Best Ford Focus Insurance in Newark

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Shocking but true, nearly 70% of consumers renewed their policy with the same company for at least four years, and approximately 40% of consumers have never even shopped around for affordable coverage. Most drivers in America could pocket as much as $859 a year by just shopping around, but they just don't want to compare rate quotes online.

Insurance rates Ford Focus in NewarkIf you want to save the most money, the best way to get affordable Ford Focus insurance in Newark is to regularly compare prices from companies who provide auto insurance in New Jersey. You can compare rates by completing these steps.

First, take a little time to learn about auto insurance and the measures you can take to keep rates low. Many factors that result in higher rates like traffic violations and a lousy credit rating can be rectified by improving your driving habits or financial responsibility. Keep reading for more ideas to prevent high rates and get discounts that may be overlooked.

Second, get rate quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give rate quotes from a single company like Progressive and State Farm, while agents who are independent can provide rate quotes for a wide range of insurance providers. Start a quote

Third, compare the new rate quotes to the premium of your current policy to see if you can save by switching companies. If you find a lower rate and buy the policy, make sure the effective date of the new policy is the same as the expiration date of the old one.

Fourth, notify your agent or company of your intent to cancel your current coverage and submit a down payment and signed policy application for the new coverage. As soon as you have the new policy, place the new proof of insurance paperwork in your glove compartment.

The key thing to remember is to make sure you enter the same deductibles and limits on each quote request and and to get rates from as many different insurance providers as possible. This provides an apples-to-apples comparison and a thorough selection of prices.

If you have insurance now or just want cheaper rates, follow these tips to buy cheaper car insurance and possibly find even better coverage. Finding the cheapest car insurance coverage in Newark can really be easy if you know what you're doing. Vehicle owners only need to know how to buy car insurance from many companies at once.

Low Cost companies for Ford Focus insurance in New Jersey

The following companies provide comparison quotes in New Jersey. To find cheap auto insurance in New Jersey, we suggest you get rates from several of them in order to get a fair rate comparison.

Detailed insurance information

The rate information displayed below outlines estimates of insurance coverage prices for Ford Focus models. Learning more about how premiums are established can help customers make decisions on which coverage to buy.

Ford Focus Insurance Rates in Newark, NJ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $226 $494 $504 $30 $152 $1,406 $117
Focus SE 4-Dr Sedan $226 $494 $504 $30 $152 $1,406 $117
Focus SEL 4-Dr Sedan $226 $582 $504 $30 $152 $1,494 $125
Focus SES 4-Dr Sedan $226 $582 $504 $30 $152 $1,494 $125
Focus SE 2-Dr Coupe $260 $582 $570 $34 $170 $1,616 $135
Focus SES 2-Dr Coupe $260 $582 $570 $34 $170 $1,616 $135
Get Your Own Custom Quote Go

Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Estimates do not factor in specific location information which can affect auto insurance rates considerably.

How high should deductibles be?

One of the most common insurance questions is which deductible level should you buy. The following insurance rates outline the differences in price between low and high deductibles. The first data table uses a $100 comprehensive and collision deductible and the second price table uses a $1,000 deductible.

Ford Focus insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $360 $746 $480 $28 $144 $1,783 $149
Focus SE 4-Dr Sedan $360 $746 $480 $28 $144 $1,783 $149
Focus SEL 4-Dr Sedan $360 $880 $480 $28 $144 $1,917 $160
Focus SES 4-Dr Sedan $360 $880 $480 $28 $144 $1,917 $160
Focus SE 2-Dr Coupe $414 $880 $544 $32 $162 $2,057 $171
Focus SES 2-Dr Coupe $414 $880 $544 $32 $162 $2,057 $171
Get Your Own Custom Quote Go
Ford Focus insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $200 $394 $480 $28 $144 $1,246 $104
Focus SE 4-Dr Sedan $200 $394 $480 $28 $144 $1,246 $104
Focus SEL 4-Dr Sedan $200 $464 $480 $28 $144 $1,316 $110
Focus SES 4-Dr Sedan $200 $464 $480 $28 $144 $1,316 $110
Focus SE 2-Dr Coupe $230 $464 $544 $32 $162 $1,432 $119
Focus SES 2-Dr Coupe $230 $464 $544 $32 $162 $1,432 $119
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Estimates do not factor in your specific Newark location which can affect prices greatly.

Based on the data above, we can derive that using a $100 deductible will cost you approximately $49 more each month or $588 a year than opting for the higher $1,000 deductible. Since you would pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to average more than 18 months between claim filings, you would save more money if you choose a higher deductible.

Affordable rates with discounts

Some providers do not list their entire list of discounts very clearly, so we took the time to find both well-publicized and the more hidden credits that you can use to lower your rates.

