Lower Your 2016 Ford Fiesta Car Insurance Rates

Trying to find better insurance rates for your Ford Fiesta? Searching for better insurance prices for a Ford Fiesta can be difficult, but you can follow the following methods and make it easy. There is a right way and a wrong way to compare insurance rates so we’re going to tell you the proper way to get price quotes on a Ford and obtain the cheapest rates.

If you have a current insurance coverage policy or need new coverage, you can use these techniques to find better prices and possibly find even better coverage. Shopping for the best insurance coverage coverage can be fairly easy. Drivers just need to know the proper methods to shop online.

How to get insurance coverage price quotes

Lowering your 2016 Ford Fiesta insurance coverage rates is not a difficult process. Just take time to compare rate quotes from different insurance companies. It is quite easy and can be accomplished using one of these methods.

  1. The most efficient method to get quotes would be an industry-wide quote request form (click to open form in new window). This quick form prevents you from having to do separate quotes for every insurance coverage company. One simple form gets you coverage quotes from several companies. Recommended for those who want to invest the least amount of time.
  2. A different way to get comparison quotes consists of going to each company’s website and request a quote. For sake of this example, let’s say you want comparison quotes from State Farm, Allstate and Liberty Mutual. In order to get each rate, you would have to go to every website and repeatedly type in your coverage information, which can get old fast.

    To view a list of companies in your area, click here.

  3. The least recommended way to do your price quoting is going to local insurance agencies. Doing it all online eliminates the middleman unless you want the trained advice of a local agency. However, consumers can get the lowest quotes online and get advice from an agent in your area.

Take whichever approach you prefer, but try to use apples-to-apples information for each comparison quote. If your comparisons have different values for each quote it will be next to impossible to make a fair comparison for your Ford Fiesta.

Discounts can really help lower rates

Car insurance can cost a lot, but discounts can save money and there are some available to help offset the cost. Some discounts will apply at quote time, but once in a while a discount must be specially asked for before you get the savings.

  • Telematics Data – Drivers who agree to allow companies to analyze their driving habits by using a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive could save a few bucks if they exhibit good driving behavior.
  • Safe Driver Discount – Drivers who don’t get into accidents could pay up to 40% less on Fiesta coverage than their less cautious counterparts.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control prevent accidents and earn discounts up to 10%.
  • Full Payment Discount – If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.
  • Lower Rates for Military – Having a family member in the military could mean lower insurance rates.
  • Theft Deterent – Vehicles that have factory alarm systems and tracking devices can help prevent theft and earn discounts up to 10% off your insurance quote.
  • Federal Employees – Simply working for the federal government may reduce rates when you quote insurance on Fiesta coverage depending on your insurance provider.
  • Discounts for Multiple Vehicles – Drivers who insure more than one vehicle with the same insurance company could earn a price break for each car.
  • Seat Belt Discounts – Using a seat belt and requiring all passengers to buckle up can save up to 10 percent (depending on the company) off the medical payments premium.

One last thing about discounts, many deductions do not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like comprehensive or collision. Even though it appears all those discounts means the company will pay you, insurance companies aren’t that generous.

A list of companies and a summarized list of policyholder discounts are included below.

  • Farmers Insurance offers premium reductions for homeowner, youthful driver, distant student, multi-car, good student, and alternative fuel.
  • Esurance offers discounts including good driver, claim free, renters, DriveSense, and Pac-12 alumni.
  • State Farm may include discounts for accident-free, defensive driving training, anti-theft, student away at school, and multiple policy.
  • GEICO has discounts for multi-policy, multi-vehicle, seat belt use, anti-lock brakes, and five-year accident-free.
  • Allstate offers discounts for anti-lock brakes, premier plus, 55 and retired, premier discount, eSmart discount, and farm vehicle.

If you are trying to find cheap insurance quotes, ask every prospective company to apply every possible discount. Some of the earlier mentioned discounts may not be available in your area.

Will just any policy work for me?

When it comes to choosing the right insurance coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s situation is unique.

For example, these questions might point out if your situation might need professional guidance.

  • What exactly is covered by my policy?
  • Should I get collision insurance on every vehicle?
  • Do I have coverage for damage caused while driving under the influence?
  • Should I sign the liability waiver when renting a car?
  • Are split liability limits better than a combined single limit?
  • Do I need more liability coverage?
  • Why is insurance for a teen driver so high?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and can help protect your family.

Specifics of your auto insurance policy

Learning about specific coverages of your auto insurance policy helps when choosing the right coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Liability

This will cover damage or injury you incur to other people or property. It protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability insurance covers claims such as emergency aid, repair costs for stationary objects, pain and suffering and attorney fees. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Medical costs insurance

Med pay and PIP coverage kick in for bills like hospital visits, prosthetic devices and rehabilitation expenses. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers you and your occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible

UM/UIM Coverage

This protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Fiesta.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Auto collision coverage

Collision insurance pays for damage to your Fiesta caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as driving through your garage door, crashing into a building and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision

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

Comprehensive can pay for claims such as damage from a tornado or hurricane, vandalism, hitting a deer and damage from getting keyed. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Comments About 2016 Ford Fiesta Insurance

  1. Charolette Rivers

    Hope my rates come down. I’m just west of Milwaukee, WI. Got free quotes online for a 2016 Ford Fiesta. Ended up at about $170 savings annually. Went with 21st Century. I’m a pretty good driver though. I got prices on the web.

  2. Etta Patel

    Will State Farm do a SR22 in New Jersey?

  3. Lavada Harris

    This is too expensive. From a town just southwest of Tacoma, Washington. Got prices from Progressive, Encompass, and Hartford for my 2016 Ford Fiesta and cut my rates about $550 a year. I increased coverages a little too. I just quoted rates online.

  4. Coleen Buckner

    From northwest of Norfolk, Virginia. Quoted with 21st Century, Esurance, and GMAC for my 2016 Ford Fiesta and saved just over $330 a year.

  5. Doreen Collins

    From northwest of Tucson, Arizona. Can’t remember who all I quoted but I ended up saving about $20 each month. Left GEICO to switch. I have kids on my policy, too. Not sure if rates are cheaper online or through an agent.

  6. Sandie Henry

    Cheaper not always better. I’m from Rutland, VT. Received quotes with State Farm, Encompass, and Liberty Mutual for my Fiesta and saved just over $420 a year. I even had a DUI years ago.

  7. Kristofer Cross

    Compared auto insurance prices with Allstate and Progressive but still not cheap enough.

  8. Emile David

    Quoted with Auto-Owners for my Ford and saved around $300 a year. Insured with Allstate before.

  9. Leslie Herring

    Lifelong resident of Springfield, MA. Got rates from Safeco, Encompass, GEICO, and AAA for my 2016 Ford Fiesta and saved just over $160 a year. Even increased coverage a bit.