these questions can help discover if your insurance needs would benefit from an agent’s advice.
- What is an adequate liability insurance limit?
- Is there coverage for injuries to my pets?
- Is my nanny covered when transporting my kids?
- Can I get a multi-policy discount?
- Why are teen drivers so expensive to add on to my policy?
- Is a fancy paint job covered?
- Do I have coverage if I rent a car in Mexico?
If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and can provide invaluable advice.
Insurance agents can help
A small number of people just want to visit with an insurance agent and there is nothing wrong with that. Experienced insurance agents are trained risk managers and help submit paperwork. A nice benefit of comparing car insurance online is the fact that you can find cheap car insurance rates but still work with a licensed agent. And buying from local insurance agencies is definitely important in Albuquerque.
After filling out this simple form, your insurance data is submitted to local insurance agents in Albuquerque who will give you bids for your business. There is no reason to even leave your home because prices are sent straight to your inbox. If you have a need to quote rates from a particular provider, feel free to find their quoting web page and give them your coverage information.
Selecting an provider requires you to look at more than just a cheap price. Ask your prospective agent these questions:
- Has the agent ever had any license suspensions?
- What is their Better Business Bureau rating?
- Do you work with a CSR or direct with the agent?
- Are aftermarket or OEM parts used to repair vehicles?
- Did they already check your driving record and credit reports?
- How many years of experience in personal auto insurance do they have?
- Are all drivers listed on the coverage quote?
- What company holds the largest book of business for them?
If you feel you receive answers to your satisfaction and locked in a price quote, chances are good that you have found an provider that will properly insure your vehicles.
New Mexico car insurance companies ranked
Picking the highest-rated car insurance provider is difficult considering how many companies sell coverage in New Mexico. The ranking information in the lists below may help you pick which coverage providers to look at comparing prices from.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
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Data Source: Insure.com Best Car Insurance Companies