2014 Ford Fiesta Car Insurance Rates

Trying to find better car insurance rates for your Ford Fiesta? Expensive car insurance can take a big chunk out of your savings account, especially in this economy. Doing a price comparison is a smart way to reduce premiums and put more money in your pocket. You have multiple insurers to buy insurance from, and though it is a good thing to have a selection, it can be more challenging to compare company pricing.

Finding the best rates is not that difficult. If you have a policy now or are looking for a new policy, you can use these tips to get lower rates while maintaining coverages. Drivers just need to know the proper methods to compare company rates online.

Factors that can influence insurance rates for a Ford Fiesta

An important part of buying insurance is that you know the rating factors that help determine your insurance rates. Having a good understanding of what determines base rates empowers consumers to make smart changes that will entitle you to lower insurance prices.

  • Do you work long hours in a high stress job? – Occupations such as doctors, executives and financial analysts have higher average rates due to job stress and lengthy work days. Conversely, occupations like farmers, engineers and retirees get better rates on Fiesta coverage.
  • Do you need the policy add-ons? – There are a ton of extra coverages you can purchase on your insurance policy. Coverages for roadside assistance, better glass coverage and additional equipment coverage are examples of these. They may seem like a good idea when talking to your agent, but now you might not need them so eliminate them to save money.
  • Your age impacts your rates – Older drivers are viewed as being more responsible, statistically cause fewer accidents and receive fewer citations. Teenage drivers are statistically proven to be more careless behind the wheel therefore insurance rates are much higher.
  • Where you reside plays a part – Living in small towns and rural areas is a positive aspect when buying insurance. Fewer drivers means a lower chance of having an accident as well as less vandalism and auto theft. Urban drivers tend to have more traffic problems and a longer drive to work. Longer commute distances means higher likelihood of an accident.

Vehicle Insurance Comparison

Effectively comparing car insurance prices can be a lot of work if you don’t know the best way to get rate quotes. You can waste a few hours (or days) talking about coverages with insurance agencies in your area, or you could save time and use the web to quickly compare rates.

Many of the larger companies belong to an insurance system where insurance shoppers submit one quote, and every company then gives them pricing based on that information. This system prevents you from having to do quotation requests to each company.

To participate in this free quote system, click here to start a free quote.

The only drawback to comparing rates this way is you cannot specify the insurers you will receive quotes from. If you wish to select individual companies to compare prices, we have assembled a list of car insurance companies in your area. View list of insurance companies.

Which method you use is up to you, but be sure to compare exactly the same deductibles and coverage limits for each comparison quote. If you have different liability limits then you won’t be able to determine the best price for your Ford Fiesta.

Misconceptions in insurance advertisements

Consumers constantly see and hear ads that promise big savings by companies like State Farm and Allstate. They all say the same thing that you can save if you change to them.

But how can every company make the same claim?

Insurance companies are able to cherry pick for the type of customer that makes them money. For example, a preferred risk could possibly be between the ages of 30 and 50, is a homeowner, and has a high credit rating. A propective insured who matches those parameters receives the best rates and as a result will probably save a lot of money.

Consumers who don’t meet the requirements will be quoted higher rates which leads to business going elsewhere. Company advertisements say “people who switch” but not “drivers who get quotes” save that much money. That is how insurance companies can confidently advertise the savings. This emphasizes why it’s extremely important to compare as many rates as you can. Because you never know which insurance company will fit your personal profile best.

Cut your auto insurance rates with discounts

Companies that sell car insurance don’t necessarily list every discount very well, so here is a list both well-publicized and the more hidden discounts you could be receiving. If you don’t get every credit available, you’re paying more than you need to.

  • Use Seat Belts – Drivers who require all occupants to use a seat belt can save 10% or more on the medical payments or PIP coverage costs.
  • Air Bag Discount – Vehicles with factory air bags or automatic seat belts can qualify for discounts up to 30%.
  • Resident Student – Children who live away from home and do not have access to a covered vehicle can receive lower rates.
  • New Vehicle Savings – Insuring a new car can save up to 30% compared to insuring an older model.
  • Service Members Pay Less – Having a family member in the military could mean lower rates.
  • Claim Free – Drivers with accident-free driving histories can earn big discounts as compared to bad drivers.

It’s important to understand that most discount credits are not given to the entire cost. Most only cut specific coverage prices like liability and collision coverage. So when it seems like you could get a free auto insurance policy, you’re out of luck.

Insurance companies who might offer these benefits may include but are not limited to:

It’s a good idea to ask all companies you are considering how you can save money. Discounts might not apply in every state.

You are unique and your car insurance should be too

When it comes to buying the right insurance coverage for your vehicles, there isn’t really a one size fits all plan. Every insured’s situation is different so your insurance should reflect that These are some specific questions could help you determine if you would benefit from an agent’s advice.

  • How can I force my company to pay a claim?
  • Is upholstery damage covered by car insurance?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Do I have newly-aquired coverage?
  • What discounts do I qualify for?
  • How many claims can I have before being cancelled?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.

Auto insurance coverage basics

Understanding the coverages of your policy can be of help when determining the right coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Listed below are the normal coverages offered by auto insurance companies.

Liability – Liability insurance provides protection from damage or injury you incur to people or other property by causing an accident. It protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability can pay for claims like pain and suffering, attorney fees, medical services and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

Collision – This covers damage to your Fiesta caused by collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like damaging your car on a curb, backing into a parked car and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.

Coverage for medical payments – Med pay and PIP coverage pay for immediate expenses for funeral costs, hospital visits and dental work. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive coverages – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as damage from flooding, hitting a bird, hail damage and a tree branch falling on your vehicle. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured and underinsured coverage – This provides protection from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Ford Fiesta.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Knowledge is power

You just read many ideas to lower your 2014 Ford Fiesta insurance rates. It’s most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. Drivers may discover the best price on insurance is with some of the lesser-known companies. Some small companies can often insure niche markets at a lower cost than their larger competitors like State Farm or Progressive.

As you go through the steps to switch your coverage, do not reduce coverage to reduce premium. In many instances, someone dropped uninsured motorist or liability limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to get the best coverage possible for the lowest price, not the least amount of coverage.

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