Lower Your 2017 Ford Fiesta Insurance Rates

Want cheaper car insurance rates for your Ford Fiesta? If you’re new to shopping for insurance coverage quotes online, it’s easy to be overwhelmed thanks to the incredible selection local agents and online companies who all claim to have the lowest rates.

You should take the time to compare prices quite often due to the fact that insurance prices change regularly. Just because you found the lowest quotes on Fiesta insurance six months ago you can probably find a lower rate today. Block out anything you think you know about car insurance because we’re going to demonstrate the best methods to properly buy coverages while reducing your premium.

Finding cheaper insurance coverage is not that difficult. Basically, everyone who shops for insurance coverage will more than likely be able to find better rates. But consumers must know how big insurance companies determine prices.

How to buy auto insurance

To find more affordable rates, there are a couple of ways to obtain and compare prices from auto insurance companies in your area. The recommended way to compare rates consists of shopping online. This is very easy and can be done in a couple minutes as outlined below.

  1. The best way consumers can make multiple comparisons would be an industry-wide quote request form (click to open form in new window). This style of form saves time by eliminating separate quotes for every company. A single form will return quotes from many national carriers. This is perfect if you don’t have a lot of time.
  2. A slightly less efficient method to get comparison quotes is to take the time to go to each individual company website and fill out a new quote form. For examples sake, let’s say you want to compare prices for Liberty Mutual, Safeco and GMAC. In order to get each rate, you would have to spend time going to each site individually and repeatedly enter your information, which explains why we recommend starting with the first method. To view a list of companies in your area, click here.

You can use whichever method you prefer to find lower rates, just make sure you use exactly the same information for every company. If you enter higher or lower deductibles you will not be able to make an equal comparison. Just a small difference in insurance coverages or limits may result in a large different in cost. And when comparison shopping, more quotes increases the change that you will find the best rates.

Auto insurance companies offer many types of discounts

Auto insurance is easily one of your largest bills, but companies offer discounts that many consumers don’t even know exist. A few discounts will be applied when you complete an application, but once in a while a discount must be requested specifically before you get the savings.

  • Military Discounts – Being on active deployment in the military may qualify for rate reductions.
  • Home Ownership Discount – Simply owning a home can get you a discount since home ownership requires a higher level of personal finance.
  • Low Mileage – Fewer annual miles on your Ford could earn cheaper premium rates.
  • Use Seat Belts – Drivers who always wear seat belts and also require passengers to buckle up can save up to 15% off PIP or medical payments premium.
  • New Car Discount – Insuring a new car can save you some money compared to insuring an older model.
  • Professional Memberships – Joining qualifying employment or professional organizations could trigger savings on your next renewal.
  • Senior Discount – Drivers over the age of 55 can get better auto insurance rates on Fiesta insurance.

You should keep in mind that many deductions do not apply the the whole policy. A few only apply to specific coverage prices like liability, collision or medical payments. Just because you may think adding up those discounts means a free policy, companies wouldn’t make money that way.

If you would like to see a list of auto insurance companies offering auto insurance discounts, follow this link.

Learn how to lower your insurance prices

Many factors are used when you quote your car insurance policy. Some factors are common sense like your driving record, but other criteria are less apparent like your vehicle usage or your vehicle rating.

  • The more you drive the more you pay – The more you drive in a year the more you’ll pay to insure it. A lot of companies charge rates based upon how the vehicle is primarily used. Vehicles that are left in the garage cost less to insure than cars that get driven a lot. It’s always a good idea to double check that your policy states the correct usage. Having an incorrect usage rating on your Fiesta is just wasting money.
  • Mature drivers are lower risk – Inexperience drivers tend to be inattentive and easily distracted with other occupants in the car and because of this, their insurance rates are much higher. Parents adding a youthful driver to your insurance policy can be very expensive. Older people are viewed as being more responsible, tend to cause fewer accidents .
  • Stay claim-free and lower insurance rates – Companies award the best rates to policyholders that do not abuse their auto insurance. If you are a frequent claim filer, you can look forward to higher premiums or even policy non-renewal. Your insurance policy is designed for claims that you cannot pay yourself.
  • Higher comp and collision deductibles are cheaper – Physical damage coverage, aka comp and collision, covers your vehicle from damage. A few examples of covered claims are collision with another vehicle, damage caused by hail, and having your car stolen. Comprehensive and collision coverage deductibles tell how much you are required to pay if you file a covered claim. The larger the amount you are required to pay out-of-pocket, the less your company will charge you for insurance on Fiesta insurance.
  • Liability protection limits should be high – Your insurance policy’s liability coverage will provide protection if you are found liable for causing personal injury or damage in an accident. Your policy’s liability insurance provides legal defense coverage which can cost thousands of dollars. This coverage is relatively inexpensive as compared to coverage for physical damage, so buy as much as you can afford.
  • Premiums are affected by your address – Having an address in smaller towns and rural areas of the country can save you money when talking about insurance. Residents of big cities have traffic congestion and more severe claims. Less people living in that area translates into fewer accidents and a lower car theft rate.

Do I just need basic coverages?

When it comes to buying adequate coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Every situation is different.

For example, these questions may help you determine if you might need an agent’s assistance.

  • Am I insured when driving a different vehicle?
  • Can I get a multi-policy discount?
  • Am I covered if my car is in a flood?
  • When should I remove comp and collision on my 2017 Ford Fiesta?
  • How high should deductibles be on a 2017 Ford Fiesta?
  • Am I covered when delivering products for my home-based business?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • I have health insurance so do I need medical payments coverage?
  • Does coverage extend to Mexico or Canada?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed agent. To find an agent in your area, complete this form.

Coverages available on your policy

Learning about specific coverages of your insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Coverage for liability – This coverage can cover damages or injuries you inflict on a person or their property in an accident. It protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as pain and suffering, medical services, loss of income, bail bonds and court costs. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

Medical costs insurance – Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like dental work, X-ray expenses, funeral costs, surgery and EMT expenses. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Comprehensive or Other Than Collision – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like damage from flooding, falling objects, theft, hail damage and hitting a bird. The most your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverage – This coverage covers damage to your Fiesta resulting from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision insurance covers things such as crashing into a ditch, scraping a guard rail, colliding with a tree, crashing into a building and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Ford Fiesta.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time these coverages do not exceed the liability coverage limits.

More choices the merrier

As you restructure your insurance plan, it’s very important that you do not buy less coverage just to save a little money. There are many occasions where someone dropped uninsured motorist or liability limits and found out when filing a claim that they should have had better coverage. The goal is to buy enough coverage for the lowest cost, but do not skimp to save money.

We just covered a lot of information how to get a better price on 2017 Ford Fiesta insurance. The key thing to remember is the more companies you get prices for, the better your comparison will be. You may be surprised to find that the lowest premium rates are with a company that doesn’t do a lot of advertising.

People switch companies for a number of reasons such as lack of trust in their agent, high rates after DUI convictions, denial of a claim or even being labeled a high risk driver. No matter why you want to switch, switching insurance coverage companies is easier than you think.

For more information, take a look at the resources below: