2016 Ford Focus RS Insurance Rates

Trying to find better auto insurance rates for your Ford Focus RS? Finding the most affordable auto insurance can appear to be difficult for people who are beginners to quoting and online price comparisons. With so many options of companies competing online, how are people expected to have a chance to compare each option to find the cheapest rates?

If you currently have car insurance, you will most likely be able to reduce your rates substantially using these tips. Buying more affordable insurance coverage coverage is simple if you know the tricks. Although car owners should learn how insurance companies price insurance differently.

How to get auto insurance quotes

To find affordable insurance quotes, there are several ways to compare quotes from different companies. The recommended way to comparison shop consists of shopping online. This can be done in a couple of different ways.

  1. One of the fastest ways to get quotes for comparison is a comparison rater form click to view form in new window. This form prevents you from having to do boring form submissions for each price estimate. One simple form gets you coverage quotes from multiple low-cost companies. This is by far the quickest method.
  2. Another way to get comparison quotes requires a trip to each company’s website and get a separate price quote. For examples sake, let’s say you want to compare Nationwide, State Farm and Travelers. To get each rate you have to go to every website and enter your information, which can be really labor intensive. For a list of links to insurance companies in your area, click here.
  3. The least recommended method to compare price estimates is making phone calls or going to different agent offices. The ability to buy insurance online makes this unnecessary unless you prefer the advice and guidance of an agent trained in personal lines coverage. Some companies do allow you to comparison shop online but purchase the actual policy in an agency.

How you compare quotes is your choice, just be sure to compare the same coverages for each price quote. If you have different limits and deductibles on each one then you won’t be able to determine which rate is truly the best. Having just a slight variation in coverage limits may result in a large different in cost. Keep in mind that comparing more rates from different companies will increase your chances of finding the best rates.

How much car insurance do I need?

When it comes to choosing proper insurance coverage, there is no perfect coverage plan. Everyone’s needs are different.

For instance, these questions may help you determine if your situation could use an agent’s help.

  • When does my teenage driver need to be added to my policy?
  • What is PIP insurance?
  • Am I covered when driving a rental car?
  • Exactly who is provided coverage by my policy?
  • Should I drop comprehensive coverage on older vehicles?
  • Why am I required to buy liability insurance?
  • Should I put collision coverage on all my vehicles?
  • Should I buy additional glass protection?
  • Should I buy full coverage?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an agent. To find lower rates from a local agent, complete this form.

Car insurance coverages and their meanings

Knowing the specifics of your car insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Uninsured and underinsured coverage

This coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Ford Focus RS.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Collision insurance

This coverage pays for damage to your Focus RS resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like driving through your garage door, sustaining damage from a pot hole and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like prosthetic devices, doctor visits and rehabilitation expenses. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Auto liability

This coverage protects you from damage that occurs to other people or property that is your fault. It protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like medical services, loss of income, medical expenses, structural damage and court costs. How much liability should you purchase? That is a decision to put some thought into, but buy higher limits if possible.

Comprehensive coverages

This covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as falling objects, damage from flooding, damage from getting keyed, damage from a tornado or hurricane and rock chips in glass. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.