Ford Focus ST Insurance Rates

You have many choices when attempting to insure your Ford vehicle. You can either buy through an agent or shop online to compare insurance costs of many different auto insurance companies. Comparing auto insurance through online rate quotes is easy, in addition you can save money.

Beginners to comparing rates may think purchasing affordable Focus ST insurance is going to be difficult. Getting cheaper insurance rates can be surprisingly simple. The only requirement is to invest a few minutes getting comparison quotes from different insurance companies. This can be done by getting a quick quote here.

Criteria which help determine car insurance premiums

Car insurance premiums paid to insure a Ford Focus ST can vary widely based upon several criteria. A few of these criteria are:

The performance level of your Focus ST
Any accidents you may have
Home and auto can earn discounts
How you use your vehicle
Your age
Being married may save money
Optional coverages like vehicle replacement
Your claim history
Maintaining coverage lowers rates
Owning a home can lower rates

An additional factor that can impact Focus ST insurance rates is the year of the vehicle. Models that are new have a higher value than older models so repair costs are higher which can inflate annual premiums. But newer models may have safety features including autonomous braking, an advanced theft deterrent system, a telematics system, and adaptive headlights which can help offset higher rates.

To get more specific information about how much rates will be for your vehicle, select the year of your Focus ST from the following list.

Auto liability

Liability insurance protects you from injuries or damage you cause to a person or their property. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so you should buy higher limits if possible.

Auto collision coverage

This coverage pays for damage to your Ford from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive auto coverage

This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection when the "other guys" do not carry enough liability coverage. Because many people carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for bills such as ambulance fees, surgery, and doctor visits. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. PIP is not available in all states and may carry a deductible.

How Much are Ford Focus ST Insurance Rates?