Shoppers have many options when shopping for the lowest priced Ford Focus RS insurance. They can either spend hours contacting agents trying to get quotes or utilize the internet to compare rates.
There are more efficient ways to find car insurance online and we’ll show you the quickest way to price shop coverage on a Ford and obtain the lowest price from both online companies and local agents.
The best way we recommend to compare insurance rates from multiple companies is to understand most larger insurance companies actually pay money for the chance to provide you with a free rate quote. The only thing you need to do is give the companies some data such as how much education you have, whether you have decent credit, what you do for a living, and level of coverage desired. That rating data is then sent to insurance carriers in your area and you will receive price estimates instantly to find the best rate.
Companies don’t necessarily list every discount they offer very well, so below is a list some of the more common as well as some of the hidden discounts that you can inquire about if you buy insurance online.
Discounts lower rates, but most discounts do not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like all those discounts means the company will pay you, insurance companies wouldn’t stay in business. Any amount of discount will help lower the amount you pay for coverage.
Companies and their possible discounts include:
It’s a good idea to ask every prospective company what discounts are available to you. Savings may not apply to policyholders everywhere.
When it comes to choosing the best auto insurance coverage, there isn’t really a “best” method to buy coverage. Every insured’s situation is different.
For instance, these questions could help you determine whether you could use an agent’s help.
If you can’t answer these questions then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.
Learning about specific coverages of your policy can be of help when determining appropriate coverage for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement.
Liability car insurance – Liability coverage can cover damage that occurs to people or other property in an accident. It protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Another option is a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.
Liability can pay for claims such as emergency aid, repair bills for other people’s vehicles, funeral expenses and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but buy as large an amount as possible.
Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive coverage pays for things like damage from getting keyed, falling objects, rock chips in glass and hitting a bird. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.
Collision coverage – Collision coverage will pay to fix damage to your Focus RS resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims like scraping a guard rail, sideswiping another vehicle, hitting a mailbox, colliding with a tree and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible in order to get cheaper collision rates.
Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your 2018 Ford Focus RS.
Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.
Insurance for medical payments – Coverage for medical payments and/or PIP provide coverage for expenses for things like prosthetic devices, doctor visits and chiropractic care. They are used to fill the gap from your health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage
Liked the article. I live just to the south of Evansville, Indiana. I quoted with American Family, Safeco, and a few others for my Focus RS and saved $468 a year. I got a quote from their website.
Any GEICO or Farmers customers near Columbus, GA?
Are custom wheels covered by insurance?
Hope my rates come down. Quoted with AIG Insurance for my Ford and saved around $200 a year. Left Mercury to switch. They have a lot of discounts available. Not sure about claim service.