What Insurance is Cheapest for a Ford Focus in Pittsburgh?

Finding economical car insurance for a Ford Focus in Pennsylvania is pretty simple for most people to do, but it relies on many rating criteria such as how old the Focus is, where your vehicle is garaged, and whether or not you are a good driver. Drivers will pay around $933 each year for Focus insurance, but that figure is an estimation based upon a 50-year-old single male driver with full physical damage coverage and $500 deductibles.

But there is a high probability that you may not be 50 years old (or even male), maybe you are married instead of single, or maybe you prefer to not insure for full coverage. Even a slight change in rating variables can result in a massive change in policy price.

Every driver’s needs are different, and that is why the best method for finding cheap insurance rates for your Ford is to just compare rates yourself.

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Your vehicle’s trim level tends to have a direct effect on the yearly cost, so the rate you pay to insure a Focus S 4-Dr Sedan trim level will be $152 cheaper than the insurance cost for the more expensive Focus SES 2-Dr Coupe model, as shown in the prices below.

Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Rates do not factor in zip code location which can impact insurance rates substantially.

Buying coverage from the best car insurance provider is difficult considering how many companies there are in Pittsburgh. The company rank data listed below may help you analyze which providers you want to consider when shopping your coverage around.

The ratings below include companies with a national presence, so companies that only write business in Pennsylvania or surrounding areas will not be included in the list. To get price quotes from these and other companies in Pennsylvania, simply click here.

Top 10 Large Car Insurance Companies in Pittsburgh Ranked by A.M. Best Rating

1. USAA – A++
2. GEICO – A++
3. Travelers – A++
4. State Farm – A++
5. Allstate – A+
6. Nationwide – A+
7. Esurance – A+
8. Erie Insurance – A+
9. Progressive – A+
10. Titan Insurance – A+

Top 10 Large Car Insurance Companies Overall in Pittsburgh

1. The General
2. Titan Insurance
3. The Hartford
4. Progressive
5. Travelers
6. State Farm
7. Farmers Insurance
8. Erie Insurance
9. Safeco Insurance
10. USAA

How to get discounts on Pittsburgh car insurance

Insurance providers that provide policies for a Ford Focus may have premium discounts that can lower rates by as much as 40% or more if you meet eligibility requirements. The best insurance companies and their possible discounts include:

• State Farm offers discounts including Drive Safe & Save, Steer Clear safe driver discount, driver’s education, multiple autos, accident-free, safe vehicle, and good student.
• GEICO offers premium reductions for driver training, air bags, daytime running lights, emergency military deployment, and seat belt use.
• Allstate offers discounts for FullPay discount, early signing, good payer, economy car, senior citizen, and premier plus.
• SAFECO may include discounts for accident prevention training, multi-car, anti-lock brakes, safe driver, and drive less.
• Farm Bureau may offer discounts for safe driver, multi-policy, multi-vehicle, driver training, good student, renewal discount, and youthful driver.
• Progressive has discounts for online quote discount, good student, homeowner, multi-policy, multi-vehicle, and continuous coverage.
• AAA has savings for pay-in-full, good student, good driver, anti-theft, and education and occupation.

The diagram below illustrates the difference between premium costs with and without policy discounts. The prices are based on a male driver, no claims or violations, Pennsylvania state minimum liability limits, full coverage, and $250 deductibles.

The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with marriage, homeowner, multiple vehicle, passive restraint, safe-driver, and accident-free discounts applied. When discounts are applied, theaverage amount saved on insurance for a Ford Focus is 28% or $598.

The importance of shopping around

Pittsburgh, PA insurance rates are impacted by many things which can substantially change the price you pay for coverage. Simply having another birthday, getting married, or having an accident can cause premium changes that can make some companies more affordable than before. Not only may things change on your end, but insurance companies change rates every year to reflect underwriting profits or losses. Heavier than normal losses may cause additional price hikes, while a better claims history can produce cheaper Focus insurance rates.

As an example, the graph below analyzes the cheapest car insurance in Pittsburgh, PA for a 45-year-old female driver with a clean driving record, no accidents, and solid credit. Based on her current situation, General Casualty might offer the lowest car insurance rates in Pittsburgh at $852 per year. This is $805 less than the average rate paid by Pennsylvania drivers of $1,657. USAA, Penn National, Travelers, and Erie are the remaining most affordable Pittsburgh, PA auto insurance companies.

In the next rate comparison, we’ll give the driver from the above example a chargeable claim, a little lower credit rating, and a speeding citation. Since each auto insurance company uses their own method for setting rates, comparing rates could result in a completely different list of affordable Pittsburgh car insurance companies as shown below.

Amica now has the best insurance rate in Pittsburgh with Atlantic States, USAA, Donegal Mutual, and Erie also being competitive. This example illustrates why it is important to compare rates when trying to find the lowest auto insurance rates for a Ford Focus.

Prices are made up of many risk factors and can increase or decrease at any time, so the best option the last time you shopped your coverage around may now cost much more than other companies.

The agents below are willing to answer your questions and help you decide which coverage fits your budget, since many consumers aren’t sure which coverage to buy and prefer to get help from a professional when shopping for the best coverage for a Focus. It can be time-consuming to find coverage yourself, and getting professional guidance from a licensed agent can bring satisfaction knowing your coverage gives you adequate coverage when you need it most. To find a Pittsburgh insurance agency using an interactive map, click the button at the bottom.

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Ideas for finding cheaper car insurance for a Ford Focus

The list below details some of the recommended penny-pinching solutions that can help Pittsburgh drivers locate low-cost coverage.

• Do not pay for full coverage on older vehicles
• Drive safe vehicles
• Avoid at-fault accidents and claims
• If possible, pay for small claims out-of-pocket
• Tickets and violations raise rates
• Bundle car and home insurance and save money
• Shop around once a year for cheaper rates

The last tip in the list is extremely significant, as was stressed in the prior information. Coverage prices can be changed at any time, so don’t be unwilling to change insurance companies if a better deal can be had.

Brand loyalty is great, but it’s not a great idea if that faithfulness ends up costing you money that could be spent on other things. It only takes a couple minutes to shop around and find cheaper auto insurance for a Ford Focus in Pittsburgh.