Cheaper 2016 Ford Focus RS Insurance Quotes

Paying for expensive Ford Focus RS insurance can dwindle your savings account and possibly require you to analyze your spending habits. Comparing price quotes can help to lower your bills every month.

There is such a variety of insurance companies to buy insurance from, and even though it’s nice to have a choice, more options can take longer to compare rates.

Use discounts on auto insurance

Companies offering auto insurance don’t necessarily list their entire list of discounts very well, so we took the time to find both well-publicized as well as some of the hidden discounts that may be available.

• Telematics Data – Drivers who agree to allow companies to spy on driving manner remotely such as In-Drive from State Farm or Allstate’s Drivewise system could see a rate decrease if they exhibit good driving behavior.
• Seat Belt Discounts – Requiring all passengers to use a seat belt can save 10% or more on the medical payments or PIP coverage costs.
• Defensive Driver – Passing a course that instructs on driving safety could cut 5% off your bill if you qualify.
• Early Signing – A few larger companies allow discounts for switching policies prior to the expiration date on your current policy. It could save around 10% when you buy car insurance online.
• Senior Discount – Drivers over the age of 55 may be able to get a slight reduction on a car insurance quote on Focus RS coverage.
• Cautious Driver Discounts – Drivers who avoid accidents can save as much as half off their rates on Focus RS coverage than drivers with accidents.
• Professional Organizations – Affiliation with a qualifying organization could qualify you for a break when getting a car insurance quote.
• Bundle and Save – If you can bundle your auto and homeowners insurance with one company you could get a discount of at least 10 to 15 percent or more.
• Accident-Free Discounts – Insureds who avoid accidents and claims are rewarded with significantly better rates on car insurance quote compared to insureds who have frequent claims or accidents.

Keep in mind that most discount credits are not given to the entire cost. Most only reduce the price of certain insurance coverages like medical payments or collision. Despite the fact that it seems like adding up those discounts means a free policy, companies don’t profit that way.

The best auto insurance companies and some of their more popular discounts can be found below.

• State Farm may offer discounts for passive restraint, defensive driving training, good driver, Drive Safe & Save, student away at school, and good student.
• Esurance policyholders can earn discounts including online quote, defensive driver, homeowner, claim free, DriveSense, and good student.
• Progressive has savings for good student, multi-policy, online quote discount, online signing, homeowner, and multi-vehicle.
• Liberty Mutual offers discounts for new vehicle discount, hybrid vehicle, new graduate, newly married, multi-policy, multi-car, and teen driver discount.
• Auto-Owners Insurance has discounts for anti-lock brakes, paid in full, safe driver, good student, safe vehicle, and company car.
• Geico may have discounts that include multi-vehicle, daytime running lights, air bags, defensive driver, driver training, and membership and employees.

If you are trying to find affordable car insurance quotes, ask each company or agent which discounts can lower your rates. Some discounts listed above might not be offered on policies in your area. To see a list of insurers with the best auto insurance discounts, follow this link.

Tailor your car insurance coverage to you

When choosing the right insurance coverage for your personal vehicles, there really is not a one size fits all plan. Everyone’s situation is unique so your insurance needs to address that. For example, these questions can aid in determining if your insurance needs might need professional guidance.

• Does my medical payments coverage pay my health insurance deductible?
• Is my state a no-fault state?
• Should I drop comprehensive coverage on older vehicles?
• Do I have coverage if my license is suspended?
• Why do I need rental car insurance?
• When should my teen driver be added to my policy?
• When would I need additional glass coverage?

If you’re not sure about those questions then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.

Insurance coverages and their meanings

Learning about specific coverages of a insurance policy aids in choosing the right coverages for your vehicles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Shown next are the usual coverages available from insurance companies.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for expenses for prosthetic devices, ambulance fees, funeral costs, pain medications and doctor visits. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Liability auto insurance

This can cover damages or injuries you inflict on other people or property that is your fault. This insurance protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Some companies may use a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for things like loss of income, legal defense fees, medical services and funeral expenses. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and also any damage incurred to your Ford Focus RS.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Normally these limits do not exceed the liability coverage limits.

Comprehensive auto coverage

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like hail damage, theft, a tree branch falling on your vehicle and rock chips in glass. The maximum payout a 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 removing comprehensive coverage.

Collision coverage protection

Collision insurance covers damage to your Focus RS resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as colliding with another moving vehicle, colliding with a tree, damaging your car on a curb and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Shop around and save

You just read some good ideas how to shop for 2016 Ford Focus RS insurance online. The most important thing to understand is the more you quote car insurance, the better chance you’ll have of finding low cost car insurance. Consumers could even find that the lowest prices come from a smaller regional carrier. They can often provide lower rates in certain areas compared to the large companies like State Farm or Progressive.

When buying insurance coverage, don’t be tempted to sacrifice coverage to reduce premiums. In many instances, drivers have reduced uninsured motorist or liability limits only to discover later they didn’t have enough coverage. The proper strategy is to get the best coverage possible at the best cost, but don’t skip important coverages to save money.

Lower-priced 2016 Ford Focus RS insurance is available online as well as from independent agents, and you should be comparing both to have the best rate selection. Some insurance companies don’t offer the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

More learning opportunities

• Auto Crash Statistics (Insurance Information Insitute)
• What Auto Insurance is Cheapest for a Ford Focus in Lincoln? (LincolnAutoGuard.com)
• Understanding Car Crashes Video (iihs.org)
• Rental Car Insurance Tips (Insurance Information Insitute)
• Parking Tips to Reduce Door Dings (State Farm)
• Teen Driving and Texting (State Farm)
• Protecting Teens from Drunk Driving (Insurance Information Insitute)