2017 Ford Focus RS Insurance Cost – 9 Policy Discounts

Shoppers have a choice when shopping for low-cost Ford Focus RS insurance. You can either waste hours driving around to compare prices or use the internet to compare rates. There are both good and bad ways to find car insurance online and we’ll show you the absolute fastest way to get price quotes on a Ford and find the cheapest rates either online or from local insurance agents.

If you are insured now or need new coverage, you can learn to shop for the lowest rates and possibly find even better coverage. The purpose of this article is to teach you how to effectively get price quotes and some tips to save money. Drivers just need to know the most effective way to get comparison quotes on the web.

Lower-cost insurance coverage rates with discounts

Companies don’t list all possible discounts in an easy-to-find place, so the list below details some of the more common and also the lesser-known credits available to you.

  • Club Memberships – Being a member of qualifying clubs or civic groups can get you a small discount on your next insurance coverage statement.
  • Government Employees – Active or former government employment could provide a small rate reduction for Focus RS coverage depending on your company.
  • Early Payment Discounts – If paying your policy premium upfront instead of making monthly payments you can actually save on your bill.
  • Driver Training Discounts – Completing a course in defensive driving may get you a small discount if you qualify.
  • Lower Rates for Military – Being on active deployment in the military could qualify you for better insurance coverage rates.
  • Telematics Devices – Policyholders that allow data collection to look at their driving habits through the use of a telematics system such as State Farm’s In-Drive could see a rate decrease as long as the data is positive.
  • Save with a New Car – Buying a new car model is cheaper because new vehicles are generally safer.
  • Discount for Life Insurance – If the company offers life insurance, you could get a small discount if you purchase life insurance.
  • Multiple Vehicles – Buying coverage for primary and secondary vehicles on one policy can reduce rates for all insured vehicles.

It’s important to understand that many deductions do not apply to the overall cost of the policy. Most only reduce individual premiums such as comp or med pay. So even though it sounds like adding up those discounts means a free policy, company stockholders wouldn’t be very happy. But all discounts should help lower your policy premium.

Larger insurance coverage companies and their possible discounts are detailed below.

  • Progressive has savings for multi-policy, multi-vehicle, online quote discount, online signing, good student, homeowner, and continuous coverage.
  • AAA has discounts for education and occupation, multi-car, pay-in-full, good driver, and multi-policy.
  • Farmers Insurance offers discounts including pay in full, good student, switch companies, electronic funds transfer, and homeowner.
  • GEICO policyholders can earn discounts including anti-theft, federal employee, anti-lock brakes, multi-policy, military active duty, and membership and employees.
  • Esurance discounts include multi-policy, paid-in-full, good driver, DriveSense, anti-theft, and homeowner.
  • SAFECO includes discounts for accident prevention training, safe driver, anti-theft, anti-lock brakes, multi-car, homeowner, and bundle discounts.
  • State Farm offers premium reductions for driver’s education, good student, accident-free, Steer Clear safe driver discount, and defensive driving training.

If you are trying to find the cheapest insurance coverage quotes, ask all companies you are considering which credits you are entitled to. Some of the discounts discussed earlier might not be offered everywhere. To choose insurers who offer cheap insurance coverage quotes, click this link.

How to buy auto insurance online

Getting a cheap price on 2017 Ford Focus RS insurance is a great way to save money. You just have to invest a little time getting comparison quotes from different insurance companies. Rate comparisons can be done in just a few minutes using one of these methods.

One of the best ways consumers can analyze rates is to use a rate comparison form click here to open form in new window. This quick form prevents you from having to do separate quotes to each individual auto insurance company. One form submission gets prices estimates instantly. This is by far the quickest method.

A more time consuming way to obtain and compare quotes online consists of visiting the website of each company and get a separate price quote. For example, we’ll assume you want to view quotes from State Farm, Farmers and Liberty Mutual. To get rate quotes you would need to take the time to go to each site to input your insurance information, and that’s why the first method is more popular.

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

The approach you take is up to you, just try to use the exact same deductibles and coverage limits for each quote you get. If you are comparing mixed coverages you will not be able to make a fair comparison for your Ford Focus RS.

Tailor your insurance coverage to you

When choosing the best insurance coverage for your vehicles, there really is no single plan that fits everyone. Each situation is unique.

These are some specific questions may help highlight if your situation might need an agent’s assistance.

  • Does my 2017 Ford Focus RS need full coverage?
  • Does coverage extend to Mexico or Canada?
  • When does my teenage driver need to be added to my policy?
  • Am I covered if my car is in a flood?
  • Where can I find DUI or SR-22 insurance?
  • I have health insurance so do I need medical payments coverage?
  • Am I covered when using my vehicle for business?
  • Which companies will insure high-risk drivers?
  • What are the financial responsibility laws in my state?
  • Is my business laptop covered if it gets stolen from my vehicle?

If you can’t answer these questions but a few of them apply then you might want to talk to an agent. If you don’t have a local agent, take a second and complete this form. It is quick, free and can help protect your family.

Insurance coverage basics

Knowing the specifics of your insurance policy helps when choosing which coverages you need for your vehicles. Insurance terms can be confusing and coverage can change by endorsement.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage pay for expenses for dental work, hospital visits and pain medications. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

Uninsured or underinsured coverage – This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Collision – Collision insurance covers damage to your Focus RS resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like sustaining damage from a pot hole, rolling your car and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Liability car insurance – Liability insurance will cover injuries or damage you cause to other’s property or people in an accident. It protects you from claims by other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability insurance covers claims like bail bonds, medical services, medical expenses, emergency aid and legal defense fees. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible.

Comprehensive protection – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, damage from flooding and theft. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Saving money is sweet as honey

As you prepare to switch companies, never buy less coverage just to save a little money. In too many instances, drivers have reduced uninsured motorist or liability limits and found out when filing a claim that the savings was not a smart move. Your focus should be to purchase a proper amount of coverage for the lowest price and still be able to protect your assets.

More affordable insurance coverage can be purchased from both online companies as well as from independent agents, so you need to quote insurance coverage with both in order to have the best price selection to choose from. Some insurance companies don’t offer online price quotes and most of the time these regional insurance providers sell through local independent agents.

Drivers switch companies for a variety of reasons including poor customer service, being labeled a high risk driver, delays in responding to claim requests and even denial of a claim. Regardless of your reason, finding a great new company is easier than you think.

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