Lower Your 2016 Ford Fiesta Car Insurance Cost

Searching for cheaper car insurance rates for your Ford Fiesta? Online price comparisons for cheaper car insurance can seem difficult since most people haven’t used online quotes. Don’t let the process intimidate you because it’s actually quite easy.

It’s a great practice to get comparison quotes before your policy renews due to the fact that insurance rates change frequently. Just because you had the lowest premium rates on Fiesta coverage at your last renewal you can probably find a better price now. Ignore everything you know about car insurance because you’re about to learn one of the easiest ways to lower your annual insurance bill.

If you currently have car insurance, you will be able to save some money using this information. Pricing cheaper coverage is easy if you know what you’re doing. But consumers must learn the methods companies use to price insurance differently and take advantage of how the system works.

How to find affordable car insurance

Effectively comparing car insurance prices can be exhausting if you aren’t aware of the easiest way. You can waste a lot of time discussing policy coverages with insurance agencies in your area, or you could save time and use online quotes to get the quickest rates.

Many companies participate in an industry program where insurance shoppers send in one quote, and each participating company returns a rated price for coverage. This system prevents you from having to do quote forms for each company you want a rate for.

To find out how much you’re overpaying now click here to start a free quote.

The single downside to comparing rates this way is you don’t know exactly which companies you want to price. So if you prefer to pick specific insurance companies for rate comparison, we have assembled a list of low cost car insurance companies in your area. View list of insurance companies.

Whichever method you choose, double check that you are using apples-to-apples information for each comparison quote. If the quotes have different values for each quote you will not be able to determine the lowest rate for your Ford Fiesta. Even a minor difference in coverages may cause a big price difference. Keep in mind that having more price comparisons will increase your chances of finding lower pricing. Some companies don’t provide prices over the internet, so it’s recommended that you also compare rates from them, too.

When do I need an agent’s advice?

When it comes to buying proper insurance coverage, there isn’t really a one size fits all plan. Everyone’s needs are different.

Here are some questions about coverages that can help discover whether or not you might need an agent’s assistance.

Am I covered if I hit a deer?
Do I need rental car coverage?
Is my nanny covered when driving my vehicle?
Am I covered when pulling a rental trailer?
Will I be non-renewed for getting a DUI or other conviction?
Will I lose any money if I cancel my policy before it expires?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, complete this form.

Car insurance 101

Knowing the specifics of auto insurance can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like hospital visits, doctor visits and chiropractic care. They are used in conjunction with a health insurance policy or if you do not have health coverage. It covers 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

Coverage for collisions

This coverage covers damage to your Fiesta resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as rolling your car, damaging your car on a curb and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your 2016 Ford Fiesta.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Liability coverages

Liability coverage will cover damage that occurs to other people or property. It protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has 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 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability insurance covers things such as attorney fees, funeral expenses and structural damage. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible.

Comprehensive protection

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like rock chips in glass, hitting a bird and fire damage. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.