2017 Ford Focus ST Insurance Cost

Looking for lower auto insurance rates for your Ford Focus ST? When trying to find more affordable insurance, do you get overwhelmed by the number of auto insurance sources available to you? vehicle owners have such a vast assortment of sources available that it can quickly become more work than you anticipated to find the lowest price.

Why informed consumers pay less for Ford Focus ST insurance

Part of the insurance coverage buying process is learning some of the factors that play a part in calculating the rates you pay for insurance coverage. When you understand what determines base rates, this allows you to make good choices that could help you find big savings.

The factors shown below are most of the major factors insurance coverage companies consider when setting your rates.

  • Big cities have higher costs – Living in a small town is a positive aspect when insuring your vehicles. Less people living in that area means fewer accidents and a lower car theft rate. Urban drivers have to deal with much more traffic and higher rates of accident claims. More time on the road statistically corresponds to a higher accident and claim rate.
  • With age comes lower premiums – Teen drivers have been known to be less responsible in a vehicle so they pay higher insurance coverage rates. Older insureds are more cautious drivers, statistically cause fewer accidents and get fewer tickets.
  • Gender and auto insurance – Over the last 30 years, statistics show that females tend to be a little less risky than males. However, don’t assume that women are BETTER drivers than men. Females and males cause accidents in similar percentages, but the male of the species tend to have higher claims. Men also receive more costly citations such as reckless driving. Teenage male drivers are most likely to cause an accident and therefore pay the highest rates.
  • Do you really need to file that insurance coverage claims? – Auto insurance companies award lower rates to insureds who file claims infrequently. If you file claims often, you can expect increased rates or even have your policy non-renewed. Insurance coverage is intended to be relied upon for larger claims.

Take advantage of every insurance discount

Insurance can be prohibitively expensive, but companies offer discounts to reduce the price significantly. Some of these disounts will be visible at quote time, but lesser-known reductions have to be asked for before they will apply.

  • Defensive Driver – Completing a course teaching safe driver skills could earn you a small percentage discount and easily recoup the cost of the course.
  • Home Ownership Discount – Simply owning a home may trigger a policy discount on insurance because it requires personal responsibility.
  • Anti-lock Brakes – Cars that have anti-lock braking systems are much safer to drive and will save you 10% or more.
  • Multi-car Discount – Buying insurance for primary and secondary vehicles with one company can get a discount for every vehicle.
  • No Claim Discounts – Good drivers with no accidents have much lower rates when compared with policyholders that have many claims.
  • Military Deployment Discount – Having a family member in the military could qualify you for better rates.
  • Auto/Home Discount – If you insure your home and vehicles and insure them both with the same insurance company you may earn over 10 percent off each policy depending on the company.
  • Senior Citizens – If you’re over the age of 55, you may receive reduced rates on Focus ST coverage.
  • Include Life Insurance and Save – Larger insurance companies have better prices if you take out life insurance.
  • Drive Safe and Save – Accident-free drivers may receive a discount up to 45% on Focus ST coverage as compared to drivers with claims.

As is typical with insurance, some credits don’t apply to all coverage premiums. A few only apply to the cost of specific coverages such as collision or personal injury protection. Even though it appears it’s possible to get free car insurance, companies don’t profit that way. Any qualifying discounts will bring down the amount you pay for coverage.

A list of companies and their offered discounts can be read below.

  • State Farm offers discounts for student away at school, Drive Safe & Save, defensive driving training, safe vehicle, and good student.
  • Farmers Insurance offers discounts including business and professional, multi-car, homeowner, teen driver, good student, distant student, and early shopping.
  • Geico has savings for driver training, multi-policy, seat belt use, good student, military active duty, anti-lock brakes, and emergency military deployment.
  • American Family may offer discounts for early bird, accident-free, defensive driver, multi-vehicle, Steer into Savings, good student, and air bags.
  • Nationwide includes discounts for business or organization, accident-free, defensive driving, easy pay, good student, and Farm Bureau membership.
  • Progressive discounts include homeowner, online signing, online quote discount, multi-vehicle, multi-policy, good student, and continuous coverage.

If you need lower rates, check with each insurance company which discounts can lower your rates. Depending on the company, some discounts might not be offered on policies in your area. To view insurers who offer online insurance quotes, click this link.

Car insurance savings promises

Car insurance providers like State Farm and Allstate seem to constantly run ads in print and on television. They all seem to advertise claims that drivers will save a bundle if you switch your car insurance policy to them. It sounds good, but how can they all make almost identical claims? You have to listen carefully.

Many companies are able to cherry pick for the type of driver that will most likely be profitable. For instance, a profitable risk profile should be between the ages of 30 and 45, has a clear driving record, and has excellent credit. Any customer who matches those parameters will probably get the lowest prices and will save a lot if they switch.

Consumers who don’t qualify for the ideal profile will probably be forced to pay higher prices and business not being written. The trick is to say “drivers who switch” not “everyone who quotes” save that much. This is how companies can make claims like that.

Because of this risk profiling, you absolutely need to compare many company’s prices. It’s impossible to know which car insurance company will give you lower premium rates than your current company.

How to know if you need help

When it comes to buying coverage for your vehicles, there really is no cookie cutter policy. Each situation is unique.

These are some specific questions could help you determine if your situation could use an agent’s help.

  • Can my teen drive my company car?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Why do I only qualify for high-risk insurance?
  • How do I insure my teen driver?
  • What is PIP insurance?
  • Is my custom paint covered by insurance?
  • What is the ISO rating for a 2017 Ford Focus ST?
  • Why is insurance for a teen driver so high?
  • How much liability do I need to cover my assets?

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 want to speak to an agent in your area, take a second and complete this form.

Insurance coverage basics

Learning about specific coverages of insurance can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Uninsured or underinsured coverage – This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and damage to your Ford Focus ST.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Normally these coverages are similar to your liability insurance amounts.

Medical expense coverage – Med pay and PIP coverage kick in for expenses such as dental work, doctor visits, ambulance fees, funeral costs and nursing services. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Liability insurance – This coverage can cover damages or injuries you inflict on other’s property or people by causing an accident. This insurance protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things like repair costs for stationary objects, repair bills for other people’s vehicles, structural damage, medical services and funeral expenses. How much liability coverage do you need? That is a personal decision, but buy higher limits if possible.

Collision coverages – Collision coverage covers damage to your Focus ST resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as crashing into a building, scraping a guard rail, crashing into a ditch, hitting a parking meter and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Comprehensive protection – 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 the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as rock chips in glass, damage from flooding and hail damage. The maximum payout a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Smart shoppers get results

While you’re price shopping online, it’s very important that you do not buy poor coverage just to save money. There have been many cases where an insured cut full coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy a smart amount of coverage at the best possible price while still protecting your assets.

You just learned many tips how you can reduce 2017 Ford Focus ST insurance car insurance rates online. It’s most important to understand that the more rate comparisons you have, the better likelihood of getting inexpensive insurance. Drivers may discover the lowest priced auto insurance comes from a company that doesn’t do a lot of advertising.

Budget-conscious 2017 Ford Focus ST insurance can be sourced on the web and from local agencies, so you should be comparing quotes from both so you have a total pricing picture. Some companies do not offer rate quotes online and these small, regional companies prefer to sell through local independent agencies.

Additional information