Save on 2018 Ford Fiesta Insurance Quotes

Want better auto insurance rates for your Ford Fiesta? Locating the lowest cost auto insurance may seem to be rather difficult for beginners to price shopping online. With so many agents and insurers to choose from, how are people expected to efficiently compare every possible option in order to find cheaper auto insurance prices?

It’s a good idea to get comparison quotes occasionally since prices are variable and change quite frequently. Just because you found the best price for Fiesta coverage a couple years back the chances are good that you can find a lower rate today. Ignore everything you know about auto insurance because you’re going to learn the right way to save money, get proper coverage and the best rates.

Smart buyers save more

One of the most helpful ways to save on auto insurance is to to have a grasp of the factors that help determine your auto insurance rates. If you have a feel for what determines base rates, this allows you to make good choices that may result in cheaper rates.

The list below includes a partial list of the pieces used by insurance companies to determine your premiums.

  • Cars with good safety ratings save money – Cars with high safety ratings tend to be cheaper to insure. These vehicles result in less severe injuries and fewer injuries means your insurance company pays less which can result in lower premiums. If your Ford Fiesta has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
  • Filing policy claims can cost you more – If you’re an insured who likes to file claims you can expect either policy cancellation or increased premiums. Companies provide most affordable rates to policyholders that do not abuse their auto insurance. Auto insurance is designed for the bigger claims that can’t be paid out-of-pocket.
  • Improve your credit score and save – Having a good credit score can be a huge factor in calculating your auto insurance rates. Drivers with high credit scores tend to be better drivers and file fewer claims than drivers who have poor credit scores. Therefore, if your credit is not that good, you could pay less to insure your 2018 Ford Fiesta by improving your rating.
  • Pay less after the wedding – Having a wife or husband can actually save you money on your auto insurance bill. It means you’re more mature and it’s statistically proven that married couples file fewer claims.
  • Little extras can really add up – There are many optional add-on coverages that you can buy when buying auto insurance. Insurance for things like rental car coverage, high-cost glass coverage, and additional equipment coverage are probably not needed. They may seem good initially, but if you’ve never needed them in the past remove them and pocket the money.
  • Defend yourself with liability – A critical coverage on your policy, liability insurance will afford coverage in the event that you are determined to be liable for an accident. Liability insurance provides legal defense coverage which can be incredibly expensive. It is affordable coverage compared to insuring for physical damage coverage, so do not skimp.

Cheaper rates with discounts

Auto insurance companies don’t list the entire discount list very well, so here is a list a few of the more well known and the harder-to-find ways to save on insurance coverage. If they aren’t giving you every credit possible, you are not getting the best rate possible.

  • ABS Brakes – Cars with anti-lock braking systems can reduce accidents and the ABS can save up to 10%.
  • Buy New and Save – Insuring a vehicle that is new can save up to 30% because newer models have to meet stringent safety requirements.
  • Include Life Insurance and Save – Insurance carriers who offer life insurance give a break if you buy auto and life insurance together.
  • Discount for Passive Restraints – Vehicles with factory air bags can qualify for discounts of more than 20%.
  • Accident Forgiveness Coverage – This one isn’t a discount, but companies like Progressive and Allstate will forgive one accident without getting socked with a rate hike as long as you don’t have any claims for a specific time period.
  • Professional Organizations – Participating in qualifying clubs or civic groups could qualify you for a break on your policy.
  • Theft Prevention Discount – Cars and trucks equipped with anti-theft or alarm systems are stolen less frequently and will save you 10% or more.

You can save money using discounts, but many deductions do not apply to your bottom line cost. Most only cut specific coverage prices like medical payments or collision. So even though you would think it’s possible to get free car insurance, you’re out of luck.

Larger insurance coverage companies and the discounts they provide can be read below.

