Searching for better car insurance rates for your Ford Focus ST? Being forced to pay for expensive car insurance premiums can take a big chunk out of your savings account and force you to cut corners elsewhere. Doing a rate analysis is a smart way to make sure you’re not throwing money away.
Due to the increasing number of insurance companies to choose from, it is hard for the average consumer to choose a more affordable insurance company.
You need to check car insurance prices before your policy renews because car insurance prices fluctuate regularly. If you had the best quotes on Focus ST insurance a year ago other companies may now be cheaper. Don’t believe everything you read about car insurance online but by reading this article, you’re going to learn some of the best techniques to buy car insurance cheaper.
Buying affordable coverage is quite easy. If you have a current auto insurance policy or need a new policy, you will benefit by learning to cut your premiums while maintaining coverages. Drivers just need to know the proper way to shop their coverage around online.
Comparing insurance rates can be exhausting if you don’t know the best way to get rate quotes. You could spend your day driving to local insurance agents in your area, or you could save time and use online quoting to get rate comparisons in just a few minutes.
Most car insurance companies enroll in a system where insurance shoppers enter their policy data once, and each company then returns a price quote. This saves time by eliminating quotation requests for every insurance company.
To get comparison pricing now click here to start a free quote.
The single downside to doing it this way is buyers cannot specifically choose the insurers you want pricing from. So if you want to select specific insurance companies to compare prices, we put together a list of insurance companies in your area. Click here to view list.
However you get your quotes, be sure to compare the exact same coverages and limits with every price quote. If you have unequal deductibles or liability limits it will be very difficult to decipher which rate is best.
Companies offering auto insurance do not list every discount in an easy-to-find place, so we break down some of the best known and also the lesser-known discounts that you can inquire about if you buy car insurance online.
A little disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. Some only reduce specific coverage prices like medical payments or collision. Despite the fact that it seems like all the discounts add up to a free policy, it’s just not the way it works.
A few popular companies and a partial list of their discounts are detailed below.
Double check with every company the best way to save money. All car insurance discounts may not apply to policies in your area. If you would like to see a list of auto insurance companies that have a full spectrum of discounts, follow this link.
Many things are part of the calculation when you get a price on insurance. Some factors are common sense like a motor vehicle report, but other criteria are less obvious like your continuous coverage or how financially stable you are.
The following are some of the things insurance coverage companies consider when setting your rates.
When buying the best auto insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions could help you determine if your insurance needs could use an agent’s help.
If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area. It’s fast, free and can provide invaluable advice.
Learning about specific coverages of auto insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Shown next are the usual coverages offered by auto insurance companies.
Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for funeral costs, rehabilitation expenses, prosthetic devices and pain medications. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers you and your occupants and will also cover being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay
This gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Ford Focus ST.
Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Most of the time these coverages are identical to your policy’s liability coverage.
Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive insurance covers things like hitting a deer, damage from getting keyed and rock chips in glass. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.
This can cover damage that occurs to other people or property in 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: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 which means a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.
Liability coverage pays for claims such as medical expenses, loss of income, structural damage and medical services. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.
Collision coverage will pay to fix damage to your Focus ST caused by collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.
Collision coverage pays for things such as backing into a parked car, sustaining damage from a pot hole, colliding with a tree and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.
When you buy car insurance online, do not reduce needed coverages to save money. There are many occasions where someone sacrificed liability limits or collision coverage only to find out that the savings was not a smart move. Your focus should be to find the BEST coverage for the lowest cost, but do not sacrifice coverage to save money.
We’ve covered some good ideas how to save on 2013 Ford Focus ST insurance. The key concept to understand is the more providers you compare, the higher your chance of finding the cheapest car insurance. Drivers may discover the best price on insurance is with some of the lesser-known companies. These companies can often insure niche markets at a lower cost than the large multi-state companies such as State Farm, GEICO and Nationwide.
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