Sick and tired of trying to scrape together enough money to keep your car insured? You are no different than most other vehicle owners. Due to the large number of online and local companies to choose from, it’s nearly impossible to find a more affordable insurer.
There are a lot of ways to compare car insurance prices but some are more efficient than others. You can waste hours talking to agents in your area, or you can stay home and use the internet to get prices fast.
Many insurance companies belong to a marketplace where insurance shoppers enter their coverage request one time, and every company returns a competitive quote based on the submitted data. This eliminates the need for form submissions to each company.
To fill out one form to compare multiple rates now click here to start a free quote.
The single downside to getting quotes like this is you don’t know exactly which insurance companies to receive prices from. If you wish to select individual companies to compare rates, we have a listing of car insurance companies in your area. Click here to view list.
You can use whichever method you prefer to find lower rates, just make sure you use the same coverage data for each quote you get. If the quotes have higher or lower deductibles it will be very difficult to get a fair rate comparison.
Some insurers don’t always advertise every possible discount in an easy-to-find place, so the list below gives a summary of a few of the more common as well as the least known ways to save on auto insurance. If you’re not getting every credit you deserve, it’s possible you qualify for a lower rate.
Consumers should know that most credits do not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think all those discounts means the company will pay you, it just doesn’t work that way.
Companies and their offered discounts include:
If you are trying to find inexpensive auto insurance quotes, ask all companies you are considering which discounts they offer. All car insurance discounts may not apply to policyholders in your area. If you would like to choose from a list of auto insurance companies who offer online auto insurance quotes, click this link.
When it comes to buying coverage for your vehicles, there really is no cookie cutter policy. Everyone’s situation is unique and a cookie cutter policy won’t apply. These are some specific questions might point out whether or not you may require specific advice.
If you can’t answer these questions, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It is quick, free and may give you better protection.
Part of the insurance buying process is learning some of the factors that come into play when calculating your premiums. If you have some idea of what controls the rates you pay, this helps enable you to make changes that can earn you cheaper rates. Multiple criteria are taken into consideration when quoting car insurance. Some are pretty understandable such as your driving record, but others are not as apparent such as your marital status or your financial responsibility.
The following are some of the most rate-impacting factors that factor into prices.
Consumers constantly see and hear ads that claim the cheapest premium rates by companies like 21st Century, Allstate and State Farm. They all seem to state the claim that drivers can save some big amount if you move your coverage.
How is it possible that every company can sell you cheaper insurance coverage? It’s all in the numbers.
All the different companies offer their best rates for the type of driver that will add to their bottom line. An example of this type of driver might be over the age of 50, has no prior claims, and drives a safe vehicle. Anybody that hits that “sweet spot” will get the preferred prices and will also save some money.
Potential customers who do not meet those criteria will see higher rates which results in business going elsewhere. The trick companies use is to say “drivers who switch” but not “all drivers who get quotes” save that much money. That’s the way companies can make those statements.
This emphasizes why you need to compare free auto insurance quotes often. It is impossible to predict which insurance companies will provide you with the cheapest prices.
Knowing the specifics of a auto insurance policy can be of help when determining which coverages you need for your vehicles. Policy terminology can be confusing and coverage can change by endorsement. Below you’ll find the usual coverages available from auto insurance companies.
Comprehensive coverage – This coverage pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive can pay for claims like hail damage, hitting a deer and hitting a bird. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they 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 have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.
Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for doctor visits, X-ray expenses, EMT expenses and prosthetic devices. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible
Liability – Liability coverage provides protection from damages or injuries you inflict on other’s property or people by causing an accident. This coverage protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.
Liability can pay for things such as medical expenses, pain and suffering, legal defense fees, repair costs for stationary objects and loss of income. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.
Collision – Collision coverage covers damage to your Focus ST from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.
Collision insurance covers things such as scraping a guard rail, sustaining damage from a pot hole, hitting a mailbox, crashing into a building and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.
As you go through the steps to switch your coverage, do not buy less coverage just to save a little money. In many cases, consumers will sacrifice liability coverage limits and found out when filing a claim they didn’t purchase enough coverage. Your goal is to buy a smart amount of coverage at the best price and still be able to protect your assets.
We just presented many ways to get a better price on 2014 Ford Focus ST insurance. It’s most important to understand that the more quotes you get, the better likelihood of getting the cheapest auto insurance. Drivers may discover the lowest priced auto insurance comes from a small mutual company. These smaller insurers often have lower rates on specific markets compared to the large companies like Allstate, GEICO and Progressive.