Compare 2013 Ford Focus ST Car Insurance Quotes

Looking for the cheapest insurance rates? Shoppers have many options when shopping for affordable Ford Focus ST insurance. They can either waste time struggling with agents to compare prices or utilize the internet to find the lowest rates.

There are more efficient ways to shop for insurance and we’ll show you the best way to price shop coverage for your Ford and obtain the best price possible from both online companies and local agents.

It’s a great practice to take a look at other company’s rates periodically because rates tend to go up over time. Even if you got the lowest premium rates on Focus ST insurance a few years ago other companies may now be cheaper. Ignore everything you know about insurance because you’re about to find out one of the best ways to reduce your cost while improving coverage.

What impacts Ford Focus ST insurance rates?

Consumers need to have an understanding of a few of the rating criteria that aid in calculating auto insurance rates. If you know what positively or negatively impacts your premiums, this helps enable you to make changes that could help you find lower auto insurance prices.

Shown below are a partial list of the pieces used by companies to determine your premiums.

  • Limits of liability – Liability insurance will provide protection if you are responsible for causing personal injury or damage in an accident. It provides legal defense coverage which can be incredibly expensive. Liability insurance is pretty cheap compared to physical damage coverage, so do not cut corners here.
  • Having a spouse reduces risk – Your spouse may earn you lower rates when shopping for auto insurance. It generally demonstrates drivers are more stable financially and it’s statistically proven that married drivers tend to have fewer serious accidents.
  • Lower rates come with age – Older people tend to be more responsible, cost insurance companies less in claims and get fewer tickets.Beginning drivers are statistically proven to be inattentive when driving with friends so they pay higher auto insurance rates.
  • When should you file a auto insurance claims? – If you are a frequent claim filer, don’t be surprised to see higher premiums or even policy non-renewal. Car insurance companies generally give discounts to policyholders who are claim-free. Your car insurance is intended for more catestrophic claims.

Are you receiving every discount?

Insurance coverage is not cheap nor is it fun to buy but you might already qualify for some discounts that many consumers don’t even know exist. Some trigger automatically at quote time, but less common discounts must be asked about before being credited.

  • Accident-Free Discounts – Insureds with no claims or accidents pay much less as opposed to insureds who have frequent claims or accidents.
  • Accident Forgiveness Coverage – Not necessarily a discount, but companies like Allstate and State Farm allow you one accident before your rates go up so long as you haven’t had any claims prior to the accident.
  • Active Service Discounts – Being deployed in the military may lower your prices slightly.
  • Life Insurance – Some insurance coverage companies give a discounted premium rate on car insurance if you buy some life insurance in addition to your auto policy.
  • Theft Deterent – Cars, trucks, and SUVs equipped with anti-theft or alarm systems are stolen less frequently and can earn a small discount on your policy.
  • Professional Organizations – Participating in a civic or occupational organization is a simple method to lower premiums when shopping for insurance coverage.

As a sidenote, many deductions do not apply to the entire cost. Most only apply to individual premiums such as comp or med pay. Despite the appearance that all those discounts means the company will pay you, it doesn’t quite work that way.

Some companies that have these money-saving discounts are:

If you are trying to find affordable insurance coverage quotes, ask every insurance company which credits you are entitled to. Some credits may not be available in your area. To view companies offering insurance coverage discounts, click here to view.

Are you falling for claims of savings?

Consumers can’t escape the ads that claim the cheapest premium rates from the likes of Allstate and Progressive. All the companies advertise claims that people will save if you move your policy.

How is it possible that every company can have lower policy pricing? It’s all in the words they use.

Companies quote their cheapest rates for the type of insured that earns them the most money. A good example of a desirable insured should be over the age of 35, has no driving citations, and drives newer vehicles. A customer getting a price quote that meets those criteria will get the preferred rates and therefore will cut their rates substantially.

Drivers who don’t meet this ideal profile must pay a more expensive rate which usually ends up with the customer not buying. If you listen to the ad wording, they say “people who switch” not “everyone who quotes” save that much. That’s why companies can make the claims of big savings.

Different companies use different criteria so drivers should quote coverage with many companies. It is impossible to guess which company will have the best rates for your profile.

When in doubt talk to an agent

When it comes to choosing the best auto insurance coverage, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs.

For instance, these questions might point out if you would benefit from professional advice.

  • Does my policy pay for OEM or aftermarket parts?
  • How much underlying liability do I need for an umbrella policy?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Am I covered if I break a side mirror?
  • Should I carry comprehensive and collision coverage?
  • What is PIP insurance?
  • Do I have coverage if my license is suspended?
  • What is the rate difference between pleasure use and commuting?
  • Will my rates increase for filing one claim?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form. It’s fast, free and may give you better protection.

Car insurance 101

Knowing the specifics of insurance can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement.

Liability coverage – Liability coverage will cover damage that occurs to a person or their property. This coverage protects you against claims from other people, and doesn’t 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. Your policy might show values of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Another option is one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for claims such as funeral expenses, legal defense fees, pain and suffering, repair bills for other people’s vehicles and attorney fees. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as much as you can afford.

Protection from uninsured/underinsured drivers – This coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as damage to your Ford Focus ST.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for funeral costs, pain medications and X-ray expenses. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states and may carry a deductible

Collision coverages – This covers damage to your Focus ST caused by collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision can pay for claims such as hitting a mailbox, scraping a guard rail, crashing into a ditch and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Comprehensive (Other than Collision) – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like hail damage, falling objects and damage from a tornado or hurricane. The maximum amount 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.

Save for a rainy day

Insureds leave their current company for any number of reasons including high rates after DUI convictions, unfair underwriting practices, delays in paying claims and even being labeled a high risk driver. Regardless of your reason, finding the right auto insurance provider can be less work than you think.

Some auto insurance companies may not offer rate quotes online small, regional companies provide coverage only through independent agencies. Lower-priced auto insurance can be sourced both online and from local insurance agents, and you should be comparing both so you have a total pricing picture.

We just showed you some good ideas how you can lower your 2013 Ford Focus ST insurance prices. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. You may even discover the biggest savings come from some of the smallest insurance companies.

Even more information is available by following these links: