Save on 2018 Ford Fiesta Car Insurance Quotes

Searching for lower insurance coverage rates for your Ford Fiesta? Locating low-cost insurance for a new or used Ford Fiesta can turn out to be a lot of work, but you can learn these tips to find lower rates.

There are both good and bad ways to find insurance coverage online so you’re going to learn the best way to compare rates for a Ford and locate the cheapest rates either online or from local insurance agents.

If you are insured now or are shopping for new coverage, you can learn to shop for the lowest rates and possibly find even better coverage. Locating affordable insurance coverage can be fairly easy. Vehicle owners only need to know the most efficient way to buy insurance over the internet.

Shop insurance coverage online

Effectively comparing insurance coverage prices can take time and effort if you don’t know the easiest way. You can waste a lot of time discussing policy coverages with insurance agencies in your area, or you could use the web to quickly compare rates.

Many insurance companies take part in a program where prospective buyers only type in their quote data once, and each participating company returns a competitive quote based on that information. This system prevents you from having to do quotation requests for each company you want a rate for. To fill out one form to compare multiple rates now click here (opens in new window).

The single downside to comparing rates this way is you are unable to specify which companies to get quotes from. If you would rather choose from a list of companies to compare, we have a page of the cheapest insurance coverage companies in your area. Click here to view list.

Whichever method you choose, do your best to enter the same coverages with each company. If you compare mixed coverages it will be very difficult to find the best deal for your Ford Fiesta.

Find hidden discounts to get affordable car insurance rates

Buying car insurance is not cheap, but there are discounts available to help bring down the price. A few discounts will be applied when you purchase, but some must be specially asked for before they will apply.

• Anti-theft System – Vehicles that have factory anti-theft systems can help prevent theft and earn discounts up to 10% off your insurance quote.
• Anti-lock Brake System – Cars, trucks, and SUVs that have steering control and anti-lock brakes can avoid accidents so companies give up to a 10% discount.
• Own a Home and Save – Just owning your own home may earn you a small savings because owning a home is proof that your finances are in order.
• Government Employees – Federal government employees could provide a small rate reduction on Fiesta coverage with certain companies.
• Defensive Driver Discount – Taking a course teaching defensive driver skills could earn you a small percentage discount and easily pay for the cost of the class.

One thing to note about discounts is that most of the big mark downs will not be given to the overall cost of the policy. Most only reduce individual premiums such as medical payments or collision. So even though it sounds like you could get a free car insurance policy, it’s just not the way it works.

Large car insurance companies and some of their more popular discounts are outlined below.

• Geico offers premium reductions for defensive driver, military active duty, driver training, federal employee, membership and employees, emergency military deployment, and good student.
• MetLife may have discounts that include good driver, accident-free, multi-policy, claim-free, defensive driver, good student
• State Farm discounts include anti-theft, multiple policy, passive restraint, driver’s education, multiple autos, student away at school, and good student.
• Progressive policyholders can earn discounts including multi-policy, multi-vehicle, homeowner, online quote discount, good student, continuous coverage, and online signing.
• Mercury Insurance offers discounts for type of vehicle, location of vehicle, good driver, good student, ease of repair, multi-car, and anti-theft.
• 21st Century includes discounts for air bags, anti-lock brakes, early bird, theft prevention, 55 and older, and defensive driver.
• Allstate may include discounts for utility vehicle, 55 and retired, premier discount, new car, and auto/life discount.

When comparing rates, check with all the companies to apply every possible discount. Some of the discounts discussed earlier may not be available in your area.

Tailor your insurance coverage coverage to you

When buying the best insurance coverage coverage, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can help discover if you will benefit from professional help.

• Is my 2018 Ford Fiesta covered for smoke damage?
• I have health insurance so do I need medical payments coverage?
• How much underlying liability do I need for an umbrella policy?
• When would I need additional glass coverage?
• Should I carry comprehensive and collision coverage?
• Does medical payments coverage apply to all occupants?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and may give you better protection.

Insurance policy specifics

Knowing the specifics of your policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Insurance for medical payments – Med pay and PIP coverage kick in for expenses like ambulance fees, prosthetic devices and hospital visits. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

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

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Another option is a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as structural damage, legal defense fees, bail bonds and attorney fees. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for injuries to you and your family and also any damage incurred to your Ford Fiesta.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Frequently these coverages do not exceed the liability coverage limits.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like rock chips in glass, vandalism, hitting a deer, damage from getting keyed and hitting a bird. The highest amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision – This coverage pays to fix your vehicle from damage 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 coverage protects against things like driving through your garage door, crashing into a building, hitting a mailbox, damaging your car on a curb and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to bump up the deductible to bring the cost down.