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Ford Focus ST Insurance Rates

Buying auto insurance by quoting online is simple to do and there is a good chance you may find lower rates. The critical component is to compare rates from all providers in order to accurately compare the cheapest rate quotes.

Shopping online for auto insurance can be a challenge if you have never used online rate quotes. But relax because we're going to show you how. Finding lower Focus ST insurance cost is a fairly straight forward process. You just have to spend a little time to compare quotes online with multiple companies. This can be accomplished by getting a quick quote here.

FREE Car Insurance Comparison

Insurance premiums paid to insure a Ford Focus ST will vary greatly subject to many criteria. Some of these factors include:

  • Traffic citations increase rates
  • Your credit history
  • Your gender can raise or lower rates
  • The deductible you choose
  • Safety rating of your Focus ST
  • Whether or not you have claims
  • Having current coverage saves
  • Whether you own your home

One important consideration that helps determine your rates is the age of the vehicle. Models that are new cost more compared to older Ford models so the payout to repair will push premiums up. On the flip side, newer models have more advanced features like tire pressure monitors, sideview assist mirrors, lane departure warning system, and adaptive cruise control so those may help offset higher rates.

For you to have a better understanding of how rates are influenced for your specific model year, select the year of your vehicle below.

Liability coverages - Focus ST liability coverage protects you from damage that occurs to a person or their property in an accident. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so buy as much as you can afford.

Collision coverage - Collision insurance pays for damage to your Ford from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper Focus ST insurance rates.

Comprehensive coverages - This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay. The maximum amount you'll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. Since many drivers 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 very important.

Coverage for medical payments - Med pay and PIP coverage reimburse you for short-term medical expenses like nursing services, prosthetic devices, and dental work. They can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Personal injury protection coverage is not available in all states and may carry a deductible.

How Much are Ford Focus ST Insurance Rates?