Trying to find cheaper Ford Focus insurance in Lubbock? Trying to find better insurance prices for a Ford Focus in Texas can turn out to be a painful process, but you can learn a few tricks to save time.
There are both good and bad ways to shop for auto insurance and you need to know the best way to get price quotes for a new or used Ford and obtain the lowest possible price either online or from Lubbock insurance agents.
It’s a great practice to take a look at other company’s rates before your policy renews since prices go up and down regularly. Despite the fact that you may have had the lowest price on Ford Focus insurance in Lubbock a year ago there is a good chance you can find better rates now. Forget anything you know (or think you know) about auto insurance because you’re about to find out the tricks you need to know to save money, get proper deductibles and limits, all at the lowest rate.
Quoting and comparing the lowest cost protection in Lubbock is simple if you know the tricks. If you are insured now or just want to reduce your rates, you can use this information to get lower rates without reducing coverage. Vehicle owners just have to know how to shop using one simple form.
Getting cheaper auto insurance pricing is an easy way to save money. You just need to spend a few minutes comparing price quotes to find the company with the cheapest Ford Focus rate quotes.
The companies in the list below are our best choices to provide free rate quotes in Lubbock, TX. To get cheap car insurance in Lubbock, TX, we suggest you click on several of them in order to get a fair rate comparison.
Best reasons to buy insurance in Texas
Even though it’s not necessarily cheap to insure a Ford in Lubbock, buying insurance is required in Texas but also provides important benefits.
- Most states have mandatory liability insurance requirements which means state laws require a specific level of liability coverage in order to drive the car. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you bought your vehicle with a loan, it’s guaranteed your bank will make it mandatory that you have physical damage coverage to guarantee loan repayment. If you default on your policy, the bank or lender will purchase a policy for your Ford at an extremely high rate and require you to reimburse them a much higher amount than you were paying before.
- Insurance safeguards not only your vehicle but also your financial assets. It will also pay for medical bills for you, your passengers, and anyone else injured in an accident. One policy coverage, liability insurance, also pays for attorney fees and expenses if you are sued as the result of an accident. If damage is caused by hail or an accident, collision and comprehensive coverages will cover the damage repairs after a deductible is paid.
The benefits of insuring your car are definitely more than the cost, particularly for liability claims. According to a recent study, the average American driver is overpaying over $810 a year so shop around every year to help ensure money is not being wasted.
Ford Focus insurance rate analysis
The coverage information displayed below covers different coverage costs for Ford Focus models. Knowing how insurance policy premiums are determined can help guide drivers when making smart choices when selecting a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Focus S 4-Dr Sedan | $180 | $392 | $430 | $26 | $128 | $1,156 | $96 |
| Focus SE 4-Dr Sedan | $180 | $392 | $430 | $26 | $128 | $1,156 | $96 |
| Focus SEL 4-Dr Sedan | $180 | $462 | $430 | $26 | $128 | $1,226 | $102 |
| Focus SES 4-Dr Sedan | $180 | $462 | $430 | $26 | $128 | $1,226 | $102 |
| Focus SE 2-Dr Coupe | $206 | $462 | $486 | $28 | $146 | $1,328 | $111 |
| Focus SES 2-Dr Coupe | $206 | $462 | $486 | $28 | $146 | $1,328 | $111 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Price estimates do not factor in Lubbock location which can influence premiums greatly.
Where to set your deductibles
When buying car insurance, a common question is where should you set your physical damage deductibles. The following insurance rates help summarize the difference in cost when you select higher and lower insurance deductibles. The first set of prices uses a $100 deductible for comprehensive and collision coverage and the second data table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Focus S 4-Dr Sedan | $286 | $592 | $382 | $22 | $114 | $1,421 | $118 |
| Focus SE 4-Dr Sedan | $286 | $592 | $382 | $22 | $114 | $1,421 | $118 |
| Focus SEL 4-Dr Sedan | $286 | $698 | $382 | $22 | $114 | $1,527 | $127 |
| Focus SES 4-Dr Sedan | $286 | $698 | $382 | $22 | $114 | $1,527 | $127 |
| Focus SE 2-Dr Coupe | $328 | $698 | $430 | $26 | $128 | $1,635 | $136 |
| Focus SES 2-Dr Coupe | $328 | $698 | $430 | $26 | $128 | $1,635 | $136 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Focus S 4-Dr Sedan | $158 | $312 | $382 | $22 | $114 | $988 | $82 |
| Focus SE 4-Dr Sedan | $158 | $312 | $382 | $22 | $114 | $988 | $82 |
| Focus SEL 4-Dr Sedan | $158 | $368 | $382 | $22 | $114 | $1,044 | $87 |
| Focus SES 4-Dr Sedan | $158 | $368 | $382 | $22 | $114 | $1,044 | $87 |
| Focus SE 2-Dr Coupe | $182 | $368 | $430 | $26 | $128 | $1,134 | $95 |
| Focus SES 2-Dr Coupe | $182 | $368 | $430 | $26 | $128 | $1,134 | $95 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Prices do not factor in garaging location in Lubbock which can modify coverage rates considerably.
Based on these figures, using a $100 deductible costs roughly $39 more each month or $468 each year than buying the higher $1,000 deductible. Because you would pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you average at least 23 months between claims, you would save more money if you elect the higher deductible. Here’s how this calculation is made.
| Average monthly premium for $100 deductibles: | $127 |
| Average monthly premium for $1,000 deductibles (subtract): | – $88 |
| Monthly savings from raising deductible: | $39 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $39 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 23 months |
The chart below demonstrates how deductibles and can change Ford Focus premium costs for different age groups. The premium estimates are based on a single male driver, full physical damage coverage, and no additional discounts are factored in.
Check for these discounts on Ford Focus insurance in Lubbock
Some insurance providers don’t always advertise every discount they offer very clearly, so the below list has some of the best known as well as the least known credits that may apply to you.
- New Car Discount – Buying insurance coverage on a new vehicle can get you a discount due to better safety requirements for new model year vehicles.
- Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them successfully take a driver’s education course if it’s offered in school.
- Distant Student Discount – Children who are enrolled in higher education away from home and do not take a car to college can receive lower rates.
- Claim-Free Discount – Drivers with accident-free driving histories get the best insurance rates compared to accident-prone drivers.
- Federal Employees – Simply working for the federal government could cut as much as 10% off depending on your insurance provider.
- Sign Online – Some of the larger companies will give you a small discount simply for signing on the internet.
- Own a Home – Just being a homeowner may earn you a small savings because owning a home is proof of financial responsibility.
- No Charge for an Accident – Not necessarily a discount, but companies like State Farm, Progressive and GEICO will turn a blind eye to one accident before hitting you with a surcharge if you are claim-free prior to the accident.
Remember that most discount credits are not given to the entire policy premium. A few only apply to the cost of specific coverages such as comprehensive or collision. Despite the appearance that all the discounts add up to a free policy, company stockholders wouldn’t be very happy. But all discounts will lower your overall premium however.
The illustration below shows the difference between Ford Focus yearly insurance costs with and without some available policy discounts. The price estimates are based on a female driver, no violations or claims, Texas state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, multi-car, multi-policy, homeowner, and marriage discounts applied.
Some of the insurance companies that may offer policyholders these discounts may include but are not limited to:
Check with every company which discounts can lower your rates. Some of the earlier mentioned discounts may not apply to policies in Lubbock. To locate insurance companies that offer discounts in Lubbock, click this link.
Shop online but buy locally
Certain consumers prefer to buy from a licensed agent and that is just fine! Professional insurance agents can help you build your policy and help file insurance claims. One of the great benefits of comparing rate quotes online is that you can obtain cheaper rates and still choose a local agent. And supporting local agencies is definitely important in Lubbock.
To help locate an agent, after submitting this simple form, your coverage information is immediately sent to local insurance agents who can give free rate quotes for your business. You never need to find an agent on your own as quotes are delivered immediately to your email address. If for some reason you want to quote rates for a specific company, you would need to visit that company’s website and complete a quote there.
If you would like to find an insurance agent, it’s helpful to know the different types of agents from which to choose. Auto insurance agencies can either be exclusive or independent. Both types can do a good job, but it’s important to point out why they differ because it may have an impact on which agent you choose.
Independent Auto Insurance Agents
Agents that choose to be independent are not employed by any specific company so they have the ability to put coverage with multiple insurance companies enabling the ability to shop coverage around. If your agent finds better pricing, your policy is moved internally which makes it simple for you. When searching for an agent, you absolutely need to compare prices from at least one independent agent to ensure the widest selection of prices. Many write coverage with small mutual carriers that may have much lower rates than larger companies.
Listed below is a small list of independent insurance agencies in Lubbock that can possibly get you free price quotes.
