Best Ways to Save on Corpus Christi Ford Focus Insurance

Insurance for Ford FocusWant to save money and find low-cost Ford Focus insurance in Corpus Christi? Comparison shopping for cheap Ford Focus insurance in Corpus Christi might be quite difficult for beginners to shopping for insurance online. You have so many choices that it can easily turn into a ton of work to find the lowest price on Ford Focus insurance.

Steps to finding cheaper quotes for Ford Focus insurance in Corpus Christi

Truthfully, the best way to get affordable Ford Focus insurance in Corpus Christi is to compare prices regularly from providers in Texas. Drivers can shop around by following these steps.

An important bit of advice to remember is that you’ll want to compare identical coverage information on every quote and and to compare as many different insurance providers as possible. Doing this guarantees a fair rate comparison and a complete rate analysis.

It’s shocking but most consumers kept their policy with the same company for at least the last four years, and nearly 40% of drivers have never even shopped around for cheaper coverage. Corpus Christi drivers could cut their rates by about 70% a year, but they think it’s difficult to go online and compare rates.

It’s a good habit to do price comparisons once or twice a year because prices are adjusted regularly by insurance companies. Despite the fact that you may have had the lowest price on Ford Focus insurance in Corpus Christi a couple years back a different company probably has better rates today. You can find a lot of wrong information about Focus insurance on the internet, but in just a couple of minutes you can learn the best ways to quit paying high auto insurance rates in Corpus Christi.

There are several ways of comparing price quotes from many different Texas insurance companies. By far the easiest way to compare rates is to jump online and get quotes.

When comparison shopping, comparing more prices helps locate more affordable rates.

The companies shown below can provide free quotes in Texas. If you want the best car insurance in Corpus Christi, we recommend you visit two to three different companies to get the best price comparison.

Statistics and details

The coverage information displayed below highlights detailed analysis of insurance rates for Ford Focus models. Learning how car insurance prices are formulated can help drivers make informed decisions when comparing rates.

Ford Focus Insurance Rates in Corpus Christi, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $280 $682 $462 $28 $138 $1,590 $133
Focus SE 4-Dr Sedan $280 $682 $462 $28 $138 $1,590 $133
Focus SEL 4-Dr Sedan $280 $802 $462 $28 $138 $1,710 $143
Focus SES 4-Dr Sedan $280 $802 $462 $28 $138 $1,710 $143
Focus SE 2-Dr Coupe $322 $802 $520 $30 $156 $1,830 $153
Focus SES 2-Dr Coupe $322 $802 $520 $30 $156 $1,830 $153
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Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Rate quotes do not factor in vehicle garaging location which can impact auto insurance rates considerably.

Here’s why auto insurance is not optional

Despite the high cost, insurance is most likely required but also gives you several important benefits.

The benefits of buying enough insurance definitely exceed the price paid, specifically if you ever have a liability claim. But the average driver in Texas is wasting up to $855 a year so you should quote your policy with other companies at least once a year to help ensure money is not being wasted.

What auto insurance coverages do you need?

Having a good grasp of a auto insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.


This coverage provides protection from damages or injuries you inflict on people or other property. This insurance protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 30/60/25 that means you have a $30,000 limit per person for injuries, a limit of $60,000 in injury protection per accident, and $25,000 of coverage for damaged property. Some companies may use a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for things such as pain and suffering, bail bonds, attorney fees, legal defense fees and funeral expenses. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible. Texas requires drivers to carry at least 30/60/25 but you should consider buying more coverage.

The chart below demonstrates why buying the state minimum limits may not provide adequate coverage.

Medical expense coverage

Med pay and PIP coverage reimburse you for short-term medical expenses for things like doctor visits, chiropractic care, hospital visits, prosthetic devices and EMT expenses. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Collision insurance

Collision coverage pays for damage to your Focus from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as damaging your car on a curb, driving through your garage door and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible on your Focus to get cheaper collision coverage.

Uninsured or underinsured coverage

This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since many Texas drivers have only the minimum liability required by law (Texas limits are 30/60/25), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Normally these coverages do not exceed the liability coverage limits.

Comprehensive protection

This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like theft, hitting a deer and damage from flooding. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.