2017 Ford Focus RS Insurance Rates

Searching for the cheapest insurance for a Ford Focus RS can be a lot of work, but you can learn these tips to save time.

There are more efficient ways to buy insurance so we’re going to tell you the quickest way to price shop coverage for a Ford and get the lowest possible price from both online companies and local agents.

Car insurance companies offer many discounts

Car insurance can be pricey, but there may be some discounts to help offset the cost. Certain discounts will be applied when you get a quote, but a few need to be specifically requested prior to receiving the credit. If they aren’t giving you every credit you deserve, you are not getting the best rate possible.

  • College Student Discount – who are attending college and won’t have access to an insured vehicle could get you a discount.
  • Homeowners Discount – Just owning your own home may earn you a small savings since owning and maintaining a home requires a higher level of personal finance.
  • First Accident Forgiveness – but some companies like Allstate and State Farm allow you one accident before raising your premiums so long as you haven’t had any claims for a set time period.
  • Theft Deterent – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and can earn a small discount on your policy.
  • Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class as it can save substantially.
  • Active Military Service – Being deployed in the military may lower your premium rates slightly.
  • Sign Early and Save – Select companies give a discount for buying a policy prior to your current policy expiring. You could save around 10% when you buy auto insurance online.
  • Full Payment Discount – By paying your policy upfront rather than spreading payments over time you can avoid monthly service charges.

As a sidenote, most discount credits are not given to the entire cost. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. Despite the fact that it seems like you can get free auto insurance, nobody gets a free ride. Any amount of discount will definitely reduce your policy premium.

A few popular companies and some of the premium reductions they offer are included below.

  • State Farm may include discounts for multiple autos, good driver, safe vehicle, anti-theft, and passive restraint.
  • Liberty Mutual has discounts for new vehicle discount, exclusive group savings, safety features, teen driver discount, multi-car, and multi-policy.
  • American Family offers discounts for Steer into Savings, TimeAway discount, good driver, good student, and mySafetyValet.
  • Progressive has savings for multi-policy, homeowner, good student, online signing, multi-vehicle, and online quote discount.
  • Farmers Insurance may offer discounts for early shopping, multi-car, teen driver, switch companies, and electronic funds transfer.
  • Auto-Owners Insurance may have discounts that include good student, group or association, multi-policy, paid in full, and anti-lock brakes.
  • SAFECO offers premium reductions for homeowner, safe driver, anti-theft, accident prevention training, multi-car, and anti-lock brakes.

Before buying, ask each insurance company to give you their best rates. Some of the discounts discussed earlier might not be offered on policies in your state. To see insurers who offer free car insurance quotes, click here.

Buy auto insurance online

The majority of larger companies such as Progressive, Geico, Allstate and State Farm give insurance quotes online. Doing online quotes is fairly simple because you just enter the amount of coverage you want into the form. After the form is submitted, the quote system gets your credit score and driving record and returns a price based on many factors.

Online price estimates makes comparing rates easy, but the time required to go to different websites and fill out multiple forms is not the best way to spend an afternoon. But it’s necessary to do this in order to find lower prices.

Keep reading for an easier way to compare prices

The quickest way to get multiple rate quotes utilizes a single form that analyzes rates from a lot of companies. The form is fast, helps eliminate reptitive entry, and makes online price comparison much more efficient. After your information is entered, it gets priced and you can choose any one of the price quotes you receive.

If the quotes result in lower rates, you can simply submit the application and buy the new coverage. It can be completed in a matter of minutes and may save quite a bit of money.

To find out if lower rates are available, simply click here to open in new window and enter your vehicle and coverage information. If you currently have coverage, we recommend you complete the form with coverages and limits exactly as they are listed on your policy. This helps ensure you will have a fair comparison using the same coverage and limits.

Do I just need basic coverages?

When it comes to choosing the best auto insurance coverage for your vehicles, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

These are some specific questions can aid in determining if your situation may require specific advice.

  • Should I bundle my homeowners policy with my auto?
  • Is extra glass coverage worth it?
  • What vehicles should carry emergency assistance coverage?
  • Am I covered by my spouse’s policy after a separation?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Can my teen drive my company car?
  • Does my insurance cover a custom paint job?
  • Will I lose any money if I cancel my policy before it expires?
  • Should I waive the damage coverage when renting a car?

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. It’s fast, free and may give you better protection.

Car insurance policy specifics

Understanding the coverages of a car insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Collision coverages – Collision coverage pays for damage to your Focus RS from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for things such as colliding with another moving vehicle, colliding with a tree, sideswiping another vehicle and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible to bring the cost down.

Coverage for liability – Liability insurance will cover damage that occurs to people or other property in an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as bail bonds, repair bills for other people’s vehicles, court costs, loss of income and emergency aid. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time these limits are set the same as your liablity limits.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like hospital visits, ambulance fees, rehabilitation expenses and dental work. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not available in all states but can be used in place of medical payments coverage

Comprehensive coverage – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from flooding, damage from a tornado or hurricane, damage from getting keyed and rock chips in glass. The maximum amount your car insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Find Good Coverage for Less

We just showed you some good ideas how to reduce 2017 Ford Focus RS insurance car insurance rates online. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the best price on auto insurance is with a small local company.

Some auto insurance companies do not offer rates over the internet and most of the time these smaller companies work with independent insurance agencies. Low-cost 2017 Ford Focus RS insurance is possible on the web in addition to many insurance agents, and you should compare rates from both so you have a total pricing picture.

Insureds switch companies for a number of reasons such as unfair underwriting practices, high rates after DUI convictions, being labeled a high risk driver or an unsatisfactory settlement offer. It doesn’t matter why you want to switch finding a great new company can be easier than you think.

Additional auto insurance information can be found at these links: