2016 Ford Focus ST Insurance Cost

Looking for cheaper car insurance rates for your Ford Focus ST? I can’t think of anyone who gets a kick out of paying for car insurance, especially when they are aware that they could lower their rates if they shopped around. Numerous auto insurance companies battle for your hard-earned dollar, so it’s not easy to compare every insurance company to discover the definitive lowest rate

If you have insurance now or are just looking to switch companies, you can use these tips to shop for the lowest rates while maximizing coverage. Finding affordable coverage is quite easy. Vehicle owners just need to understand the most efficient way to shop online.

Compare auto insurance rate quotes online

Lowering your 2016 Ford Focus ST auto insurance rates is a great way to save money. Consumers just need to invest a few minutes to compare free insurance quotes provided by online insurance companies. Comparing prices online can be done using a couple different methods.

The easiest and least time consuming way to find the lowest comparison rates is a comparison rater form click here to open form in new window. This quick form eliminates the need for separate forms for every company. Completing one form gets prices estimates from multiple low-cost companies.

A more difficult way to analyze rates requires you to visit the website for each individual company and request a quote. For sake of this example, we’ll pretend you are doing a rate comparison from GEICO, Allstate and Farmers. To get each rate you have to take the time to go to each site and enter your information, which is why most consumers use the first method.

To view a list of companies in your area, click here.

Whichever method you choose, be sure to compare the exact same information for each comparison quote. If each company quotes differing limits it’s not possible to decipher which rate is best.

There’s no such thing as the perfect auto insurance policy

When buying coverage, there really is not a single plan that fits everyone. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that can aid in determining whether your personal situation will benefit from professional help.

How much underlying liability do I need for an umbrella policy?
Will my vehicle be repaired with OEM or aftermarket parts?
Exactly who is provided coverage by my policy?
Am I covered if my car is in a flood?
Is extra glass coverage worth it?
Can I rate high risk drivers on liability-only vehicles?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Insurance coverage breakdown

Knowing the specifics of your policy can be of help when determining which coverages you need and proper limits and deductibles. Insurance terms can be confusing and nobody wants to actually read their policy. These are typical coverages found on most insurance policies.

Comprehensive protection

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as a broken windshield, theft, fire damage and damage from flooding. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for expenses such as ambulance fees, nursing services, funeral costs, X-ray expenses and EMT expenses. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Liability auto insurance

This coverage provides protection from injuries or damage you cause to other’s property or people that is your fault. This insurance protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims such as attorney fees, legal defense fees, court costs, pain and suffering and loss of income. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured or underinsured coverage

This protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Ford Focus ST.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Collision coverage

This will pay to fix damage to your Focus ST from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like damaging your car on a curb, colliding with another moving vehicle and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also choose a higher deductible to bring the cost down.