How Much Does 2017 Ford Focus ST Car Insurance Cost?

Trying to find lower insurance rates for your Ford Focus ST? Did budget coverage turn out to be high-priced insurance? It’s a common feeling and you’re not the only one.

Companies like Allstate, Liberty Mutual and State Farm increase brand awareness with catchy ads and it is challenging if not impossible to see past the corporate glitz and take the time to shop coverage around.

It’s a good idea to check insurance prices at least once a year due to the fact that insurance prices fluctuate regularly. Even if you think you had the best price on Focus ST coverage six months ago you can probably find a lower rate today. Ignore everything you know about insurance because it’s time to teach you the tricks you need to know to find lower rates on insurance.

Compare quotes for auto insurance

Most major insurance companies such as State Farm, GEICO and Progressive allow you to get price estimates on their websites. Getting prices online is quite simple as you just enter into the quote form. After you complete the form, the company’s rating system sends out for credit information and your driving record and generates a price determined by many factors. Online price quotes streamlines rate comparisons, but the time it takes to visit multiple sites and complete many quote forms can be a bit tiresome and repetitive. But it’s very important to do this if you want to find better auto insurance pricing.

Online rates the easy way

A quicker way to find better auto insurance pricing is to use a quote form to get prices from a lot of companies. It’s a real time-saver, requires less work, and makes online shopping a lot less work. After sending the form, it gets priced and you can select any one of the price quotes you receive.

If one or more price quotes are lower than your current rates, you can click and sign and purchase the new policy. The whole process only takes a few minutes and you will find out if you’re overpaying now.

In order to find out how much you’re overpaying now, click here to open in new window and fill out the form. If you have your current policy handy, we recommend you enter as close as possible to your current policy. Using the same limits helps guarantee you are getting an apples-to-apples comparison based on similar coverages.

Insurance policy discounts you can’t miss

Insuring your vehicles can cost a lot, but you might find some hidden discounts to help offset the cost. Certain discounts will be triggered automatically at the time of purchase, but lesser-known reductions have to be inquired about in order for you to get them. If you are not receiving all the discounts you qualify for, you are throwing money away.

  • Seat Belt Discounts – Drivers who require all vehicle occupants to wear their seat belts can save 10% or more off the PIP or medical payment premium.
  • Anti-lock Brake Discount – Cars, trucks, and SUVs that have steering control and anti-lock brakes prevent accidents so you can save 10 percent or more.
  • Homeowners Savings – Simply owning a home can earn you a little savings because it requires a higher level of personal finance.
  • Professional Memberships – Being in a professional or civic organization is a good way to get lower rates when shopping for insurance.
  • Theft Deterent – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and earn discounts up to 10% off your auto insurance quote.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of paying each month you could save 5% or more.
  • Multiple Policy Discount – If you insure your home and vehicles with one company they may give you a discount of at least 10% off all policies.
  • Defensive Driver Discount – Taking part in a safe driver course is a good idea and can lower rates and make you a better driver.
  • Federal Government Employee – Active or retired federal employment could qualify for a slight premium decrease on Focus ST coverage but check with your company.

One last thing about discounts, most of the big mark downs will not be given to all coverage premiums. Some only apply to the cost of specific coverages such as comp or med pay. Just because you may think adding up those discounts means a free policy, insurance companies aren’t that generous.

A few companies that may include these money-saving discounts include:

If you need affordable auto insurance quotes, ask every prospective company to give you their best rates. Depending on the company, some discounts might not apply in your area. To see insurers that provide some of the discounts listed above, follow this link.

Insurance agents can help

When it comes to buying proper insurance coverage, there really is not a “perfect” insurance plan. Everyone’s needs are different so your insurance should reflect that For instance, these questions could help you determine if your situation might need an agent’s assistance.

  • Is upholstery damage covered by car insurance?
  • How can I find cheaper teen driver insurance?
  • Is my nanny covered when driving my vehicle?
  • Am I covered by my spouse’s policy after a separation?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • When should I drop full coverage on my 2017 Ford Focus ST?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area.

Eight factors that impact insurance rates

An important part of buying insurance is that you know some of the elements that play a part in calculating the price you pay for car insurance. If you understand what determines premiums, this enables you to make decisions that will entitle you to lower premium levels.

  • Save by driving less – The higher the miles on your Ford in a year’s time the higher the price you pay to insure it. The majority of insurers charge to insure your cars based on their usage. Cars and trucks that are left in the garage cost less to insure compared to those used for work or business. Verify your vehicle rating is showing annual mileage, because improper ratings can cost you money. Having the wrong rating on your Focus ST may be costing you higher rates.
  • Premiums can be impacted by your job – Did you know that where you work can have an impact on rates? Occupations like real estate brokerspolice officers and medical professionals tend to pay higher premium rates because of intense work-related stress and lots of time spent away from family. On the other hand, jobs such as farmers, athletes and retirees pay the least on Focus ST coverage.
  • Your location is a factor – Choosing to live in smaller towns and rural areas of the country has definite advantages when talking about car insurance. Lower population means fewer accidents in addition to lower liability claims Residents of big cities have to deal with more road rage incidents and higher rates of accident claims. More time commuting means higher likelihood of an accident.
  • Too many claims and you’ll pay more – If you’re an insured who likes to file claims you can expect higher premiums or even policy non-renewal. Companies give better rates to people who do not rely on their insurance for small claims. Your insurance policy is designed for claims that you cannot pay yourself.
  • Gender and insurance – The statistics show women are more cautious behind the wheel. Now that doesn’t mean females are better drivers. Females and males have accidents in similar numbers, but the male of the species cause more damage. Men also tend to get higher numbers of serious violations such as reckless driving. Young males are several times more likely to be in an accident so they pay the highest premiums.
  • Driving citations inflate premiums – Your driving record has a big impact on rates. Good drivers tend to pay less for car insurance compared to bad drivers. Just one driving citation can boost insurance rates forty percent or more. Drivers with dangerous violations such as DWI, reckless driving or hit and run convictions may face state-mandated requirements to complete a SR-22 with the DMV in their state in order to drive a vehicle legally.
  • Liability coverage – The liability coverage on your policy will provide protection if you are ruled to be at fault for damages from an accident. It will provide legal defense which can cost a lot. Liability is cheap when compared to the cost of physical damage coverage, so drivers should buy more than the minimum limits required by law.
  • Car insurance policy lapses increase rates – Allowing your coverage to lapse will be a quick way to increase your renewal premiums. Not only will you pay higher rates, failure to provide proof of insurance may result in a hefty fine and possibly a revoked license. You may have to file a SR-22 with your state DMV.

Car insurance coverage considerations

Having a good grasp of your policy aids in choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring. These are the usual coverages found on the average car insurance policy.

Collision coverages – Collision insurance pays for damage to your Focus ST 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 can pay for claims like backing into a parked car, sustaining damage from a pot hole and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to increase the deductible to bring the cost down.

Liability coverages – Liability insurance will cover damage or injury you incur to other people or property. This insurance protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against claims like emergency aid, legal defense fees, bail bonds and medical expenses. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical payments and PIP coverage – Med pay and PIP coverage provide coverage for immediate expenses for things like ambulance fees, prosthetic devices, nursing services and EMT expenses. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and also any damage incurred to your 2017 Ford Focus ST.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time these limits are set the same as your liablity limits.

Comprehensive auto coverage – This covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as vandalism, damage from a tornado or hurricane and a broken windshield. The most your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Shop Smart and Save

Cost effective 2017 Ford Focus ST insurance is possible from both online companies and from local agencies, and you should be comparing both to have the best rate selection. Some companies do not offer online rate quotes and these small, regional companies only sell through independent agents.

You just read a lot of tips how to reduce 2017 Ford Focus ST insurance rates online. The key concept to understand is the more quotes you get, the better likelihood of getting affordable auto insurance. You may even find the lowest rates are with a smaller regional carrier. These smaller insurers may cover specific market segments cheaper than the large multi-state companies such as GEICO and State Farm.

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