Looking for better insurance rates? Shoppers have lots of choices when shopping for low-cost Ford Focus ST insurance. You can either spend your time struggling with agents getting price quotes or save time using the internet to make rate comparisons. There are both good and bad ways to compare insurance rates and we’ll show you the best way to get price quotes for a new or used Ford and locate the lowest possible price either online or from local insurance agents.
It’s a great practice to price shop coverage periodically because insurance prices change quite often. Even if you think you had the lowest price on Focus ST insurance a year ago you can probably find a lower rate today. Ignore everything you know about insurance because you’re about to learn the fastest way to get good coverage at a lower rate.
There are several ways you can shop for insurance and some are more efficient than others. You can spend countless hours discussing policy coverages with local insurance agents in your area, or you could use the web to get rate comparisons in just a few minutes.
Most major companies enroll in a system that allows shoppers to submit one quote, and at least one company returns a rated price based on that information. This saves time by eliminating quote forms to each individual insurance company.
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One minor caviat to pricing coverage this way is you cannot specify which companies to receive prices from. So if you want to select from a list of companies to receive pricing from, we have assembled a list of the cheapest insurance companies in your area. Click to view list.
It’s up to you which method you use, but be sure you’re using nearly identical deductibles and coverage limits with every price quote. If each company quotes different data it’s impossible to make a fair rate comparison.
When buying proper insurance coverage, there really is not a “best” method to buy coverage. Every situation is different.
For instance, these questions can aid in determining if you may require specific advice.
If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form. It only takes a few minutes and can help protect your family.
Knowing the specifics of a insurance policy aids in choosing the best coverages and proper limits and deductibles. Insurance terms can be difficult to understand and coverage can change by endorsement.
Collision – This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage pays for things such as sideswiping another vehicle, crashing into a ditch, scraping a guard rail and rolling your car. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to raise the deductible to get cheaper collision coverage.
Coverage for liability – Liability coverage protects you from injuries or damage you cause to a person or their property by causing an accident. This insurance protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.
Liability insurance covers claims such as bail bonds, loss of income, medical expenses, repair costs for stationary objects and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a personal decision, but consider buying higher limits if possible.
Comprehensive coverage (or Other than Collision) – This will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for things such as hitting a deer, hitting a bird and hail damage. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
Insurance for medical payments – Medical payments and Personal Injury Protection insurance pay for expenses for rehabilitation expenses, chiropractic care, surgery and doctor visits. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers you and your occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible
Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Focus ST.
Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.