2016 Ford Focus RS Car Insurance Rates

No normal person gets a kick out of paying for auto insurance, especially when it costs too dang much. Consumers have multiple insurers to pick from, and although it’s nice to have a choice, it can be more challenging to find the best rates for your vehicles.

Slash your car insurance rates with discounts

Car insurance is expensive, but discounts can save money and there are some available that you may not even be aware of. Some of these disounts will be visible at the time of purchase, but less common discounts must be asked about prior to getting the savings.

  • Seat Belt Usage – Drivers who require all occupants to fasten their seat belts can save a little on the medical payments or PIP coverage costs.
  • Switch and Save Discount – Some insurance companies reward drivers for buying a new policy prior to the expiration date on your current policy. You can save around 10% with this discount.
  • Driver Safety – Participating in a course that instructs on driving safety could save 5% or more and easily pay for the cost of the class.
  • Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if offered at their school.
  • Telematics Data – Drivers that enable driving data submission to study their driving habits through the use of a telematics system such as State Farm’s In-Drive might get better premium rates if they exhibit good driving behavior.
  • Claim Free – Claim-free drivers are rewarded with significantly better rates on auto insurance quote as compared to frequent claim filers.

Please keep in mind that some of the credits will not apply to all coverage premiums. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though you would think you could get a free car insurance policy, companies don’t profit that way. But all discounts will bring down the premium cost.

A few of the larger companies and a summarized list of policyholder discounts can be read below.

  • American Family may include discounts for accident-free, early bird, multi-vehicle, defensive driver, and good driver.
  • Nationwide offers discounts for accident-free, business or organization, Farm Bureau membership, easy pay, anti-theft, and defensive driving.
  • MetLife may offer discounts for defensive driver, accident-free, good driver, claim-free, multi-policy, and good student.
  • 21st Century has savings for anti-lock brakes, driver training, good student, defensive driver, and teen driver.
  • Farmers Insurance has discounts for good student, bundle discounts, alternative fuel, youthful driver, and early shopping.
  • Allstate may have discounts that include 55 and retired, farm vehicle, teenSMART discount, multi-policy, senior citizen, utility vehicle, and good payer.

If you want affordable auto insurance quotes, ask each company to apply every possible discount. Savings may not apply to policyholders in your area. To view providers that offer multiple discounts, click this link.

How much does insurance cost?

Performing a rate comparison can take time and effort if you aren’t aware of the most efficient way to do it. You could waste time talking about coverages with insurance companies in your area, or you can utilize the web to accomplish the same thing much quicker.

Most car insurance companies enroll in a system where prospective buyers enter their coverage request one time, and each participating company then gives them pricing determined by their information. This system prevents you from having to do form submissions for every insurance company.

To find out how much you can save on insurance click here (opens in new window).

The only drawback to using this type of form is that you can’t choose which insurance companies to receive prices from. So if you prefer to pick specific insurance companies for rate comparison, we have assembled a list of insurance companies in your area. Click to view list.

Whichever method you choose, try to use apples-to-apples coverage information for each price quote. If you compare unequal deductibles or liability limits then you won’t be able to make a fair comparison for your Ford Focus RS.

You are unique and your insurance coverage should be too

When choosing adequate coverage for your personal vehicles, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions may help you determine if your situation might need professional guidance.

  • Do I need PIP coverage since I have good health insurance?
  • Why am I required to buy high-risk coverage?
  • What are the best liability limits?
  • Is a blown tire covered by insurance?
  • What is UM/UIM insurance?
  • If I drive on a suspended license am I covered?
  • Is my ex-spouse still covered by my policy?
  • Do I have coverage when making deliveries for my home business?
  • Do I need motorclub coverage?
  • Is my custom paint covered by insurance?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance 101

Understanding the coverages of your policy aids in choosing the best coverages and proper limits and deductibles. Car insurance terms can be ambiguous and reading a policy is terribly boring. Below you’ll find the usual coverages available from car insurance companies.

Comprehensive or Other Than Collision – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as falling objects, a broken windshield, vandalism, hitting a bird and fire damage. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision coverages – This pays to fix your vehicle from damage from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like sustaining damage from a pot hole, sideswiping another vehicle and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Medical costs insurance – Coverage for medical payments and/or PIP reimburse you for bills for X-ray expenses, chiropractic care, rehabilitation expenses, hospital visits and dental work. They are used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Liability coverage – This coverage protects you from damage or injury you incur to other’s property or people in an accident. This coverage protects you from legal claims by others. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Another option is a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as medical expenses, court costs, medical services and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

UM/UIM Coverage – This coverage gives you 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 and damage to your Ford Focus RS.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Coverage on a shoestring budget

While you’re price shopping online, it’s not a good idea to sacrifice coverage to reduce premiums. In many instances, an accident victim reduced physical damage coverage and discovered at claim time that they should have had better coverage. Your focus should be to buy enough coverage for the lowest cost, but don’t skip important coverages to save money.

Some insurance providers may not provide online price quotes and usually these small, regional companies sell through independent insurance agents. Cheaper 2016 Ford Focus RS insurance can be sourced on the web and with local insurance agents, and you should compare rates from both so you have a total pricing picture.

In this article, we presented many tips how you can reduce 2016 Ford Focus RS insurance premium rates online. The most important thing to understand is the more times you quote, the higher the chance of saving money. You may even discover the best price on insurance is with a company that doesn’t do a lot of advertising. Regional companies may only write in your state and offer lower prices than the large multi-state companies such as Geico and State Farm.

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