Save on 2018 Ford Focus ST Insurance Rates

Are you a victim of high-priced car insurance? Believe me when I say many drivers feel the same as you.

Multiple car insurance companies compete for your hard-earned dollar, and it can be difficult to compare rates to find the absolute lowest price

It’s a great practice to quote other rates quite often because car insurance prices are constantly changing. If you had the best rates on Focus ST coverage on your last policy you can probably find a lower rate today. Ignore everything you know about car insurance because you’re about to learn one of the quickest ways to find the best coverage while lowering your premiums.

First Step: Get free auto insurance quotes

Most major insurance companies make it easy to get price estimates online. Getting online rates is fairly simple as you simply type in your required coverages into the quote form. When complete, the company’s rating system will obtain information on your driving record and credit history and gives you a price quote based on these factors. This makes it easy to compare insurance prices but the work required to visit several different sites and type in the same information is not the best way to spend an afternoon. Unfortunately, it is important to compare as many rates as possible in order to get the lowest price.

An easier way to lower your rates makes use of a single form that gets price quotes from several different companies. This type of form saves time, requires less work, and makes price shopping online much simpler. As soon as the form is sent, it is rated and you are able to buy any or none of the quotes that you receive. If a lower price is quoted, it’s easy to complete the application and buy the new coverage. It takes 15 minutes at the most and could lower your rates considerably.

If you want to find out if lower rates are available, click here to open in new window and enter your vehicle and coverage information. If you have a policy now, it’s recommended you duplicate your coverages exactly as shown on your declarations page. This guarantees you will be getting rate comparison quotes based on identical coverages.

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Get cheap rates with these discounts

Companies offering auto insurance don’t always publicize every possible discount in an easy-to-find place, so the list below details a few of the more well known and the more hidden savings tricks you should be using when you buy car insurance online.

• Discount for Life Insurance – Insurance carriers who offer life insurance give a lower price if you buy life insurance from them.
• Senior Citizen Discount – Drivers over the age of 55 can possibly qualify for a discount up to 10% on Focus ST coverage.
• Military Rewards – Having an actively deployed family member may lower your premium rates slightly.
• Good Student – Maintaining excellent grades may save you up to 25%. You can use this discount normally up to age 25.
• First Accident Forgiveness – but some companies like Progressive, Allstate, and Geico will allow you to have one accident before hitting you with a surcharge with the catch being you have to be claim-free before the accident.
• Payment Method – By paying your policy upfront rather than paying in monthly installments you could save up to 5%.
• Data Collection Discounts – People who choose to allow driving data submission to monitor when and where they use their vehicle remotely like Drivewise from Allstate or In-Drive from State Farm might see lower rates if their driving habits are good.
• Organization Discounts – Having an affiliation with a civic or occupational organization could qualify you for a break on your next renewal.

You should keep in mind that some of the credits will not apply to the entire cost. Most only reduce the cost of specific coverages such as collision or personal injury protection. So even though you would think you could get a free car insurance policy, companies wouldn’t make money that way.

Companies and some of their more popular discounts are outlined below.

• Farm Bureau has discounts for renewal discount, multi-policy, good student, multi-vehicle, 55 and retired, and driver training.
• State Farm offers premium reductions for defensive driving training, multiple autos, accident-free, multiple policy, good driver, driver’s education, and good student.
• Progressive may offer discounts for continuous coverage, online signing, multi-policy, good student, homeowner, and online quote discount.
• Allstate may have discounts that include good payer, resident student, safe driver, utility vehicle, EZ pay plan discount, multi-policy, and eSmart discount.
• Nationwide may include discounts for Farm Bureau membership, accident-free, business or organization, defensive driving, and easy pay.
• MetLife has savings for good student, good driver, claim-free, multi-policy, and defensive driver.

If you are trying to find affordable car insurance quotes, ask every insurance company what discounts are available to you. Some discounts might not be available to policyholders in every state. To view insurance companies that offer many of these discounts, click this link.

Insurance coverage can be complex

When it comes to choosing the best insurance coverage coverage, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s and your policy should reflect that. For instance, these questions may help highlight whether or not you might need professional guidance.

• Is my state a no-fault state?
• Am I getting all the discounts available?
• How does medical payments coverage work?
• Can I afford to buy a different vehicle if my 2018 Ford Focus ST is totaled?
• Am I better off with higher deductibles on my 2018 Ford Focus ST?
• Am I covered when driving a rental car?
• Is a blown tire covered by insurance?
• Should I buy additional glass protection?
• Will I be non-renewed for getting a DUI or other conviction?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Auto insurance coverage information

Having a good grasp of insurance helps when choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy. These are the usual coverages found on most insurance policies.

Coverage for liability

Liability coverage provides protection from injuries or damage you cause to other people or property in an accident. It protects you against other people’s claims. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability can pay for claims such as medical expenses, emergency aid, funeral expenses, attorney fees and loss of income. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.

Collision insurance

Collision coverage covers damage to your Focus ST from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like scraping a guard rail, backing into a parked car and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for bills like surgery, chiropractic care, dental work, ambulance fees and pain medications. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Uninsured and underinsured coverage

This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as damage to your Ford Focus ST.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as hitting a deer, theft, a tree branch falling on your vehicle and damage from a tornado or hurricane. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

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Be a penny pincher

Cheaper 2018 Ford Focus ST insurance is definitely available from both online companies in addition to local insurance agencies, and you need to price shop both to have the best rate selection. There are still a few companies who may not offer rates over the internet and many times these small, regional companies sell through independent agencies.

You just read a lot of techniques to save on 2018 Ford Focus ST insurance. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding the cheapest car insurance. Consumers may even find the biggest savings come from the least-expected company. These smaller insurers often have lower prices on specific markets compared to the large companies like Progressive and Geico.

Additional resources

• Crash Avoidance Technologies FAQ (iihs.org)
• Understanding Rental Car Insurance (Insurance Information Insitute)
• Top Signs Your Brakes are Giving Out (State Farm)
• Credit and Insurance Scores (Insurance Information Insitute)
• Credit Impacts Car Insurance Rates (State Farm)

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