2015 Ford Focus ST Insurance Quotes

Searching for the cheapest insurance rates for your Ford Focus ST? Are you irritated from scraping the payment together to insure your Ford every month? You have the same problem as the majority of other drivers.

Online insurance companies like State Farm, Allstate, GEICO and Progressive continually hit you with ad campaigns and it can be hard to see past the corporate glitz and take the time to shop coverage around.

Compare free insurance quotes

There are a lot of ways to compare insurance quotes, but some are less labor-intensive and much quicker. You can waste hours discussing policy coverages with agents in your area, or you could save time and use the internet to accomplish the same thing much quicker.

Most major companies belong to a marketplace where insurance shoppers submit their information once, and every company returns a competitive quote based on that data. This saves time by eliminating form submissions for every insurance company.

To fill out one form to compare multiple rates now click here to start a free quote.

The one disadvantage to getting quotes like this is you are unable to specify which carriers you want pricing from. So if you prefer to choose specific providers to request quotes from, we put together a list of the cheapest insurance companies in your area. Click here for list of insurance companies.

How you compare quotes is your choice, just be sure to compare the same quote data on every quote. If the quotes have different deductibles you will not be able to make a fair rate comparison. Quoting even small variations in limits may cause a big price difference. And when price shopping your coverage, comparing more rates from different companies provides better odds of finding the best rates. Not every company does online quotes, so it’s necessary to compare price quotes from them, too.

Take policy discounts and save

Some providers do not advertise every policy discount in an easy-to-find place, so the following is a list of some of the best known and also the more inconspicuous discounts you could be receiving when you buy car insurance online. If you do not double check each discount available, you could be saving more on your car insurance.

  • Discount for Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts of 25 to 30%.
  • Telematics Data – Drivers that enable driving data submission to study driving manner by using a telematics device in their vehicle such as Snapshot from Progressive or Drivewise from Allstate may get a rate reduction if they have good driving habits.
  • Multiple Policy Discount – If you insure your home and vehicles and place coverage with the same company you may save up to 20% and get you low cost car insurance.
  • Anti-lock Brake System – Cars and trucks that have steering control and anti-lock brakes can reduce accidents and the ABS can save up to 10%.
  • Driver’s Ed – Teen drivers should enroll in driver’s education if it’s offered in school.
  • Save over 55 – Older drivers may be able to get a small discount on rates for Focus ST insurance.
  • Good Grades Discount – Excelling in school may save you up to 25%. The good student discount can last until age 25.
  • Multiple Vehicles – Insuring multiple vehicles on a single policy may reduce the rate for each vehicle.
  • Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn lower prices if you buy a life insurance policy as well.

Don’t be surprised that most discounts do not apply to the entire cost. Most cut individual premiums such as comprehensive or collision. Despite the appearance that all the discounts add up to a free policy, companies don’t profit that way.

A list of companies and some of their more popular discounts are:

  • GEICO has savings for federal employee, multi-vehicle, anti-theft, air bags, defensive driver, and multi-policy.
  • Mercury Insurance offers premium reductions for multi-car, anti-theft, good driver, age of vehicle, location of vehicle, and low natural disaster claims.
  • Farmers Insurance includes discounts for business and professional, mature driver, good student, early shopping, multi-car, and homeowner.
  • Auto-Owners Insurance policyholders can earn discounts including safe vehicle, teen driver, multi-policy, paperless, good student, anti-theft, and anti-lock brakes.
  • Liberty Mutual may have discounts that include new move discount, safety features, multi-policy, newly retired, and teen driver discount.
  • SAFECO may offer discounts for accident prevention training, teen safe driver, safe driver, anti-lock brakes, and homeowner.
  • Progressive discounts include continuous coverage, multi-policy, online quote discount, homeowner, and online signing.
  • USAA has discounts for driver training, family discount, loyalty savings, multi-vehicle, and defensive driver.

Check with every insurance company which discounts can lower your rates. Some discounts may not apply to policies in every state. If you would like to view companies that offer multiple discounts, follow this link.

Which policy gives me the best coverage?

When buying proper insurance coverage, there really is no “best” method to buy coverage. Everyone’s situation is unique so your insurance needs to address that. Here are some questions about coverages that can aid in determining whether or not you might need professional guidance.

  • Do I need motorclub coverage?
  • What can I do if my company denied a claim?
  • Why am I required to buy high-risk coverage?
  • Can I get a multi-policy discount?
  • When do I need to add a new car to my policy?
  • Is business equipment covered while in my vehicle?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Insurance coverages 101

Knowing the specifics of insurance can help you determine appropriate coverage for your vehicles. Insurance terms can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverage types found on most insurance policies.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and also any damage incurred to your Ford Focus ST.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Normally the UM/UIM limits are similar to your liability insurance amounts.

Collision insurance

This coverage will pay to fix damage to your Focus ST from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as damaging your car on a curb, hitting a mailbox, sideswiping another vehicle and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Coverage for liability

Liability insurance can cover damages or injuries you inflict on a person or their property in an accident. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims such as court costs, legal defense fees and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as theft, hitting a bird, a broken windshield and falling objects. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for hospital visits, prosthetic devices, rehabilitation expenses, funeral costs and surgery. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible