Cheap 2014 Ford Focus ST Insurance Quotes

Trying to find cheaper insurance coverage rates for your Ford Focus ST? I can’t think of anyone who likes having to buy insurance coverage, particularly when the cost is way too high. Insurance companies such as State Farm, GEICO and Farmers Insurance persitently shower you with ads and consumers find it hard to see through the deception and find the best price available.

Fast and Easy Insurance Quotes

Getting a cheaper price on 2014 Ford Focus ST insurance is surprisingly easy. Just spend a little time to compare rate quotes provided by online insurance companies. This is very easy and can be done in just a few minutes using one of these methods.

The first (and easiest) way consumers can make multiple comparisons is to use a rate comparison form click here to open form in new window. This method prevents you from having to do separate quotes to each individual insurance company. One form will return quotes instantly.

A different way to get comparison quotes requires you to visit each individual company website and fill out their own quote form. For example, let’s assume you want rates from Auto-Owners, Farmers and Progressive. To get rate quotes you would need to go to every website and enter your policy data, which is why the first method is quicker.

For a list of links to insurance companies in your area, click here.

However you get your quotes, double check that you are using apples-to-apples coverage limits and deductibles for each comparison quote. If you have mixed coverages it will be next to impossible to determine the best price for your Ford Focus ST.

Factors that can influence Ford Focus ST insurance rates

It’s important that you understand some of the elements that come into play when calculating the price you pay for auto insurance. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that can help you get big savings.

  • Frequent auto insurance claims increase rates – If you file claims often, you can look forward to either policy cancellation or increased premiums. Car insurance companies award better rates to people who do not rely on their insurance for small claims. Your insurance policy is meant to be used in the event of larger claims.
  • Don’t get talked into coverage you don’t need – There are a ton of extra bells and whistles that you can buy if you aren’t careful. Coverages for personal injury protection, towing coverage and term life insurance are examples of these. These coverages may sound good when you first buy your policy, but if they’re wasting money eliminate them to save money.
  • Poor credit can mean higher rates – Your credit score is a large factor in your rate calculation. If your credit rating is lower than you’d like, you could potentially save money when insuring your 2014 Ford Focus ST by improving your rating. Drivers with excellent credit tend to file fewer claims and have better driving records as compared to drivers with poor credit.
  • Your occupation can affect rates – Did you know your auto insurance rates can be affected by your occupation? Careers like real estate brokers, social workers and dentists have the highest average rates attributed to high stress levels and lots of time spent at work. Other jobs such as pilots, historians and performers get better rates for Focus ST coverage.
  • Pleasure use or commuting – Driving more miles in a year’s time the more you will pay for auto insurance. Almost all companies apply a rate based on how the vehicle is used. Cars and trucks left parked in the garage get more affordable rates than vehicles that are driven to work every day. Improper usage on your Focus ST may be wasting your money. Make sure your auto insurance coverage is showing the proper vehicle usage.

Save with discounts on 2014 Ford Focus ST insurance

Car insurance companies do not advertise all available discounts very well, so we break down both the well known and the more hidden ways to save on insurance coverage. If you don’t get every credit available, you are paying more than you should be.

  • Save with a New Car – Adding a new car to your policy can be considerably cheaper since new cars are generally safer.
  • Paperwork-free – A handful of insurance companies will give a small break just for signing your application online.
  • Drivers Ed for Students – Require your teen driver to enroll in driver’s education if offered at their school.
  • Discount for Life Insurance – Select insurance companies reward you with better rates if you take out life insurance.
  • Homeowners Savings – Being a homeowner may trigger a insurance coverage policy discount because of the fact that having a home is proof that your finances are in order.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Ford can earn better rates on cars that stay parked.
  • Good Student Discount – Performing well in school can earn a discount of 20% or more. The discount lasts until age 25.
  • Seat Belts Save – Buckling up and requiring all passengers to wear their seat belts could cut 10% or more off the personal injury premium cost.
  • Military Discounts – Having a family member in the military can result in better rates.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. Most only reduce specific coverage prices like physical damage coverage or medical payments. So when the math indicates all those discounts means the company will pay you, companies don’t profit that way.

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

Check with each insurance company how you can save money. Savings might not be offered everywhere.

Tailor your coverage to you

When it comes to buying proper insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance should reflect that For example, these questions might point out whether or not you may require specific advice.

  • How much liability coverage do I need in my state?
  • Do I need replacement cost coverage on my 2014 Ford Focus ST?
  • Does my car insurance cover rental cars?
  • Can I afford low physical damage deductibles?
  • Am I covered if I break a side mirror?
  • Do I need more liability coverage?
  • What is PIP insurance?
  • Do I have coverage when using my vehicle for my home business?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • What if I owe more than I can insure my car for?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It only takes a few minutes and may give you better protection.

Car insurance policy specifics

Understanding the coverages of your policy aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring. Listed below are the normal coverages offered by car insurance companies.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills such as prosthetic devices, rehabilitation expenses, hospital visits and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants as well as being hit by a car walking across the street. PIP is only offered in select states but can be used in place of medical payments coverage

Auto liability

Liability insurance will cover damage or injury you incur to people or other property. This coverage protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage pays for claims like structural damage, bail bonds and loss of income. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like a broken windshield, theft, falling objects and damage from a tornado or hurricane. The maximum payout your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision protection

This coverage covers damage to your Focus ST caused by collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision can pay for things such as colliding with another moving vehicle, rolling your car and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to increase the deductible in order to get cheaper collision rates.

More choices the merrier

Cheaper 2014 Ford Focus ST insurance can be bought online and with local insurance agents, so you should compare both so you have a total pricing picture. Some auto insurance companies do not offer the ability to get a quote online and these regional insurance providers work with independent agents.

Throughout this article, we presented quite a bit of information on how to compare insurance prices online. The most important thing to understand is the more quotes you get, the better your chances of lowering your rates. You may be surprised to find that the best prices are with some of the smallest insurance companies. Regional companies often have lower prices on specific markets than their larger competitors like Allstate or State Farm.

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