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Ford Focus ST Insurance Rates

Drivers have lots of options when buying insurance for your Ford vehicle. You can either buy through an insurance agent or shop online to compare insurance costs of a lot of car insurance companies. Comparing car insurance through online companies is easy, plus you may find lower rates.

Beginners to buying insurance may think purchasing affordable Focus ST insurance is difficult. The are a couple different ways to get quotes and find the best price. The recommended way to find the cheapest Focus ST insurance cost involves getting comparison quotes online. This can be done by getting a quick quote here.

Rates are determined by...

Insurance premiums paid to insure a Ford Focus ST can vary widely based upon several criteria. Including but not limited to:

  • The performance level of your Focus ST
  • Any accidents you may have
  • Home and auto can earn discounts
  • How you use your vehicle
  • Young drivers cost more
  • Being married may save money
  • Add-on coverages such as rental reimbursement
  • Your job
  • Insurance coverage level
  • Home ownership saves money

One important consideration that can impact your rates is the age of the vehicle. Used vehicles have a lower value compared to new Ford models so the costs to repair will push premiums down. Although more recent Ford vehicles have more advanced features included like adaptive cruise control, pedestrian detection, and lane departure warning system which can help offset higher rates.

To get a better understanding how much rates will be for your vehicle, select the year of your Focus ST from the list below.

Coverage for liability - Liability insurance will cover damage or injury you incur to a person or their property. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so buy higher limits if possible.

Collision coverage - This coverage will pay to fix damage to your Ford from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper Focus ST insurance rates.

Comprehensive coverage (or Other than Collision) - This covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay. The maximum payout your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don't have enough coverage. Because many people carry very low liability coverage 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.

Insurance for medical payments - Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like EMT expenses, pain medications, and nursing services. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. PIP is only offered in select states and may carry a deductible.

How Much are Ford Focus ST Insurance Rates?