  • State Farm may include discounts for accident-free, student away at school, multiple policy, safe vehicle, good student, anti-theft, and passive restraint.
  • GEICO includes discounts for seat belt use, five-year accident-free, defensive driver, federal employee, multi-policy, anti-theft, and anti-lock brakes.
  • Progressive offers discounts including multi-vehicle, continuous coverage, multi-policy, good student, online signing, online quote discount, and homeowner.
  • 21st Century offers discounts for driver training, teen driver, theft prevention, defensive driver, and homeowners.
  • American Family may have discounts that include mySafetyValet, defensive driver, good driver, TimeAway discount, accident-free, and bundled insurance.
  • The Hartford has discounts for anti-theft, defensive driver, vehicle fuel type, good student, bundle, and driver training.
  • AAA has savings for multi-policy, good driver, good student, multi-car, education and occupation, pay-in-full, and AAA membership discount.

If you need lower rates, check with every company the best way to save money. Some discounts may not apply to policies in your state. To view providers with significant discounts, click here.

What is the best auto insurance coverage?

When it comes to buying the right insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Every insured’s situation is different.

These are some specific questions might help in determining if you would benefit from an agent’s advice.

  • Does my policy cover me when driving someone else’s vehicle?
  • Will my insurance pay for OEM parts?
  • Is my teenager covered with friends in the car?
  • I have health insurance so do I need medical payments coverage?
  • What if I don’t agree with a claim settlement offer?
  • Am I covered if I hit my neighbor’s mailbox?
  • Is my babysitter covered when using my vehicle?
  • Is my camper covered by my car insurance policy?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an agent. If you don’t have a local agent, complete this form.

Insurance coverages 101

Understanding the coverages of insurance helps when choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like nursing services, hospital visits and pain medications. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Fiesta.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Frequently these limits are identical to your policy’s liability coverage.

Comprehensive coverage (or Other than Collision)

This will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, falling objects, fire damage and a broken windshield. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability car insurance

Liability coverage provides protection from damage that occurs to people or other property. This coverage protects you from claims by other people, and doesn’t 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. Your policy might show policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims such as legal defense fees, repair bills for other people’s vehicles, structural damage and pain and suffering. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision protection

This pays to fix your vehicle from damage resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like colliding with a tree, crashing into a ditch, scraping a guard rail and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also raise the deductible to save money on collision insurance.

Be a penny pincher

Cheaper insurance coverage is definitely available on the web and from local insurance agents, so you need to shop auto insurance with both to get a complete price analysis. Some insurance providers don’t offer price quotes online and many times these small, regional companies sell through independent agents.

In this article, we covered a lot of ways to reduce 2018 Ford Fiesta insurance premium rates online. The key concept to understand is the more price quotes you have, the better chance you’ll have of finding cheaper auto insurance. You may even find the best price on insurance coverage is with a lesser-known regional company.

When shopping online for insurance coverage, make sure you don’t sacrifice coverage to reduce premiums. There have been many cases where someone sacrificed full coverage and found out when filing a claim that the small savings ended up costing them much more. Your strategy should be to buy enough coverage at the best possible price but still have enough coverage for asset protection.

Additional detailed information is available in the articles below:

Comments About 2018 Ford Fiesta Insurance

  1. Genia Harrison

    Cheapest quote for my 2018 Ford Fiesta was with Farmers.

  2. Buck Bishop

    Not sure if this is cheap. Found cheapest coverage with Hanover for my Fiesta and am saving around $280 a year. I increased coverages a little too. They offer free online rate quotes.

  3. Wilda Coleman

    I got a good deal I think. I’m from Grand Rapids, MI. Got quotes from Travelers, AAA, Liberty Mutual, and Mercury for my 2018 Ford Fiesta and saved just over $540 a year. Was with Encompass.

  4. Stewart Stewart

    I’m from Hartford, CT. Quoted quotes from Mercury, Eastwood, GEICO, and AIG Insurance for my Fiesta and I’m now saving $15 a month. Was with Erie. Have a couple speeding tickets too.