View 2017 Ford Focus RS Insurance Rates

Searching for lower insurance rates for your Ford Focus RS? Overwhelmed by the dozens of insurance providers? drivers have so many choices that it is a difficult situation to find a cheaper company.

It’s a good idea to price shop coverage before your next renewal due to the fact that insurance prices are adjusted regularly by insurance companies. Even if you got the lowest rates on Focus RS insurance at your last renewal you may be paying too much now. Ignore everything you know about insurance because I’m going to let you in on the secrets to how to use the internet to find great coverage at a great price.

The Ford Focus RS insurance price equation

Lots of things are taken into consideration when premium rates are determined. Some are obvious like an MVR report, although others are more obscure such as whether you are married and annual miles driven.Consumers need to have an understanding of a few of the rating criteria that aid in calculating your policy premiums. When you understand what impacts premium levels, this helps enable you to make changes that could help you find big savings.

• Is insurance coverage cheaper for females or males? – Statistics show that men are more aggressive behind the wheel. The data does not necessarily mean that women are better drivers. They both are in accidents in similar percentages, but the male of the species tend to have higher claims. In addition to higher claims, males also get more serious tickets like DUI and reckless driving.
• How your age affects costs – Teen drivers are statistically shown to get distracted easily in a vehicle so insurance rates are higher. Older, more experienced drivers are proven to be safer behind the wheel, tend to cause fewer accidents and receive fewer citations.
• More traffic means higher claims – Living in smaller towns and rural areas of the country can save you money when shopping for auto insurance. Fewer drivers on the road means a lower chance of having an accident and lower theft and vandalism rates. People who live in big cities tend to have much more traffic and much longer commute distances. Longer commute distances means a statistically higher chance of an accident.
• Does your occupation cost you more? – Did you know your occupation can influence how much you pay for insurance? Careers like fire fighters, social workers and dentists generally have higher premiums than the average policyholder attributed to job stress and lots of time spent at work. Other jobs like farmers, students and the unemployed pay the least on Focus RS insurance.

The easiest way to compare rates is to understand car insurance companies have advanced systems to give rate comparisons. The only thing you need to do is provide information like which vehicles you own, your credit rating estimate, the ages of drivers, and deductibles desired. Your insurance information is instantly submitted to multiple top-rated companies and you receive quotes instantly to find the best rate.

To compare multiple company rates now, click here and enter your zip code.

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Is there deception in advertising?

21st Century, Allstate and State Farm seem to constantly run ads on TV and radio. They all state the claim that drivers can save some big amount if you change to them. How is it plausible that every one can offer you a better deal? This is the way they can do it.

Insurance companies give the best rates for a prospective insured that will most likely be profitable. One example of this type of risk profile could be between 30 and 50, has a clear driving record, and drives less than 5,000 miles a year. A customer getting a price quote who matches those parameters will qualify for the lowest prices and will most likely cut their rates substantially.

Potential customers who fall outside those standards may be required to pay a more expensive rate which usually ends up with the customer not buying. If you listen to the ad wording, they say “customers who switch” not “all people who quote” save that kind of money. That’s why insurance companies can make those claims. This illustrates why you need to get a wide range of price quotes. Because you cannot predict which insurance companies will give you lower premium rates than your current company.

Earn discounts on auto insurance

Insuring your vehicles can cost a lot, but you may qualify for discounts that could drop your premiums quite a bit. Most are applied when you complete an application, but less common discounts must be specifically requested before they will apply.

• Safe Drivers – Insureds who avoid accidents can save as much as half off their rates on Focus RS insurance than less cautious drivers.
• Good Student – Maintaining excellent grades can be rewarded with saving of up to 25%. The discount lasts up to age 25.
• Payment Method – By paying your policy upfront as opposed to paying monthly you can actually save on your bill.
• Low Mileage – Low annual miles can earn slightly better premium rates than normal.
• Telematics Data – Insureds that choose to allow driving data submission to analyze their driving habits remotely such as State Farm’s In-Drive could see a rate decrease as long as the data is positive.
• Driver Training Discounts – Passing a defensive driving course could save 5% or more and also improve your driving technique.
• Own a Home – Just being a homeowner may trigger a policy discount on auto insurance because maintaining a house is proof that your finances are in order.
• Discount for Swiching Early – Some auto insurance companies reward drivers for buying a policy prior to the expiration date on your current policy. The savings is around 10%.
• Policy Bundle Discount – If you combine your auto and homeowners policies and place coverage with the same company you may save over 10 percent off each policy depending on the company.

Keep in mind that most discount credits are not given to your bottom line cost. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. Even though the math looks like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business. Any amount of discount will bring down your overall premium however.

A list of auto insurance companies and the discounts they provide include:

• American Family may include discounts for multi-vehicle, TimeAway discount, defensive driver, good driver, and air bags.
• State Farm includes discounts for multiple policy, driver’s education, Drive Safe & Save, passive restraint, student away at school, safe vehicle, and accident-free.
• 21st Century may offer discounts for teen driver, driver training, air bags, theft prevention, student driver, and good student.
• Travelers has discounts for driver training, student away at school, payment discounts, hybrid/electric vehicle, and multi-car.
• Geico has savings for emergency military deployment, daytime running lights, multi-policy, defensive driver, multi-vehicle, five-year accident-free, and driver training.

When quoting, ask each company what discounts are available to you. Some discounts listed above might not be offered in your area. To view providers that offer many of these discounts, click here to view.

Tailor your auto insurance coverage to you

When choosing the best auto insurance coverage, there really is not a “best” method to buy coverage. Everyone’s situation is unique.

For instance, these questions could help you determine whether your personal situation would benefit from professional advice.

• Is motorclub coverage worth it?
• Can I rate high risk drivers on liability-only vehicles?
• When should I not file a claim?
• When should I buy a commercial auto policy?
• Does my car insurance cover rental cars?
• Is a new car covered when I drive it off the dealer lot?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form.

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Specific coverage details

Understanding the coverages of your car insurance policy can help you determine the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for bills like prosthetic devices, dental work and EMT expenses. They are utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Auto liability insurance

Liability insurance protects you from damages or injuries you inflict on people or other property. It protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage pays for things like medical services, loss of income, funeral expenses and pain and suffering. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured/Underinsured Motorist coverage

This provides 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 damage to your Ford Focus RS.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision insurance

Collision insurance will pay to fix damage to your Focus RS from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as rolling your car, damaging your car on a curb and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible to get cheaper collision coverage.

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like falling objects, vandalism, theft and damage from a tornado or hurricane. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

In conclusion

Cheaper auto insurance can be purchased on the web and also from your neighborhood agents, so get free auto insurance quotes from both of them in order to have the best price selection to choose from. A few companies do not provide the ability to get quotes online and most of the time these regional insurance providers prefer to sell through local independent agents.

Drivers switch companies for a variety of reasons including questionable increases in premium, being labeled a high risk driver, not issuing a premium refund and even policy cancellation. It doesn’t matter what your reason, switching auto insurance companies is pretty simple and you could end up saving a buck or two.

As you go through the steps to switch your coverage, never reduce coverage to reduce premium. In many instances, an insured dropped full coverage to discover at claim time they didn’t have enough coverage. Your goal should be to purchase plenty of coverage at the best price, but don’t skip important coverages to save money.

More detailed auto insurance information can be found by following these links:

• Electronic Stability Control FAQ (iihs.org)
• What Insurance is Cheapest for a Ford Focus in Greensboro? (QuoteGreensboro.com)
• Distracted Driving Statistics (Insurance Information Insitute)
• Coverage Information (Progressive Insurance)
• Auto Insurance 101 (About.com)

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