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.
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.
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.
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.
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.
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.
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.
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.
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: