How to Save on Ford Focus Insurance in Portland

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Insurance quote for Ford Focus in PortlandShocking but true, the vast majority of consumers in Oregon kept buying from the same company for at least the last four years, and nearly 40% of drivers have never taken the time to shop around. With the average auto insurance premium being $1,847, American drivers could save an average of about $850 each year just by comparing rates, but they mistakenly think it's difficult to compare rate quotes online.

If your goal is the lowest price, then the best way to get cheaper Ford Focus insurance in Portland is to start comparing rates regularly from providers in Oregon.

First, read about the different coverages in a policy and the things you can change to keep rates low. Many rating criteria that result in higher prices like accidents, traffic tickets, and a low credit score can be controlled by making minor changes in your lifestyle.

Second, request rate estimates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give prices from one company like GEICO and Allstate, while independent agents can quote rates for many different companies.

Third, compare the new rate quotes to your existing rates to see if switching to a new carrier will save money. If you find better rates and make a switch, make sure coverage is continuous and does not lapse.

Fourth, give notification to your agent or company to cancel your current car insurance policy and submit a down payment along with a completed application for the new policy. Be sure to put the certificate verifying coverage somewhere easily accessible.

An essential thing to point out is to compare similar coverage information on each quote request and and to get price estimates from as many car insurance companies as possible. Doing this ensures a fair rate comparison and a complete selection of prices.

How do Insurers Determine Ford Focus Insurance Premiums?

Many factors are used when quoting car insurance. A few of the factors are predictable such as traffic violations, but other criteria are less apparent like where you live and annual miles driven. When buying auto insurance it's important to understand some of the elements that are used to determine the level of your policy premiums. If you have a feel for what determines premiums, this allows you to make educated decisions that could help you find lower auto insurance prices.

  • More performance means higher costs - The type of car or truck you own makes a significant difference in your rates. Lower performance four cylinder passenger cars normally have pretty low rates, but your final cost has many other factors.

    The following chart assumes a married male driver age 40, full coverage with $250 deductibles, and no discounts or violations. It illustrates Ford Focus policy rates compared to other models of vehicles that have different performance rating factors.

  • Car plus home equals more savings - Some auto insurance companies afford lower prices to policyholders that purchase more than one policy in the form of a multi-policy discount. Even if you're getting this discount you still need to shop around to help guarantee you have the best rates. You may still find a better deal by buying from different companies
  • Can a thief steal your car? - Purchasing a vehicle that has an advanced theft prevention system can save you a little every year. Systems that thwart thieves such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all hinder your car from being stolen.
  • Tough job may mean higher prices - Did you know your auto insurance rates can be affected by your occupation? Occupational choices like military personnel, executives, and financial analysts usually pay the highest average rates in part from intense work-related stress and lengthy work days. On the flip side, careers such as actors, engineers and performers pay the least.
  • Put fewer miles on your vehicle - The more you drive each year the more it will cost to insure it. Most insurance companies calculate prices based upon how much you drive. Vehicles not used for work or commuting qualify for better rates as compared to vehicles used primarily for driving to work. Improper usage on your Focus may be costing you higher rates. It's a good idea to make sure your vehicle rating reflects the correct usage, because improper ratings can cost you money.
  • Liability preserves assets - The liability coverage on your policy kicks in if you are determined to be liable for an accident. It provides for a legal defense starting from day one. This coverage is relatively inexpensive compared to comp and collision, so drivers should carry high limits.
  • Poor credit decisions can cost you - A driver's credit score can be an important factor in calculating your auto insurance rates. If your credit history is lower than you'd like, you could save money insuring your Ford Focus by taking the time to improve your credit score. People with excellent credit scores tend to be less risk to insure than those with poor credit.
  • Too many policy claims drive up rates - If you are the type of insured that files lots of claims don't be surprised to see either a policy non-renewal or much higher rates. Auto insurance companies in Oregon award lower rates to insureds who file claims infrequently. Your car insurance is meant to be used in the event of the bigger claims that can't be paid out-of-pocket.
  • Insurance losses for a Ford Focus - Insurers use historical loss data as a tool for profitable underwriting. Models that the data determines to have higher losses will have higher premium rates.

    The table shown below demonstrates the historical loss data for Ford Focus vehicles. For each type of coverage, the loss probability for all vehicles, regardless of make, model or trim level, is set at 100. Percentages below 100 suggest a better than average loss history, while numbers shown that are more than 100 point to more losses or a tendency for claims to be larger.

    Car Insurance Loss Data for Ford Focus Models
    Specific Ford 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
    Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

When comparing car insurance rates, know that making a lot of price comparisons increases the chance that you will find the best offered rates.

The companies shown below are our best choices to provide comparison quotes in Portland, OR. If you want cheap auto insurance in Portland, we recommend you get rates from several of them in order to get a fair rate comparison.

Facts and figures for Ford Focus insurance

The rate information below covers a range of insurance policy prices for Ford Focus models. Learning as much as possible about how insurance policy rates are established is important to be able to make decisions on which coverage to buy.

