Cheaper 2015 Ford Focus ST Insurance Rates

Looking for cheaper auto insurance rates for your Ford Focus ST? No one looks forward to paying for auto insurance, especially knowing the price is too high. There are many insurance companies to pick from, and although it’s a good thing to have a choice, it can be more difficult to find the best rates for your vehicles.

The most recommended method to compare policy rates utilizes the fact almost all companies participate in online systems to give you rate quotes. All you need to do is provide the companies a bit of rating information including how many miles driven, level of coverage desired, if you have an active license, and whether you drive to work or school. The data is automatically sent to many highly-rated insurers and you will get price comparisons instantly.

To compare rates now, click here and complete the quick form.

Pay less by taking advantage of discounts

Insurance can cost an arm and a leg, but companies offer discounts to reduce the price significantly. Larger premium reductions will be automatically applied at quote time, but less common discounts must be inquired about before they will apply. If you aren’t receiving every discount possible, you are throwing money away.

  • Theft Prevention System – Anti-theft and alarm systems can help prevent theft and qualify for as much as a 10% discount.
  • Paperwork-free – Some insurance companies may give you up to $50 for buying a policy and signing up digitally online.
  • Life Insurance Discount – Select insurance companies reward you with lower rates if you buy life insurance from them.
  • Homeowners Savings – Owning a home may trigger a insurance coverage policy discount because of the fact that having a home demonstrates responsibility.
  • Accident Forgiveness – Certain companies permit an accident without raising rates if you are claim-free for a set time period.
  • No Claims – Drivers with accident-free driving histories pay less compared to frequent claim filers.

A little note about advertised discounts, most of the big mark downs will not be given the the whole policy. Most only reduce specific coverage prices like liability, collision or medical payments. So when it seems like you can get free auto insurance, it just doesn’t work that way. But any discount will bring down your premiums.

Car insurance companies that possibly offer these money-saving discounts are:

Check with each company which discounts you may be entitled to. Some discounts might not be offered in your state.

Your coverage should be tailored to you

When it comes to choosing coverage, there isn’t really a one size fits all plan. Every insured’s situation is different so your insurance needs to address that. Here are some questions about coverages that might help in determining if your situation might need an agent’s assistance.

  • Does insurance cover damages from a DUI accident?
  • How do I buy GAP insurance?
  • Will my rates increase for filing one claim?
  • Do I need rental car coverage?
  • Do I benefit by insuring my home with the same company?
  • Am I insured when driving a different vehicle?
  • Am I covered if I hit my neighbor’s mailbox?
  • Is my Ford Focus ST covered if I use it for business?
  • What is roadside assistance coverage?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance coverage information

Knowing the specifics of insurance can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverages found on the average insurance policy.

Comprehensive coverages

This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like hitting a bird, a tree branch falling on your vehicle, rock chips in glass, hail damage and falling objects. The maximum amount you’ll receive from a 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.

Coverage for medical payments

Med pay and PIP coverage reimburse you for short-term medical expenses for hospital visits, dental work, doctor visits, prosthetic devices and surgery. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Coverage for liability

This coverage can cover damage or injury you incur to other’s property or people in an accident. This coverage protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Occasionally you may see a combined limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like structural damage, loss of income, repair bills for other people’s vehicles, pain and suffering and court costs. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Auto collision coverage

Collision insurance pays for damage to your Focus ST resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as backing into a parked car, driving through your garage door, crashing into a building and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Uninsured and underinsured coverage

This gives you protection when other motorists are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Ford Focus ST.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Frequently these coverages are similar to your liability insurance amounts.