Ford Auto Insurance

Find out about discounts, safety ratings, and other important information which can save you money on car insurance.

Ford is one of the oldest and largest automobile manufacturers in the world today. It was founded in 1903 by Henry Ford, the famous inventor of the Model-T. For over one hundred years, the Ford Motor Company has been entirely owned by Henry Ford's descendents, making it somewhat of an oddity in today's world of business takeovers and partnerships. To this day, the Ford family remains a vibrant and important part of Detroit's history, both past and present.

Ford was one of the few automobile companies to survive the Great Depression during the 1930s in America. It still operates out of Detroit, Michigan, (North America's car manufacturing headquarters) and produces the following brands: Lincoln, Mercury, Volvo, and retains partial ownership of Aston Martin in the UK and Mazda in Japan. Due to the worldwide car industry crisis in 2008, Ford was forced to sell two of its more upscale brands, Jaguar and Land Rover, to the relatively unknown Tata Motors of India.

Ford has earned its place as a leader and innovator in the automotive industry by being at the cutting edge of many then unheard of ideas and business practices. It was the first company to use the assembly line in manufacturing and introduced mass production to the world. It was also the first to use mass management to oversee its workers. This new method of factory production was so popular that the term "Fordism" was used to describe having a strong work ethic and effective management style.

Based on sheer volume of car sales, Ford is the world's fourth largest producer of vehicles. The company enjoys huge success around the globe and has a strong presence in the highly competitive European market as the number two seller. Ford has long had a reputation for making high quality, high performance automobiles and has received more accolades and awards than any other car maker. This history of excellence has continuously kept Ford among the top ten companies listed on Forbes annual compilation of successful and profitable businesses.

Some of Ford's most popular models include coupes, sedans, hatchbacks, trucks and SUVs. Current production includes the Fiesta, the Focus, the Fusion, the Mustang, and the Taurus. Popular Crossovers and SUVs now available are the Escape, the Edge, the Explorer, the Flex, and the Expedition. Ford makes a number of trucks which are popular also, including the Ranger and the F-150. Ford also has a strong commitment to offering consumers the very latest in green technology and innovation and has several hybrid and electric vehicle (EV) models either on the market or soon to be introduced. The hybrids include the Fusion and Escape models and the EV model now available is the Transit Connect EV. Ford has three hybrid models which are scheduled to be introduced with the next year. They are the Focus Electric, the 2013 C-Max Hybrid, and the 2013 C-Max Energi.

Whenever you are looking for car insurance, it makes good sense to shop around and compare quotes from different companies. Most insurance companies use different information to calculate the cost of an annual premium. While the make and model of a vehicle does play a part in this determination, other factors are weighed such as your age, where you live, and your personal driving record. You can help to keep down the cost of your auto insurance by driving carefully, taking advantage of available discounts, and maintaining a good credit history/score.

Ford Theft Risks
Ford models account for about 19% of the top 100 cars stolen annually in the U.S. According to the National Insurance Crime Bureau, the models most at risk are the Mustang, Ranger, Explorer, Escort and the Taurus. If you own one of these vehicles, you should check with an insurance agent to find out if your insurance rates will be affected.

Crash Test Results for Ford
The Insurance Institute for Highway Safety named several Ford models to its list of Top Safety Picks of 2012. To be included, cars must receive a "good" rating in all categories of testing: high-speed front and side crash tests, a rollover test, and evaluations of seat/head restraints for protection against neck injuries in rear impact collisions. The Ford models which were named are:

  • Minicars: Ford Fiesta- sedan and hatchback
  • Small cars: Ford Focus- 4 door
  • Midsize cars: Ford Fusion
  • Large family cars: Ford Taurus
  • Midsize SUVs: Ford Edge, Ford Explorer, Ford Flex
  • Large pickups: Ford F-150 (crew cab models)

Car Insurance Estimates for Ford model cars
Car insurance rates can vary significantly depending on the make and model of your Ford car and also on your personal information. If you have a clean driving record and want to insure a midsized family car, the chances are good you will pay less for insurance than someone who is trying to insure a red Mustang and has several speeding tickets on his record. Insurance companies rely on statistical data and individual personal information to help them calculate insurance rates. The following quotes are strictly estimates and do not reflect what you might actually be charged for an annual premium. However, they can be used as a guideline when budgeting for insurance costs and other car-related expenses.

Most insurance coverage for Ford cars will run between $1000 and $1900 for an annual premium. Again, this will be determined using your specific information and what type of car or truck you are insuring. One of the most expensive models to insure is the Ford Shelby GT500. This is a high-performance sports car with a big engine. Cars such as this almost always carry the highest rates for insurance coverage. This is due to the fact that the chances are greater that this car will be driven at high speeds, will be driven recklessly, and will be involved in a crash than are other car models.

Insurance costs for the Ford F-series of trucks run from about $1200 to $1850. Taurus models average around $1260 while Explorers generally cost about $1180. A Ford Edge will normally run around $1330 for an annual policy. When writing up your coverage, remember to include any available discounts. These can help lower the price of your premium.