Compare 2013 Ford Focus ST Insurance Rates

Want lower car insurance rates for your Ford Focus ST? Did you fall for a flashy sales pitch and buy an expensive car insurance policy? Believe me, many consumers feel financially strained by their car insurance policy. Popular companies such as Allstate, Liberty Mutual and State Farm persitently shower you with ads and it is challenging if not impossible to sift through the bull and take the time to shop coverage around.

It is always a good idea to take a look at other company’s rates on a regular basis due to the fact that insurance prices are adjusted regularly by insurance companies. Just because you found the lowest rates on Focus ST coverage a couple years back there is a good chance you can find better premium rates now. Forget all the misinformation about car insurance because you’re about to learn the best way to save money, get proper coverage and the best rates.

If you have a current insurance coverage policy or are looking for a new policy, you can use this information to find better prices while maximizing coverage. Choosing the best insurance company for you is quite easy. Drivers just need to know the proper way to shop for insurance coverage online.

Finding car insurance

Finding a better price on car insurance is actually easier than you may think. Consumers just need to invest a few minutes comparing free car insurance quotes online with multiple companies. This can be done in several different ways.

1. The most efficient method consumers can analyze rates is a comparison rater form click here to open form in new window. This method eliminates the need for separate quotes for each price estimate. One form will get you rate comparisons from car insurance companies with the best prices.
2. A harder way to find better pricing consists of going to the website for each individual company to complete a price quote. For sake of this example, let’s assume you need rates from Geico, 21st Century and American Family. To get rate quotes you would need to go to each individual site to enter the same coverage data repeatedly, which can be really labor intensive. For a handy list of car insurance company links in your area, click here.
3. The most time-consuming way to compare price estimates is calling or driving to different agent offices. Comparing online rate quotes eliminates the need for an insurance agent unless you have a complicated situation and need the trained advice that you can only get from talking to an agent. However, consumers can obtain prices from the web but still have the advice of a local agent.

The approach you take is up to you, just be sure you’re using apples-to-apples coverage information for every quote you compare. If the quotes have differing limits it will be impossible to determine which rate is truly the best.

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Insurance coverage savings promises

Consumers can’t avoid all the ads that claim the best prices by Progressive, Geico, Allstate and State Farm. They all advertise claims that you can save if you just switch your policy.

That’s great but how can every company make almost identical claims? This is how they do it.

All the different companies quote the lowest rates for the driver that will be a good risk. For example, a profitable insured might be described as over the age of 40, has no tickets, and has excellent credit. Any new insured that fits those parameters will most likely get cheap rates as well as save when switching.

Potential insureds who are not a match for the ideal profile may be forced to pay higher premiums with the end result being the customer buying from a different company. If you pay attention, the ads say “drivers who switch” not “all people who quote” save that much money. This is how companies can make those statements.

This really emphasizes why drivers must quote coverage with many companies. It is impossible to guess the company that will give you the biggest savings.

Components of your Ford Focus ST insurance premiums

Consumers need to have an understanding of some of the things that play a part in calculating your car insurance rates. When you know what positively or negatively positively or negatively impacts your premiums, this allows you to make educated decisions that can help you get better car insurance rates. Multiple criteria are part of the equation when you quote your car insurance policy. Most are fairly basic such as your driving history, but others are not quite as obvious such as whether you are married or your vehicle rating.

Listed below are some of the factors that factor into your rate level.

• More traffic equals higher costs – Residing in a rural area has it’s advantages when insuring your vehicles. People in densly populated areas tend to have more aggressive driving styles and more severe claims. Less people living in that area means reduced accidents.
• Extra coverages are wasting money – There are a lot of extra add-on coverages you can purchase if you don’t pay attention. Add-on coverages like vanishing deductibles, better glass coverage, and Farm Bureau memberships are probably not needed. They may seem like a good idea when deciding what coverages you need, but if you have no use for them eliminate the coverages to reduce your premium.
• Continuous coverage lowers premiums – Allowing your coverage to lapse is a fast way to increase your car insurance rates. In addition to paying higher rates, getting caught without coverage might get you a license revocation or jail time. Then you may be required to file a SR-22 with your state motor vehicle department to get your license reinstated.
• Demanding job may mean higher premiums – Did you know your occupation can influence how much you pay for car insurance? Careers such as lawyers, executives and accountants tend to pay the highest average rates due to intense work requirements and incredibly demanding work hours. Other professions such as actors, historians and retirees have the lowest average rates on Focus ST coverage.
• Too many claims drive up premiums – If you file claims often, you can definitely plan on either policy cancellation or increased premiums. Insurance companies generally give lower rates to drivers who file claims infrequently. Your insurance policy is designed for more catestrophic claims.

