How Much Does 2015 Ford Focus ST Car Insurance Cost?

If you are new to online auto insurance, chances are good that you are overwhelmed by the vast number of insurers who claim to have the best auto insurance rates.

It’s a good habit to check auto insurance prices periodically because prices are adjusted regularly by insurance companies. Even if you think you had the best quotes on Focus ST insurance on your last policy there may be better deals available now. Forget anything you know (or think you know) about auto insurance because it’s time to teach you one of the easiest ways to lower your annual insurance bill.

Choices you make can impact your insurance premiums

Many things are part of the calculation when quoting car insurance. Some are obvious such as your driving history, but some are less apparent like your continuous coverage or how safe your car is.It’s important that you understand the different types of things that are used to determine the rates you pay for car insurance. If you understand what impacts premium levels, this allows you to make educated decisions that will entitle you to lower premium levels.

The itemized list below are some of the major factors used by your company to calculate your rates.

  • Obey driving laws and save – Only having one moving violation can boost insurance rates by twenty percent. Careful drivers pay lower auto insurance prices than bad drivers. Drivers who have gotten careless violations such as hit and run, DWI or reckless driving convictions might be required by their state to prove financial responsibility with their state’s department of motor vehicles in order to legally drive.
  • Pay lower premiums if you’re married – Having a significant other may earn you lower rates when buying car insurance. Having a significant other generally demonstrates drivers are more responsible and insurance companies reward insureds because drivers who are married are more cautious.
  • Buy as much liability insurance as you can afford – A critical coverage on your policy, liability insurance provides coverage when a jury decides you are liable for causing personal injury or damage in an accident. This coverage provides legal defense which can cost thousands of dollars. Liability insurance is quite affordable when compared with rates for comp and collision, so drivers should buy more than the minimum limits required by law.
  • Premiums are affected by your credit rating – Having a bad credit score factor in determining what you pay for car insurance. If your credit score could use some work, you could potentially save money when insuring your 2015 Ford Focus ST by taking the time to improve your credit score. People that have good credit tend to be more responsible and file fewer claims as compared to drivers with lower credit scores.
  • Do thieves like your car? – Purchasing a vehicle with a theft deterrent system can help lower your premiums. Advanced theft deterrents like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all hinder auto theft.
  • Driver age impacts prices – More experienced drivers are more cautious drivers, cost insurance companies less in claims , and are generally more financially stable.Beginning drivers are proven to be more careless when driving with friends so car insurance rates are higher.
  • Don’t cancel your policy without a new one in place – Not having insurance is a misdemeanor and any future policy may cost more because you let your insurance lapse. In addition to paying higher rates, being ticketed for driving with no insurance may result in a hefty fine and possibly a revoked license. You may then be required to file a SR-22 with your state motor vehicle department.

Compare insurance rates

All the larger insurance companies allow you to get price estimates on the web. Comparing prices online can be done by anyone as you simply enter your coverage information into the quote form. When complete, the system will order your credit score and driving record and quotes a price based on the information you submitted.

Quoting online makes it simple to compare prices but the work required to visit multiple sites and type in the same data is a big time waster. But it’s absolutely necessary to compare as many rates as possible if you want to find lower prices.

An easier way to compare rates uses just one form to get prices from several companies at one time. The form is fast, requires much less work on your part, and makes comparison shopping a little more enjoyable. As soon as the form is sent, it is quoted and you can choose any of the quote results.

If the quotes result in lower rates, it’s easy to complete the application and purchase the new policy. It takes less than 15 minutes and you will know how your current rates stack up.

In order to find out if lower rates are available, click here to open in new window and enter your information. If you currently have coverage, we recommend you type in the insurance coverages just like they are on your policy. Doing this assures you are getting an apples-to-apples comparison using the same coverage and limits.

Car insurance ads are enticing

Car insurance companies such as Progressive, Geico, Allstate and State Farm seem to constantly run ads on television and other media. They all seem to tend to make the same promise about how much you will save if you just switch your coverage. How is it plausible that every one can claim to save you money?

Most companies have specific criteria for the driver that will be a good risk. For example, a desirable insured might have to be a mature driver, has a clean driving record, and has a high credit rating. Someone who fits that profile will get the preferred prices and as a result will probably save some money.

Potential insureds who don’t qualify for this ideal profile may be forced to pay a higher rate which translates to the customer buying from a different company. Company advertisements say “drivers that switch” but not “everyone who gets a quote” save that much money. That’s the way companies can truthfully make claims like that.

Because of the profiling, drivers must do a rate comparison at every renewal. Because you never know the company that will have the best rates.

Don’t miss these discounts

Auto insurance companies don’t always publicize all disounts very clearly, so we took the time to find some of the best known in addition to some of the lesser obvious credits available to bring down your rates.

  • Policy Bundle Discount – If you combine your home and auto policies with the same company you may earn over 10 percent off each policy depending on the company.
  • Discount for Passive Restraints – Cars that have air bags or motorized seat belts could see savings up to 30%.
  • Student in College – who attend college more than 100 miles from home and do not have access to a covered vehicle may be able to be covered for less.
  • Smart Student Discounts – Getting good grades can be rewarded with saving of up to 25%. You can use this discount normally until age 25.
  • Discounts for Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates on Focus ST insurance compared to accident prone drivers.
  • Theft Deterent System – Vehicles with anti-theft systems help deter theft and therefore earn up to a 10% discount.

A little note about advertised discounts, most credits do not apply the the whole policy. Some only reduce specific coverage prices like collision or personal injury protection. Even though it appears it’s possible to get free car insurance, insurance companies aren’t that generous. Any qualifying discounts will reduce the amount you have to pay.

Insurance companies that may have these benefits are:

When getting free car insurance quotes, it’s a good idea to each company how many discounts you can get. A few discounts may not apply to policyholders in your area.

Special considerations

When buying adequate coverage, there really is no “perfect” insurance plan. Everyone’s situation is unique.

For instance, these questions might help in determining whether you might need an agent’s assistance.

  • Can my teen drive my company car?
  • Do I have coverage when using my vehicle for my home business?
  • Do I need added coverage for expensive stereo equipment?
  • What if I don’t agree with a claim settlement offer?
  • Are there companies who specialize in insuring high-risk drivers?
  • What exactly is covered by my policy?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

Specific coverage details

Knowing the specifics of auto insurance can be of help when determining the best coverages and the correct deductibles and limits. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Liability coverages

This can cover damage or injury you incur to other’s property or people that is your fault. It protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability insurance covers things like medical expenses, emergency aid and repair costs for stationary objects. How much coverage you buy is your choice, but consider buying as high a limit as you can afford.

Comprehensive protection

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as damage from getting keyed, hail damage and fire damage. The most your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for dental work, doctor visits and surgery. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Collision coverage

Collision coverage pays for damage to your Focus ST 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 insurance covers claims like crashing into a building, colliding with a tree and damaging your car on a curb. 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 in order to get cheaper collision rates.

Uninsured or underinsured coverage

This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your Ford Focus ST.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these limits are identical to your policy’s liability coverage.

Save for a rainy day

Drivers switch companies for a variety of reasons including questionable increases in premium, policy cancellation, lack of trust in their agent and unfair underwriting practices. It doesn’t matter what your reason, finding a new company is actually quite simple.

In this article, we presented a lot of tips how to shop for 2015 Ford Focus ST insurance online. It’s most important to understand that the more you quote car insurance, the better chance you’ll have of finding inexpensive car insurance. You may be surprised to find that the best car insurance rates are with a lesser-known regional company.

When buying insurance coverage, do not skimp on coverage in order to save money. In too many instances, an insured dropped physical damage coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to purchase plenty of coverage at the best possible price, but don’t skip important coverages to save money.

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