Discount Ford Focus insuranceAre you trying to find cheaper Ford Focus insurance in Charleston? Searching for the cheapest insurance for a Ford Focus in South Carolina could be difficult, but you can learn the following methods to make it easier. There are more efficient ways to shop for auto insurance so we're going to tell you the proper way to price shop coverage on a Ford and get the best price possible from both online companies and Charleston agents.

Unbelievable but true, nearly 70% of South Carolina drivers have stayed with the same insurance company for at least the last four years, and roughly 40% of drivers have never compared quotes from other companies. The average driver in America could cut their rates by almost $850 a year just by shopping around, but they just assume it's a time-consuming process to compare rate quotes.

The companies shown below can provide comparison quotes in Charleston, SC. If several companies are displayed, we recommend you compare several of them to get a more complete price comparison.

Ford Focus Insurance Costs in Charleston, SC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $220 $520 $358 $22 $108 $1,228 $102
Focus SE 4-Dr Sedan $232 $488 $352 $20 $106 $1,198 $100
Focus SEL 4-Dr Sedan $232 $574 $352 $20 $106 $1,284 $107
Focus SES 4-Dr Sedan $248 $612 $348 $20 $104 $1,332 $111
Focus SE 2-Dr Coupe $258 $602 $466 $28 $140 $1,494 $125
Focus SES 2-Dr Coupe $252 $612 $404 $24 $122 $1,414 $118
Get Your Own Custom Quote Go

Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Premium amounts do not factor in specific Charleston garaging location which can impact premiums substantially.

Analysis of deductible levels

The information below shows how different deductible levels and can raise or lower Ford Focus insurance costs for different age categories. The rate quotes are based on a married female driver, comprehensive and collision coverage, and no additional discounts are factored in.

Rate comparison of males versus females

The information below illustrates the comparison of Ford Focus premium costs for male and female drivers. The premium estimates are based on no accidents, no driving violations, comp and collision included, $100 deductibles, single marital status, and no discounts are factored in.

Choosing deductibles

A question often asked by Charleston drivers is what deductibles to buy. The comparison tables below approximate the difference in cost of buying low and high comp and collision deductibles. The first data table uses a $100 physical damage deductible and the second price table uses a $1,000 deductible.

Ford Focus insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $256 $530 $342 $20 $102 $1,275 $106
Focus SE 4-Dr Sedan $256 $530 $342 $20 $102 $1,275 $106
Focus SEL 4-Dr Sedan $256 $624 $342 $20 $102 $1,369 $114
Focus SES 4-Dr Sedan $256 $624 $342 $20 $102 $1,369 $114
Focus SE 2-Dr Coupe $294 $624 $386 $22 $116 $1,467 $122
Focus SES 2-Dr Coupe $294 $624 $386 $22 $116 $1,467 $122
Get Your Own Custom Quote Go
Ford Focus insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $142 $280 $342 $20 $102 $886 $74
Focus SE 4-Dr Sedan $142 $280 $342 $20 $102 $886 $74
Focus SEL 4-Dr Sedan $142 $330 $342 $20 $102 $936 $78
Focus SES 4-Dr Sedan $142 $330 $342 $20 $102 $936 $78
Focus SE 2-Dr Coupe $162 $330 $386 $22 $116 $1,016 $85
Focus SES 2-Dr Coupe $162 $330 $386 $22 $116 $1,016 $85
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and South Carolina minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Rates do not factor in zip code location which can modify price quotes greatly.

Using the premium rates above, we can conclude that using a $100 deductible will cost in the ballpark of $35 more each month or $420 every year than buying the higher $1,000 deductible. Since you would have to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you average at least 26 months between claims, you would probably come out ahead by going with a higher deductible.

Insurance policy discounts for Ford Focus insurance in Charleston

Insurance is neither fun to buy or cheap, but there may be some discounts that could drop your premiums quite a bit. Some of these discounts will be visible at quote time, but some need to be requested specifically before you get the savings.Cheaper insurance with discounts

Discounts lower rates, but some of the credits will not apply to the entire policy premium. The majority will only reduce individual premiums such as physical damage coverage or medical payments. So when the math indicates all the discounts add up to a free policy, company stockholders wouldn't be very happy.

A list of companies and a summarized list of policyholder discounts are detailed below.

It's a good idea to ask every company the best way to save money. Some discounts may not apply in your area.

Neighborhood insurance agents

Many drivers would prefer to visit with an insurance agent and doing that can be a smart decision Insurance agents can answer important questions and help in the event of a claim. A nice benefit of comparing insurance prices online is you may find the lowest rates but still work with a licensed agent.

Find insurance agent in CharlestonAfter filling out this quick form, the coverage information is emailed to companies in Charleston that provide free Charleston auto insurance quotes for your business. It simplifies rate comparisons since you won't have to contact an agency since price quotes are sent to you instantly. If you have a need to get a price quote for a specific company, just navigate to their website and complete a quote there.

Finding the right company requires more thought than just a cheap quote. Any good agent in Charleston should know the answers to these questions.

When searching for a reliable insurance agency, you should know the different types of agents and how they can quote your rates. Agencies in Charleston can be described as either independent or exclusive. Both can properly insure your vehicles, but it's important to know why they differ because it may have an impact on which agent you choose.

Exclusive Insurance Agencies

Exclusive agencies write business for a single company and some examples include Farmers Insurance or State Farm. They usually cannot provide prices from multiple companies so keep that in mind. These agents are trained well on what they offer which aids in selling service over price. Some people will only use the same agent mostly because of loyalty to the company and the convenience of having a single billing for all their coverages.

Below is a short list of exclusive insurance agencies in Charleston that can give you rate quotes.

More Charleston agents

Independent Agents (or Brokers)

These agents often have affiliation with several companies and that allows them to write policies through lots of different companies and get the cheapest rates. If premiums increase, your agent can switch companies and the insured can keep the same agent. If you need lower rates, you absolutely need to get insurance quotes from several independent agencies to have the best price comparison. Most also have access to smaller companies which could offer lower prices.

Listed below are Charleston independent agencies who can help you get price quotes.

More Charleston agents

When do I need an agent's advice?

When it comes to buying the right insurance coverage for your personal vehicles, there really isn't a "perfect" insurance plan. Your needs are unique to you and your car insurance should unique, too.Drive safe and save For instance, these questions can help discover whether your personal situation might need professional guidance.

If you can't answer these questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Charleston Insurance Prices are Influenced by These Factors

It's important that you understand some of the elements that help calculate the rates you pay for auto insurance. When you understand what determines premiums, this allows you to make educated decisions that can earn you big savings. Many factors are part of the equation when you get your auto insurance bill. Some are obvious such as your driving record, although some other factors are more transparent such as your credit history and annual miles driven.

Lower rates for married couples - Being married may save some money on your auto insurance bill. Having a significant other usually means you are more responsible and it's statistically proven that drivers who are married file infrequent claims.

Annual mileage impacts costs - The higher the miles on your Ford every year the higher the price you pay to insure it. Most companies charge to insure your cars based upon how you use the vehicle. Autos that sit idle most of the time get more affordable rates than vehicles that are driven to work every day. Improper usage on your Focus may be costing you higher rates. It's a smart idea to ensure your policy states how each vehicle is driven, because improper ratings can cost you money.

Tough occupation may mean higher rates - Occupations like fire fighters, architects and dentists generally have higher average rates in part from intense work-related stress and extremely grueling work hours. Other professions such as actors, athletes and homemakers pay lower than average rates.

GPS tracking and theft deterrents systems cut prices - Choosing to buy a car that has a built-in theft deterrent system can save you a little every year. Anti-theft features such as GM's OnStar, tamper alarm systems and vehicle immobilizers all hinder your car from being stolen.

Excellent credit scores equal low premiums - Having a bad credit score is a big factor in calculating your premium rate. So if your credit history could use some work, you may save money insuring your Ford Focus by repairing your credit. People with high credit scores tend to file fewer claims than those with lower ratings.

Ford Focus historical loss data - Insurance companies take into consideration historical loss data for every vehicle when determining insurance rates. Vehicles that statistically have increased claim numbers or amounts will have higher premium rates. The information below illustrates the collected loss data for Ford Focus vehicles.

For each coverage type, the claim probability for all vehicles as a whole is considered to be 100. Percentage values below 100 suggest losses that are better than average, while percentage values above 100 indicate frequent claims or a tendency for claims to be larger.

Ford Focus Insurance Claim Statistics

Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Ford Focus 106 98 90 103 109 111
Ford Focus Electric 87 85 66

Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Insurance in South Carolina serves several purposes

Despite the high insurance cost for a Ford Focus in Charleston, insurance serves several important purposes.

First, almost all states have compulsory liability insurance requirements which means state laws require specific limits of liability if you drive a vehicle. In South Carolina these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you have a lien on your Ford Focus, it's guaranteed your bank will require that you have comprehensive coverage to ensure loan repayment if the vehicle is totalled. If the policy lapses, the lender will be forced to insure your Ford for a much higher rate and force you to pay the higher premium.

Third, insurance preserves not only your vehicle but also your assets. It will also cover most medical and hospital costs for you, any passengers, and anyone injured in an accident. One policy coverage, liability insurance, also pays for attorney fees and expenses if you are sued as the result of your driving. If damage is caused by hail or an accident, your policy will pay to have it repaired.

The benefits of having insurance more than offset the price you pay, particularly for liability claims. According to a 2015 survey, the average American driver is overpaying over $865 each year so it's recommended you shop around at every policy renewal to help ensure money is not being wasted.

Persistent drivers can save

You just read quite a bit of information on how to compare Ford Focus insurance rates in Charleston. The key thing to remember is the more you quote Charleston auto insurance, the better likelihood of getting the cheapest Ford Focus rate quotes. Consumers may even find the best rates are with some of the smallest insurance companies. These smaller insurers may cover specific market segments cheaper compared to the large companies like State Farm, GEICO and Nationwide.

As you restructure your insurance plan, don't be tempted to reduce needed coverages to save money. There have been many situations where an insured dropped collision coverage and learned later that the savings was not a smart move. Your focus should be to buy a smart amount of coverage for the lowest cost while not skimping on critical coverages.

Additional information