Are you sick of overpaying and want lower-priced Ford Focus insurance in Providence? Are you irritated from not being able to scrape enough together to pay your car insurance bill each month? You are no different than many other consumers in Rhode Island.

Insurance for Ford FocusSadly, most car insurance policyholders in Rhode Island kept buying from the same company for at least the last four years, and practically 40% of car insurance customers have never shopped around. Drivers in the U.S. can cut their rates by $850 a year by just comparing quotes, but most undervalue how much savings they would realize if they swap their current policy for a cheaper one. Consumers have multiple car insurance companies to insure vehicles with, and though it is a good thing to be able to choose, it makes it harder to compare rates for Ford Focus insurance in Providence.

It's a great practice to shop coverage around periodically since rates change regularly. Just because you found the lowest premium rates on Ford Focus insurance in Providence a year ago a different company probably has better prices today. You'll find a ton of advice on Focus insurance online, but in just a couple of minutes you can learn some great ways to find affordable car insurance in Providence.

This article's intent is to introduce you to how car insurance companies work and some money-saving tips. If you have a current auto insurance policy, you will definitely be able to find better prices using these methods. Comparison shoppers just need to understand the fastest way to shop online.

Auto insurance providers offering low-cost rates in Rhode Island

The companies in the list below provide free quotes in Rhode Island. If the list has multiple companies, we suggest you get rates from several of them in order to get a fair rate comparison.

Ford Focus Insurance Price Estimates in Providence, RI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $298 $726 $490 $30 $146 $1,690 $141
Focus SE 4-Dr Sedan $262 $598 $528 $32 $158 $1,578 $132
Focus SEL 4-Dr Sedan $338 $914 $548 $32 $164 $1,996 $166
Focus SES 4-Dr Sedan $190 $492 $426 $26 $128 $1,262 $105
Focus SE 2-Dr Coupe $150 $326 $430 $26 $130 $1,062 $89
Focus SES 2-Dr Coupe $152 $332 $440 $26 $132 $1,082 $90
Get Your Own Custom Quote Go

Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Rhode Island minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Information does not factor in zip code location which can increase or decrease rates significantly.

Should you buy full coverage?

The illustration below visualizes the comparison of Ford Focus yearly insurance costs with full physical damage coverage compared to only buying liability only. The data is based on no accidents or driving violations, $100 deductibles, single female driver, and no discounts are applied.

When to switch to liability coverage only

There is no definitive formula of when to eliminate full coverage, but there is a guideline you can use. If the annual cost of having full coverage is more than around 10% of replacement cost minus your deductible, then you might consider buying liability only.

For example, let's assume your Ford Focus replacement cost is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company would pay you is $8,000 after paying your deductible. If premium cost is more than $800 a year for physical damage coverage, then it could be time to drop full coverage.

There are some circumstances where buying only liability insurance is not financially feasible. If you have an outstanding loan on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should not buy liability only.

Impact of careless driving on auto insurance rates

The example below highlights how traffic violations and fender-benders can drive up Ford Focus insurance costs for each age group. Data assumes a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied.

Lower Insurance Rates with These Tips

Smart consumers have a good feel for the rating factors that play a part in calculating the rates you pay for insurance. If you have a feel for what controls the rates you pay, this empowers consumers to make smart changes that may result in lower insurance prices. Many things are used when pricing auto insurance. Some are pretty understandable like a motor vehicle report, but others are more transparent such as your credit history and annual miles driven.

The items below are a partial list of the pieces used by insurance companies to determine your rate level.

Cheaper rates with these discounts

Insuring your fleet can be pricey, but there are discounts available that you may not even be aware of. Many discounts should be triggered when you purchase, but some must be asked for prior to getting the savings. If you are not receiving all the discounts you qualify for, you are not getting the best rate possible.Cheaper insurance with discounts

Consumers should know that many deductions do not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as liability and collision coverage. Despite the appearance that all those discounts means the company will pay you, you aren't that lucky. Any amount of discount will definitely reduce the cost of coverage.

Companies and some of the premium reductions they offer are detailed below.

When getting free Providence auto insurance quotes, it's a good idea to every prospective company to give you their best rates. Some discounts listed above may not apply to policyholders in Providence. To see a list of insurance companies who offer discounts in Rhode Island, follow this link.

Compare rates but work with a local Providence insurance agency

A small number of people just want to go talk to an agent and that can be a smart move Most agents are trained to spot inefficiencies and give you someone to call. An additional benefit of getting free rate quotes online is that you can obtain the best rates and also buy local. Buying insurance from local insurance agencies is important particularly in Providence.

Providence insurance agentsOnce you complete this short form, your insurance coverage information is submitted to agents in your area that provide free Providence auto insurance quotes and help you find cheaper coverage. You won't need to leave your computer since rate quotes are delivered directly to you. If you want to quote rates from a specific auto insurance provider, feel free to navigate to their website and complete a quote there.

The difference between Providence car insurance agents

When researching a local insurance agency, you should know the types of agencies and how they function. Agents can be described as either independent agents or exclusive agents. Either one can insure your vehicles properly, but it's worth learning the difference between them because it can impact the kind of agent you use.

Independent Auto Insurance Agencies or Brokers

These type of agents are not locked into one company so they can quote policies through lots of different companies and find you cheaper rates. To transfer your coverage to a different company, they simply switch companies in-house and you don't have to find a new agent.

When shopping rates, it's recommended you include price quotes from multiple independent agents for maximum quote selection.

Below is a partial list of independent insurance agents in Providence that may be able to provide price quotes.

Beaudoin Insurance
73 Taunton Ave - East Providence, RI 02914 - (401) 434-4000 - View Map

994 Willett Ave - Riverside, RI 02915 - (401) 433-4100 - View Map

896 Broadway - East Providence, RI 02914 - (401) 434-7203 - View Map

View more Providence agents

Exclusive Agents

Exclusive agencies can only write with one company and some examples include AAA, State Farm, Farmers Insurance, and Allstate. They are unable to compare rates from other companies so you need to shop around if the rates are high. Exclusive insurance agents receive a lot of sales training on their products and sales techniques which helps them sell on service rather than price.

Below is a short list of exclusive agencies in Providence willing to provide comparison quotes.

760 N Main St - Providence, RI 02904 - (401) 270-3042 - View Map

585 Warren Ave - East Providence, RI 02914 - (401) 434-5737 - View Map

959 Mineral Spring Ave - North Providence, RI 02904 - (401) 722-4022 - View Map

View more Providence agents

Choosing an insurance agent is decision based upon more than just a cheap quote. Ask your prospective agent these questions:

Persistence pays off

Discount Ford Focus insurance in Providence can be found on the web and with local Providence insurance agents, so you need to quote Providence auto insurance with both to have the best chance of lowering rates. A few companies may not have internet price quotes and usually these smaller companies provide coverage only through independent agents.

In this article, we presented many ways to get a better price on Ford Focus insurance in Providence. It's most important to understand that the more rate comparisons you have, the better likelihood of getting affordable Ford Focus insurance quotes. You may even find the best car insurance rates are with some of the smallest insurance companies. Smaller companies may cover specific market segments cheaper compared to the large companies like Allstate or State Farm.

More tips and info about auto insurance is located by following these links: