Compare 2015 Ford Focus ST Insurance Quotes

Want better car insurance rates for your Ford Focus ST? Trying to find better insurance prices for a Ford Focus ST can turn out to be an all-consuming task, but you can learn our car insurance buying tips to make it easier. There are both good and bad ways to shop for car insurance and you need to know the proper way to get price quotes for your Ford and get the lowest price either online or from local insurance agents.

It’s a good idea to get comparison quotes yearly since rates are constantly changing. Even if you got the best price on Focus ST coverage on your last policy you will most likely find a better rate today. Block out anything you think you know about car insurance because you’re about to learn the best methods to find the best coverage while lowering your premiums.

Discounts are basically free money

Car insurance companies do not advertise all available discounts very well, so we researched both the well known and the more hidden ways to save on car insurance. If you don’t get every credit possible, you are throwing money away.

  • Low Mileage – Low mileage vehicles could be rewarded with lower rates on the low mileage vehicles.
  • Discount for Good Grades – Performing well in school can save 20 to 25%. The discount lasts up to age 25.
  • Discount for New Cars – Insuring a new car is cheaper since new cars are generally safer.
  • Auto/Life Discount – Larger companies have better rates if you take out life insurance from them.
  • Drive Safe and Save – Drivers who avoid accidents can get discounts for up to 45% lower rates on Focus ST coverage than drivers with accident claims.
  • Defensive Driving Course – Completing a driver safety course could save 5% or more if you qualify.
  • Paperwork-free – A handful of insurance companies will give a small break for buying a policy and signing up online.
  • Military Rewards – Being on active duty in the military could be rewarded with lower premiums.

Drivers should understand that many deductions do not apply the the whole policy. Some only apply to the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears you would end up receiving a 100% discount, you won’t be that lucky.

A partial list of companies that possibly offer some of the above discounts include:

Double check with all companies you are considering how you can save money. Savings may not be available in your area.

How to Buy Insurance Coverage Online

Most companies like State Farm, GEICO and Progressive quote coverage prices on the web. This process is pretty painless as you simply type in your personal and coverage information into the quote form. When the form is submitted, their system obtains reports for credit and driving violations and provides a quote.

Being able to quote online streamlines rate comparisons, but the time required to go to several different sites and type in the same information is monotonous and tiresome. But it’s very important to get many rate quotes in order to get the best price on insurance coverage.

There is a better way!

An easier way to compare insurance coverage pricing uses one simple form to obtain quotes from many companies. This type of form saves time, eliminates form submissions, and makes quoting online much more enjoyable and efficient. As soon as you send your information, it gets priced and you are able to buy any or none of the pricing results. If a lower price is quoted, you simply finish the application and purchase the new policy. This process takes 15 minutes at the most and may save quite a bit of money.

To find out if lower rates are available, click here to open in a new tab and enter your vehicle and coverage information. To compare your current rates, we recommend you type in the coverage information identical to your current policy. Doing this assures you are getting comparison quotes based on similar coverages.

Ford Focus ST insurance rates are influenced by…

Consumers need to have an understanding of some of the elements that help determine your auto insurance rates. Understanding what determines base rates allows you to make educated decisions that could result in lower auto insurance prices.

  • Lower rates with optional equipment – Choosing a vehicle with a theft deterrent system can help lower your rates. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart auto theft.
  • How many coverages with the same company – Most insurance companies will give a discount to customers who have multiple policies with them in the form of a multi-policy discount. Even though this discount sounds good, it’s in your best interest to comparison shop to ensure the best deal. You may still be able to find better rates by buying insurance from more than one company.
  • Pay less if you’re married – Getting married can actually save you money on your auto insurance policy. It usually means you are more mature and responsible and it’s statistically proven that being married results in fewer claims.
  • Better credit means lower rates – A driver’s credit score is a huge factor in determining your rates. Drivers who have high credit scores tend to be better drivers and file fewer claims as compared to drivers with poor credit. So if your credit history is low, you could save money insuring your 2015 Ford Focus ST by improving your credit score.
  • Your location affects your rates – Choosing to live in a rural area has it’s advantages when talking about auto insurance. Fewer people means a lower chance of having an accident and a lower car theft rate. Drivers in populated areas have congested traffic and much longer commute distances. More time commuting means more change of being in an accident.
  • Don’t skimp on liability – Liability insurance provides coverage when a jury decides you are liable for personal injury or accident damage. Liability provides you with a defense in court which can cost thousands of dollars. Liability insurance is quite affordable compared to physical damage coverage, so drivers should carry high limits.

Which insurance is the “right” coverage?

When it comes to buying coverage, there really is not a best way to insure your cars. Everyone’s needs are different.

Here are some questions about coverages that may help you determine if your insurance needs would benefit from an agent’s advice.

  • Do I need to file an SR-22 for a DUI in my state?
  • How many claims can I have before being cancelled?
  • Which companies will insure high-risk drivers?
  • Am I covered if I crash into my own garage door?
  • Should I sign the liability waiver when renting a car?
  • Can my babysitter drive my car?
  • Is my dog or cat covered if injured in an accident?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form. It’s fast, free and you can get the answers you need.

Learn about insurance coverages for a Ford Focus ST

Learning about specific coverages of insurance can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Collision coverages – Collision coverage will pay to fix damage to your Focus ST resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like colliding with a tree, damaging your car on a curb, colliding with another moving vehicle, sideswiping another vehicle and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like pain medications, doctor visits and X-ray expenses. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Ford Focus ST.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability car insurance – Liability coverage can cover injuries or damage you cause to other people or property in an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims such as bail bonds, medical expenses, pain and suffering and emergency aid. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive auto coverage – This pays for damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as theft, damage from flooding, damage from getting keyed and falling objects. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Get your money’s worth

As you restructure your insurance plan, it’s very important that you do not buy less coverage just to save a little money. In many instances, someone sacrificed full coverage and found out when filing a claim that the small savings ended up costing them much more. Your aim should be to find the BEST coverage for the lowest price, not the least amount of coverage.

You just read many tips how you can save on 2015 Ford Focus ST insurance. The key thing to remember is the more providers you compare, the higher the chance of saving money. Consumers may even find the lowest rates come from some of the smallest insurance companies.

The cheapest insurance is available on the web as well as from independent agents, so compare prices from both to have the best rate selection. Some companies don’t offer you the ability to get quotes online and these small, regional companies work with independent agents.

For more information, take a look at the resources below: