Cheap 2018 Ford Focus ST Insurance Quotes

Want cheaper insurance coverage rates for your Ford Focus ST? There isn’t anyone who enjoys paying for insurance coverage, especially when they could get a better deal. Multiple car insurance companies compete for your business, and it can be difficult to compare rates and uncover the absolute best rates possible.

If you are insured now or are shopping for new coverage, you can use these techniques to reduce the price you pay while maximizing coverage. Finding affordable coverage is easy if you know what you’re doing. Drivers only need an understanding of the proper way to get comparison rates online.

Insurance discounts are available to reduce your rates

Some insurers don’t always advertise every possible discount in a way that’s easy to find, so below is a list both well-publicized and also the more inconspicuous savings tricks you should be using when you buy auto insurance online.

  • Early Renewal Discounts – Some insurance companies reward drivers for renewing your policy before your current policy expires. It can save you around 10%.
  • Responsible Driver Discount – Drivers who avoid accidents can get discounts for up to 45% lower rates for Focus ST insurance than drivers with accidents.
  • Safety Course Discount – Taking a course that instructs on driving safety could cut 5% off your bill depending on where you live.
  • Discount for Low Mileage – Low annual miles can qualify you for discounted premium rates on garaged vehicles.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles prevent accidents so companies give up to a 10% discount.

A little disclaimer on discounts, most of the big mark downs will not be given to your bottom line cost. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy. Any amount of discount will lower your policy premium.

Some companies that possibly offer many of the previously listed discounts are:

Before you buy a policy, ask each insurance company to give you their best rates. Depending on the company, some discounts may not be offered in your area. If you would like to see a list of companies who offer online insurance quotes, click here to view.

What determines Ford Focus ST insurance prices?

Consumers need to have an understanding of a few of the rating criteria that play a part in calculating your policy premiums. If you have some idea of what influences your rates, this allows you to make good choices that will entitle you to cheaper rates. Lots of things are used in the calculation when you get a price on insurance. Some are pretty understandable such as your driving history, but other criteria are not quite as obvious like where you live or your financial responsibility.

  • Gender is a factor – Statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that men are worse drivers. Males and females have auto accidents in similar percentages, but males tend to have higher claims. Men also statistically receive more costly citations such as DWI and reckless driving.
  • Insure your auto and home with one company – Many insurance companies will award discounts for people that have more than one policy in the form of a multi-policy discount. This can amount to as much as ten percent or more Even if you qualify for this discount already, it’s in your best interest to compare other insurance prices to confirm you are receiving the best rates possible. Drivers may still find a better deal by insuring with multiple companies.
  • Credit history impacts prices – Credit history will be a significant factor in calculating your premium rate. Drivers with high credit ratings tend to be less risk to insure than drivers with poor credit scores. So if your credit history is not that good, you could be paying less to insure your 2018 Ford Focus ST by taking the time to improve your credit score.
  • Why do you need liability coverage? – The liability coverage on your policy is the coverage that protects you if ever you are ruled to be at fault for causing personal injury or damage in an accident. Your liability coverage provides legal defense which can be incredibly expensive. Liability is cheap compared to other policy coverages, so drivers should carry high limits.
  • Policy add-ons could be costing you – There are many extra bells and whistles that can waste your money when buying insurance. Coverages for roadside assistance, accidental death, and additional equipment coverage are examples of these. They may seem good when buying your policy, but your needs may have changed so consider taking them off your policy.
  • Adjust coverage deductibles and save – Comp and collision deductibles define the amount you are required to pay if you file a covered claim. Physical damage insurance, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Some examples of claims that would be covered are collision with another vehicle, hail damage, and damage caused by road hazards. The higher the amount you have to pay, the bigger discount you will receive for Focus ST insurance.
  • Your address can influence price – Living in smaller towns and rural areas of the country can save you money when trying to find low car insurance rates. Less people means a lower chance of having an accident in addition to fewer liability claims. Urban drivers regularly have more road rage incidents and more severe claims. More time on the road means higher likelihood of an accident.

Everyone needs different insurance coverages

When it comes to choosing the right insurance coverage, there really is no “perfect” insurance plan. Everyone’s needs are different so your insurance should reflect that For instance, these questions could help you determine whether your personal situation could use an agent’s help.

  • How do I file an SR-22 for a DUI in my state?
  • Why does it cost so much to insure a teen driver?
  • Do I need added coverage for expensive stereo equipment?
  • What is medical payments coverage?
  • Is business equipment covered while in my vehicle?
  • How do I buy GAP insurance?
  • Is my trailer covered?
  • How much can I save by bundling my policies?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance companies in your area. It’s fast, free and may give you better protection.

Advertising myths

Consumers can’t ignore all the ads for the lowest price insurance from the likes of Allstate and Progressive. All the companies convey the message of big savings after switching your policy.

How is it possible that every company can save you money? This is how they do it.

Companies give the best rates for the driver that earns them the most money. One example of a profitable insured might be over the age of 45, has other policies, and drives a car with an anti-theft system. A customer who meets those qualifications receive the lowest rate quotes and most likely will save money with a new company.

Consumers who do not meet those criteria will have to pay higher prices which results in the customer not purchasing. If you pay attention, the ads say “customers that switch” not “everyone that quotes” save that kind of money. That is how insurance companies can confidently advertise the way they do.

Each company has different criteria, so you absolutely need to compare many company’s prices. You cannot predict which company will fit your personal profile best.

Educate yourself about auto insurance coverages

Learning about specific coverages of your policy helps when choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types offered by auto insurance companies.

Auto collision coverage

This will pay to fix damage to your Focus ST resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as hitting a parking meter, damaging your car on a curb, colliding with a tree, backing into a parked car and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2018 Ford Focus ST.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Normally the UM/UIM limits are similar to your liability insurance amounts.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for immediate expenses such as hospital visits, EMT expenses, doctor visits and X-ray expenses. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay

Auto liability

Liability coverage provides protection from damages or injuries you inflict on other’s property or people that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things such as pain and suffering, court costs and funeral expenses. How much liability should you purchase? That is a personal decision, but you should buy as much as you can afford.

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, theft, a tree branch falling on your vehicle and vandalism. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Be a smart shopper

We just showed you some good ideas how you can compare 2018 Ford Focus ST insurance car insurance rates online. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even discover the biggest savings come from the smaller companies. Some small companies may only write in your state and offer lower premium rates as compared to the big name companies such as State Farm and Allstate.

When trying to cut insurance costs, you should never buy less coverage just to save a little money. There are a lot of situations where an accident victim reduced liability coverage limits only to regret that the small savings ended up costing them much more. Your objective should be to find the BEST coverage at the best possible price while not skimping on critical coverages.

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