Cheaper 2014 Ford Focus ST Insurance Quotes

Are you a victim of overpriced car insurance? It’s quite common and many consumers are in the same pinch.

Big companies like Allstate, Progressive and GEICO all claim big savings with ad campaigns and it is difficult to avoid their marketing magic and effectively compare rates to find the best deal.

If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using these methods. Buying car insurance is easy if you know what you’re doing. Nevertheless, vehicle owners must learn how big insurance companies compete online and use this information to your advantage.

How to compare free insurance price quotes

All major insurance companies allow consumers to get coverage price quotes from their websites. Obtaining pricing is fairly simple as you just enter your coverage preferences into a form. Once you submit the form, the company’s rating system obtains information on your driving record and credit history and returns pricing information. Quoting online streamlines rate comparisons, but the time it takes to visit a lot of sites and fill out multiple forms can get tiresome after awhile. But it is imperative to have as many quotes as possible in order to get the lowest possible prices on insurance.

The quickest way to find cheaper rates uses one simple form to get prices from a lot of companies. It saves time, requires less work, and makes online shopping much easier to do. Once the form is submitted, it gets priced and you are able to buy any or none of the quotes returned.

If a lower price is quoted, it’s easy to complete the application and purchase the new policy. The entire process takes just a few minutes to complete and could lower your rates considerably.

If you want to find out if lower rates are available, simply click here to open in new window and submit the form. If you have your current policy handy, we recommend you enter the insurance coverages exactly as shown on your declarations page. This guarantees you will receive a fair comparison using the exact same coverages.

More affordable rates by taking advantage of discounts

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available that you may not know about. A few discounts will automatically apply when you get a quote, but some may not be applied and must be asked about in order for you to get them.

  • Onboard Data Collection – Insureds who allow their company to scrutinize vehicle usage through the use of a telematics system like Allstate’s Drivewise might get better premium rates if they have good driving habits.
  • No Accidents – Drivers who don’t have accidents pay less when compared to accident-prone drivers.
  • Seat Belt Usage – Drivers who always wear seat belts and also require passengers to wear their seat belts can save 10% or more on the premium charged for medical payments and/or PIP.
  • Include Life Insurance and Save – Select insurance companies reward you with a discounted insurance coverage rate on car insurance if you buy some life insurance in addition to your auto policy.
  • Driver Safety – Passing a course in defensive driving could possibly earn you a 5% discount and easily pay for the cost of the class.
  • Bundled Policy Discount – If you insure your home and vehicles and insure them with the same company you could get a discount of over 10 percent off each policy depending on the company.
  • Pay Now and Pay Less – By making one initial payment rather than paying monthly you can actually save on your bill.
  • Professional Organizations – Being a member of qualifying clubs or civic groups may earn a discount on your next renewal.

Discounts lower rates, but some of the credits will not apply to the entire cost. Some only apply to specific coverage prices like comprehensive or collision. So even though you would think all the discounts add up to a free policy, companies don’t profit that way.

Auto insurance companies that may offer these discounts possibly include:

Double check with all the companies which discounts you may be entitled to. A few discounts might not be offered on policies in your area. If you would like to view companies with the best discounts, click this link.

How much car insurance do I need?

When it comes to choosing proper insurance coverage, there really is no perfect coverage plan. Everyone’s needs are different and your policy should reflect that. For instance, these questions might help in determining if you might need professional guidance.

  • Does my medical payments coverage pay my health insurance deductible?
  • Is extra glass coverage worth it?
  • Should I buy full coverage?
  • Do I need added coverage for expensive stereo equipment?
  • Who is covered when they drive my 2014 Ford Focus ST?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Where can I find high-risk insurance?

If you’re not sure about those questions, you might consider talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of car insurance companies in your area.

What determines Ford Focus ST insurance premiums?

Smart consumers have a good feel for the different types of things that go into determining your premiums. If you understand what determines premiums, this allows you to make good choices that may reward you with lower rates. Many different elements are taken into consideration when pricing auto insurance. Some are obvious like a motor vehicle report, but some are more transparent such as your credit history or your commute time.

  • Drive lots and pay more – The higher the mileage driven every year the more you will pay for insurance. Almost all companies calculate rates based upon how the vehicle is primarily used. Autos that do not get driven very much can be on a lower rate level as compared to vehicles used primarily for driving to work. It’s always a good idea to double check that your policy is rated on the right rating data. Improper usage on your Focus ST may be costing you higher rates.
  • Is you job costing you more? – Jobs like military personnelpolice officers and stock brokers tend to pay higher premium rates because of high stress and long work hours. On the other hand, jobs like professors, students and retirees get better rates on Focus ST coverage.
  • Don’t cut corners with liability protection – Your policy’s liability coverage is the coverage that protects you in the event that a jury decides you are liable for damages caused by your negligence. It will provide legal defense coverage which can be incredibly expensive. Liability is cheap when compared with rates for comp and collision, so insureds should have plenty of protection for their assets.
  • Reduce prices by driving safer vehicles – Cars with high safety ratings tend to have lower insurance rates. Vehicles engineered for safety result in less severe injuries and fewer injuries translates into fewer and smaller insurance claims and lower rates for you. If your Ford Focus ST is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
  • Marriage discount – Having a spouse can get you a discount on your policy. Having a spouse means you’re more mature and it’s proven that married drivers tend to have fewer serious accidents.
  • Don’t buy incidental coverages that may not be needed – There are a lot of additional coverages that sound like a good idea at the time but may not be useful. Coverages like coverage for rental cars, better glass coverage, and extra equipment coverage may be costing you every month. These coverages may sound good when you first buy your policy, but if you’ve never needed them in the past eliminate the coverages to reduce your premium.

Are insurance coverage companies telling the truth?

Well-known insurance coverage companies like State Farm, Allstate and GEICO endlessly run television and radio advertisements. All the ads say the same thing about how much you will save if you move your insurance coverage policy to them. How does every company cost less than your current company? It’s all in the words they use.

Many companies have specific criteria for the type of driver that makes them money. A good example of this type of insured may be a married male, has a clear driving record, and drives a lower-performance vehicle. A customer getting a price quote who matches those parameters will get low car insurance rates and will also save money with a new company.

Potential customers who fall short of the ideal profile will probably be forced to pay a more expensive rate and this results in business going elsewhere. The wording the ads use say “people that switch” not “all people who quote” save that much. This is how insurance companies can advertise the way they do.

Each company has different criteria, so it is so important to do a rate comparison at every renewal. Because without a comparison, you cannot know which company will fit you best based on your risk profile.

Auto insurance coverage options for a Ford Focus ST

Understanding the coverages of auto insurance can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Shown next are the normal coverages found on most auto insurance policies.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for immediate expenses for nursing services, hospital visits, dental work and chiropractic care. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverage

This coverage covers damage to your Focus ST resulting from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things such as sideswiping another vehicle, damaging your car on a curb, hitting a mailbox and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers

This gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as damage to your Ford Focus ST.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive auto insurance

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as fire damage, a tree branch falling on your vehicle, vandalism, damage from flooding and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Liability auto insurance

Liability coverage provides protection from damage that occurs to people or other property by causing an accident. It protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Another option is one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against things such as emergency aid, attorney fees, court costs and pain and suffering. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Get your money’s worth

When getting insurance coverage quotes online, you should never buy poor coverage just to save money. There have been many situations where someone sacrificed liability coverage limits only to regret that the small savings ended up costing them much more. The ultimate goal is to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

We covered many ways to compare 2014 Ford Focus ST insurance rates online. The key thing to remember is the more you quote insurance coverage, the more likely it is that you will get a better rate. You may even find the best rates are with a company that doesn’t do a lot of advertising. Regional companies often have lower car insurance rates on specific markets than the large multi-state companies such as Progressive and GEICO.

Affordable 2014 Ford Focus ST insurance is attainable on the web in addition to many insurance agents, so you need to quote insurance coverage with both to have the best chance of lowering rates. Some insurance coverage companies don’t offer the ability to get a quote online and most of the time these smaller providers only sell through local independent agents.

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