Compare 2016 Ford Focus ST Insurance Quotes

Searching for cheaper car insurance rates for your Ford Focus ST? No one likes buying car insurance, particularly when they are paying too much. Many auto insurance companies vie for your hard-earned dollar, and because of this it can be hard to compare insurers and get the best coverage at the best price available.

Informed drivers save on insurance

Many factors are used when quoting car insurance. Some are obvious like a motor vehicle report, although others are more transparent like where you live or your vehicle rating.

Shown below are just a few of the factors used by your company to calculate your premiums.

  • Annual mileage and car insurance premiums – The more you drive annually the more it will cost to insure it. Most companies calculate rates based upon how much you drive. Autos that have low annual miles can get a lower rate than cars that get driven a lot. Having an incorrect usage rating on your Focus ST may be wasting your money. Verify your vehicle rating properly reflects the correct usage for each vehicle.
  • Do you work long hours in a high stress vocation? – Occupations like real estate brokers, social workers and stock brokers usually pay the highest average rates attributed to stressful work requirements and lengthy work days. Conversely, careers like professors, historians and homemakers have lower than average premiums on Focus ST insurance.
  • Gender matters – Over time, data shows that females take fewer risks when driving. Now that doesn’t mean females are better at driving than males. Both genders tend to get into fender benders in similar percentages, but guys cause more damage and cost insurance companies more money. Not only are claims higher, but men get ticketed for serious violations such as DWI and reckless driving.
  • Safer occupants lowers premiums – Safe vehicles cost less to insure. The safest vehicles reduce occupant injuries and better occupant protection translates into fewer and smaller insurance claims and cheaper rates on your policy.
  • Car plus home equals more savings – Some insurance companies apply a discount for people who carry more than one policy. It’s known as a multi-policy discount. Even though this discount sounds good, consumers should still get quotes from other companies to help ensure you have the lowest rates. It’s possible to still save money even if you insure with multiple companies
  • Where you reside is a factor – Having an address in small towns and rural areas can save you money when trying to find low car insurance rates. Fewer drivers on the road translates into fewer accidents. City drivers regularly have more aggressive driving styles and much longer commute distances. Spending more time driving means higher likelihood of an accident.
  • Cheaper rates with high comp and collision deductibles – Protection for physical damage, aka comp and collision, covers your vehicle from damage. Some examples of claims that would be covered are colliding with a building, hitting a deer, and damage caused by flying debris. Comprehensive and collision coverage deductibles tell how much you are willing to pay if a covered claim is submitted. The more damage repair cost you’re willing to pay, the better rate you will receive on Focus ST insurance.

Insurance coverage companies offer many types of discounts

Companies do not advertise all available discounts very clearly, so here is a list a few of the more common and also the lesser-known insurance coverage savings. If you are not receiving all the discounts possible, you could be getting lower rates.

  • First Accident Forgiveness – Not really a discount, but certain companies will let one accident slide before your rates go up with the catch being you have to be claim-free prior to the accident.
  • E-sign Discounts</strong – A few larger online companies provide a small discount for buying a policy and signing up on their website.
  • Federal Government Employee – Federal government employees could qualify for a slight premium decrease on Focus ST insurance with select insurance companies.
  • Mature Driver Discount – Drivers over the age of 55 may receive reduced rates on Focus ST insurance.
  • Discount for Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can get savings of more than 20%.
  • Discount for Life Insurance – Larger insurance coverage companies have a discounted rate on car insurance if you buy life insurance from them.
  • Drivers Ed for Students – Teen drivers should sucessfully take a drivers education course as it will make them better drivers and lower rates.

It’s important to note that some of the credits will not apply to the entire policy premium. A few only apply to individual premiums such as liability, collision or medical payments. So despite the fact that it appears all those discounts means the company will pay you, you won’t be that lucky.

To find companies who offer online insurance coverage quotes, click here to view.

Do I just need basic coverages?

When it comes to buying the right insurance coverage, there isn’t really a “best” method to buy coverage. Every insured’s situation is different so this has to be addressed. For instance, these questions can aid in determining whether or not you will benefit from professional help.

  • How do I insure my teen driver?
  • At what point should I drop full coverage?
  • Where can I find DUI or SR-22 insurance?
  • How do I buy GAP insurance?
  • When should I not file a claim?
  • What is roadside assistance coverage?
  • Is my cargo covered for damage or theft?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an agent. To find lower rates from a local agent, complete this form or click here for a list of car insurance companies in your area. It is quick, free and can help protect your family.

Insurance policy specifics

Understanding the coverages of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Listed below are the normal coverages found on most insurance policies.

Comprehensive auto coverage

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as hitting a deer, rock chips in glass, hitting a bird, fire damage and a broken windshield. The most you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like hospital visits, rehabilitation expenses, dental work and chiropractic care. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states and may carry a deductible

Liability auto insurance

This coverage will cover damage that occurs to a person or their property in an accident. It protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims such as medical expenses, emergency aid, pain and suffering and medical services. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and damage to your Ford Focus ST.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Collision protection

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as driving through your garage door, backing into a parked car, sustaining damage from a pot hole, hitting a mailbox and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Do the work, save more money

Budget-friendly car insurance can be sourced both online and from local agencies, so you need to quote insurance with both to get a complete price analysis. A few companies do not offer the ability to get a quote online and these regional carriers only sell coverage through independent insurance agents.

When buying insurance coverage, it’s a bad idea to buy lower coverage limits just to save a few bucks. There have been many cases where someone dropped physical damage coverage to discover at claim time that it was a big error on their part. Your aim should be to buy a smart amount of coverage at an affordable rate but still have enough coverage for asset protection.

Additional information can be read at these links:

Comments About 2016 Ford Focus ST Insurance

  1. Leeann Estes

    Live in Kailua, HI. Compared quite a few companies. Saved darn near $30 a month. GEICO was the cheapest option for me.

  2. Lieselotte Perez

    Hope my rates come down. From a town just southwest of San Jose, CA. Compared rates from a lot of places. Saved darn near $50 a month. Progressive was the best choice for me. It’s easy to compare rates online now.

  3. Michal Battle

    From north side of Tucson, AZ. Checked online prices for a 2016 Ford Focus ST. Ended up at about $500 savings annually. Went with Allstate. Get lots of quotes to find the best rate.

  4. Julie Dunlap

    I found pretty cheap rate quotes for a 2016 Ford Focus ST in Mesa, Arizona. Ended up at roughly $140 every six months with AIG Insurance.

  5. Mckinley Walls

    I drive uninsured.

  6. Shawanda Hines

    I went with GEICO at renewal. Best rates in San Diego, CA. Left Amica to switch. Even increased my liability limits. I got prices on the web.

  7. Elvia Daugherty

    Like your site, BTW. From Las Vegas, Nevada. Quoted a bunch of companies. Saved roughly $60 a month. 21st Century was the best choice for me. Insured with Hartford before.

  8. Renay Merritt

    Went with Sentry for my 2016 Ford Focus ST and cut my rates about $330 a year. Left State Farm to switch. They have a lot of discounts available.

  9. Coleman Merrill

    What is UM/UIM coverage?

  10. Silvia Lowery

    Live in the southern part of Jersey City, NJ. Got free quotes online for a 2016 Ford Focus ST. Ended up at about $550 savings annually. Went with Allstate. Bought it from an online quote.

  11. Christinia Huber

    Located in Grand Forks, ND. I don’t recall every quote but I ended up saving about $50 each month. Insured with Progressive before. I used their website to get prices.

  12. Aileen Waller

    I’m in Bismarck, ND, and 21st Century rates were affordable.

  13. Billye Dennis

    What is comprehensive coverage?

  14. Corrie Mendoza

    I’m in Seattle, WA. Not sure of all the companies but I ended up saving about $50 each month.

  15. Lavern Simon

    Any claims experience with 21st Century in Buffalo, New York?