Compare 2015 Ford Fiesta Insurance Rates

Overpriced Ford Fiesta insurance can take a big chunk out of your savings account, especially in this economy. Comparing price quotes is a smart way to make sure you’re not throwing money away.

You have multiple insurance companies to buy insurance from, and although it’s a good thing to be able to choose, it can be more difficult to adequately compare rates.

Pricing affordable protection is simple if you know the tricks. In a nutshell, anyone who carries insurance coverage should be able to lower their premiums. Although car owners do need to learn how big insurance companies price online insurance and use this information to your advantage.

Factors that can influence Ford Fiesta insurance rates

Smart consumers have a good feel for the different types of things that play a part in calculating the rates you pay for insurance. Understanding what impacts premium levels allows you to make educated decisions that can help you get lower insurance prices.

  • Pay less if you’re married – Being married helps lower the price on your policy. Having a significant other translates into being more responsible and it’s statistically proven that married couples file fewer claims.
  • Too many insurance claims drive up costs – Insurance companies award better rates to people who do not file claims often. If you frequently file small claims, you can expect either higher rates or even cancellation. Your insurance policy is designed for larger claims.
  • Older drivers pay less – Mature drivers are more responsible, statistically cause fewer accidents and tend to be better behind the wheel. Youthful drivers have a tendency to be careless and easily distracted in a vehicle and because of this, their insurance rates are much higher.
  • Liability coverage protects you – Your policy’s liability coverage is the protection when you are found liable for personal injury or accident damage. Liability insurance provides you with a defense in court which can be incredibly expensive. Liability insurance is quite affordable as compared to coverage for physical damage, so do not skimp.
  • High crash test scores lower rates – Vehicles with high crash test scores are cheaper to insure. The safest vehicles result in less severe injuries and any reduction in injury severity translates into fewer and smaller insurance claims and lower rates for you. If your Ford earned at least four stars on it is probably cheaper to insure.

Free Quotes for Insurance

Most companies quote prices for coverage on the web. This process is quite easy as you just enter the amount of coverage you want into a form. After the form is submitted, the company’s rating system requests your credit score and driving record and gives you a price quote based on these factors. Being able to quote online simplifies rate comparisons, but having to visit many different websites and fill out multiple forms can be a bit repetitive. Unfortunately, it is important to have as many quotes as possible if you want to find better insurance pricing.

Quote rates the easy way

The quickest way to locate the lowest prices utilizes a single form to get prices from multiple companies. The form is fast, reduces the work, and makes rate comparisons much easier. Once the form is submitted, it gets priced with multiple companies and you can pick any one of the resulting price quotes.

If one or more price quotes are lower than your current rates, you can simply submit the application and purchase coverage. The entire process just takes a couple of minutes and can result in significant savings.

To use this form to compare rates, simply click here to open in new window and enter your information. If you have coverage now, it’s recommended you replicate the limits and deductibles identical to your current policy. Doing this assures you will have a rate comparison for similar coverage.

Car insurance ads bend the truth

Car insurance providers like Progressive, Allstate and GEICO regularly use ads on television and other media. They all say the same thing that you’ll save big if you move to their company. How does each company make almost identical claims? This is how they do it.

Insurance companies have a preferred profile for the type of customer that is profitable for them. For instance, a driver they prefer might be profiled as over the age of 50, has no tickets, and drives less than 7,500 miles a year. Any new insured who meets those qualifications will qualify for the lowest rates and therefore will save when they switch companies.

Consumers who don’t measure up to the “perfect” profile will be charged higher prices and ends up with the customer not buying. The ads state “people who switch” not “people who quote” save money. That is how companies can truthfully make the claims of big savings.

That is why it is so important to compare as many rates as you can. It’s just too difficult to predict which company will fit your personal profile best.

Save money by taking advantage of these discounts

Car insurance is not cheap, but there are discounts available that can drop the cost substantially. Most are applied when you complete an application, but lesser-known reductions have to be requested specifically prior to getting the savings.

  • Payment Discounts – By paying your policy upfront instead of making monthly payments you may reduce your total bill.
  • Federal Government Employee – Simply working for the federal government could cut as much as 10% off on Fiesta insurance with a few insurance coverage companies.
  • E-sign – A few companies may give you up to $50 simply for signing digitally online.
  • Distant Student – Youth drivers living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
  • Clubs and Organizations – Being a member of a professional or civic organization could qualify you for a break on insurance coverage on Fiesta insurance.
  • Accident Forgiveness – Some insurance companies permit an accident before hitting you with a surcharge so long as you haven’t had any claims for a particular time prior to the accident.
  • Anti-theft System – Vehicles with anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Drive Safe and Save – Safe drivers can get discounts for up to 45% lower rates on Fiesta insurance than their less cautious counterparts.
  • Low Mileage Discounts – Keeping the miles down on your Ford can qualify you for lower rates on the low mileage vehicles.
  • Service Members Pay Less – Having a deployed family member can result in better rates.

Consumers should know that some credits don’t apply to your bottom line cost. Some only reduce individual premiums such as physical damage coverage or medical payments. Just because it seems like all those discounts means the company will pay you, you won’t be that lucky. Any qualifying discounts will reduce your overall premium however.

To see a list of providers offering insurance coverage discounts, click this link.

When should I use an insurance agent?

When buying the best insurance coverage, there really is not a cookie cutter policy. Every situation is different and your policy should reflect that. For instance, these questions may help you determine if your situation may require specific advice.

  • Am I covered if I wreck a rental car?
  • Should I get collision insurance on every vehicle?
  • Do I need replacement cost coverage?
  • Am I missing any policy discounts?
  • Can I still get insurance after a DUI?
  • Is a new car covered when I drive it off the dealer lot?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an agent. If you don’t have a local agent, complete this form or click here for a list of insurance companies in your area.

What auto insurance coverages do you need?

Learning about specific coverages of auto insurance can help you determine the best coverages and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement. Below you’ll find the usual coverages offered by auto insurance companies.

Comprehensive coverage – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as a broken windshield, hail damage and damage from flooding. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Coverage for liability – Liability coverage will cover damage that occurs to other people or property. It protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy 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 a limit of $100,000 paid for damaged property. Some companies may use one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability insurance covers things like structural damage, funeral expenses and bail bonds. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Collision – Collision insurance will pay to fix damage to your Fiesta caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things such as crashing into a ditch, scraping a guard rail, colliding with a tree, rolling your car and driving through your garage door. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage – This coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Ford Fiesta.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Normally these coverages are similar to your liability insurance amounts.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance reimburse you for bills such as hospital visits, prosthetic devices, chiropractic care, dental work and doctor visits. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Feed the piggy bank

We just covered a lot of ways to get a better price on 2015 Ford Fiesta insurance. It’s most important to understand that the more rate quotes you have, the better likelihood of reducing your rate. Consumers could even find that the best price on insurance coverage is with an unexpected company. These companies may cover specific market segments cheaper than their larger competitors like State Farm and Allstate.

Budget-conscious insurance can be purchased online and with local insurance agents, so compare prices from both to have the best chance of lowering rates. Some companies do not offer you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

More information can be read at the links below