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