The name "Ford" and automobiles have been intertwined ever since Henry Ford developed and manufactured the first car for the masses almost 100 years ago. Today, Ford vehicles are in high demand by American consumers. You can cover your Ford and protect your finances with a suitable Ford car insurance policy.
An independent insurance agent in the Trusted Choice® network can help you find affordable coverage for whatever model of Ford you own. These agents can and answer your insurance-related questions, explain your coverage options and help you compare Ford car insurance quotes to find the policy that is right for you. Contact a local agent now for more information about insuring your Ford.
A car's safety rating can influence the cost of your car insurance. Fortunately, Ford vehicles are some of the safest on the road. In fact, the 2013 Ford Focus earned the rating "Top Safety Pick" from the Insurance Institute for Highway Safety (IIHS). Additionally, the Focus has received a five-star Overall Vehicle Score from the National Highway Traffic Safety Administration, the federal government's highest safety rating.
According to U.S. News and World Reports, the following Ford models scored at least a 9 or out of 10 for safety:
Safety ratings can vary based on whether your Ford model is equipped with optional safety features. Often, including these optional safety features can earn you discounts or lower rates on your policies.
According to a 2013 report by the Highway Loss Data Institute, Ford F-250 Trucks were the most popular vehicles among car thieves form 2010-2012. The claim frequency for the Ford F-250 was almost six times the average for all cars or trucks sold. Approximately 7 out of every 1,000 Ford F-250s were stolen during the time period and the average insurance claim per theft was $7,060 according the HLDI. The only other Ford vehicle that made the top 10 list was the Ford F-350.
The risk of your Ford being targeted by car thieves varies based on the year and the model of your car, but you can take certain measures to prevent car theft. Car insurers look favorably on cars equipped with state-of-the-art anti-theft systems and will usually offer lower car insurance rates or discount for owners who include them. Ford improves its anti-theft features each year so the newer your car is, the more likely it is that it has the most advanced security features.
Car insurance rates vary by the model and value of the car you insure, as well as by factors, such as your age, driving history and how many miles you drive each year.
Below are some estimated ranges for annual premiums for some of the most popular Ford models. These estimates are based on a 40-year-old man who drives 12 miles to work each day. The liability policy limits are $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $50,000 for property damage per accident. The policy also includes collision and comprehensive coverage with a $500 deductible, as well as uninsured and underinsured motorist coverage:
These premiums average include costs to insure all vehicles from base models to fully equipped models. Of course, insurance rates can very significantly from person to person and state to state.
Ford began producing the Focus in 1998 and in 2012, it was ranked the world's best-selling car. More than one million units were sold across the globe, 250,000 of which were sold right here in the United States. The cost to purchase a new Focus ranges from $16,200 to $24,200 based on the optional features you choose.
The Focus received the highest-possible safety rating by the IIHS which has a positive influence on insurance rates. Unfortunately, it also made the list of the top 25 most stolen vehicles in the U.S.. Mainly, car thieves targeted this vehicle because of its Sync system. While the risk of car theft can cause your insurance rates to go up, the current Focus does come equipped with the latest ant-theft devices.
The average yearly car insurance premium for the Focus ranges from $1300 to $1375 assuming full coverage for a 40 year old man. To find out how much a policy will cost you, you will need to requestion insurance quotes for policies tailored to your specific details.
Ford F-150 is one of the best-selling pick-up trucks in the United States. Depending on the options you want, you can purchase an F-150 anywhere from $24,000 to $53,300.
This pick-up truck has been rated "good" for overall safety by the IIHS, the best possible rating. This helps keep insurance rates low. Unfortunately, the F-150 is also on the list of the top 25 most-stolen cars. Thefts are made primarily so the vehicles can be stripped for repair parts. This high theft-rate can raise the cost of your insurance premium, but by equipping your vehicle with the most current anti-theft devices, you can offset that increase.
The average car insurance premium costs $1330 to $1370 based on full coverage for a 40 year-old-man. Your rates may be significantly higher or lower depending on your personal details.
Crossover SUVs are growing in popularity in the United States and the Ford Flex is one of the better selling. The cost of a new Flex runs anywhere from $30,000 to $44,000 according to the options you add to the base model.
The 2013 Ford Flex received IIHS's highest rating for its overall safety. Furthermore, the Flex is not highly ranked as a theft risk. The two facts together help to keep insurance rates low despite the vehicle's higher cost.
The average annual premium costs to insure a 40-year-old male with full coverage range from $1330 to $1425.
Whether you drive, a compact Ford Focus car, a utilitarian Ford F-150 pick-up truck, a Ford Flex crossover-SUV or any of the other Ford vehicles, you can easily find the car insurance you need with the help of an independent insurance agent in the Trusted Choice network.
These agents are available to help you determine your coverage needs and answer your coverage-related questions. They can provide you with a variety of policies and quotes from different insurance companies to make comparison shopping easy. Contact a local member agent today to learn more about Ford insurance.