2013 Ford Focus ST Insurance Cost – 7 Tips to Save

Drivers have lots of choices when trying to find the best price on Ford Focus ST insurance. They can either spend hours contacting agents to get rate comparisons or save time using the internet to find the lowest rates.

There are more efficient ways to find insurance coverage online and you need to know the quickest way to price shop coverage for your Ford and locate the lowest price from both online companies and local agents.

It’s smart to take a look at other company’s rates before your policy renews because prices trend upward over time. Even if you think you had the best rates on Focus ST coverage a couple years back there is a good chance you can find better rates now. Starting now, forget all the misinformation about insurance coverage because we’re going to show you how to use online quotes to save money, get proper coverage and the best rates.

Verify you’re getting all your discounts

The price of auto insurance can be rather high, but companies offer discounts that can drop the cost substantially. Larger premium reductions will be automatically applied when you quote, but less common discounts must be asked for before they will apply. If they aren’t giving you every credit you qualify for, you’re paying more than you need to.

  • Lower Rates for Military – Being on active duty in the military can result in better rates.
  • Auto/Home Discount – When you have multiple policies with one insurance company you will save at least 10% off all policies.
  • Paperwork-free – A few companies give back up to $50 for buying your policy online.
  • Auto/Life Discount – Select insurance companies reward you with lower rates if you buy auto and life insurance together.
  • Homeowners Discount – Owning a home can help you save on insurance because of the fact that having a home demonstrates responsibility.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to wear their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • Club Memberships – Belonging to a civic or occupational organization may earn a discount when buying insurance on Focus ST coverage.

Drivers should understand that some credits don’t apply to all coverage premiums. The majority will only reduce specific coverage prices like medical payments or collision. So when it seems like you would end up receiving a 100% discount, you’re out of luck. Any amount of discount will bring down the cost of coverage.

To see a list of companies offering insurance discounts, click here.

When should I talk to an agent?

When buying the right insurance coverage, there really is no single plan that fits everyone. Every situation is different.

For instance, these questions could help you determine if you might need professional guidance.

  • Can I afford to buy a different vehicle if my 2013 Ford Focus ST is totaled?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • When can I cancel my policy?
  • When should I not file a claim?
  • What is the ISO rating for a 2013 Ford Focus ST?
  • Am I covered if I break a side mirror?
  • Am I covered if hit by an uninsured driver?
  • Do I need rental car coverage?
  • What companies insure drivers after a DUI or DWI?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and can help protect your family.

What auto insurance coverages do you need?

Learning about specific coverages of your auto insurance policy can help you determine the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP provide coverage for expenses for hospital visits, X-ray expenses, doctor visits, funeral costs and nursing services. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Coverage for collisions

Collision coverage pays for damage to your Focus ST caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims such as sustaining damage from a pot hole, damaging your car on a curb and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Comprehensive insurance

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 coverage protects against things such as damage from getting keyed, hitting a bird and hail damage. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability car insurance

Liability coverage will cover damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 which means a $100,000 limit per person for 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 one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as structural damage, medical services and pain and suffering. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Ford Focus ST.

Because many people carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually these limits are similar to your liability insurance amounts.

At the end of the day…

You just read many ideas to get a better price on 2013 Ford Focus ST insurance. The key thing to remember is the more rate quotes you have, the better likelihood of reducing your rate. Drivers may discover the best prices are with a small mutual company.

When shopping online for car insurance, you should never skimp on critical coverages to save a buck or two. Too many times, an insured dropped liability coverage limits and learned later that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy the best coverage you can find for the lowest price while not skimping on critical coverages.

Drivers switch companies for any number of reasons including delays in paying claims, being labeled a high risk driver, denial of a claim or lack of trust in their agent. It doesn’t matter what your reason, finding a new car insurance company is easier than you think.

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