Searching for the cheapest insurance coverage rates for your Ford Focus ST? Locating the cheapest insurance for a new or used Ford Focus ST can be an all-consuming task, but you can use our insurance coverage buying tips to find lower rates. There is a better way to shop for insurance coverage so you’re going to learn the proper way to price shop coverage for your Ford and locate the best price possible from local insurance agents and online providers.
It’s a good idea to compare rates as often as possible because insurance rates are usually higher with each renewal. Just because you found the lowest rate for Focus ST coverage two years ago you may be paying too much now. Forget anything you know (or think you know) about insurance coverage because we’re going to demonstrate one of the quickest ways to eliminate unnecessary coverages and save money.
Reducing your 2018 Ford Focus ST insurance rates isn’t really that difficult. Consumers just need to take time to compare free insurance coverage quotes online with multiple companies. This can be accomplished using a couple different methods.
For a handy list of car insurance company links in your area, click here.
The method you choose is up to you, but try to keep exactly the same information on every price quote you get. If the quotes have different coverage information it will be impossible to determine which rate is truly the best.
Car insurance companies don’t always publicize all available discounts in a way that’s easy to find, so the following is a list of a few of the more common in addition to some of the lesser obvious insurance coverage savings.
You can save money using discounts, but some of the credits will not apply the the whole policy. Some only reduce the cost of specific coverages such as comprehensive or collision. So even though you would think having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.
If you would like to see a list of insurance coverage companies who offer discounts, click here.
When buying coverage, there really is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.
For instance, these questions might point out if your insurance needs might need professional guidance.
If you’re not sure about those questions but a few of them apply then you might want to talk to an insurance agent. If you don’t have a local agent, simply complete this short form. It is quick, free and may give you better protection.
Understanding the coverages of a car insurance policy can help you determine the right coverages for your vehicles. Car insurance terms can be confusing and reading a policy is terribly boring.
Auto liability – Liability insurance will cover damage that occurs to other people or property in an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.
Liability coverage protects against claims such as loss of income, pain and suffering, emergency aid, structural damage and funeral expenses. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.
Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as damage to your Ford Focus ST.
Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.
Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like chiropractic care, EMT expenses and funeral costs. They can be used in conjunction with a health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible
Collision – Collision insurance covers damage to your Focus ST caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.
Collision can pay for things such as colliding with another moving vehicle, backing into a parked car, sideswiping another vehicle, hitting a parking meter and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to increase the deductible to bring the cost down.
Comprehensive (Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for things such as hitting a deer, theft, hitting a bird, falling objects and hail damage. The most you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Consumers who switch companies do it for many reasons like not issuing a premium refund, extreme rates for teen drivers, an unsatisfactory settlement offer or questionable increases in premium. Regardless of your reason for switching companies, switching companies is pretty easy and you might even save some money in the process.
When you buy insurance coverage online, don’t be tempted to buy poor coverage just to save money. There are many occasions where drivers have reduced collision coverage only to regret that it was a big error on their part. The ultimate goal is to purchase a proper amount of coverage at the best possible price while still protecting your assets.
You just learned some good ideas how you can compare 2018 Ford Focus ST insurance premium rates online. The key thing to remember is the more price quotes you have, the better your comparison will be. You may be surprised to find that the lowest priced auto insurance comes from a small mutual company.
More detailed auto insurance information is available in these articles: