Buying the best cheap auto insurance for a Ford Focus in Texas is dependent upon lots of different rating factors such as whether you are single or married, if you have recent claims, and driving violations and tickets. Drivers in Texas pay around $1,361 per year for Focus insurance, but that cost is a valuation based on a 40-year-old single female driver with full coverage and $250 deductibles.
When projecting a rate like this, the problem is that you are not 40 years old and maybe not even female, married instead of single, or maybe you are just looking for cheap liability insurance. Having even a minor difference in rating factors or requested coverage amount could end up in a significant change in the policy rate.
Different coverage needs are the reason why the way we recommend to find the cheapest coverage for your Ford is to compare as many rates as you can. Price quotes are quick and you will receive price comparisons from top-rated companies that insure vehicles in Texas.
Your vehicle’s trim level will have an impact the coverage cost, so the price you will pay to insure a Focus S 4-Dr Sedan will be $224 cheaper than the insurance cost for the higher-end Focus SES 2-Dr Coupe trim level, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Focus S 4-Dr Sedan||$246||$560||$496||$30||$148||$1,480||$123|
|Focus SE 4-Dr Sedan||$246||$560||$496||$30||$148||$1,480||$123|
|Focus SEL 4-Dr Sedan||$246||$660||$496||$30||$148||$1,580||$132|
|Focus SES 4-Dr Sedan||$246||$660||$496||$30||$148||$1,580||$132|
|Focus SE 2-Dr Coupe||$282||$660||$560||$34||$168||$1,704||$142|
|Focus SES 2-Dr Coupe||$282||$660||$560||$34||$168||$1,704||$142|
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Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Rate quotes do not factor in Corpus Christi location which can modify price quotes substantially.
Establishing which companies quote the lowest-priced car insurance rates for a Ford Focus may require more time than just quoting one company’s rates.
Each auto insurer has a proprietary method to establish rates, so we’ll go over the overall cheapest car insurance companies in Corpus Christi. It’s important that you understand Corpus Christi car insurance rates are based on many factors that will increase or decrease the price of coverage. Improving your credit score, having a teen driver, or having an accident can trigger price changes that may make certain companies more affordable than the competition.
Lowest Insurance Price Quotes for Your Focus
|Rank||Company||Cost Per Year|
|3||Texas Farm Bureau||$1,211|
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Travelers has some of the most affordable car insurance rates in Corpus Christi at around $1,010 per year. This is $894 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also some of the most economical Corpus Christi, TX car insurance companies.
In the rate table above, if you have coverage with Texas Farm Bureau and switched to Travelers, you might realize savings of in the neighborhood of $201. Texas drivers with Germania Mutual may save as much as $272 a year, and Esurance insureds might reduce prices by as much as $355 a year.
To get a quick, customized rate comparison, click here to begin a quote or visit any of the low-priced companies below.
It’s important to note that these estimates are averaged across all ages of drivers and types of vehicles and and are not calculated with a specific vehicle garaging location for a Ford Focus. So the auto insurance company that can offer the best rates for your situation may not even be in the top 23 companies shown above. That underscores the importance of why you need to quote rates from as many companies as possible using your own driver and vehicle profiles.
The illustration below shows how choosing a deductible can raise or lower yearly insurance costs when searching for cheap insurance for a Ford Focus. The price estimates are based on a single male driver, comprehensive and collision coverage, and no discounts are applied to the premium.
A 30-year-old driver could cut expenses by $462 a year by changing from a $100 deductible to a $500 deductible, or save $692 by switching to a $1,000 deductible. Even younger insureds, like the Age 20 category, could possibly save up to $1,384 or more by using higher deductibles when buying full coverage. If you do raise deductibles, it is essential to have enough savings to allow you to cover the extra out-of-pocket expense. That is the one drawback of using higher deductibles.
What aren’t you shopping around?
Corpus Christi, TX car insurance rates are calculated based on many things that will increase or decrease the policy price. Simply having a birthday, moving to a different location, or getting a driving violation can trigger price changes resulting in some rates now being cheaper than competitors.
Also, companies change premium rates as needed to ensure their profitability. Higher than normal claims can cause higher rates, while long-term profits may result in more affordable Focus insurance rates.
To help illustrate this point, the bar chart below shows which company has the cheapest car insurance in Corpus Christi, TX for a 35-year-old male driver with no violations or accidents, and a good credit rating. If we estimate prices based on his current risk factors, Travelers might quote the cheapest car insurance rates in Corpus Christi at $1,168 annually. This is $736 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty are the rest of the cheapest Corpus Christi, TX auto insurance companies.
In this example, we will give the driver in the first chart a chargeable accident, a lower credit rating, and a blemish on his driving record. Because each company has their own process for determining prices, comparing rates will most likely result in a significantly different list of the cheapest companies as shown below.
State Farm now has the lowest price in Corpus Christi, TX with Mercury, Safe Auto, USAA, and Nationwide also being competitive. This example proves why it is crucial to compare as many rates as possible to get the best car insurance quotes for a Ford Focus. Insurance rates are calculated by many risk factors and change substantially, so the cheapest company the last time you compared rates may now be one of the more expensive options.
The Corpus Christi auto insurance agencies shown below are willing to aid you in deciding which coverages you need, as many people would rather have some professional guidance when shopping for cheaper insurance for a Focus. It can be difficult to find coverage yourself, and getting advice from a licensed Texas insurance agent can provide comfort knowing your coverage gives you enough protection. To locate a Corpus Christi auto insurance agent using an interactive map, click the link after the list.
- Allstate Insurance: Laura Harris
3837 S Padre Island Dr – Corpus Christi, TX 78415 – (361) 985-2875
- Johnnie Bickham – State Farm Insurance Agent
11014 Leopard St – Corpus Christi, TX 78410 – (361) 241-7621
- Farmers Insurance – Stephanie Waterman
5433 S Staples St, Ste P3 – Corpus Christi, TX 78411 – (361) 906-9400
- Del Mar Insurance
3801 Saratoga Blvd # 105 – Corpus Christi, TX 78415 – (361) 986-0700
How to find the cheapest auto insurance for a Ford Focus
Below you’ll find many money-saving ideas that can help Texas drivers buy lower-cost coverage.
- Frequent claims may make car insurance unaffordable
- Drive safely
- Buying car and homeowners insurance together can save money
- Lower rates by purchasing a safer vehicle
- Save money by insuring older vehicles for liability only
- Remain accident-free and save
- Shop around once a year for cheaper rates
That last piece of advice is especially crucial, as we noted in this piece. Auto insurance prices adjust frequently, so drivers shouldn’t be resistant to buy from a different company if a lower-cost policy is available.
Being loyal to a particular company is commendable, but it isn’t a good idea if your bullheadedness ends up costing you hundreds every year. Take a few minutes and compare rates to find cheaper car insurance for a Ford Focus in Corpus Christi.