  • Safe Driver Discount - Insureds who avoid accidents can pay as much as 50% less than drivers with accident claims.
  • Telematics Data - People who choose to allow data collection to monitor their driving habits remotely like Allstate's Drivewise might see lower rates if their driving habits are good.
  • Online Discount - A handful of larger companies give back up to $50 for completing your application on their website.
  • Club Memberships - Participating in specific professional or occupational memberships or organizations is a simple method to lower premiums when getting a Newark car insurance quote.
  • Passive Restraint Discount - Options like air bags or automatic seat belts can get savings of 20 to 30 percent.
  • Good Grades Discount - A discount for being a good student may save as much as 25% on a Newark car insurance quote. You can use this discount normally up until you turn 25.

Don't be surprised that many deductions do not apply to your bottom line cost. Most cut the price of certain insurance coverages like comp or med pay. Despite the fact that it seems like all the discounts add up to a free policy, you aren't that lucky.

The illustration below illustrates the difference between Ford Focus annual premium costs with and without discounts being applied to the rates. The prices are based on a male driver, no accidents or driving violations, New Jersey state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, marriage, homeowner, multi-car, and multi-policy discounts applied.

To see providers who offer free Ford Focus insurance quotes in New Jersey, click here.

Tailor your insurance coverage to you

When choosing coverage online or from an agent for your personal vehicles, there really isn't a "best" method to buy coverage. Your situation is unique so this has to be addressed. Here are some questions about coverages that might help in determining if your insurance needs would benefit from an agent's advice.

  • Do I have coverage if I rent a car in Mexico?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Am I covered if I hit someone who is not insured?
  • Am I covered by my employer's commercial auto policy when driving my personal car for business?
  • What if I owe more than I can insure my car for?
  • Is my Ford Focus covered for flood damage?
  • Are my custom wheels covered?
  • Are my friends covered when driving my Ford Focus?
  • Is my state a no-fault state?

If it's difficult to answer those questions but you think they might apply to your situation then you might want to talk to an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance companies in your area. It's fast, free and you can get the answers you need.

Compare rates but buy from a local Newark insurance agency

Some people still prefer to get professional advice from a licensed agent and often times that is recommended Experienced insurance agents can help determine the best coverages and give you someone to call. The biggest benefit of getting online price quotes is you may find cheap car insurance rates and still have a local agent. Buying from neighborhood insurance agencies is especially important in Newark.

Newark insurance agentsBy using this short form, your coverage information is transmitted to participating agents in Newark that provide free Newark car insurance quotes for your insurance coverage. You don't have to search for any insurance agencies because prices are sent straight to your inbox. If you have a need to get a comparison quote for a specific company, you just need to go to their quote page and complete a quote there.

Two different types of car insurance agents

If you want an insurance agent, you must know there are a couple different agency structures and how they can service your needs differently. Car insurance policy providers are considered either exclusive or independent agents depending on their company appointments. Either type can provide car insurance policies, but it is a good idea to know how they differ because it can factor into your agent selection.

Independent Agents

Independent agencies do not write with just one company so as a result can place your coverage amongst many companies enabling the ability to shop coverage around. If prices rise, your policy is moved internally and you stay with the same agent. When shopping rates, it's a good idea to check rates from several independent insurance agents to ensure the widest selection of prices.

The following is a partial list of independent insurance agencies in Newark that may be able to give rate quotes.

Ed Young Agency
942 S Orange Ave - Newark, NJ 07106 - (973) 375-0003 - View Map

Cheap Car Insurance Quotes Auto Newark NJ
268 W KINNEY ST - Newark, NJ 07103 - (888) 290-0635 - View Map

Monak Insurance
583 Central Ave - Newark, NJ 07107 - (973) 350-7850 - View Map

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Exclusive Agents

Agents of this type can only quote rates from one company and some examples include Farmers Insurance and State Farm. Exclusive agents cannot provide rate quotes from other companies so keep that in mind. These agents are very knowledgeable on their company's products which aids in selling service over price.

The following is a short list of exclusive insurance agencies in Newark willing to provide rate quotes.

360 Chestnut St - Newark, NJ 07105 - (800) 701-5909 - View Map

229 Bloomfield Ave - Newark, NJ 07104 - (973) 482-1975 - View Map

66 Wilson Ave - Newark, NJ 07105 - (973) 690-6400 - View Map

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Picking an insurance agent is decision based upon more than just a cheap quote. You should also get answers to these questions.

  • How much will you save each year by using a higher deductible?
  • Are they able to influence company decisions when a claim is filed?
  • How many companies do they write for?
  • Do they have cheaper tiers of coverage?
  • How experienced are they in personal risk management?
  • Can you contact them at any time?
  • Are they giving you every discount you deserve?

Be persistent and save

When searching for affordable Newark car insurance quotes, you should never buy lower coverage limits just to save a few bucks. There are a lot of situations where someone dropped liability limits or collision coverage and discovered at claim time they didn't have enough coverage. Your focus should be to get the best coverage possible at a price you can afford but still have enough coverage for asset protection.

Cost effective Ford Focus insurance is available online in addition to local insurance agencies, and you should compare rates from both to have the best chance of lowering rates. There are still a few companies who do not provide online rate quotes and many times these regional insurance providers work with independent agents.

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