Discounts can really help save money

Insurance coverage is easily one of your largest bills, but there could be significant discounts that may help make it more affordable. Certain reductions will be credited at the time of purchase, but some may not be applied and must be asked about prior to getting the savings.

• 55 and Retired – Drivers that qualify as senior citizens may be able to get a discount up to 10% on Focus ST coverage.
• No Accidents – Insureds who avoid accidents and claims can save substantially compared to insureds who have frequent claims or accidents.
• Drive Safe and Save – Drivers without accidents may receive a discount up to 45% on Focus ST coverage than drivers with accidents.
• Discount for Low Mileage – Driving less could be rewarded with better premium rates on cars that stay parked.
• Own a Home and Save – Being a homeowner may earn you a small savings because owning a home means you have a higher level of financial diligence.

While discounts sound great, it’s important to understand that most credits do not apply to your bottom line cost. Most cut the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

A few of the larger companies and some of the premium reductions they offer are included below.

• Geico policyholders can earn discounts including anti-lock brakes, air bags, membership and employees, daytime running lights, and driver training.
• Travelers has savings for home ownership, hybrid/electric vehicle, payment discounts, student away at school, good student, multi-car, and early quote.
• Farm Bureau offers premium reductions for youthful driver, 55 and retired, safe driver, driver training, multi-policy, renewal discount, and good student.
• Liberty Mutual includes discounts for new move discount, newly married, teen driver discount, new vehicle discount, safety features, preferred payment discount, and new graduate.
• American Family discounts include TimeAway discount, multi-vehicle, good driver, mySafetyValet, early bird, and good student.
• Progressive offers discounts for online quote discount, online signing, good student, multi-vehicle, and homeowner.

When comparing rates, check with each company or agent what discounts are available to you. Some of the discounts discussed earlier might not be available to policyholders in your area. To see a list of insurance coverage companies that offer the discounts shown above, click here.

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Will just any policy work for me?

When choosing adequate coverage for your vehicles, there really is no single plan that fits everyone. Everyone’s situation is unique so your insurance needs to address that. These are some specific questions may help you determine whether or not you might need professional guidance.

• Does my 2013 Ford Focus ST qualify for pleasure use?
• Can I pay claims out-of-pocket if I buy high deductibles?
• When do I need to add a new car to my policy?
• Am I covered when delivering products for my home-based business?
• How much liability do I need to cover my assets?
• Am I covered if I drive in a foreign country?
• Should I file a claim if it’s only slightly more than my deductible?

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Specific coverage details

Learning about specific coverages of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. Insurance terms can be impossible to understand and coverage can change by endorsement. These are the normal coverages available from insurance companies.

Uninsured and underinsured coverage – Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and damage to your 2013 Ford Focus ST.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Normally these coverages are identical to your policy’s liability coverage.

Liability insurance – This coverage can cover injuries or damage you cause to other’s property or people that is your fault. This coverage protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Another option is a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims like bail bonds, legal defense fees and medical services. How much coverage you buy is a decision to put some thought into, but consider buying higher limits if possible.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as funeral costs, EMT expenses, nursing services and ambulance fees. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Collision – Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like colliding with a tree, scraping a guard rail, damaging your car on a curb and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive coverages – This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as falling objects, fire damage, hitting a deer, vandalism and a tree branch falling on your vehicle. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Keep this in mind

We just showed you many ideas to compare 2013 Ford Focus ST insurance rates online. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may even discover the lowest rates are with a small mutual company. They can often provide lower auto insurance rates in certain areas as compared to the big name companies such as Allstate, Geico and Progressive.

When getting car insurance quotes online, it’s not a good idea to buy lower coverage limits just to save a few bucks. There have been many situations where consumers will sacrifice liability limits or collision coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to find the BEST coverage at the best price while still protecting your assets.

More information can be found at the links below

• Reducing Your Risks in a Car Crash Video (iihs.org)
• All About Airbag Safety (State Farm)
• Teen Driver Statistics (Insurance Information Insitute)
• Vehicle Safety Ratings (iihs.org)

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