Car Insurance Rate Quotes for a Ford Focus in Las Vegas

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Insurance for Ford FocusHave you fallen victim to overpriced Ford Focus insurance in Las Vegas? You're preaching to the choir because you're not the only one.

It's an obvious statement that car insurance companies want to keep your business as long as possible. Consumers who compare rates once a year will, in all likelihood, buy a different policy because of the good chance of finding lower rate quotes. A study discovered that people who routinely compared rates saved about $3,450 over four years as compared to drivers who never shopped around for lower prices.

If finding low prices for Ford Focus insurance in Las Vegas is why you're here, then understanding how to choose a company and compare coverages can help you succeed in finding affordable rates. Big companies like Progressive, State Farm and GEICO increase brand awareness with ad campaigns and it is challenging if not impossible to avoid their marketing magic and do the work needed to find the best deal.

The companies shown below can provide free rate quotes in Nevada. To buy cheap auto insurance in Nevada, we suggest you visit several of them to find the lowest auto insurance rates.

Why do I need car insurance?

Despite the potentially high cost of Ford Focus insurance, insuring your vehicle serves an important purpose.

  • Just about all states have mandatory insurance requirements which means you are required to buy a specific level of liability coverage if you want to drive legally. In Nevada these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
  • If you have a loan on your Ford, more than likely the lender will make it mandatory that you have physical damage coverage to guarantee payment of the loan. If coverage lapses or is canceled, the bank may insure your Ford for a much higher rate and force you to pay the higher price.
  • Car insurance protects both your vehicle and your assets. It will also cover medical transport and hospital expenses incurred in an accident. One policy coverage, liability insurance, also pays expenses related to your legal defense if you are sued as the result of your driving. If damage is caused by hail or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage.

The benefits of insuring your Focus more than cancel out the cost, particularly if you ever have a claim. Unknowingly, the average driver is overpaying over $820 a year so it's recommended you shop around each time the policy renews to be sure current rates are still competitive.

Rates and statistics

The table shown below highlights a range of prices for Ford Focus models. Having knowledge of how insurance policy premiums are calculated can help you make informed decisions when comparing rate quotes.

Ford Focus Insurance Rates in Las Vegas, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $162 $342 $296 $18 $88 $906 $76
Focus SE 4-Dr Sedan $162 $342 $296 $18 $88 $906 $76
Focus SEL 4-Dr Sedan $162 $402 $296 $18 $88 $966 $81
Focus SES 4-Dr Sedan $162 $402 $296 $18 $88 $966 $81
Focus SE 2-Dr Coupe $186 $402 $334 $20 $100 $1,042 $87
Focus SES 2-Dr Coupe $186 $402 $334 $20 $100 $1,042 $87
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Table data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Nevada minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Premium costs do not factor in specific zip code location which can revise price quotes significantly.

Policy deductibles

One frequently asked question is which deductible level should you buy. The rates shown below summarize the differences in premium rates between low and high deductibles. The first rate quote example uses a $250 deductible for comp and collision and the second data table uses a $1,000 deductible.

Ford Focus insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $208 $402 $308 $18 $92 $1,053 $88
Focus SE 4-Dr Sedan $208 $402 $308 $18 $92 $1,053 $88
Focus SEL 4-Dr Sedan $208 $472 $308 $18 $92 $1,123 $94
Focus SES 4-Dr Sedan $208 $472 $308 $18 $92 $1,123 $94
Focus SE 2-Dr Coupe $238 $472 $348 $20 $104 $1,207 $101
Focus SES 2-Dr Coupe $238 $472 $348 $20 $104 $1,207 $101
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Ford Focus insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $128 $252 $308 $18 $92 $798 $67
Focus SE 4-Dr Sedan $128 $252 $308 $18 $92 $798 $67
Focus SEL 4-Dr Sedan $128 $298 $308 $18 $92 $844 $70
Focus SES 4-Dr Sedan $128 $298 $308 $18 $92 $844 $70
Focus SE 2-Dr Coupe $148 $298 $348 $20 $104 $918 $77
Focus SES 2-Dr Coupe $148 $298 $348 $20 $104 $918 $77
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Rate quotes do not factor in zip code location which can alter premium rates significantly.

Based on this data, using a $250 deductible costs approximately $23 more each month or $276 every year across all Ford Focus models than opting for the higher $1,000 deductible. Since the policyholder would be required to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to have at least 33 months between claim filings, you would probably be better off by selecting a higher deductible.

