2015 Ford Fiesta Insurance Cost – 9 Savings Tips

Are you sick and tired of wondering where the money will come from to pay your insurance bill each month? Your situation is no different than most other vehicle owners. Numerous auto insurance companies battle for your insurance dollar, and it can be difficult to compare rates and uncover the absolute lowest rate

Take these nine policy discounts and save

Auto insurance can be pricey, but you might be missing out on some discounts to reduce the price significantly. Some trigger automatically at quote time, but some may not be applied and must be specially asked for prior to receiving the credit. If you don’t get every credit you qualify for, you could be paying more than you need to.

  • Homeowners Discount – Owning a home can save a few bucks since home ownership is proof that your finances are in order.
  • College Student – College-age children living away from home attending college and do not have access to a covered vehicle may be insured at a cheaper rate.
  • Discounts for Federal Employees – Having worked for a branch of the government can earn a discount up to 10% for Fiesta insurance but check with your company.
  • Driver’s Ed – Cut your cost by having your teen driver complete a driver education course in high school.
  • Savings for New Vehicles – Adding a new car to your policy can save up to 30% since new vehicles are generally safer.
  • Professional Organizations – Being a member of certain professional organizations could qualify you for a break when getting a insurance coverage quote.
  • Paper-free Discount – Some of the larger companies give back up to $50 for buying your policy on the web.
  • ABS Braking Discount – Vehicles that have steering control and anti-lock brakes have fewer accidents and will save you 10% or more.
  • Auto/Life Discount – Auto insurance companies who offer life insurance give a small discount if you purchase life insurance.

You should keep in mind that most of the big mark downs will not be given to the entire cost. Most only cut the price of certain insurance coverages like comp or med pay. Even though it appears you would end up receiving a 100% discount, it just doesn’t work that way. But all discounts will lower your policy premiums.

Large auto insurance companies and their offered discounts are shown below.

  • State Farm may include discounts for Steer Clear safe driver discount, defensive driving training, multiple policy, accident-free, safe vehicle, and good student.
  • GEICO offers premium reductions for good student, federal employee, multi-policy, defensive driver, driver training, daytime running lights, and membership and employees.
  • Progressive may offer discounts for continuous coverage, online quote discount, good student, multi-policy, and multi-vehicle.
  • 21st Century has discounts for teen driver, early bird, theft prevention, student driver, and defensive driver.
  • American Family has savings for early bird, good student, defensive driver, bundled insurance, TimeAway discount, good driver, and air bags.
  • The Hartford policyholders can earn discounts including bundle, anti-theft, driver training, good student, and defensive driver.
  • AAA includes discounts for pay-in-full, multi-policy, anti-theft, education and occupation, good driver, and multi-car.

If you need the cheapest insurance coverage quotes, ask every company how you can save money. Some discounts listed above might not be offered in every state. For a list of companies that offer multiple discounts, click here to view.

How to buy auto insurance

There are multiple methods to compare auto insurance quotes, but one way is easier and takes less work. You can spend your afternoon discussing policy coverages with local insurance agents in your area, or you can utilize online quoting to get the quickest rates.

Most major companies take part in a program that enables customers to enter their coverage request one time, and every company can provide price quotes based on that data. This prevents consumers from doing quote forms to each company.

To find out what other companies charge click here to open in new window.

The one disadvantage to pricing coverage this way is that consumers can’t choose which carriers to receive prices from. So if you want to choose individual companies to compare rates, we put together a list of low cost auto insurance companies in your area. Click to view list.

How you compare quotes is your choice, just make darn sure you compare exactly the same information for each comparison quote. If each company quotes unequal deductibles or liability limits it’s not possible to determine the lowest rate for your Ford Fiesta.

Which policy gives me the best coverage?

When it comes to choosing adequate coverage, there isn’t really a single plan that fits everyone. Everyone’s needs are different so your insurance needs to address that. For instance, these questions can help discover whether your personal situation could use an agent’s help.

  • Should I file a claim if it’s only slightly more than my deductible?
  • Does having multiple vehicles earn me a discount?
  • Do I have coverage when making deliveries for my home business?
  • If my pet gets injured in an accident are they covered?
  • Is my babysitter covered when using my vehicle?
  • What companies insure drivers after a DUI or DWI?
  • Does coverage extend to my business vehicle?
  • Am I covered if I break a side mirror?
  • Is extra glass coverage worth it?
  • Do I need PIP (personal injury protection) coverage in my state?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of insurance companies in your area. It only takes a few minutes and may give you better protection.

Insurance policy coverages for a Ford Fiesta

Having a good grasp of your policy can help you determine which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. These are the normal coverages found on the average insurance policy.

Collision protection

Collision coverage pays for damage to your Fiesta resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like sideswiping another vehicle, damaging your car on a curb, crashing into a building and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to increase the deductible to save money on collision insurance.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like hitting a bird, a broken windshield, damage from a tornado or hurricane, damage from flooding and a tree branch falling on your vehicle. The most a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your Ford Fiesta.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Liability insurance

This coverage provides protection from damage or injury you incur to people or other property that is your fault. It protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage pays for claims like loss of income, legal defense fees, court costs, structural damage and bail bonds. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for expenses like rehabilitation expenses, nursing services and EMT expenses. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

And the best car insurance company is…

As you quote insurance coverage, never sacrifice coverage to reduce premiums. There are too many instances where an insured dropped physical damage coverage only to find out they didn’t have enough coverage. The aim is to buy enough coverage at the best possible price, but don’t skip important coverages to save money.

You just learned many ideas to compare 2015 Ford Fiesta insurance prices online. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. You may be surprised to find that the lowest prices come from the smaller companies. Smaller companies may only write in your state and offer lower rates as compared to the big name companies such as State Farm, GEICO and Nationwide.

Some companies don’t offer rate quotes online and these small, regional companies work with local independent agencies. Budget-friendly insurance can be sourced from both online companies and also from your neighborhood agents, and you should compare rates from both to get a complete price analysis.

Additional information is available below:

Comments About 2015 Ford Fiesta Insurance

  1. Camilla Lyons

    Are Progressive rates cheap in Colorado?

  2. Ida Wooten

    I live in a small town just outside of Eugene, OR. Checked online prices for a 2015 Ford Fiesta. Ended up at about $130 savings annually. Went with 21st Century. They have a lot of discounts available. Hardly afford to drive anymore.

  3. Caron Vazquez

    I live in a small town just outside of Henderson, Nevada. I don’t recall every quote but I ended up saving about $50 each month. I have a teen driver too.

  4. Kami Barr

    Lifelong resident of Parkersburg, WV. Can’t remember who all I quoted but I ended up saving about $30 each month. Teenage drivers are expensive! I used their website to get prices.

  5. Hong Jennings

    I think I’m paying too much. I’m from Allentown, PA. I got free quotes with AIG Insurance, MetLife, and USAA for my Ford and I’m now saving $56 a month. Was with Erie. I have a teen driver too. Can still barely afford it.

  6. Marquetta Zimmerman

    If you have a good history and are close to Allentown, Pennsylvania, check out 21st Century. They seem to be cheaper. Insured with Encompass before.

  7. Nicky Fernandez

    If you have a good history and live around Dallas, TX, check out GEICO. You might get cheaper rates. Insured with Western Auto Insurance before. I get multi-vehicle and multi-policy discounts. Not sure if rates are cheaper online or through an agent.