2015 Ford Fiesta Insurance Rates

Want the cheapest auto insurance rates for your Ford Fiesta? Finding low cost coverage rates on auto insurance is always frustrating for drivers not familiar with shopping for insurance online. With so many agents and companies competing online, it can turn into a chore to locate the lowest coverage rates.

Find discounts on auto insurance

Auto insurance can be pricey, but you may be missing some discounts that can dramatically reduce your bill. Larger premium reductions will be automatically applied when you complete an application, but some must be inquired about prior to getting the savings.

  • Online Discount – A few larger online companies will provide an incentive for buying a policy and signing up digitally online.
  • No Claim Discounts – Insureds who avoid accidents and claims are rewarded with significantly better rates on insurance quote when compared with drivers who are more careless.
  • Life Insurance Discount – Some auto insurance companies give lower premium rates if you buy some life insurance in addition to your auto policy.
  • Passive Restraints – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of more than 20%.
  • Telematics Devices – Drivers who elect to allow their auto insurance company to track driving manner by using a telematic data system like In-Drive from State Farm and Progressive’s Snapshot might get better premium rates if they show good driving skills.
  • Multiple Vehicles – Purchasing coverage when you have multiple cars or trucks with the same auto insurance company may reduce the rate for each vehicle.
  • Waiver for an Accident – This one isn’t a discount, but some companies like State Farm and Allstate will allow you to have one accident before hitting you with a surcharge if you have no claims for a particular time prior to the accident.
  • Military Deployment Discount – Being deployed with a military unit can result in better rates.
  • Theft Deterent System – Cars and trucks that have factory anti-theft systems can help prevent theft and will save you 10% or more.

You can save money using discounts, but most discounts do not apply to your bottom line cost. Most only cut the cost of specific coverages such as liability, collision or medical payments. Even though it appears all those discounts means the company will pay you, you’re out of luck.

A list of companies and a summarized list of policyholder discounts are included below.

  • GEICO includes discounts for driver training, anti-lock brakes, federal employee, defensive driver, multi-vehicle, and military active duty.
  • Travelers offers discounts including home ownership, multi-car, payment discounts, student away at school, and driver training.
  • Farm Bureau has savings for safe driver, multi-vehicle, renewal discount, youthful driver, and multi-policy.
  • Liberty Mutual may offer discounts for preferred payment discount, safety features, hybrid vehicle, teen driver discount, and newly retired.
  • American Family offers discounts for accident-free, mySafetyValet, TimeAway discount, good student, and good driver.
  • Progressive offers premium reductions for multi-vehicle, multi-policy, good student, online quote discount, online signing, continuous coverage, and homeowner.

If you need low cost insurance quotes, ask each company or agent to give you their best rates. A few discounts may not apply to policies in your area. If you would like to view companies with the best discounts, follow this link.

Tailor your insurance coverage coverage to you

When choosing coverage, there really is no best way to insure your cars. Each situation is unique.

Here are some questions about coverages that might point out whether you might need professional guidance.

  • What are the financial responsibility laws in my state?
  • Will filing a claim cost me more?
  • Do I need special endorsements for business use of my vehicle?
  • Is my dog or cat covered if injured in an accident?
  • Will I lose any money if I cancel my policy before it expires?
  • How many claims can I have before being cancelled?

If you can’t answer these questions, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form.

Auto insurance coverage information

Having a good grasp of auto insurance aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Collision coverages – Collision insurance pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like hitting a mailbox, colliding with another moving vehicle, driving through your garage door and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible to save money on collision insurance.

Comprehensive coverage – This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like hitting a deer, a tree branch falling on your vehicle, fire damage, falling objects and a broken windshield. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP kick in for bills such as X-ray expenses, rehabilitation expenses, doctor visits and nursing services. They are often utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not available in all states and may carry a deductible

Auto liability insurance – Liability insurance protects you from damage that occurs to a person or their property in an accident. It protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits 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 property damage coverage for $25,000.

Liability insurance covers claims like emergency aid, legal defense fees, bail bonds, funeral expenses and medical expenses. How much coverage you buy is up to you, but consider buying higher limits if possible.

Saving money makes a lot of cents

We covered quite a bit of information on how to save on 2015 Ford Fiesta insurance. The key concept to understand is the more rate comparisons you have, the better likelihood of getting affordable insurance. Consumers may even find the lowest car insurance rates come from a lesser-known regional company.

Cheap 2015 Ford Fiesta insurance can be bought on the web as well as from independent agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some companies do not provide online quoting and usually these smaller providers work with independent agents.

When getting insurance quotes online, do not skimp on critical coverages to save a buck or two. In many cases, an accident victim reduced comprehensive coverage or liability limits and discovered at claim time that it was a big error on their part. Your objective should be to buy enough coverage for the lowest price, but do not sacrifice coverage to save money.

Even more information can be read in the articles below: