Save on 2016 Ford Focus ST Insurance Quotes

Are you regretting the purchase of an expensive insurance coverage policy? Don’t sweat it because there are lots of residents who feel the same.

Big-name insurance companies like State Farm, Allstate, GEICO and Progressive constantly bombard you with ad campaigns and it can be hard to avoid their marketing magic and effectively compare rates to find the best deal.

How to compare car insurance price quotes

To find inexpensive insurance coverage quotes, there are several ways of comparing rate quotes from companies that offer car insurance in your state. By far the easiest way to find competitive 2016 Ford Focus ST insurance rates consists of shopping online. It’s really quite simple and can be done in just a few minutes using one of these methods.

  1. Experts agree that the best way to find the lowest comparison rates is to use a rate comparison form click here to open form in new window. This easy form prevents you from having to do separate forms for each company. A single, simple form gets coverage cost estimates from multiple companies.
  2. Another way to obtain and compare quotes online is spending the time to visit the website of each company to request a price quote. For example, we’ll assume you need rates from Progressive, Esurance and Allstate. To get rate quotes you would need to visit each site to enter the same coverage data repeatedly, and that’s why the first method is more popular.

    For a list of companies in your area, click here.

How you compare quotes is your choice, just make absolute certain that you use exactly the same coverage data for each price quote. If you compare higher or lower deductibles then you won’t be able to decipher which rate is best. Even a minor difference in limits could skew the results. And when comparing car insurance rates, know that comparing more rates from different companies will increase your chances of finding lower pricing.

Take policy discounts and save

Insurance is expensive, but there’s a good chance there are discounts to help bring down the price. Certain reductions will be credited when you get a quote, but some need to be requested specifically before you will receive the discount. If you check and find you aren’t receiving every discount you deserve, you are just wasting money.

  • Student Discounts – A discount for being a good student can get you a discount of up to 25%. The discount lasts up until you turn 25.
  • Senior Citizen Rates – Older drivers could receive reduced rates for Focus ST insurance.
  • Fewer Miles Equal More Savings – Maintaining low annual mileage could be rewarded with lower premium rates on the low mileage vehicles.
  • Data Collection Discounts – Drivers that enable data collection to study driving habits by using a telematic data system like In-Drive from State Farm and Progressive’s Snapshot could see a rate decrease if they exhibit good driving behavior.
  • Life Insurance Discount – Select insurance companies reward you with a small discount if you purchase life insurance from them.
  • Early Signing – A few insurance companies offer discounts for buying a new policy before your current policy expires. You can save around 10% with this discount.
  • Driver’s Education for Students – Teen drivers should complete a driver education course as it will make them better drivers and lower rates.
  • Multi-Vehicle Discounts – Purchasing coverage when you have multiple cars with the same company can reduce rates for all insured vehicles.
  • Discount for Passive Restraints – Factory options such as air bags and/or automatic seat belt systems can get savings of up to 25% or more.
  • Paperless Signup – A few companies give back up to $50 for buying your policy on their website.

You can save money using discounts, but many deductions do not apply the the whole policy. A few only apply to individual premiums such as physical damage coverage or medical payments. So even though you would think adding up those discounts means a free policy, it just doesn’t work that way.

Popular insurance companies and some of the discounts are outlined below.

  • State Farm offers discounts including driver’s education, accident-free, good student, Steer Clear safe driver discount, and Drive Safe & Save.
  • Farmers Insurance offers discounts for early shopping, alternative fuel, distant student, good student, multi-car, and mature driver.
  • GEICO discounts include multi-vehicle, good student, multi-policy, defensive driver, and five-year accident-free.
  • American Family may have discounts that include early bird, good driver, good student, bundled insurance, mySafetyValet, and multi-vehicle.
  • Nationwide may offer discounts for multi-policy, family plan, business or organization, anti-theft, accident-free, good student, and Farm Bureau membership.
  • Progressive includes discounts for good student, continuous coverage, online quote discount, multi-vehicle, and online signing.

Before purchasing a policy, check with every insurance company to apply every possible discount. Some discounts may not be available in your area.

Insurance costs are influenced by these factors

Many factors are part of the calculation when pricing auto insurance. Some of the criteria are obvious like a motor vehicle report, but other factors are not as apparent like where you live or how safe your car is.

