Truthfully, the best way to get low-cost Ford Focus insurance is to annually compare prices from providers in New Orleans. Rates can be compared by following these guidelines.
First, read and learn about coverages and the measures you can control to keep rates in check. Many factors that result in higher prices such as at-fault accidents, speeding tickets, and poor credit history can be amended by making minor changes in your lifestyle.
Second, compare rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can give quotes from one company like GEICO or State Farm, while independent agents can quote rates for a wide range of insurance providers.
Third, compare the new quotes to your current policy premium to see if you can save by switching companies. If you can save money, make sure there is no lapse between the expiration of your current policy and the new one.
The critical component of shopping around is to try to use similar deductibles and liability limits on each quote request and and to get rate quotes from as many companies as you can. Doing this helps ensure a fair rate comparison and many rates to choose from.
It’s an obvious conclusion that auto insurance companies want to keep you from comparing prices. People who shop around for a cheaper policy will most likely move their business because there is a good probability of finding a lower-cost company. A study discovered that drivers who shopped around every year saved on average $865 a year compared to people who never compared other company’s rates.
If finding the cheapest price for auto insurance is your goal, then having a grasp of how to get rate quotes and compare insurance can help simplify the task of finding more affordable coverage.
The majority of larger companies provide prices directly from their websites. Getting Ford Focus insurance prices online is very simple as all you need to do is type in your required coverages into the form. Once entered, the company’s rating system automatically retrieves reports for credit and driving violations and provides a quote based on these factors.
Quoting online for Ford Focus insurance in New Orleans makes it easy to compare insurance prices and it’s absolutely necessary to have as many quotes as possible in order to get the cheapest price on auto insurance.
To compare pricing, compare rates from the companies below. If you currently have coverage, we recommend you type in the limits and deductibles identical to your current policy. Doing this assures you will have rate quotes for exact coverage.
The following companies are our best choices to provide quotes in Louisiana. If you want the best auto insurance in New Orleans, we suggest you get rate quotes from several of them to get the cheapest price.
Ford Focus insurance charts and tables
The price information below covers a range of rate quotes for Ford Focus models. Having a better idea how insurance rates are determined can be useful when making smart choices when selecting a coverage provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Focus S 4-Dr Sedan | $232 | $448 | $478 | $28 | $144 | $1,330 | $111 |
| Focus SE 4-Dr Sedan | $232 | $448 | $478 | $28 | $144 | $1,330 | $111 |
| Focus SEL 4-Dr Sedan | $232 | $528 | $478 | $28 | $144 | $1,410 | $118 |
| Focus SES 4-Dr Sedan | $232 | $528 | $478 | $28 | $144 | $1,410 | $118 |
| Focus SE 2-Dr Coupe | $266 | $528 | $540 | $32 | $162 | $1,528 | $127 |
| Focus SES 2-Dr Coupe | $266 | $528 | $540 | $32 | $162 | $1,528 | $127 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Louisiana minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Premium amounts do not factor in the specific area where the vehicle is garaged which can influence insurance rates significantly.
Raise deductibles and save
When buying insurance, a common question is which deductible level should you buy. The comparison tables below may help you to understand the rate differences when you buy lower versus higher deductibles. The first rate estimation uses a $250 deductible for physical damage and the second rate table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Focus S 4-Dr Sedan | $312 | $604 | $464 | $28 | $140 | $1,573 | $131 |
| Focus SE 4-Dr Sedan | $312 | $604 | $464 | $28 | $140 | $1,573 | $131 |
| Focus SEL 4-Dr Sedan | $312 | $712 | $464 | $28 | $140 | $1,681 | $140 |
| Focus SES 4-Dr Sedan | $312 | $712 | $464 | $28 | $140 | $1,681 | $140 |
| Focus SE 2-Dr Coupe | $358 | $712 | $524 | $32 | $158 | $1,809 | $151 |
| Focus SES 2-Dr Coupe | $358 | $712 | $524 | $32 | $158 | $1,809 | $151 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Focus S 4-Dr Sedan | $254 | $488 | $464 | $28 | $140 | $1,374 | $115 |
| Focus SE 4-Dr Sedan | $254 | $488 | $464 | $28 | $140 | $1,374 | $115 |
| Focus SEL 4-Dr Sedan | $254 | $574 | $464 | $28 | $140 | $1,460 | $122 |
| Focus SES 4-Dr Sedan | $254 | $574 | $464 | $28 | $140 | $1,460 | $122 |
| Focus SE 2-Dr Coupe | $292 | $574 | $524 | $32 | $158 | $1,580 | $132 |
| Focus SES 2-Dr Coupe | $292 | $574 | $524 | $32 | $158 | $1,580 | $132 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Louisiana minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Table data does not factor in specific zip code location which can impact price quotes greatly.
We can derive from the above data that using a $250 deductible will cost you about $18 more each month or $216 a year than requesting the higher $500 deductible. Since you would have to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you usually have at a minimum 14 months between claim filings, you would come out ahead going with the higher deductible. The table below illustrates how this decision is made.
| Average monthly premium for $250 deductibles: | $141 |
| Average monthly premium for $500 deductibles (subtract): | – $123 |
| Monthly savings from raising deductible: | $18 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $18 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 14 months |
One important caveat is that higher deductibles means you will have to pay more out-of-pocket when you have a comprehensive or collision claim. You will want to have enough money stashed away in the event you need to pay the higher deductible.
The diagram below shows how choosing a deductible and can influence Ford Focus yearly insurance costs for different insured age categories. The information is based on a married male driver, full physical damage coverage, and no discounts are taken into consideration.
Drive responsibly or pay higher rates
The example below shows how traffic citations and accident claims influence Ford Focus insurance prices for different insured age categories. The price estimates are based on a single male driver, comp and collision included, $1,000 deductibles, and no other discounts are factored in.
Difference between liability only and full coverage rates
The illustration below compares Ford Focus insurance premiums with full coverage compared to only the Louisiana minimum liability coverage. The rates are based on no claims or violations, $100 deductibles, single marital status, and no additional discounts are factored in.
When to drop comp and collision
There is no clear-cut rule of when to exclude comp and collision coverage, but there is a general guideline. If the annual cost of your full coverage insurance is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you may need to consider dropping full coverage.
For example, let’s assume your Ford Focus replacement cost is $5,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, you would only receive $4,000 after paying your deductible. If you are paying more than $400 annually for physical damage coverage, then you might want to consider buying only liability coverage.
There are some cases where eliminating full coverage is not in your best interest. If you still owe money on your vehicle, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should not buy liability only.
These discounts can lower your insurance quotes
Auto insurance companies don’t list the entire discount list very clearly, so the list below details a few of the more common and also the lesser-known credits available to you.
- Data Collection Discounts – Drivers who elect to allow their insurance company to analyze driving habits by installing a telematics device like In-Drive from State Farm and Progressive’s Snapshot might see lower rates if they have good driving habits.
- Theft Prevention Discount – Cars optioned with advanced anti-theft systems are less likely to be stolen and can earn a small discount on your policy.
- Auto/Home Discount – When you combine your auto and home insurance with one company you could save up to 20% off your total Focus insurance premium.
- Discounts for Federal Employees – Having worked for a branch of the government could qualify for a slight premium decrease depending on your company.
- Sign Early and Save – A few companies allow discounts for switching to them early. It’s a savings of about 10%.
- Discount for Good Grades – Excelling in school could provide a savings of up to 20% or more. Many companies even apply the discount to college students until age 25.
- No Accidents – Insureds who avoid accidents and claims can earn big discounts when compared with drivers with a long claim history.
- Discounts for Multiple Vehicles – Drivers who insure several vehicles on one policy can get a discount on all vehicles.
- Home Ownership Discount – Just being a homeowner may earn you a small savings since owning and maintaining a home demonstrates responsibility.
One last thing about discounts, most credits do not apply to the whole policy. Some only reduce specific coverage prices like liability and collision coverage. So even though they make it sound like you can get free auto insurance, that’s just not realistic. But all discounts will definitely lower the cost of your policy.
The diagram below illustrates the difference between Ford Focus insurance premiums with and without some available policy discounts. The price estimates are based on a male driver, a clean driving record, no claims, Louisiana state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, safe-driver, marriage, homeowner, and claim-free discounts applied.
To see insurers who offer discounts in New Orleans, click here to view.
Insurance in Louisiana serves several purposes
Even though it’s not necessarily cheap to insure a Ford in New Orleans, insurance is required by state law in Louisiana and it also provides benefits you may not be aware of.
- Almost all states have mandatory liability insurance requirements which means it is punishable by state law to not carry specific minimum amounts of liability protection in order to license the vehicle. In Louisiana these limits are 15/30/25 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you bought your Focus with a loan, it’s guaranteed your bank will require you to buy insurance to protect their interest in the vehicle. If coverage lapses or is canceled, the lender may have to buy a policy to insure your Ford at a significantly higher premium and require you to pay for the much more expensive policy.
- Insurance protects not only your Ford but also your financial assets. It will also provide coverage for most medical and hospital costs for yourself as well as anyone injured by you. Liability insurance, one of your policy coverages, also covers legal expenses if someone files suit against you as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay to have it repaired.
The benefits of having insurance greatly outweigh the cost, particularly for liability claims. An average driver in America is currently overpaying as much as $700 annually so you should quote your policy with other companies every year to be sure current rates are still competitive.
What is the best car insurance company in Louisiana?
Picking the right insurer can be challenging considering how many companies provide coverage in New Orleans. The ranking data in the next section could help you pick which providers to look at comparing rates with.
Top 10 New Orleans Car Insurance Companies by A.M. Best Rank
- Travelers – A++
- USAA – A++
- GEICO – A++
- State Farm – A++
- Titan Insurance – A+
- Esurance – A+
- Progressive – A+
- The Hartford – A+
- Allstate – A+
- Nationwide – A+
Top 10 New Orleans Car Insurance Companies Overall
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
Can’t I compare rates from local New Orleans auto insurance agents?
Some people just want to sit down and talk to an agent and we recommend doing that A nice benefit of getting online price quotes is you may find the best rates but also keep your business local. Buying insurance from neighborhood insurance agencies is important especially in New Orleans.
After completing this simple form, your information is sent to companies in New Orleans who want to provide quotes for your business. You won’t even need to contact any agents as quotes are delivered instantly to you. You can find better rates and an insurance agent to talk to. If for some reason you want to get a rate quote from a specific insurance company, you can always search and find their rate quote page and fill out the quote form the provide.
If you need to find a good New Orleans insurance agent, it’s helpful to know the types of agencies and how they operate. Agents in New Orleans can be categorized as either independent or exclusive.
Independent Insurance Agencies or Brokers
Independent insurance agents are appointed with more than one company so they can insure your vehicles with any number of different companies and potentially find a lower price. If prices rise, they simply move your policy to a different company and you don’t have to do anything.
When shopping rates, you will definitely want to include rate quotes from at least one independent agent for maximum quote selection. Most can insure with additional companies that you may not be familiar with which can save you money.
Below is a short list of independent insurance agencies in New Orleans that may be able to give you free rate quotes.
- Southern Insurance Agency, LLC
725 Magazine St E – New Orleans, LA 70130 – (504) 528-9242 – View Map - Dan Burghardt Insurance Agency
5741 Crowder Blvd – New Orleans, LA 70127 – (504) 241-7283 – View Map - KTS Insurance Agency
3239 Bienville St – New Orleans, LA 70119 – (504) 371-5519 – View Map
Exclusive Insurance Agents
Exclusive agencies can only provide one company’s prices like State Farm, AAA, and Liberty Mutual. They are unable to place coverage with different providers so they are skilled at selling on more than just price. Exclusive agents are highly trained on sales techniques and that enables them to sell even at higher rates. Consumers frequently buy from the same agent for years partially due to the brand name and the convenience of having a single billing for all their coverages.
Listed below are exclusive insurance agencies in New Orleans willing to provide price quote information.
- Andy Bowden – State Farm Insurance Agent
6325 Elysian Fields Ave a – New Orleans, LA 70122 – (504) 288-2219 – View Map - Cas Fontenot State Farm®
3201 General De Gaulle Dr #103 – New Orleans, LA 70114 – (504) 366-8686 – View Map - State Farm: Luke Delouise
6262 Pontchartrain Blvd – New Orleans, LA 70124 – (504) 486-7525 – View Map
Finding the right insurance agency shouldn’t rely on just the quoted price. Here are some questions you might want to ask.
- Does the quote include credit and driving reports?
- How long has their agency been in business in New Orleans?
- Do they offer rental car reimbursement?
- Do they offer claims assistance after hours?
- Do they have any clout with companies to ensure a fair claim settlement?