Insurance for Ford FocusWant to learn the secrets to finding lower-priced Ford Focus insurance in Colorado Springs? Nobody rejoices having to buy car insurance, particularly when they could lower their rates if they shopped around.

Amazingly, a recent NerdWallet.com study showed that most drivers in Colorado have remained with the same car insurance company for four years or more, and nearly 40% of drivers have never quoted rates to find cheap coverage. American consumers could save themselves approximately $850 a year by just shopping around, but they don't understand how simple it is to compare rate quotes online. Numerous insurance companies battle for your insurance dollar, so it can be very hard to choose a insurer and uncover the absolute lowest rate on Ford Focus insurance in Colorado Springs.

If you have insurance now or are just looking to switch companies, use these techniques to buy cheaper car insurance while maintaining coverages. Buying the cheapest car insurance in Colorado Springs is really quite easy. Drivers just need to learn the quickest way to get comparison quotes over the internet.

Getting cheaper Ford Focus insurance pricing is not rocket science. You just have to invest a few minutes comparing rates from different insurance companies.

Doing price comparisons online is so simple that it makes it obsolete to physically go to insurance agents' offices. Comparing Ford Focus insurance rates online makes this unnecessary unless you're the type of person who wants the professional advice of a local agency. Although, it is possible get the lowest quotes online but have your policy serviced through an agent.

The following companies can provide free quotes in Colorado Springs, CO. If multiple companies are listed, we suggest you compare several of them in order to find the most competitive rates.

Ford Focus Insurance Rates in Colorado Springs, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $142 $282 $358 $22 $108 $912 $76
Focus SE 4-Dr Sedan $202 $454 $330 $20 $98 $1,104 $92
Focus SEL 4-Dr Sedan $162 $416 $474 $28 $142 $1,222 $102
Focus SES 4-Dr Sedan $126 $350 $396 $24 $118 $1,014 $85
Focus SE 2-Dr Coupe $152 $312 $408 $24 $122 $1,018 $85
Focus SES 2-Dr Coupe $236 $546 $382 $22 $114 $1,300 $108
Get Your Own Custom Quote Go

Data rating is based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Price estimates do not factor in specific location which can alter insurance rates substantially.

Reckless driving habits raise Colorado Springs auto insurance rates

The illustration below shows how violations and at-fault fender-benders can impact Ford Focus insurance premiums for each different age group. The price estimates are based on a single female driver, comprehensive and collision coverage, $250 deductibles, and no policy discounts are applied.

Do you qualify for discounts?

Auto insurance is easily one of your largest bills, but companies offer discounts to cut the cost considerably. Most are applied when you purchase, but a few need to be asked about in order for you to get them.Cheaper auto insurance with discounts

As is typical with insurance, many deductions do not apply to the entire policy premium. Some only apply to individual premiums such as comp or med pay. Even though the math looks like you could get a free auto insurance policy, insurance companies wouldn't stay in business.

Auto insurance companies that may offer quotes with many of the previously listed discounts may include but are not limited to:

If you need lower rates, check with each insurance company which discounts you may be entitled to. A few discounts may not apply to policyholders in your area. To find insurance companies with the best discounts in Colorado Springs, click this link.

Why Your Insurance Costs might be higher

Lots of things are used when premium rates are determined. Some are obvious like a motor vehicle report, but other criteria are less obvious like your continuous coverage or your financial responsibility.

The itemized list below are a few of the "ingredients" utilized by car insurance companies to help set your rates.

Neighborhood agents and auto insurance

A lot of people just want to talk to a local agent and there is nothing wrong with that. Licensed agents will help you protect your assets and give you someone to call. The best thing about comparing rate quotes online is that drivers can save money and get lower rates and still choose a local agent. Putting coverage with local insurance agents is still important in Colorado Springs.

After completing this quick form, the coverage information is instantly submitted to local insurance agents in Colorado Springs who will give you bids for your auto insurance coverage. You won't need to contact any agents since price quotes are sent to you directly. If you need to get a comparison quote from a specific auto insurance provider, you just need to visit that company's website and fill out their quote form.

Is an exclusive or independent auto insurance agent right for you?

If you are wanting to purchase auto insurance from a local agent, it's helpful to know the types of agencies that differ in how they can insure your vehicles. Auto insurance policy providers can be classified as either independent agents or exclusive agents. Either one can write policy coverage, but it is important to understand the subtle differences because it can impact your selection of an agent.

Independent Auto Insurance Agencies

Agents that choose to be independent are normally appointed by many insurers and that enables them to quote your coverage with any number of different companies enabling the ability to shop coverage around. If you are not satisfied with one company, an independent agent can move your coverage and you don't have to switch agencies. If you need lower rates, you definitely need to get some free quotes from multiple independent agents to have the most options to choose from.

Below is a short list of independent insurance agencies in Colorado Springs that can possibly get you free price quotes.


2306 N Powers Blvd #120 - Colorado Springs, CO 80915 - (719) 591-4500 - View Map


125 N Parkside Dr #201f - Colorado Springs, CO 80909 - (719) 635-9557 - View Map


2525 W Pikes Peak Ave # C - Colorado Springs, CO 80904 - (719) 635-9720 - View Map

View more Colorado Springs agents

Exclusive Agents

Exclusive agencies can usually just insure with one company and some examples include State Farm, Allstate and AAA. Exclusive agents are unable to provide prices from multiple companies so they are skilled at selling on more than just price. Exclusive agents receive a lot of sales training on their company's products which helps them sell on service rather than price.

Shown below are exclusive agents in Colorado Springs willing to provide price quotes.


1311 E Fillmore St - Colorado Springs, CO 80907 - (719) 473-3600 - View Map


2606 Palmer Park Blvd - Colorado Springs, CO 80909 - (719) 630-1800 - View Map


1870 Dublin Blvd e - Colorado Springs, CO 80918 - (719) 593-9916 - View Map

View more Colorado Springs agents

Finding the right car insurance agent requires you to look at more than just the premium amount. You should also get answers to these questions.

Smart consumers save more

When searching for the cheapest Ford Focus rate quotes, you should never buy lower coverage limits just to save a few bucks. There have been many situations where drivers have reduced full coverage and discovered at claim time that it was a big mistake. The proper strategy is to buy enough coverage at the best cost, not the least amount of coverage.

Lower-priced Ford Focus insurance in Colorado Springs can be sourced from both online companies and from local insurance agents, so you need to shop Colorado Springs auto insurance with both to have the best rate selection. Some insurance companies may not provide rate quotes online and these smaller companies sell through independent insurance agents.

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