2013 Ford Fiesta Insurance Quotes – 10 Policy Discounts

If you’re searching for lower-priced insurance online, are you intimidated by the dozens of car insurance companies in your area? Lot’s of other people are too. drivers have so many companies available that it can easily become a ton of work to lower your premium rates.

It’s a great practice to do rate comparisons before your policy renews because car insurance prices are rarely the same from one policy term to another. Even if you got the best price for Fiesta coverage a few years ago you can probably find a lower rate today. Forget all the misinformation about car insurance because we’re going to show you one of the easiest ways to find better rates and still maintain coverage.

First Step: Get free insurance coverage quotes

There are several ways to compare insurance coverage prices and some are less time-consuming than others. You can waste a few hours (or days) talking to insurance agencies in your area, or you could use the web to get pricing more quickly.

Most of the larger companies enroll in a system where prospective buyers enter their coverage request one time, and at least one company can give them a price based on that information. This prevents consumers from doing quote requests to each company.

To compare rates using this form now click here (opens in new window).

The only drawback to using this type of form is that you can’t choose the insurers to get quotes from. So if you prefer to choose from a list of companies to compare, we have a page of the cheapest insurance coverage companies in your area. Click here to view list.

Which method you use is up to you, but do your best to use the same information for each comparison quote. If you compare different liability limits it will be next to impossible to determine which rate is truly the best. Even a minor difference in insurance coverages or limits may result in a large different in cost. And when comparing insurance coverage rates, know that more quotes increases the change that you will find a lower rate than you’re paying now. Some smaller insurers to not give online price quotes, so you also need to get price quotes on coverage from those companies, too.

Find discounts on car insurance

Companies do not advertise their entire list of discounts in a way that’s easy to find, so the following list contains some of the more common as well as the least known discounts that you can inquire about if you buy auto insurance online.

  • Buy New and Save – Putting car insurance coverage on a new car can save you some money since newer vehicles have better safety ratings.
  • Defensive Driver Discount – Completing a course in defensive driving could save 5% or more depending on where you live.
  • Multi-policy Discount – If you combine your auto and homeowners policies and place coverage with the same company they may give you a discount of over 10 percent off each policy depending on the company.
  • Resident Student – Youth drivers who live away from home to go to college and won’t have access to an insured vehicle may be able to be covered for less.
  • Membership in Organizations – Belonging to a qualifying organization could earn you a nice discount on car insurance.
  • Sign Online – A few insurance companies will give a small break shop auto insurance on your computer.
  • Discount for Passive Restraints – Factory options such as air bags or motorized seat belts may get savings of up to 25% or more.
  • Active Service Discounts – Having an actively deployed family member could mean lower prices.
  • Theft Deterent System – Cars equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10% off your auto insurance quote.
  • Government Employees – Being employed by or retired from a federal job could provide a small rate reduction for Fiesta coverage depending on your company.

While discounts sound great, it’s important to understand that most discount credits are not given to your bottom line cost. Most only apply to specific coverage prices like comp or med pay. Just because you may think it’s possible to get free car insurance, it’s just not the way it works.

Car insurance companies that may offer policyholders most of the discounts above may include but are not limited to:

If you want low cost auto insurance quotes, ask each company or agent which discounts you may be entitled to. A few discounts might not be offered in your area. To choose companies that offer multiple discounts, click here to view.

Tailor your insurance coverage coverage to you

When it comes to choosing the right insurance coverage, there really is no perfect coverage plan. Every situation is different.

Here are some questions about coverages that could help you determine if your insurance needs might need professional guidance.

  • How high should my uninsured/underinsured coverage be in my state?
  • Does my 2013 Ford Fiesta need full coverage?
  • Should I drop comprehensive coverage on older vehicles?
  • Is my camper covered by my car insurance policy?
  • Am I covered if I wreck a rental car?
  • When should my teen driver be added to my policy?
  • Do I need an umbrella policy?
  • How can I get my company to pay me more for my totalled car?
  • Why am I required to buy liability insurance?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an agent. To find an agent in your area, complete this form.

Insurance coverages and their meanings

Having a good grasp of a insurance policy can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive insurance – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hail damage, vandalism, rock chips in glass and a tree branch falling on your vehicle. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision – Collision coverage covers damage to your Fiesta resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as hitting a mailbox, sideswiping another vehicle and backing into a parked car. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as damage to your Ford Fiesta.

Because many people have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually these limits are identical to your policy’s liability coverage.

Auto liability – Liability coverage protects you from damage that occurs to people or other property that is your fault. It protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 which stand for 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. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for things such as funeral expenses, attorney fees, court costs, repair bills for other people’s vehicles and medical services. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

Coverage for medical expenses – Coverage for medical payments and/or PIP kick in for short-term medical expenses for chiropractic care, doctor visits, prosthetic devices and ambulance fees. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Buy online or local, you save

Budget-friendly auto insurance is possible online as well as from insurance agents, and you should be comparing both in order to have the best chance of saving money. Some companies do not offer online price quotes and these regional insurance providers provide coverage only through independent agents.

We’ve covered a lot of information how to get a better price on 2013 Ford Fiesta insurance. The key concept to understand is the more times you quote, the better likelihood of getting inexpensive auto insurance. Drivers may discover the lowest rates come from a lesser-known regional company.

People who switch companies do it for many reasons like delays in responding to claim requests, denial of a claim, extreme rates for teen drivers or even being labeled a high risk driver. Whatever your reason, finding a new auto insurance company can be pretty painless.

More tips and info about auto insurance can be read in these articles: