2016 Ford Focus RS Insurance Rates – 6 Tricks for Cheapest Quotes

Looking for the cheapest auto insurance rates for your Ford Focus RS? Are you sick and tired of scraping nickels together each month for auto insurance? You’re in the same situation as millions of other vehicle owners. Popular companies such as Allstate, Liberty Mutual and State Farm constantly blast consumers with advertising and consumers find it hard to see past the geckos and flying pigs and do the work needed to find the best deal.

If you have insurance now or are just looking to switch companies, you can learn to find better prices and still get good coverage. Choosing the best insurance company for you is not that difficult. Vehicle owners only need to know the best way to get comparison rates over the internet.

Six discounts to earn cheap car insurance rates

Some insurance providers don’t list every policy discount in a way that’s easy to find, so the following is a list of a few of the more well known in addition to some of the lesser obvious discounts that may be available. If you are not receiving all the discounts available, you could be paying more than you need to.

  • New Car Discount – Putting coverage on a new car can save you some money because new vehicles have to meet stringent safety requirements.
  • Club Memberships – Belonging to specific professional or occupational memberships or organizations could qualify you for a break on car insurance.
  • Multi-car Discount – Buying insurance for primary and secondary vehicles with the same company can reduce rates for all insured vehicles.
  • Discount for Multiple Policies – When you have multiple policies and insure them with the same company you may save 10% to 20% off each policy.
  • Defensive Driver – Taking a course in driver safety is a good idea and can lower rates depending on where you live.
  • Accident Free – Drivers who don’t have accidents are rewarded with significantly better rates on insurance quote in comparison with accident-prone drivers.

As is typical with insurance, most of the big mark downs will not be given to the overall cost of the policy. A few only apply to individual premiums such as comp or med pay. Despite the fact that it seems like all the discounts add up to a free policy, companies don’t profit that way.

To see a list of insurance companies that offer multiple discounts, click here to view.

How to find the cheapest car insurance

Getting a more affordable price on 2016 Ford Focus RS insurance is not a difficult process. The only thing you need to do is invest a little time to compare free insurance quotes from online providers. Insurance prices can be quoted by using one of the methods below.

  • The fastest way to get quotes would be an industry-wide quote request form like this one (opens in new window). This quick form eliminates the need for multiple quote forms for every prospective company. In just a few minutes this one form gets you coverage quotes from multiple companies.
  • A slightly less efficient method to obtain and compare quotes online consists of going to the website for every company you want to comare and complete a new quote form. For instance, we’ll assume you are doing a rate comparison from Nationwide, State Farm and Liberty Mutual. To get rate quotes you would need to spend time on each company’s site to enter your coverage information, which explains why we recommend starting with the first method. For a list of links to insurance companies in your area, click here.

Take whichever approach you prefer, but make sure you use the exact same quote data on every price quote you get. If you have differing limits you can’t possibly decipher which rate is best.

Tailor your insurance coverage coverage to you

When buying the best insurance coverage coverage, there is no one size fits all plan. Everyone’s needs are different and your policy should reflect that. For instance, these questions might point out if your insurance needs might need an agent’s assistance.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What is high-risk coverage and where do I buy it?
  • Can my teen driver be rated on a liability-only vehicle?
  • Does liability extend to a camper or trailer?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Am I covered if I drive in a foreign country?
  • Am I covered if I crash into my own garage door?
  • Should I buy full coverage?
  • Is business property covered if stolen from my car?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

The ad said I’d save $488 a year!

Drivers can’t avoid all the ads for auto insurance savings from companies such as Allstate, GEICO and Progressive. All the companies make the same claim that you can save just by moving your coverage to them.

How does every auto insurance company give you a better price?

All the different companies are able to cherry pick for the type of driver that earns them the highest profit. For example, a profitable risk profile should be between 30 and 50, has no tickets, and the vehicle is rated for pleasure use. Any person who fits those characteristics gets the lowest premium rates and as a result will probably save quite a bit of money when switching.

Drivers who are not a match for the “perfect” profile may be forced to pay higher rates which leads to the prospect going elsewhere. The wording the ads use say “people who switch” not “everyone who quotes” save the amount stated. This is how companies can state the savings.

Each company has different criteria, so it is so important to do a quote comparison often. It’s just too difficult to predict the company that will give you the biggest savings.

Coverages available on your car insurance policy

Learning about specific coverages of your car insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. Car insurance terms can be impossible to understand and coverage can change by endorsement. These are typical coverage types found on the average car insurance policy.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as colliding with another moving vehicle, crashing into a building and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Comprehensive coverage

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like hitting a bird, a broken windshield and a tree branch falling on your vehicle. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability insurance

This protects you from damage or injury you incur to other’s property or people by causing an accident. This coverage protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for things like pain and suffering, medical expenses, court costs and medical services. How much coverage you buy is a personal decision, but buy as much as you can afford.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and damage to your Ford Focus RS.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for bills like doctor visits, X-ray expenses and EMT expenses. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. It covers you and your occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

At the end of the day…

You just read a lot of ways to compare 2016 Ford Focus RS insurance rates online. The key concept to understand is the more price quotes you have, the better your comparison will be. You may be surprised to find that the lowest priced car insurance comes from the least-expected company. Regional companies may have significantly lower auto insurance rates on certain market segments than the large multi-state companies such as Allstate and Progressive.

When trying to cut insurance costs, it’s a bad idea to sacrifice coverage to reduce premiums. There are many occasions where someone sacrificed physical damage coverage to discover at claim time that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy enough coverage at the lowest possible cost, not the least amount of coverage.

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Comments About 2016 Ford Focus RS Insurance

  1. Lupe Dickerson

    In Seattle, WA, Progressive auto insurance rates for my 2016 Ford Focus RS were good. Just waiting to see how claims go.

  2. Lacy Romero

    From Houston, TX. Got free quotes online for a 2016 Ford Focus RS. Ended up at about $130 savings annually. Went with State Farm. I got prices on the web.

  3. Hallie Robertson

    I’m in the west part of Indianapolis, IN. Quoted prices online for a 2016 Ford Focus RS. Ended up at about $480 savings annually. Went with Allstate. Insured with Progressive before. I even had a DUI years ago. Are quotes cheaper online?

  4. Alton Mathews

    If you don’t have tickets and live around Albuquerque, NM, check out 21st Century. They seem to be cheaper.

  5. Elna Mcpherson

    I found pretty cheap rate quotes for a 2016 Ford Focus RS in Boise, ID. Ended up at about $340 every six months with American Family. Was with Auto-Owners. It’s still not cheap enough.

  6. Cinda Dalton

    Thought I’d throw in my experience. I live south of Lexington, KY. Quoted rates from Hartford, American Family, Nationwide, and a couple others for my Ford and saved just over $410 a year.

  7. Miyoko Hess

    From Dover, DE. Can’t remember who all I quoted but I ended up saving about $60 each month. Teenage drivers are expensive!

  8. Larry Ruiz

    Will 21st Century raise rates for a rock chip claim?

  9. Fabiola Frye

    I compared a lot of rate quotes for a 2016 Ford Focus RS in Virginia Beach, VA. Ended up at about $170 every six months with AIG Insurance. Was with Eastwood. God forbid I actually have a claim.

  10. Mabelle Larson

    From Wilmington, DE. Compared rates from a lot of places. Saved right around $60 a month. Allstate was the cheapest for me.

  11. Bernie Jensen

    Here’s my info. Live in Great Falls, MT. Got car insurance prices from State Farm, Hanover, and Eastwood for my Focus RS and saved $540 a year. Can still barely afford it.