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Ford Focus ST Insurance Rates

There are many options when attempting to insure your Ford vehicle. You can get prices from your neighborhood insurance agent or get quotes online to compare rates from a lot of car insurance companies. Finding cheaper car insurance through online companies saves time, is easy to do and there is a good chance you will probably save money.

Finding the best direct price on car insurance can be a challenge if you are a beginner to online quotes. Don't let that stop you because there is an easy way to compare rates. To find the best car insurance prices, there are several ways of comparing rates and find the best price. The fastest way to compare Focus ST insurance quotes is to perform an online rate comparison. This can be accomplished by comparing rates here.

Insurance rates for your Ford Focus ST can vary widely and are calculated by many factors. Some of these factors include:

  • High performance increases premiums
  • Any accidents you may have
  • Home/auto policy bundles save money
  • Pleasure, commuting or business use can affect rates
  • Your birth date
  • Whether you are married
  • Extra coverages like towing and rental
  • Your profession
  • Insurance coverage level
  • Whether you own your home

One last important factor which can affect the rate you pay on your Ford is the year of manufacture. Models that are a few years old cost less so the payout to repair may end up costing you less. Although newer vehicles may have options included like pedestrian detection, a collision avoidance system, and adaptive headlights which can lower rates.

To get a better understanding how much rates will be for your vehicle, select the year of your Focus ST below.

Coverage for liability

This can cover damage that occurs to other's property or people that is your fault. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so purchase higher limits if possible.

Auto collision coverage

This covers damage to your Ford resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper Focus ST insurance rates.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for 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. The maximum payout you'll receive from a claim is the cash value of the vehicle, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle's occupants from other motorists when they either are underinsured or have no liability coverage at all. Since a lot of drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. PIP coverage is not an option in every state and gives slightly broader coverage than med pay.

How Much are Ford Focus ST Insurance Rates?