Save on 2016 Ford Focus ST Insurance Quotes

Trying to find better auto insurance rates for your Ford Focus ST? Expensive auto insurance can eat up your accounts and force you to make tough financial choices. Price shopping at each renewal is free, only takes a few minutes, and is a good way to tighten up your finances.

You have multiple insurers to insure vehicles with, and although it’s a good thing to have multiple companies, having more car insurance companies makes it harder to find a good deal.

Finding the best rates is not rocket science. If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using this strategy. But car owners must understand how insurance companies price insurance differently because it can help you find the best coverage.

The quickest method we recommend to compare insurance rates in your area takes advantage of the fact auto insurance companies participate in online systems to provide you with a free rate quote. To get started, all you need to do is provide a small amount of information including your general credit rating, whether you are single or married, your occupation, and whether your vehicle is owned or leased. Those rating factors is then submitted to many different companies and you receive quotes instantly to find the best rate.

If you wish to get multiple quotes for your 2016 Ford Focus ST now, click here and enter your zip code.

Are you receiving every discount?

Companies don’t list every discount in a way that’s easy to find, so below is a list some of the best known as well as some of the hidden credits that may apply to you. If you are not receiving all the discounts you qualify for, you could be getting lower rates.

  • Buy New and Save – Buying a new car model can be considerably cheaper since newer models have better safety ratings.
  • Low Mileage Discounts – Fewer annual miles on your Ford can earn substantially lower prices.
  • Anti-theft System – Anti-theft and alarm system equipped vehicles are less likely to be stolen and will qualify for a discount on a car insurance quote.
  • Passenger Safety Discount – Cars that have air bags or automatic seat belts may qualify for discounts of 20 to 30 percent.
  • Defensive Driving Course – Passing a course in driver safety is a good idea and can lower rates if your company offers it.
  • Distant Student – College-age children who attend college more than 100 miles from home and won’t have access to an insured vehicle may be able to be covered for less.

You should keep in mind that many deductions do not apply the the whole policy. Some only reduce the cost of specific coverages such as comprehensive or collision. If you do the math and it seems like adding up those discounts means a free policy, companies don’t profit that way. But all discounts should help reduce the amount you have to pay.

A list of companies and their offered discounts include:

  • 21st Century offers discounts including anti-lock brakes, theft prevention, driver training, air bags, defensive driver, and automatic seat belts.
  • Progressive may have discounts that include good student, multi-policy, homeowner, online signing, continuous coverage, online quote discount, and multi-vehicle.
  • State Farm may include discounts for passive restraint, driver’s education, good student, safe vehicle, anti-theft, and accident-free.
  • Nationwide has savings for anti-theft, multi-policy, business or organization, easy pay, and defensive driving.
  • Esurance has discounts for good student, renters, online quote, anti-lock brakes, and DriveSense.
  • The Hartford discounts include anti-theft, defensive driver, driver training, vehicle fuel type, and air bag.

If you are trying to find the cheapest car insurance quotes, ask each insurance company which discounts can lower your rates. Some discounts listed above might not be offered in every state. To find providers who offer online insurance coverage quotes, click this link.

When in doubt talk to an agent

When it comes to choosing adequate coverage, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s so your insurance should reflect that Here are some questions about coverages that can aid in determining if your situation could use an agent’s help.

  • Can I get a multi-policy discount?
  • What can I do if my company denied a claim?
  • Do I need added coverage for expensive stereo equipment?
  • Does my personal policy cover me when driving out-of-state?
  • Do I need to file an SR-22 for a DUI in my state?
  • Which is better, split liability limits or combined limits?
  • Should I put collision coverage on all my vehicles?
  • Will filing a claim cost me more?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

The Ford Focus ST insurance premium equation

Lots of things are considered when premium rates are determined. Some factors are common sense like your driving record, but others are more transparent such as your marital status or how safe your car is.A large part of saving on insurance coverage is knowing some of the factors that come into play when calculating your premiums. When you know what positively or negatively determines base rates, this helps enable you to make changes that may reward you with big savings.

Listed below are some of the most rate-impacting factors used by insurance companies to determine premiums.

  • Cars with good safety ratings cost less to insure – Vehicles with good safety scores cost less to insure. Vehicles built for safety reduce occupant injuries and reduced instances of injuries means your insurance company pays less and lower rates for you. If your Ford Focus ST earned at least four stars on Safercar.gov you may pay a lower rate.
  • Coverage lapses lead to higher rates – Driving any period of time without insurance is a misdemeanor and you will pay a penalty because you let your insurance expire. In addition to paying higher rates, getting caught without coverage might get you fines and jail time.
  • Having a spouse can lower prices – Your spouse actually saves money on insurance coverage. It is viewed as being more financially stable and insurance companies like that being married results in fewer claims.
  • Teenagers are high risk – Teenage drivers have been known to be inattentive and easily distracted behind the wheel so insurance coverage rates are higher. Having to add a inexperienced driver onto your insurance coverage can be very expensive. Older insureds are shown to be more cautious, cost insurance companies less in claims and receive fewer citations.
  • You may save more by bundling policies – Many insurers apply discounts to insureds who have multiple policies with them, otherwise known as a multi-policy discount. Discounts can be anywhere from five to ten percent in most cases. Even if you qualify for this discount already, you may still want to get quotes from other companies to guarantee you are still saving the most. You may still find better rates even if you insure with multiple companies
  • Annual mileage and car insurance premiums – Driving a lot of miles each year the more you’ll pay to insure it. Almost all companies charge rates based upon how much you drive. Cars and trucks that are left in the garage receive better premium rates than cars that get driven a lot. An improperly rated Focus ST is just wasting money. Make sure your insurance coverage policy properly reflects the proper vehicle usage, because improper ratings can cost you money.

Information about specific coverages

Understanding the coverages of your auto insurance policy can help you determine the best coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types offered by auto insurance companies.

Coverage for liability – This can cover injuries or damage you cause to people or other property. It protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different 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 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things like repair bills for other people’s vehicles, repair costs for stationary objects, medical expenses and pain and suffering. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance 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 things such as falling objects, rock chips in glass, hitting a deer and hitting a bird. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Insurance for medical payments – Med pay and PIP coverage provide coverage for immediate expenses such as ambulance fees, X-ray expenses, pain medications and surgery. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants as well as getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Collision coverages – Collision insurance will pay to fix damage to your Focus ST caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as colliding with a tree, damaging your car on a curb, scraping a guard rail and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also raise the deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance – This gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2016 Ford Focus ST.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

One last thing

More affordable auto insurance is attainable on the web in addition to local insurance agencies, so you need to shop car insurance with both to have the best chance of lowering rates. There are still a few companies who may not provide rate quotes online and most of the time these smaller companies provide coverage only through independent agents.

We just presented quite a bit of information on how to save on 2016 Ford Focus ST insurance. The key concept to understand is the more price quotes you have, the better chance you’ll have of finding affordable car insurance. You may even discover the best premium rates are with a small local company. Smaller companies may only write in your state and offer lower prices compared to the large companies like State Farm or Progressive.

As you go through the steps to switch your coverage, it’s not a good idea to reduce needed coverages to save money. Too many times, someone sacrificed liability coverage limits only to discover later they didn’t purchase enough coverage. The proper strategy is to find the BEST coverage for the lowest cost, not the least amount of coverage.

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