If you are new to online auto insurance, it's easy to get overwhelmed by the vast assortment of online auto insurance companies and websites who all claim to have the lowest rates for Ford Focus insurance in San Jose.

Insurance rates Ford Focus in San JoseSadly, about 70% of customers have been with the same company for well over three years, and about 40% of consumers have never compared auto insurance rates at all. The average driver in the U.S. could save approximately 46.5% each year by just shopping around, but most just don't grasp the amount of money they would save if they just switched companies.

To find low cost quotes, there are a couple of ways to compare rate quotes from many different California insurance companies. By far the easiest way to find the lowest rates is to perform an online rate comparison.

Just keep in mind that comparing a wide range of rates helps increase your odds of locating better pricing. Some companies don't provide San Jose Focus insurance quotes online, so you also need to get rates on coverage from those companies, too.

The following companies offer quotes in California. If your goal is to find the best auto insurance in California, we suggest you visit as many as you can to find the most competitive car insurance rates.

Ford Focus Insurance Price Estimates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $322 $672 $450 $26 $134 $1,604 $134
Focus SE 4-Dr Sedan $332 $686 $442 $26 $132 $1,618 $135
Focus SEL 4-Dr Sedan $324 $930 $534 $32 $160 $1,980 $165
Focus SES 4-Dr Sedan $324 $930 $534 $32 $160 $1,980 $165
Focus SE 2-Dr Coupe $326 $834 $564 $34 $168 $1,926 $161
Focus SES 2-Dr Coupe $182 $418 $524 $32 $156 $1,312 $109
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Table data represents married female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Price estimates do not factor in specific zip code location which can alter coverage rates substantially.

Rate comparison of full coverage and liability-only

The information below visualizes the comparison of Ford Focus auto insurance rates when comparing full coverage to liability only. The data is based on no driving violations, no at-fault accidents, $250 deductibles, single male driver, and no additional discounts are factored in.

When to eliminate full coverage

There is no exact formula for eliminating comprehensive and collision coverage on your policy, but there is a general convention. If the yearly cost of comp and collision coverage is more than about 10% of the settlement you would receive from your company, then you might want to think about dropping full coverage.

For example, let's pretend your Ford Focus replacement cost is $4,000 and you have $1,000 deductibles. If your vehicle is totaled, you would only receive $3,000 after the deductible is paid. If you are paying more than $300 annually to have full coverage, then you may need to consider dropping full coverage.

There are a few situations where dropping full coverage is not recommended. If you still owe money on your vehicle, you have to carry full coverage to protect the lienholder's interest in the vehicle. Also, if you don't have enough money to buy a different vehicle if your current one is damaged, you should keep full coverage on your policy.

Raise deductibles and save

The example below illustrates how your deductible choice and can influence Ford Focus premium costs for different categories of driver ages. The rate quotes are based on a single male driver, full physical damage coverage, and no discounts are factored in.

Affordable Ford Focus insurance in San Jose

Insuring your vehicles can cost a lot, but there are discounts available that could help you make your next renewal payment. Larger premium reductions will be automatically applied when you get a quote, but occasionally some discounts must be manually applied prior to receiving the credit.Car insurance discounts

It's important to understand that most discount credits are not given to the entire policy premium. Most only cut specific coverage prices like medical payments or collision. Even though it appears all the discounts add up to a free policy, companies don't profit that way. Any amount of discount will help lower your overall premium however.

Insurance companies that may include these discounts possibly include:

If you want the cheapest Ford Focus rate quotes, ask each insurance company how many discounts you can get. Some discounts may not apply to policies in your area. To view providers who offer free Ford Focus insurance quotes in California, click here.

Here's why car insurance is not optional

Despite the high insurance cost for a Ford Focus in San Jose, car insurance serves an important purpose.

The benefits of buying enough insurance greatly outweigh the cost, particularly if you ever have a claim. According to a recent study, the average American driver overpays more than $830 a year so compare rate quotes at every policy renewal to be sure current rates are still competitive.

Tailor your insurance coverage to you

When quoting and comparing a policy for your vehicles, there really isn't a "best" method to buy coverage. Everyone's situation is unique and your insurance should be unique as well.Insurance savings Here are some questions about coverages that can help discover if you would benefit from an agent's advice.

If you're not sure about those questions but a few of them apply, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance companies in your area.

Compare prices but buy from a local San Jose insurance agent

Some consumers would prefer to get professional advice from a licensed agent and that is just fine! A good thing about getting free rate quotes online is that you can find the best rates and still have an agent to talk to. And buying from small agencies is important especially in San Jose.

San Jose insurance agentsTo find an agent, once you fill out this quick form, your information is submitted to local insurance agents who will return price quotes for your business. You won't even need to leave your house since rate quotes are delivered to you. You'll get the best rates and a licensed agent to work with. If you need to quote rates for a specific company, don't hesitate to visit that company's website and fill out their quote form.

If you prefer to buy car insurance from a local San Jose insurance agency, you must know there are a couple different agency structures and how they are slightly different. Insurance agencies in San Jose can be categorized as either exclusive or independent (non-exclusive).

Independent Agencies or Brokers

Independent agencies often have many company appointments so they can quote policies with an assortment of companies and get you the best rates possible. If you want to switch companies, they simply move your policy to a different company and you stay with the same agent.

If you are comparing rate quotes, it's recommended you include independent agents so that you have a good selection of quotes to compare. Most also write with small regional insurance companies which can save you money.

Shown below is a partial list of independent insurance agents in San Jose that can give you rate quotes.

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Exclusive Car Insurance Agents

These type of agents can only quote rates from one company and some examples include State Farm or Allstate. They generally cannot compare other company's rates so they really need to provide good service. Exclusive agencies are very knowledgeable on the products they sell which helps them sell insurance even at higher premiums. A lot of people buy from exclusive agents partially due to the brand name and strong financial ratings.

Listed below are San Jose exclusive agents that are able to give price quote information.

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Selecting an insurance agency requires more thought than just the premium amount. Here are some questions to ask:

Upon receiving positive responses to any questions you have as well as cheap Focus insurance quotes, you may have just found a car insurance agent that is reputable and can adequately provide car insurance.