How to Save on Ford Focus Insurance in Denver

Want to learn how to save money and find more affordable Ford Focus insurance in Denver? Nobody enjoys paying for car insurance, especially knowing the cost is too high.

Insurance for Ford FocusShockingly, nearly 70% of drivers kept their policy with the same company for at least the last four years, and approximately 38% of consumers have never quoted rates to find cheaper coverage. With the average car insurance premium being $1,800, Colorado drivers can cut their rates by up to 35% a year by just comparing quotes, but they don't understand how simple it is to find cheaper insurance by shopping around.

Numerous insurers battle to insure your vehicles, so it can be very hard to choose a insurer and get the definite lowest price on Ford Focus insurance in Denver.

It's a good idea to take a look at other company's rates once or twice a year because car insurance prices go up and down regularly. If you had the best deal on Ford Focus insurance in Denver at your last renewal you will most likely find a better premium rate today. Block out anything you think you know about car insurance because you're going to get a crash course in the fastest and easiest way to remove unneeded coverages and save money.

If you have coverage now, you will most likely be able to find better prices using the following tips. Buying affordable car insurance in Denver is much easier if you know where to start. Nevertheless, Colorado car owners must comprehend how the larger insurance companies set your policy premium because rates are impacted by many factors.

When comparing car insurance rates, know that getting more free quotes helps improve the odds of finding the best rates.

The companies in the list below are our best choices to provide quotes in Colorado. If more than one company is shown, it's highly recommended you visit as many as you can in order to get a fair rate comparison.

Ford Focus Insurance Cost Estimates in Denver, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $188 $424 $426 $26 $128 $1,192 $99
Focus SE 4-Dr Sedan $230 $448 $358 $22 $108 $1,166 $97
Focus SEL 4-Dr Sedan $240 $592 $362 $22 $108 $1,324 $110
Focus SES 4-Dr Sedan $132 $312 $362 $22 $108 $936 $78
Focus SE 2-Dr Coupe $212 $458 $382 $22 $114 $1,188 $99
Focus SES 2-Dr Coupe $234 $528 $416 $24 $124 $1,326 $111
Get Your Own Custom Quote Go

Data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Price estimates do not factor in zip code location which can affect premium rates greatly.

Gender-based car insurance premiums

The information below visualizes the comparison of Ford Focus auto insurance costs for male and female drivers. The premium estimates are based on no driving violations, no at-fault accidents, full coverage, $100 deductibles, drivers are single, and no discounts are applied.

Get affordable rates on Ford Focus insurance in Denver with these insurance discounts

Insurance is not an enjoyable expense, but there's a good chance there are discounts that could drop your premiums quite a bit. Some of these discounts will be visible when you purchase, but some may not be applied and must be manually applied prior to receiving the credit.Cheaper insurance with discounts

Consumers should know that most discounts do not apply to the entire policy premium. Most only apply to the cost of specific coverages such as liability, collision or medical payments. Despite the appearance that having all the discounts means you get insurance for free, it just doesn't work that way.

If you would like to see a list of providers who offer discounts in Colorado, follow this link.

Decisions You Make Can Impact Your Insurance Prices

Many things are used when premium rates are determined. Most are fairly basic like a motor vehicle report, but other criteria are not as apparent like where you live or how financially stable you are. Consumers need to have an understanding of some of the things that play a part in calculating your policy premiums. If you have some idea of what impacts premium levels, this empowers consumers to make smart changes that may reward you with lower car insurance prices.

Compare prices but still have a neighborhood Denver auto insurance agent

A lot of people would rather have an agent's advice and that is just fine! One of the benefits of price shopping on the web is the fact that you can find better rates and still have an agent to talk to. And providing support for neighborhood insurance agencies is definitely important in Denver.

Insurance agency in DenverAfter completing this form (opens in new window), your coverage information is emailed to insurance agents in Denver who will give competitive quotes and help you find cheaper coverage. There is no reason to contact any insurance agencies since rate quotes are delivered directly to your email. You can get cheaper car insurance rates without having to waste a lot of time. If you need to get a rate quote for a specific company, don't hesitate to navigate to their website to submit a rate quote request.

If you want to buy car insurance from a local Denver insurance agent, you need to know there are two different agency structures and how they are distinctly different. Car insurance agencies are considered either independent or exclusive depending on the company they work for.

Independent Car Insurance Agencies or Brokers

Agents that choose to be independent are not locked into one company and that gives them the ability to insure with lots of companies and find the cheapest rate. If prices rise, they simply switch companies in-house which is easy for the insured. When comparison shopping, you need to get insurance quotes from multiple independent agents to get the best comparison.

Listed below is a small list of independent insurance agencies in Denver who may provide free car insurance rate quotes.


2696 CO-2 - Denver, CO 80222 - (303) 377-1172 - View Map


1777 W 38th Ave #102 - Denver, CO 80211 - (303) 477-0505 - View Map


44 Cook St #100 - Denver, CO 80206 - (303) 650-0060 - View Map

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Exclusive Car Insurance Agencies

Exclusive insurance agents work for only one company such as Allstate, State Farm and Farm Bureau. They usually cannot provide prices from multiple companies so always compare other rates. Exclusive agents are usually well trained on sales techniques and that allows them to sell at a higher price point.

Below is a list of exclusive agents in Denver that are able to give comparison quotes.


1932 W 33rd Ave - Denver, CO 80211 - (303) 433-2094 - View Map


3900 E Mexico Ave # 105 - Denver, CO 80210 - (303) 320-7859 - View Map

Tammy Hill - State Farm Insurance Agent
4650 Tower Rd Unit 101 - Denver, CO 80249 - (303) 373-9500 - View Map

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Selecting an auto insurance agent requires more thought than just a low price. Ask your prospective agent these questions:

A conclusion for your insurance search

When you buy Denver car insurance online, make sure you don't buy lower coverage limits just to save a few bucks. In many cases, someone sacrificed full coverage and discovered at claim time that the few dollars in savings costed them thousands. Your aim should be to buy the best coverage you can find at the lowest possible cost while not skimping on critical coverages.

Budget-friendly insurance in Denver can be bought on the web and from local agencies, so you need to quote Denver car insurance with both to have the best rate selection. Some insurance companies may not provide rates over the internet and these small insurance companies sell through local independent agencies.

You just learned a lot of ways to find cheap Ford Focus insurance in Denver. The most important thing to understand is the more providers you compare, the higher your chance of finding cheaper Denver car insurance quotes. Consumers may even find the lowest prices come from an unexpected company. Smaller companies may often insure only within specific states and give better rates compared to the large companies like GEICO and State Farm.

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