2017 Ford Fiesta Car Insurance Quotes – 5 Discounts for Cheaper Rates

Searching for lower insurance rates for your Ford Fiesta? Wish you could get a refund on an overpriced insurance policy? It’s quite common and many consumers feel financially strained by their insurance policy.

Due to the fact that there are so many insurance companies to choose from, it can be challenging to pick a more affordable insurance company.

It’s important to do price comparisons quite often because insurance rates change frequently. If you had the lowest premium rates on Fiesta insurance last year you will most likely find a better price today. Block out anything you think you know about insurance because I’m going to let you in on the secrets to the only way to find better coverage at a better price.

Choosing the best insurance company for you is not rocket science. If you are paying for car insurance now, you stand a good chance to be able to save some money using these tips. Nevertheless, car owners need to have an understanding of how big insurance companies determine prices and use this information to your advantage.

Free auto insurance quotes

There are multiple methods to compare auto insurance quotes, but some are more efficient than others. You can spend countless hours discussing policy coverages with insurance companies in your area, or you could use the internet to maximize your effort.

The majority of car insurance companies enroll in a system where prospective buyers send in one quote, and every company then returns a price quote determined by their information. This eliminates the need for form submissions for each company. To submit your quote information now, click here (opens in new window).

The single downside to pricing coverage this way is that you can’t choose the providers to get quotes from. If you prefer to choose specific insurance companies for rate comparison, we have a listing of the cheapest auto insurance companies in your area. Click here to view list.

It doesn’t matter which method you choose, just try to keep the exact same coverage limits and deductibles for each quote you get. If you are comparing mixed coverages it’s impossible to determine which rate is truly the best. Slightly different insurance coverages can make a big difference in price. Just keep in mind that getting more free quotes helps you find the best rates. Not every company does prices over the internet, so it’s necessary to compare prices from those companies as well.

Are you receiving every discount?

Insurance can be prohibitively expensive, but there are discounts available that you may not even be aware of. Certain discounts will be applied when you purchase, but lesser-known reductions have to be requested specifically before you get the savings. If you don’t get every credit possible, you’re paying more than you need to.

  • Bundle and Save – When you combine your auto and home insurance with one insurance company you could save approximately 10% to 15%.
  • Multi-car Discount – Insuring multiple cars or trucks on one policy can get a discount for every vehicle.
  • Passive Restraints – Vehicles with factory air bags or motorized seat belts could see savings of 25 to 30%.
  • Anti-lock Brake Discount – Cars equipped with ABS or steering control can reduce accidents and will save you 10% or more.
  • Seat Belts Save – Drivers who always wear seat belts and also require passengers to fasten their seat belts can save a little off the medical payments premium.

Please keep in mind that some credits don’t apply to the overall cost of the policy. A few only apply to individual premiums such as comp or med pay. Even though the math looks like you would end up receiving a 100% discount, insurance companies aren’t that generous.

A list of companies and some of the premium reductions they offer include:

  • Geico has discounts for federal employee, air bags, defensive driver, membership and employees, driver training, anti-theft, and emergency military deployment.
  • Mercury Insurance offers premium reductions for location of vehicle, annual mileage, multi-policy, ease of repair, anti-theft, good driver, and age of vehicle.
  • Farmers Insurance may include discounts for pay in full, early shopping, switch companies, good student, teen driver, and alternative fuel.
  • Auto-Owners Insurance offers discounts for paid in full, group or association, student away at school, safe vehicle, air bags, teen driver, and safe driver.
  • Liberty Mutual has savings for good student, safety features, hybrid vehicle, multi-car, and multi-policy.
  • SAFECO may have discounts that include teen safe driver, bundle discounts, homeowner, anti-lock brakes, teen safety rewards, and safe driver.
  • Progressive may offer discounts for homeowner, good student, multi-vehicle, online quote discount, multi-policy, online signing, and continuous coverage.
  • USAA offers discounts including driver training, annual mileage, multi-vehicle, vehicle storage, multi-policy, and defensive driver.

When getting a coverage quote, ask each company which discounts you qualify for. Some credits may not apply in your area. To choose insurers that offer many of these discounts, follow this link.

When in doubt talk to an agent

When choosing adequate coverage for your vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is a little different and a cookie cutter policy won’t apply. These are some specific questions may help you determine if your situation will benefit from professional help.

  • Am I covered if I hit my neighbor’s mailbox?
  • When does my teenage driver need to be added to my policy?
  • Do I need special endorsements for business use of my vehicle?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Will my rates increase for filing one claim?
  • How can I get high-risk coverage after a DUI?
  • Does my liability insurance cover pulling a trailer or camper?
  • What if I don’t agree with a claim settlement offer?
  • I have good health insurance, so how much medical payments coverage do I need?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

Does auto insurance advertising bend the truth?

State Farm, Allstate and Geico seem to constantly run television and radio advertisements. They all state the claim about how much you will save if you move your policy. How is it possible that every company can make the same claim? Here is the trick they use.

Companies can use profiling for the type of insured they prefer to insure. A good example of a desirable risk should be a mature driver, has no prior claims, and has a high credit rating. Any customer who fits that profile may get the lowest car insurance rates and will most likely save quite a bit of money when switching.

Potential customers who don’t meet the requirements may be required to pay a higher rate which translates to business going elsewhere. The wording the ads use say “people that switch” not “all people who quote” can get the lowest rates when switching. That’s the way companies can claim big savings. This illustrates why you absolutely need to get insurance coverage quotes from several different companies. It’s impossible to know which company will have the best rates for your profile.

The coverage is in the details

Knowing the specifics of your policy can help you determine appropriate coverage at the best deductibles and correct limits. Car insurance terms can be difficult to understand and reading a policy is terribly boring. Shown next are the usual coverages found on the average car insurance policy.

Liability coverages – This coverage will cover damage that occurs to people or other property that is your fault. It protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability can pay for claims such as structural damage, medical services, bail bonds and medical expenses. How much coverage you buy is up to you, but buy as large an amount as possible.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as hospital visits, chiropractic care, doctor visits, X-ray expenses and ambulance fees. They can be utilized in addition to your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Fiesta.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Collision coverages – Collision insurance pays for damage to your Fiesta resulting from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims such as crashing into a building, driving through your garage door, hitting a parking meter, damaging your car on a curb and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Comprehensive auto coverage – This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like theft, damage from getting keyed, a broken windshield and falling objects. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Save your cold hard cash

Lower-priced 2017 Ford Fiesta insurance is definitely available on the web as well as from independent agents, so get free insurance coverage quotes from both of them to have the best chance of lowering rates. A few companies don’t offer online quoting and usually these regional carriers work with independent agents.

We just showed you quite a bit of information on how to compare 2017 Ford Fiesta insurance auto insurance rates online. The key thing to remember is the more price quotes you have, the better likelihood of getting low cost insurance coverage. You may even discover the lowest auto insurance rates come from an unexpected company. Some small companies often have lower premium rates on specific markets compared to the large companies like Allstate, Geico and Progressive.

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