2012 Ford Fiesta Car Insurance Cost – 9 Savings Tips

Finding budget auto insurance on the web might appear impossible for people that are relatively new to comparing and buying auto insurance online. With so many options of companies, how can anyone have time to compare every one to find cheaper auto insurance rates?

It’s a good idea to quote other rates before your next renewal because prices are constantly changing. Just because you had the lowest price on Fiesta coverage a couple years back you will most likely find a better rate today. There is a lot of wrong information about auto insurance out there, but we’re going to give you some guaranteed methods to slash your auto insurance rates.

This information will tell you the best way to quote coverages and some money-saving tips. If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using these tips. Although consumers can benefit by having an understanding of the way companies determine prices and take advantage of how the system works.

How to compare auto insurance quotes

There are several ways to compare auto insurance quotes, but there is one way that is less labor-intensive and much quicker. You can waste a lot of time talking to insurance agencies in your area, or you can stay home and use online quotes to quickly compare rates.

All the larger companies enroll in a system where insurance shoppers complete one form, and each company can give them a price. This eliminates the need for form submissions to each individual auto insurance company.

To fill out one form to compare multiple rates now click here to start a free quote.

The only drawback to getting quotes like this is you cannot specify which companies to receive prices from. So if you prefer to pick individual companies to receive pricing from, we have a listing of auto insurance companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but double check that you are using identical coverage limits with each company. If the quotes have different data you will not be able to determine the best price for your Ford Fiesta. Even a minor difference in limits can mean a large discrepancy in price. And when price shopping your coverage, making a lot of price comparisons gives you a better chance of getting more affordable insurance.

Do you qualify for discount insurance coverage?

The price of auto insurance can be rather high, but you might be missing out on some discounts that you may not even be aware of. Many discounts should be triggered at the time of purchase, but some discounts are required to be specifically requested before you will receive the discount.

  • Smart Student Discounts – Being a good student may save you up to 25%. The good student discount can last up until you turn 25.
  • Multiple Vehicles – Buying a policy with multiple cars with one company can reduce the rates for all insured vehicles.
  • Drivers Education – Require your teen driver to complete a driver education course as it will make them better drivers and lower rates.
  • Onboard Data Collection – Drivers who agree to allow their insurance company to scrutinize their driving habits remotely such as Snapshot from Progressive or Drivewise from Allstate may see discounts as long as the data is positive.
  • Multi-policy Discount – If you can combine your auto and homeowners policy with one company you could get a discount of 10% to 20% off each policy.
  • Passenger Safety Discount – Cars that have air bags can qualify for discounts of 25 to 30%.
  • Memberships – Having an affiliation with a professional or civic organization could trigger savings on your policy.
  • Mature Driver Discount – If you’re over the age of 55, you are able to get lower premium rates on Fiesta coverage.
  • Pay Upfront and Save – By paying your policy upfront rather than paying in monthly installments you can actually save on your bill.

Discounts lower rates, but some of the credits will not apply to the entire cost. Most cut specific coverage prices like collision or personal injury protection. So even though they make it sound like you could get a free insurance coverage policy, it’s just not the way it works.

If you would like to choose from a list of insurers with discount insurance coverage rates, click here.

What insurance coverages do I need?

When it comes to buying the right insurance coverage, there really is not a “best” method to buy coverage. Every situation is different.

Here are some questions about coverages that may help you determine if you may require specific advice.

  • Why am I required to get a high-risk car insurance policy?
  • When does my teenage driver need to be added to my policy?
  • Exactly who is provided coverage by my policy?
  • When should I not file a claim?
  • Do I really need UM/UIM coverage?
  • Should I put collision coverage on all my vehicles?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form.

Auto insurance coverages and their meanings

Knowing the specifics of your policy helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive insurance

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from flooding, a broken windshield, vandalism and damage from getting keyed. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for short-term medical expenses for things like chiropractic care, EMT expenses and funeral costs. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Liability

Liability coverage can cover damage that occurs to other’s property or people by causing an accident. It protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, 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 limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things like pain and suffering, structural damage, repair bills for other people’s vehicles and medical services. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision protection

This will pay to fix damage to your Fiesta resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like colliding with a tree, driving through your garage door and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection when the “other guys” do not carry enough liability coverage. This coverage pays for injuries to you and your family and also any damage incurred to your Ford Fiesta.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Compare but don’t skimp

There are still a few companies who do not provide the ability to get quotes online and these smaller companies sell through independent insurance agents. Cheaper insurance coverage is possible both online and from local insurance agents, and you need to price shop both to have the best selection.

You just read quite a bit of information on how to compare 2012 Ford Fiesta insurance prices online. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. Drivers may discover the best prices are with an unexpected company.

Drivers who switch companies do it for a variety of reasons including high rates after DUI convictions, denial of a claim, policy cancellation or policy non-renewal. Regardless of your reason, switching insurance coverage companies can be easier than you think.

Additional insurance coverage information can be found below: