Looking for better auto insurance rates? Shoppers have lots of choices when shopping for low-cost Ford Focus RS insurance. They can either spend hours struggling with agents trying to get quotes or save time using the internet to find the lowest rates. There is a right way and a wrong way to buy auto insurance and we’ll show you the best way to get price quotes for your Ford and locate the lowest price.
You need to do rate comparisons before your next renewal because auto insurance prices fluctuate regularly. Even if you think you had the best price for Focus RS insurance a few years ago you can probably find a better rate quote now. You’ll find quite a bit of inaccurate information about auto insurance on the web, but I’m going to show you some solid techniques on how to lower your auto insurance rates.
All major auto insurance companies give price estimates directly from their websites. This process is quite easy as all you need to do is type in the coverage amounts you desire as detailed in the form. When complete, their system automatically retrieves your credit score and driving record and returns a price based on these factors.
This makes it simple to compare prices but the process of having to visit each company’s website and repetitively enter the same data into a form can get tiresome after awhile. But it’s necessary to compare as many rates as possible if you want to find the lowest possible prices on auto insurance.
An easier way to get multiple rate quotes uses one simple form to return rates from more than one company. It saves time, eliminates form submissions, and makes rate comparisons much more enjoyable and efficient. Immediately after you send the form, it is rated and you can choose any or none of the resulting price quotes. If you find a better price it’s easy to complete the application and buy the new coverage. It can be completed in a matter of minutes and could lower your rates considerably.
To save time and fill out one form to compare multiple rates now, click here to open in new window and begin entering your coverage information. If you have your current policy handy, we recommend you complete the form with the coverages just like they are on your policy. This way, you will receive a rate comparison based on similar coverages.
Consumers can’t get away from all the ads for the lowest price insurance coverage from companies such as 21st Century, Allstate and State Farm. They all seem to say the same thing that drivers can save some big amount if you just switch to them.
How does every insurance coverage company sell you cheaper insurance coverage? This is the way they can do it.
Companies quote their cheapest rates for the right customer that is profitable for them. One example of this type of insured could possibly be a married male, has a clean driving record, and drives a safe vehicle. Any driver who meets those qualifications will probably get the lowest premium rates and will most likely save some money.
People who cannot meet this ideal profile will be quoted higher rates and this results in the customer not buying. If you listen to the ad wording, they say “customers who switch” not “all people who quote” can get the lowest rates when switching. That is how companies can truthfully lure you into getting a quote. Because of the profiling, it’s extremely important to quote coverage with many companies. It’s just too difficult to predict which insurance companies will have the best prices.
A large part of saving on insurance coverage is knowing some of the factors that come into play when calculating your policy premiums. If you know what determines premiums, this allows you to make educated decisions that may reward you with much lower annual insurance costs. Many factors are considered when premium rates are determined. Some of the criteria are obvious like an MVR report, but other criteria are not quite as obvious such as your credit history and annual miles driven.
Car insurance companies don’t always list every available discount very clearly, so here is a list a few of the more well known as well as some of the hidden credits available to lower your premiums when you buy car insurance online.
Discounts reduce rates, but you should keep in mind that most discounts do not apply to the entire policy premium. Most only reduce individual premiums such as medical payments or collision. So despite the fact that it appears adding up those discounts means a free policy, you’re out of luck. Any qualifying discounts should help lower your overall bill.
Popular auto insurance companies and their possible discounts are detailed below.
If you want low cost car insurance quotes, ask each company which credits you are entitled to. Some of the earlier mentioned discounts may not apply to policies in every state. For a list of insurers with discount rates, click this link.
When buying coverage, there isn’t really a best way to insure your cars. Every situation is different.
For instance, these questions can aid in determining whether or not you could use an agent’s help.
If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.
Knowing the specifics of your policy can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring.
Collision – This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against claims such as crashing into a building, colliding with another moving vehicle, hitting a mailbox and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.
Comprehensive auto coverage – Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers things like damage from getting keyed, rock chips in glass, vandalism and fire damage. The most 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.
Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like chiropractic care, X-ray expenses, ambulance fees and EMT expenses. They can be utilized in addition to your health insurance policy or if you do not have health coverage. It covers you and your occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage
Liability insurance – Liability insurance can cover injuries or damage you cause to other people or property. This coverage protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.
Liability coverage protects against claims like pain and suffering, emergency aid, attorney fees and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but you should buy as large an amount as possible.
UM/UIM (Uninsured/Underinsured Motorist) coverage – This provides protection from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and damage to your 2016 Ford Focus RS.
Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.
As you quote car insurance, don’t be tempted to buy poor coverage just to save money. In many cases, an insured cut liability limits or collision coverage only to find out that the few dollars in savings costed them thousands. The ultimate goal is to purchase plenty of coverage at an affordable rate, but do not sacrifice coverage to save money.
People leave their current company for a variety of reasons including lack of trust in their agent, delays in paying claims, delays in responding to claim requests or policy cancellation. Whatever your reason, switching companies can be easier than you think.
Some insurance providers do not provide the ability to get a quote online smaller providers only sell through independent agencies. The cheapest 2016 Ford Focus RS insurance is definitely available on the web in addition to many insurance agents, and you should compare price quotes from both to have the best selection.
Additional car insurance information can be read on the following sites: