Lower Your 2018 Ford Fiesta Insurance Rates

Searching for the cheapest insurance rates for your Ford Fiesta? Trying to find low cost Driversinsurance may be very difficult for drivers not familiar with comparison shopping online. You have so many options that it can quickly become a real challenge to find more affordable rates.

How to buy insurance

All the larger insurance companies provide coverage price quotes online. Obtaining pricing doesn’t take a lot of time as you just enter your required coverages on the page. Once you submit the form, their rating system orders your credit score and driving record and generates pricing information based on these factors.

Online price quotes streamlines rate comparisons, but having to visit different websites and type in the same information is monotonous and tiresome. But it is imperative to perform this step in order to find a lower rate.

Online rates the easy way

An easier way to find better insurance pricing makes use of a single form to get prices from more than one company. It saves time, helps eliminate reptitive entry, and makes online shopping much easier to do. Immediately after submitting the form, your coverage is rated and you are able to buy any of the pricing results. If you find a better price it’s easy to complete the application and buy the new coverage. The whole process takes just a few minutes to complete and you will know how your current rates stack up.

To use this form to compare rates, click here to open in new window and submit your coverage information. If you have a policy now, it’s recommended you complete the form with the limits and deductibles identical to your current policy. This way, you will have a price comparison for similar insurance coverage.

Insurance coverage buyers beware

Companies like 21st Century, Allstate and State Farm consistently run ads in print and on television. They all seem to advertise the message that you can save if you move your policy. How does each company charge less that you’re paying now? This is the way they can do it.

All companies provide the lowest rates for the type of driver that is profitable for them. For example, a driver they prefer might be described as over the age of 40, carries full coverage, and drives a safe vehicle. Anybody who matches those parameters will qualify for the lowest rates and is almost guaranteed to save when switching.

People who don’t measure up to this ideal profile may be required to pay higher rates and this can result in the customer buying from a different company. The wording the ads use say “customers that switch” not “all people who quote” save money. That’s the way companies can state the savings. This really drives home the point why it is so important to get insurance coverage quotes from several different companies. It is impossible to guess which insurance coverage company will have the lowest prices for your situation.

These discounts can lower your auto insurance rates

Auto insurance is not cheap nor is it fun to buy but you may qualify for discounts that could drop your premiums quite a bit. Some trigger automatically when you get a quote, but a few must be asked for before being credited.

  • Telematics Data Discounts – Drivers who elect to allow driving data submission to spy on when and where they use their vehicle through the use of a telematics system such as In-Drive from State Farm or Allstate’s Drivewise system might see lower rates if they show good driving skills.
  • Military Deployment Discount – Being deployed in the military may qualify for rate reductions.
  • Life Insurance Discount – If the company offers life insurance, you could get a discounted rate on car insurance if you buy life insurance from them.
  • One Accident Forgiven – Not a discount per se, but some companies like State Farm and Allstate will let one accident slide before your rates go up if you have no claims prior to the accident.
  • Bundled Policy Discount – If you have multiple policies with one company you may earn 10% to 20% off each policy.
  • Student Discounts – Getting good grades can get you a discount of up to 25%. You can use this discount normally up to age 25.
  • E-sign Discounts – A few insurance companies provide a small discount get insurance coverage over the internet.

You can save money using discounts, but some credits don’t apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears you could get a free auto insurance policy, nobody gets a free ride.

Larger auto insurance companies and some of the discounts include:

  • State Farm includes discounts for Steer Clear safe driver discount, passive restraint, driver’s education, defensive driving training, and safe vehicle.
  • American Family may include discounts for early bird, good student, Steer into Savings, defensive driver, mySafetyValet, bundled insurance, and good driver.
  • GEICO offers premium reductions for driver training, federal employee, anti-lock brakes, multi-vehicle, emergency military deployment, daytime running lights, and membership and employees.
  • 21st Century offers discounts including anti-lock brakes, theft prevention, good student, automatic seat belts, teen driver, homeowners, and air bags.
  • Progressive policyholders can earn discounts including online signing, continuous coverage, multi-vehicle, multi-policy, and homeowner.

Double check with every company which discounts you qualify for. Some discounts may not be available everywhere.

Different people need different car insurance coverages

When it comes to buying the best car insurance coverage for your vehicles, there really is no cookie cutter policy. Every insured’s situation is different.

These are some specific questions can aid in determining if your insurance needs might need professional guidance.

  • Is my 2018 Ford Fiesta covered for flood damage?
  • Do I have coverage if my license is suspended?
  • Is my nanny covered when driving my vehicle?
  • What is the ISO rating for a 2018 Ford Fiesta?
  • Should I waive the damage coverage when renting a car?
  • Does coverage extend to Mexico or Canada?
  • Should I have combined single limit or split liability limits?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out this quick form.

Auto insurance coverage information

Understanding the coverages of your car insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Ford Fiesta.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Coverage for liability

Liability insurance protects you from damages or injuries you inflict on people or other property in an accident. It protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

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. You commonly see policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for things like medical services, legal defense fees, funeral expenses and bail bonds. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.

Comprehensive coverage

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like falling objects, fire damage and hitting a bird. The maximum amount a car 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.

Collision coverage

This pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like scraping a guard rail, sideswiping another vehicle, sustaining damage from a pot hole and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for immediate expenses like ambulance fees, EMT expenses and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and may carry a deductible

What is YOUR best insurance company?

Lower-priced insurance is available both online and with local insurance agents, and you should compare price quotes from both to have the best rate selection. Some insurance companies may not offer the ability to get a quote online and most of the time these regional carriers prefer to sell through independent agents.

Drivers switch companies for many reasons like high prices, an unsatisfactory settlement offer, delays in paying claims or questionable increases in premium. It doesn’t matter why you want to switch finding the right insurance provider is easier than you think.

As you restructure your insurance plan, it’s a bad idea to buy less coverage just to save a little money. In many cases, someone sacrificed liability limits or collision coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal should be to find the BEST coverage at the lowest possible cost, but don’t skip important coverages to save money.

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