2017 Ford Fiesta Insurance Quotes – 9 Discounts for Cheaper Rates

No one in their right mind enjoys paying for auto insurance, particularly when they could find better prices if they shop around.

You have multiple insurers to insure vehicles with, and though it is a good thing to have a selection, it can be more challenging to compare rates.

You should make it a habit to shop coverage around every six months because auto insurance prices fluctuate regularly. Even if you think you had the best rate for Fiesta coverage at your last renewal you will most likely find a better premium rate today. Forget all the misinformation about auto insurance because you’re about to learn how to quote online to reduce your cost while improving coverage.

First Step: Get free insurance coverage quotes

Most major insurance companies like Allstate, Geico and Progressive allow you to get prices for coverage directly from their websites. Comparing rates online is pretty easy because you just enter the coverage amounts you desire into the quote form. After you complete the form, the system collects your driving record and credit report and returns a price based on the data you entered. Being able to quote online simplifies rate comparisons, but the time it takes to visit many different websites and complete many quote forms can be a bit tiresome and repetitive. But it’s absolutely necessary to get many rate quotes if you want to find a lower rate.

A better way to lower your insurance coverage bill requires only one form that obtains quotes from a lot of companies. It saves time, eliminates repetitive work, and makes quoting online much easier. Once the form is submitted, it gets priced with multiple companies and you can pick any one of the quotes that you receive.

If you find a better price you can click and sign and buy the policy. The entire process can be completed in less than 10 minutes and you will find out if you’re overpaying now.

To save time and compare rates now, click here and complete the simple form. If you have coverage now, it’s recommended you copy the limits and deductibles identical to your current policy. Doing this assures you will have rate comparison quotes for similar coverage.

Do you qualify for discount auto insurance?

The cost of insuring your cars can be expensive, but there could be available discounts to help bring down the price. Certain discounts will be triggered automatically when you quote, but less common discounts must be specifically requested before they will apply. If you’re not getting every credit you qualify for, you could be paying more than you need to.

  • Senior Citizens – Mature drivers can get lower premium rates for Fiesta coverage.
  • Sign Online – Some auto insurance companies will provide an incentive for buying your policy online.
  • Theft Deterent Discount – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen and that can save you a little bit as well.
  • Government Employees – Being employed by or retired from a federal job may qualify for a discount when you quote auto insurance for Fiesta coverage with a few auto insurance companies.
  • Resident Student – College-age children who attend college more than 100 miles from home and won’t have access to an insured vehicle may be insured at a cheaper rate.
  • Sign Early and Save – A few larger companies give discounts for switching to them prior to the expiration date on your current policy. This discount can save up to 10%.
  • Auto/Home Discount – If you have multiple policies and insure them with the same company you will save 10% to 20% off each policy.
  • Driver Safety – Participating in a course that instructs on driving safety could save 5% or more and easily recoup the cost of the course.
  • One Accident Forgiven – but some companies like Liberty Mutual, Allstate and State Farm will turn a blind eye to one accident without raising rates if you have no claims before the accident.

Please keep in mind that some credits don’t apply to your bottom line cost. Most only apply to the cost of specific coverages such as liability and collision coverage. Just because you may think all those discounts means the company will pay you, you aren’t that lucky. But any discount should help reduce your overall bill.

Companies and some of the premium reductions they offer are outlined below.

  • Geico offers discounts including emergency military deployment, membership and employees, seat belt use, five-year accident-free, and driver training.
  • SAFECO may include discounts for bundle discounts, anti-lock brakes, homeowner, accident prevention training, drive less, multi-car, and safe driver.
  • State Farm may offer discounts for student away at school, good student, Steer Clear safe driver discount, defensive driving training, driver’s education, and passive restraint.
  • MetLife may have discounts that include good student, defensive driver, multi-policy, claim-free, and good driver.
  • 21st Century policyholders can earn discounts including defensive driver, air bags, student driver, early bird, anti-lock brakes, driver training, and homeowners.
  • Progressive offers premium reductions for online quote discount, continuous coverage, homeowner, multi-policy, multi-vehicle, and online signing.

When getting free auto insurance quotes, it’s a good idea to each company to give you their best rates. Discounts might not be offered in your area.

What insurance coverages do I need?

When it comes to choosing coverage, there isn’t really a cookie cutter policy. Each situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that might help in determining if your insurance needs might need an agent’s assistance.

  • Is my nanny covered when driving my vehicle?
  • Who is covered when they drive my 2017 Ford Fiesta?
  • When would I need rental car insurance?
  • When should I not file a claim?
  • Do I have any recourse if my insurance company denies a claim?
  • Am I covered if I wreck a rental car?

If it’s difficult to answer those questions then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance companies in your area.

Auto insurance coverage breakdown

Knowing the specifics of a auto insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. Auto insurance terms can be confusing and nobody wants to actually read their policy. These are the normal coverages found on the average auto insurance policy.

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

Comprehensive can pay for things such as hitting a bird, rock chips in glass and damage from flooding. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability car insurance – This coverage provides protection from damage that occurs to a person or their property by causing an accident. This coverage protects you from claims by other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Occasionally you may see a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims like funeral expenses, medical expenses and attorney fees. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford.

Collision coverages – This coverage will pay to fix damage to your Fiesta resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as colliding with a tree, sustaining damage from a pot hole, driving through your garage door, damaging your car on a curb and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It’s also possible to increase the deductible to bring the cost down.

Coverage for medical expenses – Coverage for medical payments and/or PIP pay for short-term medical expenses for ambulance fees, nursing services, prosthetic devices, EMT expenses and rehabilitation expenses. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers – This provides protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your 2017 Ford Fiesta.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Normally these limits are similar to your liability insurance amounts.

Comments About 2017 Ford Fiesta Insurance

  1. Kristle Padilla

    I got decent rates for a 2017 Ford Fiesta in Baton Rouge, LA. Ended up at about $550 every six months with Amica. Was with Safeco.

  2. Juliann King

    If you have a good history and live in the vicinity of Lewiston, ME, check out GEICO. You might save some money. They offer free online rate quotes.

  3. Gerald Mercado

    I got quite a few price quotes for a 2017 Ford Fiesta in Springfield, Massachusetts. Ended up at about $160 every six months with American Family. Left Liberty Mutual to switch. Have a couple speeding tickets too. Just waiting to see how claims go.

  4. Shantell Dickson

    Is 21st Century or Eastwood cheap in Rutland, VT?

  5. Sharla Woodward

    Found cheapest coverage with 21st Century for my 2017 Ford Fiesta and saved about $190 a year.

  6. Janel Barber

    Is State Farm cheaper than American Family in Virginia Beach, VA?

  7. Sylvia Ruiz

    Not sure what I should be paying. I live on the west side of Colorado Springs, CO. Quoted with Auto-Owners, Nationwide, and USAA for my Ford and I think I cut my rates about $70 each month. Got better coverage too. You can get a rate quote online.

  8. Carie Koch

    Liked the article. Proud to be from Greensboro, NC. I quoted with AAA, MetLife, and some smaller one I can’t remember the name of for my Fiesta and saved just over $570 a year.

  9. Weston Flowers

    Can I get replacement cost coverage for a 2017 Ford Fiesta?

  10. Brook Aguilar

    I’ve insured with State Farm for a long time. Pretty cheap in Raleigh, NC.

  11. Berry Hurst

    I found pretty cheap rate quotes for a 2017 Ford Fiesta in South Burlington, Vermont. Ended up at roughly $350 every six months with AAA.

  12. Fatimah Hunt

    I live south of Memphis, TN and for me Progressive had the lowest quote. Thankfully I’m not a high risk driver. You can get a rate quote online.