Compare 2016 Ford Focus RS Insurance Quotes

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.

How to find cheap auto insurance

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.

Is there truth in advertising?

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.

Ford Focus RS insurance prices can be lower

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.

  • Are you male or female? – Over time, data shows that females tend to be a little less risky than males. Now that doesn’t mean men are WORSE drivers than women. Both sexes get in auto accidents in similar numbers, but males tend to have more serious accidents. Not only that, but men also get ticketed for serious violations like DUI and reckless driving. Youthful male drivers cause the most accidents and therefore have the most expensive insurance coverage rates.
  • Alarm systems save money – Purchasing a vehicle that has an advanced theft prevention system can get you a discount on your insurance coverage. Anti-theft devices such as OnStar, LoJack tracking, and tamper alarms all aid in stopping your car from being stolen.
  • Policy claims cost money – If you tend to file frequent claims, don’t be surprised to see either policy cancellation or increased premiums. Auto insurance companies provide lower rates to insureds that do not abuse their auto insurance. Auto insurance is designed for more catestrophic claims.
  • Traffic violations can increase rates – Getting just one speeding ticket may increase your cost forty percent or more. Drivers with clean records tend to pay less for car insurance than bad drivers. Drivers who get serious citations such as DWI, reckless driving or hit and run convictions may find that they have to to file a SR-22 with the DMV in their state in order to keep their license.
  • Extra coverages can add up – There are quite a few extra bells and whistles that sound like a good idea at the time when buying insurance coverage. Coverage for things like rental car coverage, accidental death, and extra life insurance coverage may be costing you every month. These may sound like a good investment at first, but if you’ve never needed them in the past think about removing them and cutting costs.
  • More mileage equals more premium – The more you drive in a year the more you will pay for insurance coverage. Almost all companies charge to insure your cars based upon how the vehicle is primarily used. Cars and trucks that sit idle most of the time receive better premium rates than those used for commuting. An incorrectly rated Focus RS may be costing you. Make sure your insurance coverage policy reflects the correct usage for each vehicle, because it can save money.
  • Prevent insurance coverage lapses – Not having insurance is a misdemeanor and you will pay a penalty because you let your coverage lapse. In addition to paying higher premiums, getting caught without coverage may earn you a hefty fine and possibly a revoked license. You will then be forced to file a SR-22 with your state department of motor vehicles.
  • Improve your credit rating and save – An insured’s credit score factor in determining premium rates. So if your credit history leaves room for improvement, you could potentially save money when insuring your 2016 Ford Focus RS by repairing your credit. Insureds with excellent credit tend to be better risks to insure than drivers with poor credit scores.

Find hidden discounts to get affordable auto insurance rates

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.

  • ABS Braking Discount – Cars that have steering control and anti-lock brakes are much safer to drive and earn discounts up to 10%.
  • Discount for Life Insurance – Not all insurance companies offer life insurance, but some may give you a discounted price on car insurance if you buy a life policy as well.
  • Low Mileage Discounts – Driving less could earn lower prices due to less chance of an accident.
  • Safe Drivers – Drivers without accidents could pay up to 40% less for Focus RS insurance compared to rates paid by drivers with frequent claims.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to sucessfully take a drivers education course in school.
  • Passenger Safety Discount – Factory air bags or motorized seat belts can receive discounts of 20% or more.
  • Data Collection Discounts – Drivers who agree to allow companies to track their driving habits by using a telematic data system such as State Farm’s In-Drive could see a rate decrease as long as the data is positive.
  • Military Rewards – Being deployed in the military could trigger a small discount.
  • No Claims – Drivers who stay claim-free are rewarded with significantly better rates on car insurance quote compared to drivers with a long claim history.

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.

  • State Farm may include discounts for good driver, defensive driving training, anti-theft, multiple autos, multiple policy, good student, and passive restraint.
  • Geico discounts include air bags, membership and employees, defensive driver, seat belt use, federal employee, multi-vehicle, and anti-theft.
  • Allstate policyholders can earn discounts including FullPay discount, safe driver, EZ pay plan discount, anti-theft, and economy car.
  • SAFECO includes discounts for safe driver, bundle discounts, teen safety rewards, anti-theft, and anti-lock brakes.
  • Farm Bureau offers discounts for multi-policy, driver training, youthful driver, 55 and retired, good student, safe driver, and multi-vehicle.
  • Progressive offers discounts including good student, online quote discount, online signing, homeowner, and multi-policy.
  • AAA may have discounts that include good driver, pay-in-full, AAA membership discount, multi-car, and multi-policy.

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.

Tailor your insurance coverage to you

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.

  • Does coverage extend to my business vehicle?
  • Will filing a claim cost me more?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Does my liability insurance cover pulling a trailer or camper?
  • Do I need medical payments coverage since I have good health insurance?
  • Am I covered when driving a rental car?
  • How much underlying liability do I need for an umbrella policy?
  • What happens if I owe more than my 2016 Ford Focus RS is worth?
  • Do I really need UM/UIM coverage?

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.

Learn about car insurance coverages for a 2016 Ford Focus RS

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.

You can do this!

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: