How Much Does 2014 Ford Focus ST Insurance Cost?

Looking for better car insurance rates for your Ford Focus ST? Finding better insurance prices for your Ford Focus ST could be an all-consuming task, but you can learn our car insurance buying tips and make it easy.

There are both good and bad ways to shop for car insurance and we’ll show you the proper way to get price quotes for your Ford and find the best price possible either online or from local insurance agents.

You need to get comparison quotes before your policy renews because rates change regularly. If you had the best deal on Focus ST insurance last year you can probably find a lower rate today. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to how to quote online to reduce your cost while improving coverage.

Locating affordable coverage is simple if you know the tricks. If you have insurance now or need new coverage, you can use this information to find the best rates while maximizing coverage. Vehicle owners just need to learn the proper way to shop their coverage around over the internet.

Lower your car insurance rates with discounts

Insurance can cost an arm and a leg, but discounts can save money and there are some available to help offset the cost. A few discounts will automatically apply at the time of purchase, but less common discounts must be specially asked for before you get the savings. If you check and find you aren’t receiving every discount possible, you could be paying more than you need to.

  • Home Ownership Discount – Owning a house can help you save on car insurance since owning and maintaining a home is proof that your finances are in order.
  • E-sign Discounts – Some car insurance companies will give you a small discount shop insurance over the internet.
  • Discount for Passive Restraints – Factory air bags or motorized seat belts may get savings up to 30%.
  • Discount for New Cars – Putting insurance coverage on a new car can save you some money due to better safety requirements for newer vehicles.
  • Driver Education Discount – Make teen driver coverage more affordable by requiring them to sucessfully take a drivers education course if it’s offered in school.
  • Good Students Pay Less – Being a good student can be rewarded with saving of up to 25%. The good student discount can last until age 25.
  • Claim Free – Drivers who stay claim-free pay much less when compared to insureds who have frequent claims or accidents.

It’s important to understand that most discount credits are not given to your bottom line cost. Most cut the cost of specific coverages such as comp or med pay. So even though it sounds like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

To find providers who offer cheap car insurance quotes, follow this link.

Ford Focus ST insurance price factors

Lots of factors are part of the calculation when pricing auto insurance. A few of the factors are predictable such as your driving record, but others are less apparent such as whether you are married or your commute time.

The factors shown below are some of the things used by companies to determine prices.

  • Do you really need to file that policy claims? – Car insurance companies generally give the best rates to insureds that do not abuse their auto insurance. If you file a lot of claims you can pretty much guarantee much higher rates or policy non-renewal. Auto insurance is meant to be used in the event of major claims that would cause financial hardship.
  • Gender impacts premiums – Statistics demonstrate women tend to be less risk to insure than men. The data does not necessarily mean that males are worse at driving than females. Males and females cause auto accidents in similar percentages, but the male of the species have costlier accidents. In addition to higher claims, males also get higher numbers of serious violations such as DWI and reckless driving. Male teenagers tend to get in the most accidents and are penalized with high insurance rates.
  • Limits of liability coverage – Your policy’s liability coverage is the protection if ever a court rules you are at fault for causing personal injury or damage in an accident. It provides legal defense coverage up to the limits shown on your policy. Liability is cheap when compared with rates for comp and collision, so drivers should carry high limits.
  • Prices impacted by your city – Having an address in smaller towns and rural areas of the country has it’s advantages when buying insurance. Lower population means a lower chance of having an accident and a lower car theft rate. People who live in big cities have more traffic problems and much longer commute distances. Longer commute distances means more chance of being in an accident.
  • Proper usage rating affects costs – Driving more miles every year the more it will cost to insure it. Many insurance companies charge rates based upon how much you drive. Autos that sit idle most of the time can be on a lower rate level than those that get driven frequently. Double check that your vehicle rating states annual mileage, because it can save money. Having an incorrect usage rating on your Focus ST may be costing you higher rates.
  • Bad drivers pay high costs – A bad driving record has a big impact on rates. Having a single ticket may increase your cost forty percent or more. Attentive drivers pay less for auto insurance compared to drivers with tickets. Drivers who have gotten severe violations such as DUI or willful reckless driving may find that they have to to file a proof of financial responsibility form (SR-22) with their state in order to legally drive.
  • Multi-policy discounts can save money – Lots of insurers will award a discount for people who carry more than one policy in the form of a multi-policy discount. Discounts can amount to anywhere from five to ten percent in most cases. Even though this discount sounds good, it’s always a smart idea to shop around to verify if the discount is saving money. You may still save even more than the discount by insuring with multiple companies.
  • Remove unneeded extra policy coverages – There are many add-on coverages that sound like a good idea at the time if you aren’t diligent. Things like rental car coverage, accident forgiveness, and term life insurance may not be needed and are just wasting money. The coverages may be enticing at first, but your money might be better spent on other coverage so remove them and pocket the money.

You are unique and your auto insurance should be too

When it comes to buying adequate coverage for your personal vehicles, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs.

For example, these questions might point out whether or not you could use an agent’s help.

  • Am I covered if I crash into my own garage door?
  • Does insurance cover tools stolen from my truck?
  • What is covered by UM/UIM coverage?
  • What can I do if my company won’t pay a claim?
  • Should I buy more coverage than the required minimum liability coverage?
  • Is my nanny covered when driving my vehicle?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and you can get the answers you need.

Learn about car insurance coverages for a 2014 Ford Focus ST

Understanding the coverages of a car insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Car insurance terms can be ambiguous and nobody wants to actually read their policy.

Liability car insurance

This coverage will cover damage or injury you incur to other’s property or people that is your fault. It protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Another option is one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things like pain and suffering, legal defense fees, bail bonds and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Normally the UM/UIM limits do not exceed the liability coverage limits.

Collision coverage protection

This covers damage to your Focus ST from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like crashing into a building, colliding with another moving vehicle, rolling your car and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible to bring the cost down.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for immediate expenses for hospital visits, prosthetic devices, nursing services and doctor visits. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Comprehensive car insurance

This coverage will pay to fix 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 like a broken windshield, theft, damage from a tornado or hurricane and damage from getting keyed. The highest amount your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

More choices the merrier

Throughout this article, we presented a lot of information how to shop for 2014 Ford Focus ST insurance online. The most important thing to understand is the more times you quote, the better your chances of lowering your prices. You may even discover the best premium rates are with an unexpected company.

As you shop your coverage around, it’s a bad idea to reduce coverage to reduce premium. Too many times, an insured dropped liability limits or collision coverage and found out when filing a claim that the savings was not a smart move. Your goal should be to find the BEST coverage at a price you can afford, but do not sacrifice coverage to save money.

A few companies do not offer online price quotes and usually these small insurance companies provide coverage only through independent insurance agents. Affordable 2014 Ford Focus ST insurance is available on the web as well as from independent agents, so you need to compare both to get a complete price analysis.

Additional insurance coverage information can be read at these links: