Compare 2013 Ford Focus ST Insurance Rates

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.

The cheapest insurance rate quotes

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.

Drivers can save with these discounts

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.

• Discount for Low Mileage – Maintaining low annual mileage may allow you to get cheaper prices.
• Professional Memberships – Being in certain professional organizations could earn you a nice discount on your policy.
• New Car Discount – Insuring a vehicle that is new can save up to 30% since new model year vehicles are generally safer.
• Telematics Discount – Drivers who agree to allow companies to study vehicle usage by using a small device installed in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive may see discounts if they are good drivers.
• Switch and Save Discount – Some larger companies give discounts for switching policies prior to the expiration date on your current policy. You may see this discount when you get car insurance quotes 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.

• American Family has savings for TimeAway discount, defensive driver, air bags, good driver, bundled insurance, Steer into Savings, and multi-vehicle.
• Farm Bureau policyholders can earn discounts including renewal discount, good student, multi-policy, 55 and retired, youthful driver, driver training, and safe driver.
• State Farm offers discounts for accident-free, Drive Safe & Save, anti-theft, passive restraint, Steer Clear safe driver discount, driver’s education, and good student.
• Travelers offers premium reductions for continuous insurance, student away at school, IntelliDrive, early quote, new car, and multi-policy.
• The Hartford may have discounts that include driver training, vehicle fuel type, good student, bundle, defensive driver, and air bag.
• Geico offers discounts including multi-policy, anti-theft, good student, military active duty, daytime running lights, and membership and employees.
• Progressive may offer discounts for online signing, homeowner, continuous coverage, good student, online quote discount, and multi-vehicle.

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.

What affects Ford Focus ST insurance prices?

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.

• Frequent insurance claims will increase rates – Car insurance companies provide the lowest premiums to insureds who are claim-free. If you file a lot of claims you can pretty much guarantee either policy cancellation or increased premiums. Auto insurance is intended for the large, substantial claims.
• Older drivers are lower risk – Teen drivers tend to be less responsible in a vehicle therefore insurance coverage rates are much higher. Mature drivers are viewed as being more responsible, statistically cause fewer accidents and get fewer tickets.
• Females tend to cost less – Over time, data shows that men are more aggressive behind the wheel. The data does not necessarily mean that women are BETTER drivers than men. Males and females cause fender benders at a similar rate, but the male of the species have costlier accidents. In addition to higher claims, males also get more serious tickets like reckless driving and DUI.
• Liability insurance is cheap – Liability insurance is the protection when a jury decides you are liable for physical damage or personal injury to other. It will provide you with a defense in court which can cost thousands of dollars. This coverage is relatively inexpensive compared to physical damage coverage, so drivers should buy more than the minimum limits required by law.
• Get better rates if married – Having a spouse can get you a discount when shopping for insurance coverage. It translates into being less irresponsible and insurance companies like that married couples file fewer claims.
• Lower rates with alarms and GPS tracking – Buying a car that has an advanced theft prevention system can help lower your rates. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping auto theft.
• lapses raise insurance coverage rates – Driving without insurance coverage in place is a misdemeanor and insurance coverage companies will penalize you for letting your insurance lapse for non-payment. Not only will you pay more, not being able to provide proof of insurance will get you fines and jail time.
• Lower rates for safer vehicles – Vehicles that have high safety ratings tend to be cheaper to insure. Safer cars have better occupant injury protection and reduced instances of injuries means less money paid by your insurance company and cheaper rates on your policy. If your Ford Focus ST is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it may cost less to insure.

Special considerations

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.

• When should I buy a commercial auto policy?
• What companies insure drivers after a DUI or DWI?
• Should I have combined single limit or split liability limits?
• Is my cargo covered for damage or theft?
• What is UM/UIM insurance?
• If my pet gets injured in an accident are they covered?
• Am I covered if my car is in a flood?
• What is an SR-22 filing?

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.

Coverage specifics

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.

Medical payments coverage and PIP

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

Uninsured/Underinsured Motorist coverage

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 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.

Auto liability

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

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.

In Summary

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.

Much more information about insurance can be found below:

• Understanding Car Crashes Video (iihs.org)
• Who Has the Cheapest Car Insurance Rates for a Ford Focus in Corpus Christi? (CorpusChristiCoverage.com)
• What is Full Coverage? (Allstate)
• Tread Depth and Tire Safety (State Farm)
• Auto Crash Statistics (Insurance Information Insitute)