Ford Focus Insurance Rates in Portland, OR
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $206 $486 $362 $22 $108 $1,184 $99
Focus SE 4-Dr Sedan $206 $486 $362 $22 $108 $1,184 $99
Focus SEL 4-Dr Sedan $206 $574 $362 $22 $108 $1,272 $106
Focus SES 4-Dr Sedan $206 $574 $362 $22 $108 $1,272 $106
Focus SE 2-Dr Coupe $236 $574 $408 $24 $122 $1,364 $114
Focus SES 2-Dr Coupe $236 $574 $408 $24 $122 $1,364 $114
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Oregon minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Table data does not factor in garaging location in Portland which can increase or decrease premium rates greatly.

Physical damage deductibles: Should you raise them?

One common question asked by Portland drivers is which comprehensive and collision deductibles to buy. The premium rates below summarize the rate fluctuation when you buy lower versus higher insurance deductibles. The first data table uses a $100 physical damage coverage deductible and the second set of prices uses a $1,000 deductible.

Ford Focus insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $240 $496 $320 $18 $96 $1,195 $100
Focus SE 4-Dr Sedan $240 $496 $320 $18 $96 $1,195 $100
Focus SEL 4-Dr Sedan $240 $586 $320 $18 $96 $1,285 $107
Focus SES 4-Dr Sedan $240 $586 $320 $18 $96 $1,285 $107
Focus SE 2-Dr Coupe $274 $586 $362 $22 $108 $1,377 $115
Focus SES 2-Dr Coupe $274 $586 $362 $22 $108 $1,377 $115
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Ford Focus insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $132 $262 $320 $18 $96 $828 $69
Focus SE 4-Dr Sedan $132 $262 $320 $18 $96 $828 $69
Focus SEL 4-Dr Sedan $132 $308 $320 $18 $96 $874 $73
Focus SES 4-Dr Sedan $132 $308 $320 $18 $96 $874 $73
Focus SE 2-Dr Coupe $152 $308 $362 $22 $108 $952 $79
Focus SES 2-Dr Coupe $152 $308 $362 $22 $108 $952 $79
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Oregon minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Rates do not factor in specific garaging location which can impact insurance rates noticeably.

Based on the data above, we can derive that using a $100 deductible costs an average of $33 more each month or $396 for a full year than selecting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you go at a minimum 27 months between claims, you would save more money if you choose the higher deductible.

The chart below shows how different deductible levels and can influence Ford Focus insurance costs for each age group. The data assumes a single male driver, full physical damage coverage, and no discounts are taken into consideration.

Ford Focus insurance costs by age and gender

The example below visualizes the comparison of Ford Focus annual premium costs for male and female drivers. The prices are based on no tickets, no at-fault accidents, full coverage, $100 deductibles, marital status is single, and no discounts are taken into consideration.

Full coverage rates vs. liability-only in Portland

The example below illustrates the difference between Ford Focus insurance rates with full coverage compared to only the Oregon minimum liability coverage. The premiums are based on no violations or claims, $1,000 deductibles, single status, and no discounts are applied to the premium.

Are you wasting money on full coverage?

There is no definitive rule to delete full coverage on your policy, but there is a guideline you can use. If the yearly cost of full coverage is about 10% or more 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 say your Ford Focus claim settlement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $4,000 after paying the physical damage deductible. If you are paying more than $400 a year for physical damage coverage, then it might be time to consider dropping full coverage.

There are some scenarios where only buying liability is not a good plan. If you haven't satisfied your loan, you have to keep full coverage in order to keep the loan. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should not remove full coverage.

Best reasons to buy insurance in Oregon

Despite the fact that insurance is not cheap in Portland, buying insurance is required in Oregon but it also protects you in many ways.

First, most states have minimum liability requirements which means you are required to buy specific minimum amounts of liability protection in order to get the vehicle licensed. In Oregon these limits are 25/50/20 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $20,000 of property damage coverage.

Second, if your Focus has a loan, more than likely the lender will force you to have physical damage coverage to ensure they get paid if you total the vehicle. If the policy lapses, the bank will be required to insure your Ford at a significantly higher premium and require you to fork over for the much more expensive policy.

Third, insurance protects both your Ford Focus and your assets. It will also provide coverage for all forms of medical expenses for both you and anyone you injure as the result of an accident. As part of your policy, liability insurance also covers all legal expenses up to the policy limit in the event you are sued. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive coverages will pay to restore your vehicle to like-new condition.

The benefits of buying enough insurance more than cancel out the cost, especially for larger claims. According to a survey of 1,000 drivers, the average driver is overpaying more than $855 a year so we recommend shopping around at least once a year to save money.

Lower rates by qualifying for discounts

Insuring your vehicles can cost a lot, but there are discounts available that many people don't even know exist. Most are applied at quote time, but some discounts are required to be manually applied before being credited.Save money with discounts

  • Seat Belt Discounts - Buckling up and requiring all passengers to wear their seat belts could cut 10% or more on medical payment and PIP coverage.
  • Renewal Discounts - Some insurance companies provide a discount for switching policies early. This can save 10% or more.
  • Telematics Discount - People who choose to allow their company to spy on vehicle usage through the use of a telematics system such as Allstate's Drivewise and State Farm's In-Drive system may get a rate reduction if they are good drivers.
  • Buy New and Save - Buying insurance coverage on a new vehicle can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Driver Safety - Passing a course that instructs on driving safety is a good idea and can lower rates and easily recoup the cost of the course.
  • Discount for Life Insurance - Some insurance companies give better rates if you take out life insurance.
  • Employee of Federal Government - Having worked for a branch of the government could provide a small rate reduction with some insurance companies.
  • Senior Citizens - Seniors are able to get a small discount on rates.

