Cheap 2013 Ford Fiesta Insurance Quotes

Want better auto insurance rates for your Ford Fiesta? Trying to come up with a payment for high-priced auto insurance can draw down your accounts and make it tough to pay other bills. Price shopping at each renewal is a great way to lower your bills every month.

Popular companies such as Geico, 21st Century and Progressive constantly bombard you with advertising and it is difficult to avoid their marketing magic and do the work needed to find the best deal.

If you currently have car insurance, you will most likely be able to lower your premiums substantially using this information. Finding affordable coverage is not that difficult. Nevertheless, vehicle owners must comprehend the methods companies use to market on the web and use this information to your advantage.

Car insurance quotes comparison

There are multiple methods to shop for car insurance, and some are more efficient than others. You could spend your day talking about coverages with agents in your area, or you can utilize the web to get prices fast.

Most major companies are enrolled in a marketplace that enables customers to only type in their quote data once, and each company can provide price quotes based on that information. This prevents consumers from doing repetitive form submissions to each individual car insurance company. To compare rates now click here to open in new window.

One minor caviat to getting quotes like this is buyers cannot specifically choose which companies to receive prices from. If you prefer to choose individual companies to compare rates, we have a listing of low cost car insurance companies in your area. View list of insurance companies.

Whichever method you choose, ensure you’re using identical quote data for each quote you get. If you are comparing higher or lower deductibles it’s impossible to determine which rate is truly the best. Just a small difference in coverage limits could throw off the whole comparison. Just keep in mind that getting more free quotes helps increase your odds of locating the best rates.

Brand name doesn’t guarantee savings

Well-known car insurance companies like Progressive, Geico, Allstate and State Farm endlessly run television, radio, and online ads. They all make an identical promise that people will save after switching your policy. But how can every company charge you less for auto insurance?

Many companies have specific characteristics for the type of driver that earns them a profit. One example of this type of driver could be a married male, has had continuous coverage, and chooses high deductibles. Any new insured that fits those parameters will probably get the lowest auto insurance rates and have a good chance to save when they switch companies.

Consumers who fall outside the requirements may receive higher premium rates which leads to the driver buying from a lower-cost company. The wording the ads use say “drivers that switch” not “everyone that quotes” can save as much as they claim. That is how insurance companies can confidently advertise the savings.

This really drives home the point why you absolutely need to do a price quote comparison at every renewal. Because without a comparison, you cannot know with any certainty which company will have better auto insurance rates than you’re paying now.

Auto Insurance Discounts

Some providers don’t always publicize every possible discount very clearly, so the next list breaks down both the well known and the more hidden credits available to you.

• Claim Free – Drivers who stay claim-free can save substantially in comparison to insureds who have frequent claims or accidents.
• Discount for Life Insurance – Insurance companies who offer life insurance give better auto insurancerates if you take out a life insurance policy as well.
• Multiple Cars – Purchasing coverage when you have all your vehicles on one policy can get a discount for every vehicle.
• Discounts for Government Workers – Being employed by or retired from a federal job could qualify for a slight premium decrease for Fiesta insurance with a few auto insurance companies.
• Home Ownership Discount – Just being a homeowner can save you money since owning and maintaining a home shows financial diligence.
• Senior Citizens – Seniors may receive better auto insurance rates for Fiesta insurance.
• Seat Belts Save – Forcing all vehicle occupants to buckle up before driving could save 15% on medical payment and PIP coverage.
• Anti-lock Brake System – Cars equipped with ABS or steering control prevent accidents and earn discounts up to 10%.
• Sign Early and Save – A few companies give discounts for switching policies early. It can save you around 10%.

Discounts lower rates, but many deductions do not apply to your bottom line cost. Some only apply to specific coverage prices like comprehensive or collision. So even though you would think all those discounts means the company will pay you, that’s just not realistic.

Large auto insurance companies and some of the premium reductions they offer can be found below.

• Farm Bureau has savings for multi-policy, youthful driver, multi-vehicle, safe driver, good student, 55 and retired, and driver training.
• State Farm policyholders can earn discounts including accident-free, good student, Steer Clear safe driver discount, driver’s education, good driver, anti-theft, and passive restraint.
• Progressive may include discounts for online quote discount, homeowner, multi-vehicle, good student, online signing, and continuous coverage.
• Allstate offers discounts for early signing, safe driver, utility vehicle, auto/life discount, eSmart discount, resident student, and passive restraint.
• Nationwide discounts include family plan, good student, multi-policy, accident-free, and easy pay.
• MetLife has discounts for defensive driver, accident-free, multi-policy, good driver, claim-free, and good student.

If you are trying to find inexpensive car insurance quotes, ask each company how many discounts you can get. Depending on the company, some discounts might not apply in your area.

Tailor your car insurance coverage to you

When choosing coverage, there really is not a cookie cutter policy. Every situation is different so your insurance needs to address that. Here are some questions about coverages that can help discover if your situation may require specific advice.

• Does coverage extend to my business vehicle?
• Why is insurance for a teen driver so high?
• Am I covered if I wreck a rental car?
• Is business property covered if stolen from my car?
• Should I waive the damage coverage when renting a car?
• Am I covered if my car is in a flood?

If you’re not sure about those questions but a few of them apply, you may need to chat with an agent. To find an agent in your area, complete this form or click here for a list of car insurance companies in your area.

Educate yourself about insurance coverages

Knowing the specifics of a insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Insurance terms can be difficult to understand and coverage can change by endorsement. Shown next are the usual coverages found on the average insurance policy.

Coverage for uninsured or underinsured drivers

This gives you protection when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as damage to your Ford Fiesta.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Frequently these coverages do not exceed the liability coverage limits.

Comprehensive insurance

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, a broken windshield and falling objects. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability auto insurance

Liability coverage can cover damage or injury you incur to people or other property in an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Another option is a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as medical services, court costs, repair costs for stationary objects and medical expenses. The amount of liability coverage you purchase is your choice, but you should buy as large an amount as possible.

Auto collision coverage

Collision insurance covers damage to your Fiesta resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like hitting a parking meter, crashing into a ditch and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for expenses for rehabilitation expenses, funeral costs and pain medications. They are often used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover you and your occupants and will also cover any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Be a smart shopper

When searching for low cost car insurance quotes, you should never buy poor coverage just to save money. In many instances, someone dropped full coverage and learned later that it was a big mistake. Your goal should be to buy the best coverage you can find at the best price, not the least amount of coverage.

Some companies may not have rate quotes online and usually these small insurance companies prefer to sell through local independent agents. Lower-priced 2013 Ford Fiesta insurance is available online and with local insurance agents, and you should compare rates from both in order to have the best price selection to choose from.

Additional information is available at these links:

• Top Signs Your Brakes are Giving Out (State Farm)
• Things to Know Before you Cancel Insurance (Allstate)
• Side Impact Crash Tests (iihs.org)
• Coverage Information (Progressive Insurance)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)