View 2014 Ford Focus ST Insurance Quotes

Want lower car insurance rates for your Ford Focus ST? Have you fallen victim to overpriced car insurance? Believe me, there are a lot of people just like you who feel imprisoned by their car insurance policy. With so many companies and agents to choose from, it is very difficult to find the best insurance company.

It’s important to compare rates every six months since insurance rates go up and down regularly. If you had the lowest price on Focus ST insurance a few years ago other companies may now be cheaper. You can find a lot of misleading information regarding car insurance online but I’m going to show you some solid techniques on how to slash your car insurance rates.

Choosing the best insurance company for you is quite easy. If you have a policy now or are looking for a new policy, you can use these tips to shop for the lowest rates and possibly find even better coverage. Vehicle owners just need to know the most effective way to compare price quotes online.

Where Can I Get Cheap Insurance?

Finding a better price on insurance can be quick and easy. All you need to do is take the time comparing rates online from several insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. The single most time-saving way to get the best comparison quotes is a comparison rater form like this one (opens in new window). This type of form keeps you from doing separate forms for each company. Just one form will return quotes from multiple low-cost companies.
  2. A harder way to get comparison quotes is to manually visit each company website and fill out their own quote form. For example, let’s assume you want to compare rates from Auto-Owners, Geico and American Family. To get rate quotes you would need to spend time on each company’s site and enter your policy data, which is why the first method is quicker.

    For a list of links to insurance companies in your area, click here.

  3. The most time-consuming method to compare rates is driving to and from local insurance agencies. The ability to buy insurance online has reduced the need for local agents unless you require the trained guidance of a licensed agent. It is possible to comparison shop online and still use a local agent and you’ll learn how to do that later.

Whichever method you choose, compare apples-to-apples coverages for each comparison quote. If your comparisons have mixed coverages it will be very difficult to determine the best price for your Ford Focus ST.

You probably qualify for some discounts

Car insurance companies do not list every discount very clearly, so the following is a list of both the well known and the harder-to-find insurance savings. If you’re not getting every credit possible, you’re paying more than you need to.

  • Discount for Good Grades – Getting good grades can save 20 to 25%. Earning this discount can benefit you until age 25.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
  • Accident Free – Good drivers with no accidents can earn big discounts when compared to frequent claim filers.
  • Life Insurance – Select insurance companies reward you with a discount if you purchase life insurance from them.
  • Club Memberships – Participating in a civic or occupational organization could qualify you for a break on your policy on Focus ST insurance.

Drivers should understand that most discounts do not apply to the entire cost. Some only reduce specific coverage prices like comprehensive or collision. Even though it may seem like you would end up receiving a 100% discount, it doesn’t quite work that way.

For a list of providers with discount insurance rates, click this link.

There’s no such thing as the perfect policy

When buying the right insurance coverage, there really is not a one size fits all plan. Everyone’s needs are different so this has to be addressed. For instance, these questions may help you determine if you will benefit from professional help.

  • Do I need to file an SR-22 for a DUI in my state?
  • Is my camper covered by my car insurance policy?
  • When do I need to add a new car to my policy?
  • Should I have a commercial auto policy?
  • Do I have coverage when pulling a U-Haul trailer?
  • Should I have combined single limit or split liability limits?
  • Are my friends covered when driving my car?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.

Ford Focus ST insurance rates are influenced by…

Consumers need to have an understanding of the factors that play a part in calculating the price you pay for insurance coverage. When you know what positively or negatively determines base rates helps enable you to make changes that will entitle you to much lower annual insurance costs.

  • Where do you drive? – The higher the mileage driven every year the higher your rate. Most insurance companies price each vehicle’s coverage determined by how the vehicle is used. Autos not used for work or commuting receive lower rates than those used for commuting. Ask your agent if your insurance coverage declarations sheet is rated on the correct usage for each vehicle, because improper ratings can cost you money. If your policy improperly rates your Focus ST may be wasting your money.
  • Big city or small town – Being located in less populated areas can be a good thing when insuring your vehicles. Urban drivers regularly have much more traffic and longer commute times. Lower population means fewer accidents as well as less vandalism and auto theft.
  • Discounts for married couples – Getting married can actually save you money on your policy. It translates into being more mature and statistics show being married results in fewer claims.
  • Extra add-on coverages are wasting money – There are many add-on coverages you can purchase when buying insurance coverage. Coverages like roadside assistance, better glass coverage and membership fees may be costing you every month. They may seem like a good idea initially, but your needs may have changed so get rid of them and save.

Auto insurance coverage breakdown

Having a good grasp of your auto insurance policy helps when choosing which coverages you need and proper limits and deductibles. Auto insurance terms can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverage types found on most auto insurance policies.

Collision coverage

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things such as scraping a guard rail, sustaining damage from a pot hole, crashing into a ditch, rolling your car and backing into a parked car. This coverage can be expensive, so consider removing coverage from older vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for bills for surgery, doctor visits, pain medications, EMT expenses and funeral costs. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive auto coverage

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

Comprehensive coverage protects against claims like hail damage, vandalism and a broken windshield. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Ford Focus ST.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Auto liability

This can cover damages or injuries you inflict on a person or their property by causing an accident. This insurance protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things such as pain and suffering, repair costs for stationary objects, medical expenses, court costs and medical services. How much coverage you buy is up to you, but it’s cheap coverage so purchase as much as you can afford.

You can do this!

Low-cost 2014 Ford Focus ST insurance is attainable online as well as from independent agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some companies don’t offer online price quotes and usually these small, regional companies provide coverage only through local independent agents.

You just learned some good ideas how to reduce insurance prices online. It’s most important to understand that the more quotes you get, the more likely it is that you will get a better rate. Drivers may discover the most savings is with a lesser-known regional company. Regional companies often have lower prices on specific markets than their larger competitors like Allstate, Geico and Progressive.

When shopping online for insurance coverage, it’s very important that you do not reduce needed coverages to save money. Too many times, someone sacrificed liability coverage limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy enough coverage at an affordable rate while not skimping on critical coverages.

More detailed insurance coverage information can be found in these articles: