Compare 2018 Ford Focus RS Car Insurance Quotes

Looking for better auto insurance rates for your Ford Focus RS? Paying for high-priced Ford Focus RS insurance can overdraw your monthly budget and put a big crunch on your finances. Doing a rate comparison is free, only takes a few minutes, and is a good way to lower your monthly bill.

Companies like State Farm and GEICO constantly bombard you with ads and it is difficult to avoid their marketing magic and find the best price available.

You should make it a habit to price shop coverage periodically because prices tend to go up over time. Even if you got the lowest rate on Focus RS insurance last year other companies may now be cheaper. Block out anything you think you know about auto insurance because you’re about to find out the easiest way to get good coverage at a lower rate.

If you have insurance now or are looking for a new policy, you will benefit by learning to shop for the lowest rates and possibly find even better coverage. Choosing the best insurance company for you is easy if you know what you’re doing. Vehicle owners just need to understand the tricks to get comparison rates over the internet.

How to compare insurance quotes

Finding low cost insurance rates can be relatively painless. All that’s required is to spend a few minutes to get quotes online with multiple companies. Insurance prices can be quoted using one of these methods.

The single most time-saving way to get quotes is a comparison rater form click here to open form in new window. This type of form prevents you from having to do boring form submissions for every company. Filling out one form gets you coverage quotes from multiple companies.

A less efficient way to analyze rates is to take the time to go to the website of each company and request a quote. For example, let’s say you want to compare rates from Progressive, Allstate and Travelers. To find out each rate you need to spend time on each company’s site and punch in your information repeatedly, which can get old fast. For a handy list of car insurance company links in your area, click here.

It’s up to you how you get prices quotes, just make darn sure you compare the same information on every quote you get. If your comparisons have different coverage information it’s not possible to make a fair comparison for your Ford Focus RS.

Six factors that affect insurance premiums

Many things are taken into consideration when premium rates are determined. Some factors are common sense such as your driving record, although others are not as apparent such as your marital status or your commute time.Part of the insurance buying process is learning the different types of things that help determine insurance rates. When you understand what impacts premium levels, this enables you to make decisions that will entitle you to cheaper rates.

The itemized list below are a partial list of the pieces that factor into prices.

  • Get hitched and get cheaper rates – Your spouse may earn you lower rates on your policy. Having a spouse usually means you are more responsible and statistics prove drivers who are married file infrequent claims.
  • Mature drivers pay less – More experienced drivers have been proven to be more responsible, are lower risk to insure , and are generally more financially stable.Inexperience drivers are statistically shown to get distracted easily when at the wheel of a vehicle and because of this, their insurance rates are much higher.
  • Pay more by driving carelessly – How you drive can have a huge impact on auto insurance premiums. Drivers with clean records tend to pay less for car insurance as compared to those with violations. Only having one ticket can bump up the cost by twenty percent. Drivers who get dangerous citations like hit and run, DWI or reckless driving convictions are required to submit a SR-22 form with their state motor vehicle department in order to drive a vehicle legally.
  • Bad credit hurts insurance rates – A driver’s credit score can be an important factor in determining what you pay. If your credit history can be improved, you may save money insuring your 2018 Ford Focus RS if you clean up your credit. Drivers who have excellent credit scores tend to be more responsible than those with worse credit.
  • Lower stress equals lower premiums – Occupational choices like doctors, social workers and accountants tend to pay higher rates than the rest of us in part from intense work-related stress and incredibly demanding work hours. On the flip side, careers like farmers, engineers and homemakers pay lower than average rates on Focus RS insurance.
  • Rental and towing coverage may not be needed – There are a ton of extra add-on coverages that sound like a good idea at the time on your insurance policy. Coverages for personal injury protection, better glass coverage, and additional equipment coverage may be wasting your money. They may sound like good ideas when buying your policy, but if they’re wasting money get rid of them and save.

Find discounts on auto insurance

Auto insurance is not cheap nor is it fun to buy but you may qualify for discounts to help bring down the price. Many discounts should be triggered when you quote, but some need to be specifically requested prior to getting the savings.

  • Cautious Driver Discounts – Insureds without accidents can get discounts for up to 45% lower rates on Focus RS insurance compared to rates paid by drivers with frequent claims.
  • Renewal Discounts – A few larger companies allow discounts for switching policies before your current coverage expires. It’s a savings of about 10%.
  • E-sign – Certain insurance companies will provide an incentive for buying your policy over the internet.
  • Driver Training Discounts – Completing a course teaching safe driver skills could cut 5% off your bill and easily pay for the cost of the class.
  • Driver’s Ed – Have your child enroll in driver’s education if it’s offered in school.
  • Pay Upfront and Save – If you pay your entire premium ahead of time as opposed to paying monthly you could save up to 5%.
  • Service Members Pay Less – Being on active deployment in the military may qualify for rate reductions.

As is typical with insurance, some of the credits will not apply the the whole policy. A few only apply to specific coverage prices like comprehensive or collision. Even though it appears you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

Companies and a summarized list of policyholder discounts are included below.

  • Progressive discounts include continuous coverage, multi-vehicle, online signing, multi-policy, online quote discount, and good student.
  • The Hartford has discounts for anti-theft, bundle, defensive driver, air bag, and vehicle fuel type.
  • Mercury Insurance may offer discounts for multi-policy, good student, good driver, accident-free, and type of vehicle.
  • GEICO may include discounts for seat belt use, daytime running lights, anti-theft, defensive driver, and membership and employees.
  • AAA includes discounts for education and occupation, AAA membership discount, anti-theft, multi-policy, good driver, and good student.
  • State Farm policyholders can earn discounts including passive restraint, Steer Clear safe driver discount, anti-theft, multiple policy, accident-free, and multiple autos.

If you are trying to find low cost car insurance quotes, ask all companies you are considering to apply every possible discount. Depending on the company, some discounts might not apply in your area. To see a list of providers who offer discounts, click this link.

Tailor your insurance coverage to you

When it comes to buying coverage for your vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is a little different so your insurance should reflect that These are some specific questions may help highlight whether or not you might need an agent’s assistance.

  • Is my vehicle covered by my employer’s policy when using it for work?
  • How can I force my company to pay a claim?
  • Is my nanny covered when driving my vehicle?
  • Do I need more liability coverage?
  • Is a new car covered when I drive it off the dealer lot?
  • Who is covered by my policy?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Specifics of your insurance policy

Understanding the coverages of insurance can help you determine appropriate coverage and proper limits and deductibles. Insurance terms can be confusing and reading a policy is terribly boring. Shown next are typical coverage types found on most insurance policies.

Collision insurance

Collision insurance pays for damage to your Focus RS from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as hitting a parking meter, damaging your car on a curb and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Ford Focus RS.

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 very important. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Liability coverages

This coverage will cover injuries or damage you cause to other people or property that is your fault. It protects you against claims from other people. It does not cover 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. As an example, you may have values of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things like medical services, loss of income, bail bonds and medical expenses. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hail damage, fire damage, theft, damage from getting keyed and hitting a deer. The maximum payout your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for expenses like EMT expenses, prosthetic devices and dental work. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

A tidy conclusion

As you shop your coverage around, it’s not a good idea to skimp on critical coverages to save a buck or two. There have been many situations where an insured dropped liability limits or collision coverage and found out when filing a claim that the small savings ended up costing them much more. Your objective should be to buy the best coverage you can find at the best possible price, but do not skimp to save money.

We just showed you a lot of techniques to compare 2018 Ford Focus RS insurance prices online. It’s most important to understand that the more price quotes you have, the better chance you’ll have of finding cheaper car insurance. Drivers may discover the best prices are with a small mutual company. Some small companies may only write in your state and offer lower rates as compared to the big name companies such as GEICO and State Farm.

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