Insurance quote for Ford Focus in NorfolkAre you looking for low-cost Ford Focus insurance in Norfolk? Having to pay for pricey insurance in Norfolk can diminish your budget and force you to make tough financial choices.

A study showed that almost 70% of insureds have been with the same company for four years or more, and nearly 40% of drivers have never quoted rates to find lower-cost coverage. Consumers in Virginia can cut their rates by $550 a year just by comparing rates, but they don't know the amount of savings they would get if they switched.

Due to the large number of choices for buying affordable insurance for a Ford Focus in Norfolk, it's nearly impossible to choose the best insurance provider.

You should take the time to compare prices periodically because rates change quite often. If you had the lowest rate on Ford Focus insurance in Norfolk a couple years back a different company probably has better prices today. There are a lot of ways to save on Focus insurance online but you can learn a lot of great tips on how to lower your insurance premiums.

Ford Focus insurance quotes comparison

Most major insurance companies provide insurance quotes on their websites. Getting quotes for Ford Focus insurance in Norfolk is quite easy as you simply enter the coverages you want on the page. Behind the scenes, their system will obtain reports for credit and driving violations and gives you a price quote based on the information you submitted. Being able to quote online for Ford Focus insurance in Norfolk streamlines rate comparisons, and it is important to compare as many rates as possible in order to find the cheapest car insurance rates.

To find out what other companies charge, take a look at the companies shown below. If you have your current policy handy, we recommend that you enter deductibles and limits identical to your current policy. This helps ensure you will have rate quotes based on the exact same insurance coverage.

The car insurance companies shown below are our best choices to provide free rate quotes in Virginia. If more than one company is shown, we recommend you click on several of them to get the best price comparison.

Ford Focus Insurance Rates in Norfolk, VA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $174 $336 $258 $16 $78 $862 $72
Focus SE 4-Dr Sedan $166 $392 $290 $18 $88 $954 $80
Focus SEL 4-Dr Sedan $122 $312 $270 $16 $80 $800 $67
Focus SES 4-Dr Sedan $136 $336 $248 $14 $74 $808 $67
Focus SE 2-Dr Coupe $222 $472 $290 $18 $88 $1,090 $91
Focus SES 2-Dr Coupe $154 $328 $274 $16 $82 $854 $71
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Prices above based on married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Virginia minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Information does not factor in the specific area where the vehicle is garaged which can decrease or increase auto insurance rates significantly.

Policy deductibles

When buying auto insurance, a common question is at what level do you set your deductibles. The following tables can help you visualize the difference in cost between low and high comp and collision deductibles. The first price estimate table uses a $250 deductible for physical damage and the second pricing table uses a $500 deductible.

Ford Focus insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $174 $336 $258 $16 $78 $887 $74
Focus SE 4-Dr Sedan $174 $336 $258 $16 $78 $887 $74
Focus SEL 4-Dr Sedan $174 $394 $258 $16 $78 $945 $79
Focus SES 4-Dr Sedan $174 $394 $258 $16 $78 $945 $79
Focus SE 2-Dr Coupe $198 $394 $290 $18 $88 $1,013 $84
Focus SES 2-Dr Coupe $198 $394 $290 $18 $88 $1,013 $84
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Ford Focus insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $140 $270 $258 $16 $78 $762 $64
Focus SE 4-Dr Sedan $140 $270 $258 $16 $78 $762 $64
Focus SEL 4-Dr Sedan $140 $318 $258 $16 $78 $810 $68
Focus SES 4-Dr Sedan $140 $318 $258 $16 $78 $810 $68
Focus SE 2-Dr Coupe $162 $318 $290 $18 $88 $876 $73
Focus SES 2-Dr Coupe $162 $318 $290 $18 $88 $876 $73
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Premium amounts do not factor in specific garaging location which can affect price quotes greatly.

Based on the above data, using a $250 deductible could cost the average driver approximately $11 more each month or $132 a year than requesting the higher $500 deductible. Because you would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you tend to go more than 23 months between claim filings, you would most likely save money if you choose the higher deductible. Below is how we made this calculation.

Average monthly premium for $250 deductibles: $79
Average monthly premium for $500 deductibles (subtract): - $68
Monthly savings from raising deductible: $11
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $11
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 23 months

One important note is that higher deductibles results in a higher out-of-pocket expense when you do file a claim. You need some savings in order to pay the deductible.

Higher deductibles save money

The diagram below highlights how deductible selection and can raise or lower Ford Focus insurance premiums for different age groups. The premium estimates are based on a single male driver, full physical damage coverage, and no other discounts are factored in.

Drive responsibly or pay higher rates

The diagram below demonstrates how citations and fender-benders can drive up Ford Focus insurance premiums for different age groups of insureds. The data is based on a married male driver, full coverage, $500 deductibles, and no policy discounts are applied.

Why you need car insurance

Even though Norfolk Focus insurance rates can get expensive, maintaining insurance is most likely required but also gives you several important benefits.

