2018 Ford Focus ST Insurance Quotes – 5 Policy Discounts

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.

Compare insurance rates

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.

1. Probably the best way to compare a lot of rates at once is a comparison rater form click here to open form in new window. This form prevents you from having to do boring form submissions to each individual insurance company. Completing one form gets rate comparisons from multiple low-cost companies.It’s the quickest way to get rates.
2. A more time consuming way to get quotes online requires a trip to each company’s website and fill out a new quote form. For sake of this example, we’ll assume you want comparison quotes from Auto-Owners, Allstate and Geico. In order to compare rates, you need to visit each site and repeatedly type in your coverage information, which is why the first method is more popular.

   For a handy list of car insurance company links in your area, click here.

3. The old school way to comparison shop is to spend time driving to each insurance agency near you. The ability to buy insurance online reduces the need to sit down with an agent unless your situation requires the personal advice that only an agent can give. You can, however, price shop your coverage online but still have the advice of a local agent.

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.

Find hidden discounts to get affordable insurance coverage rates

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.

• Life Insurance Discount – Some companies give a discounted price on car insurance if you buy a life insurance policy as well.
• Theft Deterent Discount – Anti-theft and alarm system equipped vehicles prevent vehicle theft and will save you 10% or more.
• Low Miles Discount – Keeping the miles down on your Ford can earn slightly better insurance coveragerates than normal.
• Discounts for Multiple Vehicles – Buying a policy with multiple vehicles on one policy may reduce the rate for each vehicle.
• Seat Belts Save – Forcing all vehicle occupants to buckle up can save up to 15% off the PIP or medical payment premium.

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.

Tailor your car insurance coverage to you

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.

• Should I have combined single limit or split liability limits?
• Am I covered if hit by an uninsured driver?
• Does my policy cover my teen driver if they drive my company car?
• Am I covered if I drive in a foreign country?
• Will my insurance pay for OEM parts?
• Can my babysitter drive my car?

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.

Car insurance coverages explained

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.

In Summary

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:

• Auto Theft Statistics (Insurance Information Insitute)
• Get the Right Protection (InsureUonline.org)
• Side Impact Crash Tests (iihs.org)
• Collision Coverage (Liberty Mutual)