Lower Your 2014 Ford Fiesta Insurance Rates

Searching for the cheapest insurance rates for your Ford Fiesta? Locating the cheapest insurance for your Ford Fiesta can be a lot of work, but you can follow these tips to make it easier. There is a right way and a wrong way to compare insurance rates so you’re going to learn the proper way to price shop coverage for a Ford and find the cheapest rates.

If you are insured now or are looking for a new policy, you can learn to get lower rates while maintaining coverages. Locating affordable car insurance is quite easy. Vehicle owners only need an understanding of the best way to compare rates on the web.

The most recommended method to compare rates is to understand all the major auto insurance companies allow for online access to quote your coverage. To start a quote, the only thing you need to do is spend a couple of minutes providing details including if you lease or own, how much you drive, what you do for a living, and if you went to college. Your insurance information is submitted instantly to many highly-rated insurers and you get price estimates quickly.

Do you qualify for discount auto insurance?

Some providers do not list the complete list of policy discounts in a way that’s easy to find, so we took the time to find some of the best known as well as the least known auto insurance savings.

  • Defensive Driving Course – Passing a course that instructs on driving safety can save you 5% or more and easily pay for the cost of the class.
  • Driver Education Discount – Teen drivers should complete a driver education course if offered at their school.
  • Distant Student – College-age children who are attending college and do not have a car can be insured at a reduced rate.
  • Telematics Data Discounts – Drivers who elect to allow their company to track their driving habits through the use of a telematics system such as In-Drive from State Farm or Allstate’s Drivewise system might see lower rates as long as the data is positive.
  • Paperwork-free – A few companies will discount your bill up to fifty bucks for buying a policy and signing up on the web.
  • Discounts for Multiple Vehicles – Drivers who insure multiple cars or trucks on a single policy can reduce the rates for all insured vehicles.
  • Braking Control Discount – Cars equipped with ABS or steering control can reduce accidents and therefore earn up to a 10% discount.
  • Accident Free – Claim-free drivers have much lower rates as opposed to drivers who are more careless.
  • Home Ownership Discount – Owning a home may earn you a small savings because maintaining a house demonstrates responsibility.
  • Multiple Policy Discount – If you insure your home and vehicles with the same company they may give you a discount of as much as 10 to 15 percent.

It’s important to understand that many deductions do not apply to the entire cost. Most only reduce the cost of specific coverages such as collision or personal injury protection. Even though it appears you can get free auto insurance, you won’t be that lucky. Any amount of discount should help reduce your premiums.

Some companies that may offer these benefits include:

If you want cheaper insurance coverage quotes, ask every prospective company which discounts they offer. Depending on the company, some discounts may not be offered in your area. To locate providers with the best auto insurance discounts, click this link.

How do insurers determine Ford Fiesta insurance costs?

Lots of things are used in the calculation when you quote your car insurance policy. A few of the factors are predictable like a motor vehicle report, although some other factors are not as apparent such as your marital status and annual miles driven.

The factors shown below are most of the major factors that factor into your prices.

  • Insurance coverage rates can be impacted by your occupation – Do you have a high-stress occupation? Occupations such as doctorsairline pilots and dentists usually pay higher average rates in part from intense work requirements and long work days. On the other hand, occupations like professors, engineers and performers have lower than average premiums for Fiesta coverage.
  • Deter theft and save – Buying a car with a theft deterrent system can save you a little every year. Theft prevention devices like OnStar, LoJack tracking, and tamper alarms help track and prevent your car from being stolen.
  • Liability is cheap – Liability insurance is the protection if ever a jury decides you are liable for causing personal injury or damage in an accident. This coverage provides legal defense coverage which can be incredibly expensive. This coverage is very inexpensive compared to other policy coverages, so buy as much as you can afford.
  • Drive fewer miles and save – Driving a lot of miles annually the higher your rates will be. Many insurance companies calculate prices partially by how you use the vehicle. Autos that do not get driven very much can be on a lower rate level than cars that get driven a lot. It’s a good idea to make sure your insurance coverage coverage correctly shows the right rating data. Having an incorrect usage rating on your Fiesta can cost quite a bit.
  • Do you need those add-on coverages? – There are a ton of extra bells and whistles that you can buy if you don’t pay attention. Insurance for things like rental car coverage, accident forgiveness, and motor club memberships may be costing you every month. They may seem like a good idea when discussing your needs, but now you might not need them so remove them from your policy.
  • Credit history impacts premiums – An insured’s credit score will be a significant factor in calculating your premium rate. If your credit rating leaves room for improvement, you may save money insuring your 2014 Ford Fiesta if you clean up your credit. Insureds that have good credit tend to be less risk to insure than drivers with lower credit scores.
  • Cheaper rates by consolidating – Most larger insurers will give better rates to insureds that have more than one policy in the form of a multi-policy discount. Discounts can add up to ten or even fifteen percent. Even if you already get this discount, you may still want to get quotes from other companies to help ensure you have the lowest rates. You may still save more without the discount by insuring with multiple companies.

What insurance coverages do I need?

When choosing the best insurance coverage coverage, there really is no one size fits all plan. Each situation is unique.

For instance, these questions may help you determine if your insurance needs will benefit from professional help.

  • What is no-fault insurance?
  • Am I getting all the discounts available?
  • How do I file an SR-22 for a DUI in my state?
  • Does coverage extend to a rental car in a foreign country?
  • Do I have any recourse if my insurance company denies a claim?
  • When should I remove comp and collision on my 2014 Ford Fiesta?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance advertising gotchas

Consumers can’t ignore all the ads that claim the lowest auto insurance rates by GEICO, State Farm and Progressive. They all seem to tend to make the same promise about saving some big amount if you change your policy.

How does every company offer you a better deal? It’s all in how they say it.

Insurance providers have a certain “appetite” for the right customer that earns them the highest profit. One example of a profitable insured could be between 25 and 40, owns their home, and drives less than 7,500 miles a year. A customer who meets those qualifications will get a cheap rate quote and have a good chance to pay quite a bit less when switching companies.

Insureds who don’t qualify for the requirements will get higher premiums which results in the customer buying from a different company. If you listen to the ad wording, they say “people that switch” not “all people who quote” save money. That’s the way insurance companies can lure you into getting a quote. Because of this risk profiling, it’s extremely important to compare many company’s rates. Because you cannot predict which insurance companies will have better prices than you’re paying now.

Detailed coverages of your insurance policy

Understanding the coverages of a insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for bills for things like rehabilitation expenses, doctor visits, dental work and nursing services. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers you and your occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

Collision coverage pays for damage to your Fiesta from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like rolling your car, crashing into a building, crashing into a ditch, damaging your car on a curb and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to bring the cost down.

Auto liability

Liability coverage provides protection from damage or injury you incur to other’s property or people by causing an accident. This insurance protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability can pay for claims such as attorney fees, emergency aid, pain and suffering, loss of income and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as hail damage, damage from getting keyed and rock chips in glass. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and damage to your Ford Fiesta.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

What is YOUR best insurance company?

Discount 2014 Ford Fiesta insurance can be sourced on the web as well as from insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance companies do not provide online quoting and many times these regional carriers work with independent agents.

We’ve covered a lot of techniques to get a better price on 2014 Ford Fiesta insurance. It’s most important to understand that the more times you quote, the better likelihood of getting low cost insurance coverage. You may even discover the lowest car insurance rates come from a smaller regional carrier.

When buying insurance coverage, make sure you don’t buy lower coverage limits just to save a few bucks. There have been many cases where someone sacrificed collision coverage only to regret that their decision to reduce coverage ended up costing them more. The goal is to buy enough coverage at an affordable rate while still protecting your assets.

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Comments About 2014 Ford Fiesta Insurance

  1. Mana Gonzalez

    I’m in the west part of Raleigh, NC and for me GEICO had the lowest quote. Hopefully won’t need it.

  2. Maira Delaney

    I found pretty cheap rate quotes for a 2014 Ford Fiesta in Jacksonville, Florida. Ended up at darn near $440 every six months with AIG Insurance. Moved home policy as well. It never hurts to quote around.

  3. Madelaine Martin

    I live just to the west of Fort Smith, Arkansas. Got car insurance quotes from AIG Insurance, Safeco, and Western Auto Insurance for my 2014 Ford Fiesta and saved just over $250 a year. Not sure if rates are cheaper online or not.

  4. Candis Stephens

    Does 21st Century offer multi-policy discounts?

  5. Cicely Kennedy

    Great site. I live in a small town just outside of Great Falls, Montana. Quoted rates from Western Auto Insurance, Auto-Owners, The General, and Sentry for my Fiesta and I’m now saving $47 a month. I get multi-vehicle and multi-policy discounts. Hardly afford to drive anymore.

  6. Ida Bradley

    I found pretty cheap rate quotes for a 2014 Ford Fiesta in Newark, Delaware. Ended up at about $300 every six months with AAA. Left Auto-Owners to switch. Good savings if you bundle. It never hurts to quote around.

  7. Sage Salazar

    I was with Hartford last year but switched to State Farm. I live in Newark, Delaware. Insured with GEICO before. Thankfully I’m not a high risk driver. I recommend comparing lots of rates.

  8. Chantay Brooks

    Does Iowa require me to have car insurance?

  9. Lyla Merrill

    I’m in Montgomery, AL. I got free rates from American Family, MetLife, and a few others for my Ford and saved just over $250 a year. LOL

  10. Aurora Gallegos

    What exactly does liability cover?

  11. Jodee Lara

    Will State Farm give a discount for driver training?