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Ford Focus ST Insurance Rates

You have many choices when attempting to insure your Ford vehicle. You can get prices from an insurance agent or get quotes online to compare insurance costs of many different companies. Shopping for car insurance from online companies saves time, is easy to do, in addition you may find lower rates.

Comparing car insurance rates direct online can be complicated if you are a beginner to online quotes. But relax because we're going to show you how. The are a couple different ways to compare quotes from different insurance companies. The simplest method to find the cheapest Focus ST insurance quotes consists of shopping online. This is very easy and can be done by getting a quick quote here.

Criteria which help determine car insurance premiums

Insurance premiums paid to insure a Ford Focus ST can vary widely and are calculated by many factors. A few of these criteria are:

  • Your driving record
  • A good credit score can save you money
  • You location can impact insurance rates
  • Higher annual miles equates to higher premium
  • Men may be charged more than women
  • Higher deductibles save money
  • Your vehicle's safety rating
  • Ask about multi-policy discounts
  • Your claim history
  • Extra coverages like towing and rental

One important consideration that will help determine your rates is the age of the vehicle. Older cars and trucks have a much lower replacement value compared to new Ford models so the costs to repair may end up costing you less. Conversely, newer models have more advanced features such as an advanced theft deterrent system, all-wheel drive, and traction control which can help offset higher rates.

To get a better idea how much rates will be for your vehicle, select the year of your Focus ST from the following list.

Liability coverage

This protects you from injuries or damage you cause to a person or their property by causing an accident. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so buy higher limits if possible.

Collision coverage

Collision coverage pays for damage to your Ford from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive insurance

This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Protection from uninsured/underinsured drivers

This coverage provides protection from other drivers when they do not carry enough liability coverage. Due to the fact that many drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for bills like ambulance fees, surgery, and doctor visits. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. PIP coverage is not available in all states and may carry a deductible.

How Much are Ford Focus ST Insurance Rates?

Popular U.S. Cities for Ford Focus ST Insurance

  • Fresno, CA
  • Colorado Springs, CO
  • Tulsa, OK
  • Omaha, NE
  • Portland, OR
  • Arlington, TX
  • Las Vegas, NV
  • New York, NY
  • Denver, CO
  • San Jose, CA
  • Los Angeles, CA
  • Detroit, MI
  • San Diego, CA
  • Tucson, AZ
  • Indianapolis, IN