The chart below illustrates how your deductible choice and can affect Ford Focus insurance premiums for different age categories. The costs are based on a single male driver, full coverage, and no policy discounts are applied.

Comparison of full coverage and liability-only policies

The information below compares Ford Focus insurance rates with full coverage compared to only the Nevada minimum liability coverage. The premiums are based on a clean driving record, no at-fault accidents, $1,000 deductibles, drivers are not married, and no discounts are factored in.

Are you wasting money on full coverage?

There is no specific rule for dropping physical damage coverage, but there is a broad guideline. If the annual cost of your full coverage insurance is more than about 10% of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.

For example, let's pretend your Ford Focus replacement cost is $4,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $3,000 after the policy deductible has been paid. If you are paying over $300 annually to have full coverage, then you might want to consider buying only liability coverage.

There are some cases where dropping physical damage coverage is not advised. If you still owe money on your vehicle, you have to keep full coverage to protect the lienholder's interest in the vehicle. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should keep full coverage.

Lower-cost Ford Focus insurance in Las Vegas

Auto insurance is not an enjoyable expense, but discounts can save money and there are some available that you may not even be aware of. Certain credits will be shown at quote time, but some need to be manually applied before you will receive the discount.Cheaper auto insurance with discounts

  • Online Discount - A few larger online companies will provide an incentive for buying your policy on your computer.
  • Discount for Multiple Policies - If you can bundle your auto and homeowners insurance and place coverage with the same company they may give you a discount of approximately 10% to 15%.
  • Employee of Federal Government - Being employed by or retired from a federal job may reduce rates when you quote Las Vegas auto insurance with some auto insurance companies.
  • Senior Citizen Discount - Mature drivers may qualify for reduced rates.
  • Theft Deterrent Discount - Vehicles with anti-theft systems prevent vehicle theft and can earn a small discount on your policy.
  • Distant Student Discount - Any of your kids living away from Las Vegas attending college and do not have access to a covered vehicle could qualify for this discount.
  • Student Driver Training - It's a good idea to have your young drivers successfully take a driver's education course as it can save substantially.
  • Good Driver Discounts - Drivers who avoid accidents can get discounts for up to 45% lower rates as compared to drivers with claims.
  • Own a Home - Owning a house in Las Vegas can save a few bucks because of the fact that having a home requires a higher level of personal finance.
  • Safety Restraint Discount - Drivers who require all occupants to use their safety belts can save 10% or more off the PIP or medical payment premium.

Discounts reduce rates, but you should keep in mind that some credits don't apply to all coverage premiums. The majority will only reduce specific coverage prices like collision or personal injury protection. Just because it seems like adding up those discounts means a free policy, you're out of luck. Any amount of discount will bring down your policy premiums.

The example below shows the comparison of Ford Focus insurance costs with and without discounts applied to the policy premium. The data is based on a male driver, no claims or driving violations, Nevada state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, marriage, multi-car, multi-policy, and homeowner discounts applied.

To choose auto insurance companies that have a full spectrum of discounts in Las Vegas, click here.

Insurance agent or online?

A lot of people still prefer to buy from a licensed agent and there is nothing wrong with that. Agents can help you build your policy and help in the event of a claim. An additional benefit of comparing insurance online is that you can obtain cheap rate quotes and also buy local.

Las Vegas insurance agentsOnce you complete this simple form, your coverage information is instantly submitted to local insurance agents in Las Vegas who will return price quotes to get your business. It's much easier because you don't need to find an agent because prices are sent to the email address you provide. If you want to compare prices for a specific company, don't hesitate to go to their quote page and fill out their quote form.

Choosing a insurer shouldn't rely on just a low price. Any agent in Las Vegas should be forthright in answering these questions:

  • If your car is in the repair shop, do you have coverage for a rental car?
  • How much training do they have in personal risk management?
  • Are they properly licensed to sell insurance in Nevada?
  • Do you qualify for any additional discounts?
  • Is every driver in your family covered?
  • Will your rates increase after a single accident?
  • Are there any discounts for paying up front?

If you want to buy insurance from a local Las Vegas insurance agency, it's important to understand the types of agencies to choose from. Insurance agencies in Las Vegas can be described as either exclusive or independent agents depending on their company appointments. Both do a good job, but it's a good idea to understand the subtle differences because it can factor into the type of agent you choose.

Exclusive Insurance Agencies

Exclusive insurance agents can only place business with one company like State Farm or Allstate. Exclusive agents cannot place coverage with different providers so you need to shop around if the rates are high. Exclusive agencies receive extensive training on their products and sales techniques which helps offset the inability to provide other markets.

Listed below is a short list of exclusive agencies in Las Vegas willing to provide price quote information.

1350 E Flamingo Rd #14 - Las Vegas, NV 89119 - (702) 836-0953 - View Map

7455 W Azure Dr Suite 110 - Las Vegas, NV 89130 - (702) 562-7504 - View Map

10198 W Flamingo Rd #130 - Las Vegas, NV 89147 - (702) 363-4500 - View Map

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Independent Insurance Agents

Independent agents can sell policies from many different companies and that is an advantage because they can write policies with lots of companies and get you the best rates possible. If you want to switch companies, your agent can switch companies which is easy for the insured.

When comparing rates, you will want to compare quotes from independent agents for maximum quote selection.

Shown below is a short list of independent agencies in Las Vegas willing to provide price quote information.

9960 W Cheyenne Ave #240 - Las Vegas, NV 89129 - (702) 965-3680 - View Map

4175 S Riley St #200 - Las Vegas, NV 89147 - (702) 597-5998 - View Map

6190 W Charleston Blvd - Las Vegas, NV 89146 - (702) 685-3888 - View Map

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If you feel you receive good feedback to all your questions in addition to an acceptable price estimate, you have narrowed it down to an auto insurance agent that is a good match to service your policy.

Situations that may require an agent's advice

When it comes to coverage online or from an agent for your personal vehicles, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.Drive safe and save

Here are some questions about coverages that might help in determining if your insurance needs would benefit from an agent's advice.

  • How high should my medical payments coverage be?
  • Can I afford to buy a different vehicle if my Ford Focus is totaled?
  • When can my company non-renew my policy?
  • What are the liability requirements in my state?
  • Does low annual mileage earn a discount?
  • Does coverage extend to Mexico or Canada?
  • Are my company tools covered if they get stolen?
  • When should I not file a claim?

If you're not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form. It is quick, free and may give you better protection.

Nevada car insurance companies ranked

Ending up with a high-quality company is hard considering how many different companies insure vehicles in Las Vegas. The ranking data below may help you choose which insurers to look at comparing rate quotes with.

Top 10 Las Vegas Car Insurance Companies Ranked by Claims Service

  1. State Farm
  2. Esurance
  3. AAA Insurance
  4. Progressive
  5. Liberty Mutual
  6. GEICO
  7. Allstate
  8. Titan Insurance
  9. The Hartford
  10. Mercury Insurance

Top 10 Las Vegas Car Insurance Companies Overall

  1. USAA
  2. American Family
  3. State Farm
  4. The Hartford
  5. AAA Insurance
  6. GEICO
  7. The General
  8. Titan Insurance
  9. Progressive
  10. Mercury Insurance

Quote more and you will save more

Insureds who switch companies do it for a number of reasons such as high prices, poor customer service, lack of trust in their agent and even delays in responding to claim requests. Regardless of your reason for switching companies, finding a great new company can be less work than you think.

When shopping online for auto insurance, never skimp on coverage in order to save money. There are many occasions where consumers will sacrifice comprehensive coverage or liability limits only to find out that a couple dollars of savings turned into a financial nightmare. The goal is to get the best coverage possible at the lowest possible cost but still have enough coverage for asset protection.

Some auto insurance companies may not offer price quotes online and most of the time these small insurance companies work with local independent agents. Cheaper Ford Focus insurance in Las Vegas is possible on the web in addition to many Las Vegas insurance agents, and you need to comparison shop both to get a complete price analysis.

How to find the cheapest rates for Ford Focus insurance in Las Vegas

The most effective way to get low-cost auto insurance rates in Las Vegas is to compare prices once a year from companies who sell insurance in Nevada.

  • Step 1: Try to learn about how car insurance works and the measures you can take to prevent high rates. Many rating factors that result in higher prices like traffic citations and a negative credit rating can be eliminated by making minor changes to your lifestyle.
  • Step 2: Request rate estimates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can provide rates from one company like GEICO or Farmers Insurance, while independent agents can quote prices for many different companies. Select a company
  • Step 3: Compare the new quotes to the premium of your current policy and determine if there is any savings. If you find better rates and decide to switch, ensure there is no coverage lapse between policies.
  • Step 4: Provide notification to your current company to cancel your current car insurance policy and submit a down payment and signed policy application to the new company. Immediately keep your new proof of insurance certificate in an easily accessible location.

One bit of advice is to make sure you enter identical coverage information on every quote and and to get price estimates from as many companies as feasibly possible. This ensures a level playing field and a complete selection of prices.

Additional information is available at the links below