  • If you don’t need it don’t buy it – Insurance policies have a lot of extra add-on coverages that you can get tricked into buying on your Focus ST policy. Insurance for things like roadside assistance, better glass coverage, and extra life insurance coverage may not be needed and are just wasting money. These coverages may sound good when buying your policy, but if you don’t need them eliminate them to save money.
  • Do you know your deductibles? – The deductibles you choose define how much you are willing to pay out-of-pocket before a claim is paid by your company. Insurance for physical damage, also called ‘full coverage’, protects your car from damage. Examples of some claims that would be covered could be rearending another vehicle, vandalism, and damage from wind. The more damage repair cost you’re willing to pay, the less your company will charge you for insurance for Focus ST insurance.
  • Vehicle options can affect prices – Choosing to buy a car that has a built-in theft deterrent system can get you a discount on your insurance. Systems that thwart theives like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help stop auto theft.
  • Liability protection is cheap – Liability insurance is the protection in the event that you are found liable for damages caused by your negligence. Your policy’s liability insurance provides you with a defense in court which can be incredibly expensive. Liability is cheap when compared with rates for comp and collision, so buy as much as you can afford.

Which policy gives me the best coverage?

When it comes to buying the right insurance coverage, there really is no “perfect” insurance plan. Every insured’s situation is different so this has to be addressed. Here are some questions about coverages that might point out if you would benefit from professional advice.

  • What is high-risk coverage and where do I buy it?
  • Does coverage extend to Mexico or Canada?
  • Do I need medical payments coverage since I have good health insurance?
  • How do I buy GAP insurance?
  • Am I covered if I drive in a foreign country?
  • Is my camper covered by my car insurance policy?
  • Do I need added coverage for expensive stereo equipment?
  • If my 2016 Ford Focus ST is totaled, can I afford another vehicle?
  • Are split liability limits better than a combined single limit?

If you’re not sure about those questions, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Big names are not always cheapest

Respected companies like Progressive, Allstate and GEICO endlessly run ads on TV and radio. All the companies advertise the message about saving some big amount if you get a free insurance coverage quote and switch your policy. How does every insurance company give you a better price? It’s all in how they say it.

All companies have underwriting criteria for the type of customer that will add to their bottom line. One example of this type of insured may need to be between the ages of 30 and 45, has never had a policy lapse, and drives a car with an anti-theft system. Anyone that hits that “sweet spot” may get the lowest premium rates and therefore will save some money.

Insureds who do not match those criteria will probably have to pay a higher premium with the end result being the driver buying from a lower-cost company. The wording the ads use say “drivers that switch” not “everyone who quotes” will save that much if they switch. That’s why insurance companies can confidently advertise the savings. This really illustrates why you need to compare free insurance coverage quotes often. Because without a comparison, you cannot know which insurance company will have better rates than you’re paying now.

Specific coverage details

Knowing the specifics of your auto insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Auto insurance terms can be confusing and reading a policy is terribly boring. Shown next are typical coverages offered by auto insurance companies.

Liability auto insurance

This can cover damages or injuries you inflict on a person or their property in an accident. It protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against things like legal defense fees, bail bonds, medical expenses, pain and suffering and loss of income. How much coverage you buy is a personal decision, but consider buying as much as you can afford.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as scraping a guard rail, damaging your car on a curb, sideswiping another vehicle and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

This gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as damage to your Ford Focus ST.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things like hail damage, theft, damage from a tornado or hurricane, vandalism and rock chips in glass. The most your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for immediate expenses for X-ray expenses, EMT expenses, doctor visits and dental work. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Cheaper insurance is a realistic goal

In this article, we covered a lot of tips how to compare 2016 Ford Focus ST insurance premium rates online. The most important thing to understand is the more companies you get prices for, the higher your chance of finding cheaper insurance coverage. Drivers may discover the biggest savings come from the smaller companies. Smaller companies may have significantly lower prices on certain market segments than their larger competitors like Allstate or State Farm.

A few companies don’t offer the ability to get a quote online and usually these small insurance companies only sell through local independent agencies. Lower-priced 2016 Ford Focus ST insurance can be purchased on the web and also from your neighborhood agents, and you should compare rates from both to have the best chance of lowering rates.

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