2017 Ford Fiesta Insurance Cost – 8 Policy Discounts

Trying to find cheaper insurance for a Ford Fiesta can be a lot of work, but you can follow these tips to find lower rates. There is a right way and a wrong way to shop for insurance coverage and you need to know the absolute fastest way to quote coverages for a Ford and obtain the lowest price.

Earn discounts to get lower-cost car insurance quotes

Car insurance can be pricey, but you might be missing out on some discounts to help bring down the price. Some trigger automatically at the time you complete a quote, but a few need to be requested specifically before you get the savings. If you are not receiving all the discounts you deserve, you are just wasting money.

• Anti-theft System – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems are stolen with less frequency and therefore earn up to a 10% discount.
• Early Switch Discount – Some insurance companies provide a discount for switching companies before your current coverage expires. This can save 10% or more.
• Driving Data Discount – People who choose to allow data collection to look at vehicle usage by using a telematic data system such as State Farm’s In-Drive might get better premium rates if they exhibit good driving behavior.
• Driver Education Discount – Teen drivers should sucessfully take a drivers education course if it’s offered in school.
• Passive Restraints and Air Bags – Options like air bags or automatic seat belts may get savings of 25 to 30%.
• Seat Belt Usage – Drivers who always wear seat belts and also require passengers to use their safety belts may be able to save a few bucks on the premium charged for medical payments and/or PIP.
• Accident Forgiveness Coverage – Not really a discount, but some companies like Liberty Mutual, Allstate and State Farm allow you one accident before your rates go up with the catch being you have to be claim-free for a particular time prior to the accident.
• Discounts for Government Workers – Active or retired federal employment could provide a small rate reduction on Fiesta coverage with a few car insurance companies.

A quick disclaimer, most discounts do not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like comprehensive or collision. So even though you would think all those discounts means the company will pay you, it just doesn’t work that way.

The best car insurance companies and their offered discounts are detailed below.

• AAA policyholders can earn discounts including anti-theft, good student, multi-car, good driver, multi-policy, and pay-in-full.
• Progressive may have discounts that include homeowner, continuous coverage, online quote discount, online signing, multi-vehicle, and multi-policy.
• State Farm has savings for multiple policy, good driver, Steer Clear safe driver discount, passive restraint, and defensive driving training.
• Esurance offers discounts including emergency road assistance, good student, defensive driver, DriveSense, and Pac-12 alumni.
• Nationwide has discounts for multi-policy, business or organization, accident-free, anti-theft, good student, Farm Bureau membership, and easy pay.

If you need lower rates, check with every prospective company which discounts they offer. Some discounts might not apply in your area.

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Tailor your auto insurance coverage to you

When it comes to buying the right insurance coverage for your vehicles, there really is no perfect coverage plan. Every situation is different.

These are some specific questions can help discover whether or not you may require specific advice.

• When do I need to add a new car to my policy?
• How do I insure my teen driver?
• Can I still get insurance after a DUI?
• Is my nanny covered when driving my vehicle?
• Why am I required to buy liability insurance?
• When should I drop full coverage on my 2017 Ford Fiesta?
• Do I have coverage when using my vehicle for my home business?
• Is my 2017 Ford Fiesta covered for smoke damage?
• Am I covered when delivering products for my home-based business?
• When would I need additional glass coverage?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form. It only takes a few minutes and can help protect your family.

Smaller companies may have the best rates

Consumers can’t get away from all the ads that promise big savings by Progressive, Allstate and Geico. All the ads make an identical promise about saving some big amount if you just switch to them.

How is it possible that every company can offer you a better deal?

Car insurance companies quote their best rates for the type of driver that earns them the most money. For example, a desirable risk may be a married female, carries full coverage, and drives a lower-performance vehicle. Someone who fits that profile will qualify for the lowest auto insurance rates and will most likely save a lot if they switch.

Potential customers who do not match those standards may be required to pay a more expensive rate and this can result in the prospect going elsewhere. If you listen closely, the ads state “drivers who switch” not “all people who quote” save that kind of money. That is how companies can truthfully state the savings. Because of this risk profiling, you should get insurance coverage quotes as often as possible. It’s impossible to know which car insurance company will fit your personal profile best.

Insurance coverage breakdown

Understanding the coverages of your policy helps when choosing the right coverages for your vehicles. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as damage to your 2017 Ford Fiesta.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like funeral costs, X-ray expenses and pain medications. They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision – Collision insurance will pay to fix damage to your Fiesta resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as colliding with a tree, crashing into a building and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Coverage for liability – This coverage can cover damages or injuries you inflict on other’s property or people. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims such as repair costs for stationary objects, medical services, attorney fees and emergency aid. How much coverage you buy is up to you, but you should buy as large an amount as possible.

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

Comprehensive coverage protects against things like vandalism, hitting a bird and a broken windshield. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

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Shop Smart and Save

More affordable auto insurance is attainable both online and from local insurance agents, and you should be comparing both in order to have the best chance of saving money. A few companies don’t offer price quotes online and many times these smaller providers prefer to sell through independent agents.

In this article, we presented some good ideas how to get a better price on 2017 Ford Fiesta insurance. It’s most important to understand that the more you quote insurance coverage, the better your chances of lowering your rates. Consumers may even find the lowest prices are with a lesser-known regional company.

When buying insurance coverage, it’s a bad idea to sacrifice coverage to reduce premiums. There have been many cases where someone dropped collision coverage to discover at claim time that the savings was not a smart move. Your focus should be to buy the best coverage you can find at the best cost while still protecting your assets.

Much more information about auto insurance can be read on the following sites:

• Understanding Rental Car Insurance (Insurance Information Insitute)
• Coverage Information (Progressive Insurance)
• Comprehensive Coverage (Liberty Mutual)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)

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