- Circle Insurance
6520 University Ave – Lubbock, TX 79412 – (806) 797-4131 – View Map - David Tate Insurance Agency LLP
5233 79th St – Lubbock, TX 79424 – (806) 794-1177 – View Map - Hettler Insurance Agency
4432 S Loop 289 – Lubbock, TX 79414 – (806) 798-7800 – View Map
Exclusive Insurance Agencies
Agents that choose to be exclusive work for only one company such as State Farm, AAA, and Liberty Mutual. They are unable to provide other company’s prices so they have to upsell other benefits. Exclusive agencies are usually well trained on what they offer which helps them sell on service rather than price. Some people will only use the same agent partially due to loyalty to the company instead of buying on price only.
Listed below are exclusive agencies in Lubbock that are able to give price quote information.
- Nelda Jett – State Farm Insurance Agent
3833 50th St #5 – Lubbock, TX 79413 – (806) 793-2857 – View Map - Allstate Insurance Agent: Bill Eggar
10101 Quaker Ave – Lubbock, TX 79424 – (806) 792-5200 – View Map - Tommy Reece – State Farm Insurance Agent
3114 50th St – Lubbock, TX 79413 – (806) 793-0646 – View Map
Picking an insurance agent requires you to look at more than just the bottom line cost. Some important questions to ask are:
- Do they offer rental car reimbursement?
- Do they feel the quoted coverages are adequate?
- Did they already check your driving record and credit reports?
- Is the agency covered by Errors and Omissions coverage?
- Which companies can they place coverage with?
There’s no such thing as the perfect auto insurance policy
Always remember that when buying a policy, there isn’t really a single plan that fits everyone. You are unique.
For instance, these questions may help you determine if you might need an agent’s assistance.
- Can I rent a car in Mexico?
- Am I covered by my spouse’s policy after a separation?
- Is my business laptop covered if it gets stolen from my vehicle?
- Are rock chip repairs covered?
- Why do I have to buy liability insurance?
- Should I have a commercial auto policy?
- Is my nanny covered when driving my vehicle?
- If my pet gets injured in an accident are they covered?
If you’re not sure about those questions then you might want to talk to an agent. To find an agent in your area, complete this form. It’s fast, free and can provide invaluable advice.
Shop around and save
As you prepare to switch companies, don’t be tempted to buy less coverage just to save a little money. There have been many situations where an accident victim reduced physical damage coverage only to regret at claim time that the small savings ended up costing them much more. Your goal should be to purchase plenty of coverage at the best cost, but do not sacrifice coverage to save money.
Discount Ford Focus insurance in Lubbock can be bought online in addition to many Lubbock insurance agents, so you should compare both so you have a total pricing picture. Some companies do not provide online price quotes and most of the time these small, regional companies only sell through independent insurance agents.
Consumers change insurance companies for many reasons like policy cancellation, not issuing a premium refund, questionable increases in premium and high prices. No matter why you want to switch, finding a new car insurance company can be less work than you think.
How to find low-cost rates for Ford Focus insurance in Lubbock
To save the most money, the best way to get discount auto insurance rates in Lubbock is to compare quotes annually from different companies in Texas. Rates can be compared by following these steps.
First, get a basic knowledge of how companies price auto insurance and the steps you can take to prevent high rates. Many risk factors that increase rates like at-fault accidents, careless driving, and a substandard credit history can be eliminated by making minor changes in your lifestyle.
Second, request price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from one company like Progressive or Farmers Insurance, while independent agents can give you price quotes from multiple sources. Select a company
Third, compare the quotes to your existing policy to see if cheaper Focus coverage is available in Lubbock. If you find a better price and make a switch, make sure coverage does not lapse between policies.
Fourth, give proper notification to your current agent or company of your decision to cancel your current coverage and submit payment and a completed application for the new coverage. Once the paperwork is finalized, keep your new proof of insurance paperwork in an easily accessible location.
One bit of advice is to try to compare the same physical damage deductibles and liability limits on every quote and and to analyze as many carriers as you can. Doing this helps ensure an apples-to-apples comparison and the best price selection.
More resources
- Older Driver Statistics (Insurance Information Institute)
- How Much are Car Insurance Rates for a 20 Year Old Female in Lubbock? (FAQ)
- Who Has Cheap Car Insurance Quotes for Safe Drivers in Lubbock? (FAQ)
- Who Has Affordable Car Insurance Quotes for Welfare Recipients in Lubbock? (FAQ)
- Who Has Cheap Car Insurance Rates for Business Use in Lubbock? (FAQ)
- Safety Tips for Teen Drivers (Insurance Information Institute)
- Credit and Insurance Scores (Insurance Information Institute)