2013 Ford Focus ST Insurance Cost – 7 Tricks for Best Prices

Feel like you’re a prisoner to an overpriced insurance policy? Trust us, there are a lot of people just like you who feel imprisoned by their insurance policy.

Consumers have many insurance companies to purchase coverage from, and although it’s nice to have multiple companies, too many choices makes it more difficult to compare rates and find the lowest cost insurance.

This article will let you in on how to get online quotes and some tricks to saving. If you have car insurance now, you will be able to cut costs considerably using these methods. But consumers can benefit from knowing the methods companies use to price online insurance and use this information to your advantage.

Compare Car Insurance Today

There are several ways to compare quotes and find the best price. The recommended way to compare 2013 Ford Focus ST insurance prices is simply to get online rate quotes. It is quite easy and can be accomplished in several different ways.

1. The fastest way to compare a lot of rates at once is an all-inclusive rate comparison like this one (opens in new window). This form prevents you from having to do multiple quote forms for each company. One form will get you rate comparisons from many national carriers.
2. A slightly less efficient method to get quotes online consists of visiting each company’s website and fill out their own quote form. For instance, we’ll pretend you want to compare USAA, 21st Century and GEICO. To get rate quotes you would need to visit each site and enter your information, which is why the first method is more popular. For a list of links to insurance companies in your area, click here.
3. The least recommended method to compare rates is to spend your day driving to insurance agents’ offices. The ability to buy insurance online can eliminate the need for a local agent unless you prefer the personal advice only provided by licensed agents. It is possible to compare the best prices online but still have the advice of a local agent.

Which method you use is up to you, but make darn sure you compare identical deductibles and coverage limits for each price quote. If the quotes have higher or lower deductibles it will be very difficult to truly determine the lowest rate. Slightly different coverages can result in a big premium difference. Just keep in mind that comparing a large number of companies will increase your chances of finding lower pricing.

When might I need help?

When it comes to buying adequate coverage for your vehicles, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s so your insurance needs to address that. These are some specific questions can aid in determining whether you would benefit from professional advice.

• Is my dog or cat covered if injured in an accident?
• How can I find cheaper teen driver insurance?
• Are split liability limits better than a combined single limit?
• Am I getting all the discounts available?
• Is my business laptop covered if it gets stolen from my vehicle?
• Am I covered by my spouse’s policy after a separation?
• Do I really need UM/UIM coverage?
• Are rock chip repairs covered?
• Am I covered if I wreck a rental car?
• Should I have a commercial auto policy?

If you don’t know the answers to these questions then you might want to talk to an agent. To find an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area.

Insurance policy specifics

Understanding the coverages of a insurance policy aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. These are the normal coverages offered by insurance companies.

Comprehensive insurance

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as theft, hail damage, a broken windshield and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like sideswiping another vehicle, crashing into a building and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for short-term medical expenses like nursing services, pain medications, hospital visits and X-ray expenses. They can be used in conjunction with a health insurance program or if you lack health insurance entirely. They cover you and your occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Ford Focus ST.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually these coverages do not exceed the liability coverage limits.

Auto liability insurance

This coverage protects you from injuries or damage you cause to other’s property or people in an accident. It protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Some companies may use 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 claims such as repair bills for other people’s vehicles, structural damage, court costs, loss of income and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as high a limit as you can afford.