How Much Does 2011 Ford Fiesta Insurance Cost?

Trying to find lower car insurance rates for your Ford Fiesta? Are you regretting buying an overpriced car insurance policy? It’s a common feeling and you are not the only one feeling buyer’s remorse. With people having so many insurance providers from which to choose, it can be hard to choose the lowest price insurer.

Compare insurance quotes

Getting a more affordable price on 2011 Ford Fiesta insurance is actually quite simple. The only requirement is to take a few minutes to compare rate quotes from different insurance companies. You can get a good selection of rate quotes using one of these methods.

  1. The best way to get quotes is a comparison rater form click here to open form in new window. This type of form keeps you from doing separate forms for each price estimate. Taking the time to complete one form compares rates from all major companies.
  2. A slightly less efficient method to get comparison quotes is going to the website for every company you want to comare and repeat the quote process. For examples sake, we’ll pretend you want to compare State Farm, 21st Century and American Family. You would need to visit each site and enter your information, which can be really labor intensive. For a list of companies in your area, click here.
  3. The final way to compare rates is making phone calls or going to different agent offices. Quoting online eliminates the need for an insurance agent unless you require the peace of mind of a local agency. You can, however, price shop your coverage online but buy from a local insurance agent.

Which method you use is up to you, but compare the exact same coverage limits and deductibles for each price quote. If your comparisons have higher or lower deductibles it’s not possible to decipher which rate is best.

Pay discount rates these money-saving discounts

Insurance can be prohibitively expensive, but you may be missing some discounts to help offset the cost. Certain reductions will be credited at the time you complete a quote, but once in a while a discount must be asked for prior to receiving the credit.

  • Fewer Miles Equal More Savings – Low mileage vehicles may allow you to get substantially lower premium rates.
  • Policy Bundle Discount – If you can combine your homeowners and auto policy and place coverage with the same company you may save at least 10% off all policies.
  • No Charge for an Accident – This isn’t a discount exactly, but certain companies will let one accident slide before hitting you with a surcharge so long as you haven’t had any claims before the accident.
  • ABS Brakes – Cars equipped with ABS or steering control are safer to drive so companies give up to a 10% discount.
  • Driver’s Education for Students – It’s a good idea to have your young drivers enroll in driver’s education in high school.
  • Memberships – Being a member of qualifying clubs or civic groups is a simple method to lower premiums on your bill.
  • Defensive Driver Discounts – Taking part in a class that teaches defensive driver techniques could possibly earn you a 5% discount and easily pay for the cost of the class.
  • Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn a lower premium rate if you buy a life policy as well.
  • No Accidents – Insureds who avoid accidents and claims pay much less as opposed to accident-prone drivers.
  • Drive Safe and Save – Insureds who avoid accidents can save up to 40% or more on their insurance quote for Fiesta insurance than their less cautious counterparts.

As a footnote on discounts, some credits don’t apply to the entire policy premium. The majority will only reduce individual premiums such as comp or med pay. Even though it may seem like you can get free auto insurance, companies wouldn’t make money that way.

The best car insurance companies and their possible discounts can be found below.

  • GEICO offers premium reductions for multi-vehicle, membership and employees, anti-lock brakes, defensive driver, and anti-theft.
  • MetLife may include discounts for accident-free, good driver, defensive driver, claim-free, multi-policy, and good student.
  • State Farm policyholders can earn discounts including Drive Safe & Save, passive restraint, multiple autos, good driver, defensive driving training, student away at school, and driver’s education.
  • Progressive may have discounts that include homeowner, good student, online signing, online quote discount, multi-vehicle, continuous coverage, and multi-policy.
  • Mercury Insurance has savings for professional/association, annual mileage, good driver, type of vehicle, low natural disaster claims, and location of vehicle.
  • 21st Century discounts include early bird, teen driver, air bags, homeowners, defensive driver, and theft prevention.
  • Allstate has discounts for resident student, defensive driver, senior citizen, anti-theft, safe driver, passive restraint, and premier plus.

Before buying, ask every company which discounts they offer. Savings may not apply in your area. To see car insurance companies who offer online car insurance quotes, follow this link.

Do I need special coverages?

When buying proper insurance coverage, there really is no cookie cutter policy. Everyone’s situation is a little different so your insurance needs to address that. For instance, these questions might help in determining if you would benefit from professional advice.

  • Where can I get insurance after a DUI in my state?
  • Is upholstery damage covered by car insurance?
  • Which companies will insure high-risk drivers?
  • Can I afford to pay high deductible claims out of pocket?
  • When would I need rental car insurance?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Am I covered by my spouse’s policy after a separation?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.

Car insurance 101

Understanding the coverages of your policy can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and reading a policy is terribly boring. Listed below are typical coverages found on most insurance policies.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for expenses like funeral costs, rehabilitation expenses and hospital visits. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to both the driver and occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Uninsured or underinsured coverage

This coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and also any damage incurred to your Ford Fiesta.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Frequently these coverages are set the same as your liablity limits.

Liability insurance

This coverage provides protection from damage or injury you incur to people or other property by causing an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Occasionally you may see a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as bail bonds, loss of income, funeral expenses, structural damage and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but you should buy as large an amount as possible.

Collision coverage

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as backing into a parked car, sideswiping another vehicle, scraping a guard rail, colliding with a tree and rolling your car. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also raise the deductible to bring the cost down.

Comprehensive protection

This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like a broken windshield, fire damage, a tree branch falling on your vehicle, falling objects and hail damage. The most you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Make an honest buck

In this article, we presented a lot of information how to lower your 2011 Ford Fiesta insurance auto insurance rates. It’s most important to understand that the more rate quotes you have, the better chance you’ll have of finding low cost insurance. Drivers may discover the lowest auto insurance rates are with a small local company. Smaller companies often have lower premium rates on specific markets than their larger competitors like State Farm or Progressive.

When trying to cut insurance costs, you should never buy poor coverage just to save money. There are a lot of situations where an insured cut physical damage coverage only to discover later that it was a big mistake. Your goal should be to purchase plenty of coverage at the lowest possible cost.

Cheap 2011 Ford Fiesta insurance can be sourced from both online companies and from local insurance agents, and you should be comparing both so you have a total pricing picture. There are still a few companies who may not provide the ability to get a quote online and many times these smaller providers provide coverage only through independent agents.

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