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I have a 2001 ZX3 Hunter Green with every option
but auto and traction control. I paid $15,000 exactly
(plus dealer fee) and I think list was closer to 16,500
and I also got 0% loan for 60 months so my payment is
$255. <br><br>As far as insurance goes I found that
Progressive was lowest amoung all the ones you could get
online quotes for. According to Edmunds.com the Focus is
one of the least expensive cars to insure. I would
say get AT LEAST 50,000 per person and 150,000 per
incident for your insurance, and 100,000/300,000 would be
even better. If you don't have enough insurance and
God forbid you get into an accident and they can
prove it's your fault you can be SCREWED for the next
20 years getting a wage garnishment on your
paycheck. (I'm an accountant and I've seen this happen
first hand). Saving $20 a month is not worth it if you
are only carrying the bare minimun in your state.
Also be sure to get uninsured motorist coverage
especially if there are a lot of uninsured people where you
live or illegal aliens. (I know that sounds bad but I
live near DC but according to AAA every 6th driver on
the road here has no insurance) A good way to save
money on insurance is to get a high deductible on your
collision and comprehensive (mine is $1000). This would
mean if you got into an accident and it was your
fault, or if a car fell on your car, you would pay the
first $1000 yourself but you can save a
lot.<br><br>Sorry for the long answer!<br><br>Ben
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