Do you think you bought an underperforming, overpriced insurance coverage policy? Believe me when I say you’re not alone. Big companies like Geico, 21st Century and Progressive persitently shower you with ads and it can be hard to ignore the flashy ads and effectively compare rates to find the best deal.
It’s smart to shop coverage around before your next renewal because insurance coverage prices trend upward over time. Just because you found the best deal on Focus RS insurance a couple years back you will most likely find a better premium rate today. There is a lot of bad advice regarding insurance coverage online, but in a few minutes you can learn some great ideas on how to save money.
Insurance can cost an arm and a leg, but there may be some discounts that you may not even know about. Certain discounts will be triggered automatically when you complete an application, but occassionally some discounts must be requested specifically prior to receiving the credit.
Don’t be surprised 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 liability, collision or medical payments. Despite the appearance that having all the discounts means you get insurance for free, nobody gets a free ride.
Car insurance companies that may offer policyholders most of these discounts include:
When quoting, ask each company how you can save money. Discounts may not be offered in your area. If you would like to view insurers who offer discounts, click here.
Performing a rate comparison can take hours if you don’t know the most efficient way to do it. You can spend your afternoon talking to insurance companies in your area, or you could save time and use online quotes to get rates in a matter of minutes.
The majority of car insurance companies take part in a program that allows shoppers to submit their information once, and at least one company can provide price quotes based on that data. This prevents consumers from doing quote forms for each company you want a rate for.
To compare pricing click to open in new window.
The single downside to doing it this way is you cannot specify the providers you want to price. So if you want to select individual companies to compare rates, we have a page of auto insurance companies in your area. Click to view list.
You can use whichever method you prefer to find lower rates, just make absolute certain that you use nearly identical information with each company. If you enter different coverage information it’s not possible to decipher which rate is best.
Multiple criteria are taken into consideration when you get your auto insurance bill. Some factors are common sense such as your driving record, but others are more transparent like where you live or how financially stable you are.
When buying the right insurance coverage, there isn’t really a perfect coverage plan. Every situation is different so your insurance needs to address that. For instance, these questions may help you determine if your insurance needs could use an agent’s help.
If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, free and may give you better protection.
Consumers can’t escape the ads that claim the best prices by State Farm, Geico and Progressive. They all seem to convey the message that drivers will save a bundle if you move to their company.
How does every auto insurance company make almost identical claims? Here is the trick they use.
Many companies have a certain “appetite” for the type of driver that earns them the most money. A good example of a desirable insured may be a female over age 40, has never had a claim, and has great credit. A propective insured who meets those qualifications receive the lowest rate quotes and as a result will probably save when switching.
Potential insureds who do not meet those criteria will probably have to pay higher premiums which translates to the customer buying from someone else. If you pay close attention to the ads, they say “people that switch” not “all people who quote” save that kind of money. That’s why companies can truthfully make claims like that.
Because of the profiling, you absolutely need to get a wide range of price quotes. It’s just not possible to know the company that will be your best fit.
Learning about specific coverages of insurance can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverage types offered by insurance companies.
This pays for damage to your Focus RS caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.
Collision coverage protects against things like driving through your garage door, damaging your car on a curb, hitting a parking meter and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to increase the deductible to save money on collision insurance.
This pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims like rock chips in glass, a tree branch falling on your vehicle and fire damage. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.
This protects you from injuries or damage you cause to a person or their property. It protects you from claims by other people. It does not cover damage to your own property or vehicle.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Occasionally you may see a combined limit which limits claims to one amount with no separate limits for injury or property damage.
Liability can pay for claims such as structural damage, emergency aid and court costs. How much liability should you purchase? That is a decision to put some thought into, but buy as high a limit as you can afford.
Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and also any damage incurred to your Ford Focus RS.
Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Most of the time the UM/UIM limits do not exceed the liability coverage limits.
Coverage for medical payments and/or PIP pay for short-term medical expenses such as EMT expenses, hospital visits, ambulance fees, prosthetic devices and X-ray expenses. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage
Cheap 2017 Ford Focus RS insurance is definitely available online as well as from insurance agents, so get free insurance quotes from both of them in order to have the best price selection to choose from. Some auto insurance companies do not offer online price quotes and most of the time these regional carriers only sell coverage through independent insurance agencies.
We just covered some good ideas how you can save on 2017 Ford Focus RS insurance. The key concept to understand is the more you quote insurance, the better chance you’ll have of finding cheaper insurance. Consumers may even find the lowest priced auto insurance comes from an unexpected company. Smaller companies may cover specific market segments cheaper than the large multi-state companies such as State Farm and Allstate.
Additional detailed information can be read in these articles:
Good site, thanks. I’m in the north part of Gulfport, MS. Received quotes from Auto-Owners, Encompass, and MetLife for my 2017 Ford Focus RS and saved just over $510 a year. My new agent seems to be really good. They offer free online rate quotes.
Are GEICO rates cheap in Missouri?
I’m in Raleigh, NC. I got free rates from MetLife, Erie, GEICO, and AAA for my 2017 Ford Focus RS and saved just over $190 a year. I have several vehicles insured with them. I just quoted rates online.
Will GEICO give a discount for driver training?
Great site. I’m in the suburbs of Minneapolis, MN. Quoted prices online for a 2017 Ford Focus RS. Ended up at about $330 savings annually. Went with 21st Century. Was with The General.
If you have a clean record and live in the vicinity of Aurora, IL, check out GEICO. They seem to be cheaper. Insured with AIG Insurance before. Good savings if you bundle. They offer free online rate quotes.