Save on 2014 Ford Fiesta Car Insurance Rates

Finding lower premiums on auto insurance can seem to be difficult for people who are new to shopping for insurance online. There are so many companies to choose from that it can be more work than you anticipated to find lower rates.

Companies offer discounts so take them!

Companies don’t always list every available discount in an easy-to-find place, so here is a list both the well known and also the lesser-known savings tricks you should be using.

  • Good Students Pay Less – A discount for being a good student can be rewarded with saving of up to 25%. Earning this discount can benefit you until age 25.
  • Braking Control Discount – Vehicles with anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.
  • Anti-theft Discount – Cars that have factory anti-theft systems can help prevent theft and earn discounts up to 10%.
  • Multiple Vehicles – Buying coverage for multiple vehicles with the same company may reduce the rate for each vehicle.
  • Bundle and Save – If you insure your home and vehicles with the same company you will save 10% to 20% off each policy.
  • Sign Online – Some insurance companies may give you up to $50 just for signing your application over the internet.
  • Distant Student – Kids in college living away from home attending college and do not have a car may qualify for this discount.

Keep in mind that most of the big mark downs will not be given to the entire cost. Most only reduce specific coverage prices like medical payments or collision. So when the math indicates all those discounts means the company will pay you, companies wouldn’t make money that way.

A partial list of companies that possibly offer these discounts include:

Before buying, ask every prospective company what discounts are available to you. Discounts might not be offered everywhere.

The easiest way to compare car insurance rates is to take advantage of the fact almost all companies actually pay money for the chance to quote your coverage. To get started, all you need to do is spend a couple of minutes providing details including how you use your vehicles, if you lease or own, driver details, and your general credit rating. That rating data gets sent immediately to many highly-rated insurers and they return rate quotes quickly.

To check rates for your 2014 Ford Fiesta, click here and enter the information requested.

Factors that can influence Ford Fiesta insurance rates

Consumers need to have an understanding of some of the elements that come into play when calculating your insurance coverage rates. Knowing what impacts premium levels helps enable you to make changes that will entitle you to better insurance coverage rates.

  • Always keep insurance in force – Allowing your coverage to lapse will be a guaranteed way to pay more for insurance coverage. Not only will you pay more, but being ticketed for driving with no insurance might get you a revoked license or a big fine.You may have to submit proof of financial responsibility or a SR-22 with your state DMV.
  • Rural vs Urban Areas – Residing in a small town can be a good thing when it comes to insurance coverage. Fewer drivers means a lower chance of having an accident as well as less vandalism and auto theft. City drivers have to deal with much more traffic to deal with and a longer drive to work. More time on the road translates into higher accident risk.
  • Your credit rating is important – A driver’s credit score is a important factor in determining what you pay for insurance coverage. If your credit history is lower than you’d like, you could pay less to insure your 2014 Ford Fiesta by improving your credit score. People with high credit scores tend to be more responsible than drivers with poor credit.
  • Men fork out a little more – Statistics have proven that men are more aggressive behind the wheel. That doesn’t necessarily mean that women are better drivers. Women and men have accidents at a similar rate, but the men cause more damage. Men also statistically get more serious tickets like DUI and reckless driving. Youthful male drivers are most likely to cause an accident and therefore are the most expensive to insure.
  • Your insurance coverage rates can be influenced by your job – Occupations such as lawyers, executives and dentists have the highest average rates because of high stress and lots of time spent at work. Other occupations such as farmers, historians and retirees get better rates on Fiesta insurance.
  • Small claims can cost you – Car insurance companies give lower rates to people who are claim-free. If you file claims often, you can pretty much guarantee either a policy non-renewal or much higher rates. Auto insurance is intended to be relied upon for the large, substantial claims.
  • How your age affects price – Teenage drivers tend to be careless and easily distracted when driving so insurance coverage rates are higher. If you’ve ever had to add a young driver to your policy can really hurt. More mature drivers are more cautious drivers, tend to cause fewer accidents and are safer drivers.
  • Marriage pays dividends – Having a spouse helps lower the price on your policy. Having a significant other means you’re more responsible and it’s proven that married drivers get in fewer accidents.

Do I just need basic coverages?

When buying adequate coverage for your personal vehicles, there really is not a perfect coverage plan. Every insured’s situation is different.

For example, these questions could help you determine whether you would benefit from an agent’s advice.

  • Am I missing any policy discounts?
  • Do I need to file an SR-22 for a DUI in my state?
  • At what point should I drop full coverage?
  • Where can I find DUI or SR-22 insurance?
  • Are rental cars covered under my policy?
  • Does my personal policy cover me when driving out-of-state?
  • Does insurance cover tools stolen from my truck?
  • Does my 2014 Ford Fiesta need full coverage?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form.

Don’t believe everything you hear

Car insurance companies such as 21st Century, Allstate and State Farm constantly bombard you with ads in print and on television. They all seem to make the same claim about savings if you switch to them. How do they all say the same thing? This is how they do it.

All companies have a preferred profile for the type of customer that makes them money. For instance, a desirable insured might be profiled as between 30 and 50, has no tickets, and has a short commute. A customer who fits that profile will get the preferred rates and therefore will save a lot of money.

Drivers who do not match these standards will be quoted higher premiums which usually ends up with business going elsewhere. The ad wording is “customers who switch” not “everyone that quotes” save that kind of money. That’s the way companies can truthfully advertise the savings. This emphasizes why you should get as many quotes as possible. Because you never know the company that will have the lowest Ford Fiesta insurance rates.

Auto insurance 101

Understanding the coverages of your car insurance policy aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring.

Liability coverages

This coverage protects you from damage that occurs to people or other property by causing an accident. It protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

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 values of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability can pay for things like bail bonds, pain and suffering and attorney fees. The amount of liability coverage you purchase is a personal decision, but consider buying higher limits if possible.

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as hitting a bird, damage from getting keyed, damage from flooding and rock chips in glass. The most you’ll receive from a claim 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.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for expenses like X-ray expenses, prosthetic devices, doctor visits, ambulance fees and funeral costs. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

Collision coverage protection

Collision insurance covers damage to your Fiesta resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as backing into a parked car, crashing into a building, hitting a mailbox and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

UM/UIM Coverage

This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Ford Fiesta.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Have money to burn

When you buy insurance online, you should never buy less coverage just to save a little money. There are many occasions where someone sacrificed full coverage only to regret that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to purchase plenty of coverage at a price you can afford while still protecting your assets.

Cost effective 2014 Ford Fiesta insurance can be purchased on the web in addition to many insurance agents, and you need to price shop both to get a complete price analysis. Some insurance companies do not provide online quoting and these small, regional companies work with independent agents.

People leave their current company for a variety of reasons including lack of trust in their agent, high rates after DUI convictions, high prices and an unsatisfactory settlement offer. Regardless of your reason for switching companies, switching companies is actually quite simple.

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