2016 Ford Focus ST Insurance Quotes – 7 Discounts for Best Rates

Locating discount auto insurance online can seem to be rather challenging for buying their auto insurance on the web. With so many online companies available, how can anyone have a chance to compare the different rates to find the lowest price?

Get cheap rates by taking advantage of these seven discounts

Companies that sell car insurance don’t always list every policy discount very clearly, so we researched some of the more common and the harder-to-find auto insurance savings.

  • Accident Forgiveness Coverage – This isn’t a discount exactly, but certain companies will forgive one accident without the usual rate increase if you have no claims prior to the accident.
  • Paperless Signup – Some of the larger companies provide a small discount for completing your application over the internet.
  • Early Signing – Some auto insurance companies reward drivers for signing up prior to your current policy expiring. This discount can save up to 10%.
  • Drivers Ed for Students – Teen drivers should participate in a local driver’s education class as it can save substantially.
  • Senior Discount – Drivers over the age of 55 can get lower premium rates on Focus ST insurance.
  • Homeowners Pay Less – Just being a homeowner can save a few bucks because owning a home requires personal responsibility.
  • Resident Student – Any of your kids who are attending college and won’t have access to an insured vehicle could qualify for this discount.

A little disclaimer on discounts, some of the credits will not apply to the entire policy premium. Most cut specific coverage prices like medical payments or collision. So when it seems like it’s possible to get free car insurance, you’re out of luck. Any qualifying discounts will help lower your policy premiums.

A few popular companies and some of the premium reductions they offer are outlined below.

  • Progressive policyholders can earn discounts including multi-policy, continuous coverage, good student, homeowner, and online signing.
  • AAA may offer discounts for anti-theft, multi-policy, good driver, pay-in-full, and AAA membership discount.
  • Farmers Insurance has discounts for electronic funds transfer, distant student, business and professional, bundle discounts, good student, switch companies, and mature driver.
  • Geico discounts include seat belt use, anti-lock brakes, membership and employees, multi-vehicle, federal employee, multi-policy, and air bags.
  • Esurance may include discounts for multi-policy, online shopper, emergency road assistance, homeowner, good student, DriveSense, and renters.
  • SAFECO offers discounts including safe driver, teen safe driver, teen safety rewards, anti-theft, homeowner, bundle discounts, and anti-lock brakes.
  • State Farm has savings for anti-theft, good driver, accident-free, driver’s education, and Drive Safe & Save.

If you need lower rates, check with each insurance company what discounts are available to you. Some discounts might not apply in your area.

The quickest method to get policy rate comparisons utilizes the fact most larger insurance companies allow for online access to provide you with free rate quotes. All consumers are required to do is provide information like your general credit rating, whether you are single or married, if you lease or own, and your job. That rating information is instantly provided to many of the top insurers and you will receive price estimates immediately.

How much car insurance do I need?

When buying adequate coverage, there really is no perfect coverage plan. Everyone’s situation is unique.

For instance, these questions may help highlight if your insurance needs may require specific advice.

  • How many claims can I have before being cancelled?
  • Does liability extend to a camper or trailer?
  • Should I bundle my homeowners policy with my auto?
  • What can I do if my company denied a claim?
  • Who is covered by my policy?
  • What if I don’t agree with a claim settlement offer?
  • Can my teen drive my company car?
  • Are all vehicle passengers covered by medical payments coverage?

If you’re not sure about those questions but one or more may apply to you, 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.

Insurance coverage advertisements

Respected companies like 21st Century, Allstate and State Farm regularly use television, radio, and online ads. All the companies try to convey promises about savings just by moving your coverage. How does each company have lower policy pricing? This is the way they can do it.

Insurance companies have specific guidelines for the right customer that earns them a profit. For example, a desirable risk may need to be between the ages of 30 and 50, has a low-risk occupation, and chooses high deductibles. Anyone who fits that profile will most likely get cheap prices and have a good chance to pay quite a bit less when switching companies.

Insureds who don’t meet these stringent criteria will probably have to pay higher premiums and ends up with the prospect going elsewhere. The ad wording is “drivers that switch” not “everyone who quotes” save money. That’s the way insurance companies can claim big savings. That is why you absolutely need to do a quote comparison often. It is impossible to predict which insurance companies will have the lowest rates.

Auto insurance 101

Learning about specific coverages of a auto insurance policy helps when choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Coverage for liability – Liability insurance will cover damages or injuries you inflict on other people or property that is your fault. 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: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims like emergency aid, bail bonds, legal defense fees, attorney fees and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.

Comprehensive auto insurance – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like damage from getting keyed, hail damage, hitting a deer and damage from flooding. The highest amount a auto 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 coverages – This will pay to fix damage to your Focus ST from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things like rolling your car, colliding with another moving vehicle, hitting a parking meter and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.

Coverage for medical expenses – Med pay and PIP coverage reimburse you for bills for things like prosthetic devices, dental work and doctor visits. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Coverage for uninsured or underinsured drivers – This protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Ford Focus ST.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Cheaper insurance is a realistic goal

Drivers who switch companies do it for any number of reasons including poor customer service, high rates after DUI convictions, extreme rates for teen drivers or even denial of a claim. Whatever your reason, finding the right car insurance provider is pretty easy and you might even save some money in the process.

We just showed you some good ideas how to save on 2016 Ford Focus ST insurance. It’s most important to understand that the more you quote insurance, the more likely it is that you will get a better rate. You may even discover the lowest prices are with some of the smallest insurance companies.

As you shop your coverage around, you should never buy lower coverage limits just to save a few bucks. In too many instances, an accident victim reduced liability coverage limits only to regret that their decision to reduce coverage ended up costing them more. Your strategy should be to buy a smart amount of coverage for the lowest price while still protecting your assets.

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