Lower Your 2017 Ford Focus RS Insurance Quotes

Searching for the cheapest insurance rates for your Ford Focus RS? Are you drained from wondering where the money will come from to pay your insurance bill each month? You’re in the same situation as many other drivers. With consumers having so many insurance companies to choose from, it can be challenging to find a more affordable insurance provider.

It’s smart to shop coverage around occasionally because rates change frequently. Despite the fact that you may have had the best premium rates for Focus RS insurance at your last renewal there is a good chance you can find better prices now. There is a lot of bad advice regarding insurance on the web, but in a few minutes you can learn the best ways to buy insurance cheaper.

Insurance coverage companies offer many types of discounts

Some providers don’t always advertise every available discount very clearly, so the list below gives a summary of both well-publicized and the more hidden credits available to you. If you are not receiving all the discounts you qualify for, you could be getting lower rates.

  • Savings for New Vehicles – Insuring a vehicle that is new can be considerably cheaper compared to insuring an older model.
  • Discount for Swiching Early – Some larger companies give discounts for renewing your policy before your current expiration date. This discount can save up to 10%.
  • ABS Brakes – Cars, trucks, and SUVs with ABS and/or traction control can avoid accidents and the ABS can save up to 10%.
  • Full Payment Discount – If you can afford to pay the entire bill rather than paying in monthly installments you could save 5% or more.
  • 55 and Retired – Mature drivers can get a discount up to 10% for Focus RS insurance.
  • Seat Belt Usage – Drivers who require all vehicle occupants to fasten their seat belts can save up to 15% off PIP or medical payments premium.
  • Clubs and Organizations – Affiliation with qualifying employment or professional organizations could qualify you for a break on insurance coverage.

Consumers should know that most credits do not apply to the entire policy premium. Most only apply to specific coverage prices like collision or personal injury protection. So even though it sounds like all the discounts add up to a free policy, it just doesn’t work that way.

To choose providers that provide some of the discounts listed above, click here.

Learn how to quote auto insurance for less

Lots of things are considered when quoting car insurance. Some of the criteria are obvious such as your driving history, but some are more obscure such as your marital status or how financially stable you are.

The itemized list below are most of the major factors used by insurance companies to determine your rates.

  • Low credit rating equals high prices – An insured’s credit score is a large factor in your rate calculation. If your credit rating can use some improvement, you may save money insuring your 2017 Ford Focus RS if you improve your credit rating. People with good credit tend to be more responsible than those with bad credit.
  • Buy a safe car and pay less – Cars with five star safety ratings tend to have lower insurance rates. Vehicles built for safety help reduce the chance of injuries in an accident and fewer injuries means your insurance company pays less which can result in lower premiums. If your Ford Focus RS has at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
  • What are good liability insurance limits? – The liability coverage on your policy is the protection when you are found to be at fault for physical damage or personal injury to other. Liability insurance provides for a legal defense up to the limits shown on your policy. It is affordable coverage compared to physical damage coverage, so insureds should have plenty of protection for their assets.
  • Teenagers vs. mature drivers – Teen drivers are proven to be inattentive when driving with friends and because of this, their auto insurance rates are much higher. Older drivers are more responsible, tend to cause fewer accidents and are safer drivers.
  • Multiple policies with one company can save – Most larger companies give lower prices to people that purchase more than one policy. It’s known as a multi-policy discount. This can amount to anywhere from five to ten percent in most cases. Even if you qualify for this discount already, it’s always a smart idea to compare other insurance prices to ensure the best deal.
  • If you don’t need it don’t buy it – There are a ton of extra bells and whistles that can add up if you don’t pay attention. Coverages for vanishing deductibles, towing coverage, and motor club memberships may be costing you every month. They may seem good when you first buy your policy, but if you’ve never needed them in the past think about removing them and cutting costs.
  • Premiums for males may be higher – Over the last 30 years, statistics show females are less aggressive when driving. The data does not necessarily mean that women are better drivers. They both cause fender benders at about the same rate, but the men have accidents that have higher claims. They also receive more major tickets such as reckless driving. Youthful male drivers are several times more likely to be in an accident so they pay the highest premiums.
  • Deter car thieves – Purchasing a vehicle that has a built-in theft deterrent system can earn a premium discount. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder auto theft.

Do I just need basic coverages?

When buying the best insurance coverage coverage, there is no single plan that fits everyone. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that could help you determine whether or not you may require specific advice.

  • Why am I required to get a high-risk car insurance policy?
  • I have health insurance so do I need medical payments coverage?
  • Is my teenager covered with friends in the car?
  • Do I need an umbrella policy?
  • Should I buy only the required minimum liability coverage?
  • Is extra glass coverage worth it?
  • How high should my uninsured/underinsured coverage be in my state?
  • Does insurance cover tools stolen from my truck?
  • Should I have combined single limit or split liability limits?

If you can’t answer these questions, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Insurance coverage advertising gotchas

Drivers can’t escape the ads for cheaper insurance coverage from companies such as State Farm, Allstate and GEICO. They all seem to have a common claim about savings if you change to them.

How can each company say the same thing?

Different companies give the best rates for the right customer that earns them the most money. A good example of a preferred risk might be described as between the ages of 40 and 55, is a homeowner, and has excellent credit. Any new insured who fits those characteristics will get low rates and will also save if they switch.

Potential customers who don’t qualify for the requirements may be forced to pay more expensive rates and ends up with the customer not purchasing. The ad wording is “people who switch” not “everyone that quotes” save that much when switching. This is how companies can truthfully make it sound like they have such great rates.

Because every company is different, you should get a wide range of price quotes. It is impossible to guess which company will fit your personal profile best.

Insurance policy coverages for a 2017 Ford Focus RS

Knowing the specifics of a insurance policy aids in choosing which coverages you need for your vehicles. Insurance terms can be ambiguous and reading a policy is terribly boring. Listed below are typical coverage types available from insurance companies.

Liability insurance – This coverage provides protection from damages or injuries you inflict on other’s property or people that is your fault. It protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers things like attorney fees, emergency aid, loss of income and court costs. How much coverage you buy is a personal decision, but consider buying higher limits if possible.

Collision coverage – Collision coverage covers damage to your Focus RS resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as driving through your garage door, backing into a parked car, sideswiping another vehicle, crashing into a ditch and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage provides protection from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Ford Focus RS.

Due to the fact that 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. Usually the UM/UIM limits are similar to your liability insurance amounts.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like funeral costs, EMT expenses, pain medications, ambulance fees and nursing services. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Comprehensive auto coverage – This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, fire damage, damage from flooding and damage from getting keyed. The maximum amount your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

At the end of the day…

Lower-priced auto insurance can be bought both online and from local insurance agents, and you need to price shop both to get a complete price analysis. There are still a few companies who may not provide the ability to get quotes online and many times these regional carriers prefer to sell through independent insurance agents.

When shopping online for auto insurance, it’s a bad idea to buy poor coverage just to save money. In too many instances, someone dropped physical damage coverage only to regret they didn’t purchase enough coverage. Your aim should be to purchase a proper amount of coverage for the lowest cost.

Much more information about auto insurance is located on the following sites: