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Ford Focus ST Insurance Quotes

Buying car insurance through online companies is easy and there is a good chance you will probably save money. The key is getting rates from all providers so you can compare every possible rate.

People who are new to shopping for insurance may think shopping for affordable Focus ST insurance is difficult. To find the best car insurance prices, there are several ways to compare quotes from car insurance companies in your area. The best way to find the lowest Focus ST insurance cost is to get quotes online. This can be accomplished by visiting this page.

Insurance rates paid to insure a Ford Focus ST can be significantly different based upon several criteria. Some of these factors include:

  • Your driving record
  • Better credit means lower rates
  • Where you live
  • Annual mileage can affect rates
  • Your gender can raise or lower rates
  • Higher deductibles save money
  • Safety rating of your Focus ST
  • Your profession
  • The amount of protection requested
  • Whether you own your home

One last important factor that helps determine the rate you pay on your Ford is the year of manufacture. Older models cost less so the costs to repair will push premiums down. But newer models may have options including a rollover prevention system, a backup camera, a telematics system, and adaptive cruise control that may help provide discounts that lower premiums.

To get more specific information about how rates are influenced for your specific model year, select the year of your vehicle below.

Coverage for liability

Liability insurance protects you from damage that occurs to a person or their property in an accident. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so purchase as large an amount as possible.

Collision coverage protection

Collision insurance pays for damage to your Ford from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

This will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The highest amount you'll receive from a claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection when the "other guys" do not carry enough liability coverage. Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Insurance for medical payments

Med pay and PIP coverage provide coverage for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. PIP is not available in all states but can be used in place of medical payments coverage.

How Much are Ford Focus ST Insurance Rates?