The benefits of carrying enough insurance are definitely more than the cost, especially with large liability claims. But the average driver in Virginia overpays more than $869 every year so you should quote and compare rates once a year at a minimum to be sure current rates are still competitive.

Insurance advertising tricks

Popular auto insurance providers such as Allstate and Progressive regularly use ads in print and on television. All the ads advertise claims about saving some big amount if you change to them. That's great but how can every company charge you less for car insurance? This is how they do it.

All companies have specific criteria for a prospective insured they prefer to insure. For example, a preferred risk should be married and over the age of 30, has few claims, and has a high credit rating. Any customer who fits that profile gets the lowest car insurance rates and is almost guaranteed to save money with a new company.

Consumers who do not fit those criteria will be charged higher premium rates and this results in the customer buying from someone else. Company advertisements say "people who switch" but not "all drivers who get quotes" save that much. This is how insurance companies can make the claims of big savings.

This really drives home the point why drivers should do a price quote comparison at every renewal. Because without a comparison, you cannot know which insurance companies will have the best Ford Focus insurance in Norfolk.

Earn discounts to get lower-cost Norfolk car insurance rates

Companies that sell car insurance don't necessarily list the complete list of policy discounts very well, so the list below details some of the best known as well as some of the hidden ways to save on car insurance.Cheaper car insurance with discounts

We need to note that most discount credits are not given to the overall cost of the policy. Most only apply to the price of certain insurance coverages like medical payments or collision. Just because you may think all the discounts add up to a free policy, car insurance companies aren't that generous. But all discounts will bring down your policy premium.

Larger car insurance companies and their possible discounts are included below.

It's a good idea to ask each company how you can save money. Some discounts may not apply to policyholders in every state. To see insurance companies with significant discounts in Virginia, click this link.

Compare prices but work with a neighborhood Norfolk auto insurance agent

A lot of people still prefer to sit down and talk to an agent and there is nothing wrong with that. One of the best bonuses of comparing insurance online is the fact that drivers can get cheap rate quotes and still buy from a local agent. And supporting local agents is important particularly in Norfolk.

Insurance agency in NorfolkTo find an agent, once you fill out this form (opens in new window), your insurance data is instantly submitted to participating agents in Norfolk who will give competitive quotes for your coverage. It simplifies rate comparisons since you won't have to contact any insurance agencies since price quotes are sent to the email address you provide. You can get cheaper insurance rates and an insurance agent to talk to. If for some reason you want to get a comparison quote from a specific insurance provider, you would need to navigate to their website and submit a quote form there.

Two different types of auto insurance agents

If you want to use a reliable insurance agent, there are two different types of agencies to choose from. Agencies in Norfolk are either independent (non-exclusive) or exclusive.

Independent Insurance Agencies or Brokers

Agents in the independent channel are not restricted to one company and that is an advantage because they can write policies with many different companies enabling the ability to shop coverage around. If your agent finds better pricing, the agent simply finds a different carrier and you won't have to switch agencies. When comparing rates, you need to get quotes from a few independent agents so that you have a good selection of quotes to compare.

Listed below is a short list of independent agencies in Norfolk that can possibly get you free insurance rate quotes.


500 W 21st St #300 - Norfolk, VA 23517 - (757) 622-4653 - View Map


1547 A E Little Creek Rd - Norfolk, VA 23518 - (757) 583-2341 - View Map

123 ABC Insurance, LLC
1032 W 24th St a - Norfolk, VA 23517 - (757) 337-3919 - View Map

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Exclusive Agencies

These agents can only quote rates from one company and examples are Farmers Insurance, Allstate, or State Farm. Exclusive agents cannot shop your coverage around so they really need to provide good service. Exclusive agents are usually quite knowledgeable on what they offer which helps them sell on service rather than price.

Listed below are Norfolk exclusive insurance agents that are able to give rate quotes.


708 E Little Creek Rd - Norfolk, VA 23518 - (757) 480-4100 - View Map


121 W 21st St - Norfolk, VA 23517 - (757) 416-7500 - View Map


7607 Sewells Point Rd - Norfolk, VA 23513 - (757) 963-8420 - View Map

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Deciding on an auto insurance agent requires more thought than just the premium amount. Any agent in Norfolk should be willing to answer these questions.

How much can you save?

We covered many tips how you can save on Ford Focus insurance in Norfolk. It's most important to understand that the more rate quotes you have, the better chance you'll have of finding affordable Ford Focus insurance quotes. You may even find the most savings is with a small mutual company. Smaller companies may have significantly lower rates on certain market segments as compared to the big name companies such as Allstate or State Farm.

Budget-friendly car insurance in Norfolk is definitely available from both online companies and with local Norfolk insurance agents, and you need to price shop both to get a complete price analysis. Some car insurance companies may not provide the ability to get quotes online and most of the time these small, regional companies only sell through independent insurance agencies.

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