Keep in mind that most discount credits are not given to the entire cost. A few only apply to specific coverage prices like comp or med pay. Just because you may think all those discounts means the company will pay you, company stockholders wouldn't be very happy.

The illustration below illustrates the difference between Ford Focus annual premium costs with and without policy discounts. The data assumes a male driver, no violations or claims, Oregon state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, claim-free, marriage, homeowner, and multi-policy discounts applied.

To find companies with the best discounts in Oregon, click here.

Car insurance agents are trained to help

A small number of people still like to get professional advice from a licensed agent and that can be a smart move A good thing about comparing auto insurance online is that drivers can save money and get cheaper rates and still have a local agent.

Insurance agency in PortlandOnce you complete this simple form, your information is immediately sent to insurance agents in Portland who will give you bids for your business. There is no reason to leave your house as quotes are delivered directly to you. You can find better rates and an insurance agent to talk to. In the event you want to compare rates from one company in particular, just go to their quote page to submit a rate quote request.

Picking an company shouldn't rely on just the premium amount. Below are some questions you should ask.

  • Can they give you a list of client referrals?
  • What insurance companies do they recommend if they are an independent agent?
  • In the event of vehicle damage, can you pick the collision repair facility?
  • Does the agent have professional designations like CIC, CPCU or AIC?
  • Do you need full coverage on every vehicle?

Pick the best car insurance agent in Portland for you

If you want to buy auto insurance from an insurance agent, you need to know there are two types of agencies and how they function. Auto insurance agents in Portland can be categorized as either independent agents or exclusive agents depending on their employer.

Exclusive Auto Insurance Agencies

Agents in the exclusive channel normally can only provide a single company's rates and examples are State Farm, Allstate and AAA. Exclusive agents are unable to provide rate quotes from other companies so keep that in mind. These agents are usually quite knowledgeable on their company's products which can be an advantage.

Shown below is a short list of exclusive agents in Portland that are able to give price quote information.

14146 SE Stark St - Portland, OR 97233 - (503) 253-2110 - View Map

107 SE Washington St Ste 143 - Portland, OR 97214 - (503) 230-0216 - View Map

736 NW 12th Ave #100 - Portland, OR 97209 - (503) 227-1393 - View Map

View more Portland agents

Independent Agents (or Brokers)

Agents of this type are not employed by any specific company and that is an advantage because they can write policies through many companies and get the cheapest rates. If prices rise, the business is moved internally and you don't have to switch agencies. When comparison shopping, you absolutely need to include at least one independent agent in order to compare the most rates.

Shown below are Portland independent agencies who can help you get rate quotes.

9955 SE Washington St #103 - Portland, OR 97216 - (971) 213-1015 - View Map

5845 SE 82nd Ave - Portland, OR 97266 - (503) 777-5406 - View Map

510 SW 5th Ave #701 - Portland, OR 97204 - (503) 251-2255 - View Map

View more Portland agents

Oregon auto insurance companies ranked

Insuring your vehicle with the right car insurance company is hard considering how many choices drivers have in Portland. The ranking information in the lists below may help you select which companies you want to consider comparing prices from.

Portland, Oregon Auto Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
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Data Source: Best Car Insurance Companies

Which is the best insurance?

Always remember that when buying insurance from an agent or online for your personal vehicles, there really isn't a "perfect" insurance plan. Your needs are unique to you.Drive safe and save

For example, these questions can aid in determining if you will benefit from professional help.

  • Is there coverage for injuries to my pets?
  • What is the difference between comprehensive and collision coverage?
  • When do I need to add a new car to my policy?
  • Is business property covered if stolen from my car?
  • Should I put collision coverage on all my vehicles?
  • How can I find cheaper teen driver insurance?
  • How much will a speeding ticket raise my rates?

If you don't know the answers to these questions but one or more may apply to you then you might want to talk to an agent. To find an agent in your area, simply complete this short form.

Quote more and you will save more

As you go through the steps to switch your coverage, do not reduce needed coverages to save money. In many cases, someone sacrificed full coverage to discover at claim time that they should have had better coverage. Your objective should be to buy enough coverage at a price you can afford while not skimping on critical coverages.

The cheapest Ford Focus insurance in Portland can be bought on the web in addition to local insurance agencies, and you should be comparing both in order to have the best price selection to choose from. There are still a few companies who don't offer rates over the internet and these regional carriers work with local independent agents.

Drivers who switch companies do it for a variety of reasons including delays in responding to claim requests, questionable increases in premium, poor customer service and delays in paying claims. Whatever your reason, switching auto insurance companies is actually quite simple.

More tips and info about auto insurance can be read by following these links: