2015 Ford Focus ST Insurance Cost – 6 Savings Tips

Searching for lower insurance coverage rates for your Ford Focus ST? Locating low-cost insurance for your Ford Focus ST could be an all-consuming task, but you can use our insurance coverage buying tips to save time. There is a better way to shop for insurance coverage so you’re going to learn the best way to compare rates for your Ford and find the lowest possible price from local insurance agents and online providers.

You need to get comparison quotes before your next renewal since prices are rarely the same from one policy term to another. Even if you think you had the best deal for Focus ST coverage six months ago other companies may now be cheaper. Forget all the misinformation about insurance coverage because I’m going to let you in on the secrets to the easiest way to find the best coverage while lowering your premiums.

The quickest way to compare car insurance rates is to understand most of the bigger providers actually pay money for the chance to quote your coverage. To get started, all you need to do is provide a small amount of information such as how old drivers are, which vehicles you own, deductibles desired, and your education level. Your information is then submitted to multiple top-rated companies and you will receive price estimates instantly to find the best rate.

To find lower rates now, click here and enter your coverage details.

Situations that may require an agent’s advice

When it comes to buying coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s situation is unique.

These are some specific questions might point out whether or not you might need professional guidance.

  • Is rental equipment covered for theft or damage?
  • Am I covered if I hit a deer?
  • Is my cargo covered for damage or theft?
  • Is my ex-spouse still covered by my policy?
  • What happens if I owe more than my 2015 Ford Focus ST is worth?
  • Is my custom paint covered by insurance?
  • I have good health insurance, so how much medical payments coverage do I need?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form. It’s fast, free and can help protect your family.

Insurance coverages and their meanings

Understanding the coverages of your policy helps when choosing the best coverages for your vehicles. The terms used in a policy can be confusing and coverage can change by endorsement.

Coverage for liability

This can cover damage that occurs to other people or property that is your fault. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability can pay for things like legal defense fees, pain and suffering and funeral expenses. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive protection

This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things like vandalism, a broken windshield, rock chips in glass, damage from getting keyed and damage from flooding. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision protection

Collision insurance pays to fix your vehicle from damage caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like driving through your garage door, hitting a mailbox, backing into a parked car and colliding with a tree. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as 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.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for expenses such as surgery, chiropractic care, X-ray expenses and nursing services. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay