View 2014 Ford Fiesta Insurance Quotes

Want the cheapest insurance rates for your Ford Fiesta? Are you drained from trying to scrape together enough money each month for insurance? You are no different than the majority of other people. There are many insurance companies to buy insurance from, and although it’s nice to be able to choose, more options can take longer to compare rates and cut insurance costs.

It is always a good idea to compare rates once or twice a year since insurance prices trend upward over time. If you had the lowest price for Fiesta insurance on your last policy you may be paying too much now. Block out anything you think you know about insurance because we’re going to show you the best way to save on insurance.

Earn discounts to get lower-cost auto insurance quotes

Some insurers do not list all their discounts in an easy-to-find place, so the following list contains some of the more common and also the lesser-known savings tricks you should be using when you buy insurance coverage online.

  • Student Discounts – Performing well in school could provide a savings of up to 20% or more. The good student discount can last up until you turn 25.
  • Low Miles Discount – Low annual miles could be rewarded with better premium rates on cars that stay parked.
  • Senior Citizen Rates – If you qualify as a senior citizen, you can possibly qualify for better auto insurance rates for Fiesta insurance.
  • Anti-lock Brake System – Cars and trucks that have anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
  • Driver Education Discount – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education if offered at their school.
  • Distant Student Discount – Children who attend college more than 100 miles from home and leave their car at home may be insured at a cheaper rate.
  • Defensive Driver – Passing a defensive driver course can save you 5% or more if you qualify.

Keep in mind that some of the credits will not apply to the entire policy premium. The majority will only reduce specific coverage prices like comp or med pay. So when the math indicates you would end up receiving a 100% discount, that’s just not realistic. Any qualifying discounts will definitely lower the amount you have to pay.

Large auto insurance companies and a summarized list of policyholder discounts are included below.

  • State Farm has discounts for defensive driving training, good driver, driver’s education, accident-free, multiple autos, and good student.
  • Progressive includes discounts for online signing, multi-policy, homeowner, online quote discount, good student, multi-vehicle, and continuous coverage.
  • Travelers has savings for payment discounts, hybrid/electric vehicle, early quote, continuous insurance, and student away at school.
  • American Family offers discounts for mySafetyValet, Steer into Savings, TimeAway discount, early bird, air bags, and good driver.
  • Liberty Mutual offers premium reductions for exclusive group savings, new move discount, preferred payment discount, newly married, new graduate, and hybrid vehicle.

Before buying, ask every insurance company which discounts you may be entitled to. Some discounts listed above may not be available in your state. To see insurance companies with discount rates, click here to view.

Ford Fiesta insurance prices can be lower

Many factors are used in the calculation when you quote your car insurance policy. Some are pretty understandable like an MVR report, but some are less apparent such as your marital status or how safe your car is.

The factors shown below are a few of the things used by insurance companies to determine your rates.

  • Incidental coverages are wasting money – Insurance policies have a lot of extra bells and whistles that sound like a good idea at the time on your 2014 Fiesta policy. Insurance for replacement cost coverage, accident forgiveness, and extra equipment coverage are examples of these. They may seem good at first, but if you’ve never needed them in the past remove them from your policy.
  • Which gender costs less? – Over time, data shows that females take fewer risks when driving. The data does not necessarily mean that men are worse drivers. Both sexes are in auto accidents at a similar rate, but men tend to have higher claims. Not only are claims higher, but men get higher numbers of serious violations like DUI and reckless driving.
  • Vehicles with better crash test results lower prices – Cars with five star safety ratings can get you lower premiums. Highly rated vehicles reduce injuries and reduced instances of injuries translates directly to fewer claims and thus lower rates.
  • Rates impacted by your city – Being located in less populated areas can save you money when buying insurance. Fewer drivers means reduced accidents in addition to fewer liability claims. Urban drivers tend to have more auto accidents and much longer commute distances. Longer commute distances statistically corresponds to a higher accident and claim rate.
  • With age comes lower premiums – Young drivers are statistically proven to be inattentive with other occupants in the car so they pay higher insurance rates. If you’ve ever had to add a youthful driver onto your insurance can break the bank. Older insureds are proven to be safer behind the wheel, cause fewer claims and accidents , and usually have better credit.
  • Policy claims cost money – Insurance companies generally give better rates to drivers who do not rely on their insurance for small claims. If you are the type of insured that files lots of claims you can pretty much guarantee increased rates or even have your policy non-renewed. Your car insurance is designed for claims that pose a financial burden.
  • Premiums may be lower depending on your vocation – Did you know that where you work can have an impact on rates? Careers like lawyers, social workers and medical professionals have higher average rates in part from job stress and incredibly demanding work hours. Other careers such as scientists, athletes and performers have lower than average premiums for Fiesta insurance.
  • Married drivers get better costs – Getting married may earn you lower rates when shopping for insurance. Having a spouse is viewed as being more financially stable and statistics show drivers who are married are more cautious.

Tailor your auto insurance coverage to you

When it comes to choosing proper insurance coverage for your vehicles, there is no single plan that fits everyone. Every insured’s situation is different and your policy should reflect that. These are some specific questions may help highlight if your insurance needs would benefit from an agent’s advice.

  • Does my 2014 Ford Fiesta qualify for pleasure use?
  • When do I need to add a new car to my policy?
  • If my 2014 Ford Fiesta is totaled, can I afford another vehicle?
  • Am I covered if I crash into my own garage door?
  • Should I carry comprehensive and collision coverage?
  • What is an SR-22 filing?
  • Should I waive the damage coverage when renting a car?
  • What is medical payments coverage?
  • Am I covered when pulling a rental trailer?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Coverage specifics

Understanding the coverages of a insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverages found on the average insurance policy.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your 2014 Ford Fiesta.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Collision coverage – Collision insurance pays to fix your vehicle from damage from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as sustaining damage from a pot hole, colliding with another moving vehicle, hitting a mailbox and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Insurance for medical payments – Coverage for medical payments and/or PIP pay for immediate expenses for things like nursing services, chiropractic care, pain medications, doctor visits and funeral costs. They are used in conjunction with a health insurance program or if you do not have health coverage. It covers you and your occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage covers 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 can pay for things such as hail damage, damage from flooding, damage from getting keyed and rock chips in glass. The maximum amount your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability auto insurance – This provides protection from damage or injury you incur to people or other property in an accident. This coverage protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for claims such as medical services, emergency aid, court costs, funeral expenses and bail bonds. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.

Quote often and quote early

Some insurance providers may not offer rates over the internet and most of the time these smaller companies work with local independent agents. Affordable 2014 Ford Fiesta insurance can be sourced both online in addition to local insurance agencies, so you should compare both so you have a total pricing picture.

You just learned a lot of ways to reduce 2014 Ford Fiesta insurance car insurance rates online. The key thing to remember is the more you quote insurance coverage, the higher the chance of saving money. Consumers may even find the best price on insurance coverage is with some of the smallest insurance companies. These smaller insurers may only write in your state and offer lower premium rates than the large multi-state companies such as State Farm, GEICO and Nationwide.

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