Cheaper 2016 Ford Fiesta Car Insurance Cost

Looking for the cheapest insurance rates? Shoppers have lots of choices when shopping for low-cost Ford Fiesta insurance. You can either waste hours calling around to compare prices or save time using the internet to get rate quotes. There are more efficient ways to find insurance online and we’ll show you the proper way to price shop coverage for a Ford and locate the cheapest rates from both online companies and local agents.

If you have insurance now or are looking for a new policy, you can use this information to find the best rates and still get good coverage. This article will help you learn the most effective way to quote insurance. Drivers just need to learn how to get comparison rates online.

The easiest way to compare rate quotes is to understand most of the larger companies participate in a system to quote your coverage. To begin a comparison, all you need to do is provide information such as your credit rating estimate, the ages of drivers, the type of vehicles you drive, and your education level. That information is instantly submitted to multiple insurance coverage providers and they return quotes almost instantly.

Discounts are basically free money

Auto insurance companies don’t list all available discounts very clearly, so we took the time to find some of the more common and also the lesser-known insurance savings. If you’re not getting every credit you deserve, you’re paying more than you need to.

  • Accident Forgiveness – A handful of insurance companies will allow you to have one accident before hitting you with a surcharge if your claims history is clear prior to the accident.
  • Safe Driver Discount – Insureds without accidents can get discounts for up to 45% lower rates on Fiesta coverage than their less cautious counterparts.
  • Air Bag Discount – Factory air bags or automatic seat belts can get savings of up to 25% or more.
  • Safety Course Discount – Taking part in a course in driver safety could cut 5% off your bill depending on where you live.
  • Early Switch Discount – Some insurance companies reward drivers for switching policies before your current policy expires. It’s a savings of about 10%.
  • Braking Control Discount – Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.
  • Discount for New Cars – Putting insurance coverage on a new car can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Payment Method – If you pay your bill all at once instead of paying each month you may reduce your total bill.

Consumers should know that most discounts do not apply to your bottom line cost. A few only apply to individual premiums such as medical payments or collision. Even though it may seem like you would end up receiving a 100% discount, you won’t be that lucky.

Companies that possibly offer these money-saving discounts include:

Double check with each company what discounts are available to you. Discounts might not be offered everywhere.

Ford Fiesta insurance rates are influenced by…

It’s important that you understand the rating factors that help determine your auto insurance rates. Knowing what impacts premium levels allows you to make educated decisions that can help you get lower auto insurance prices.

The following are some of the factors companies use to determine your rates.

  • Liability coverage is cheap – The liability section of your policy is the protection if ever a jury decides you are liable for causing damage or personal injury in an accident. It provides you with a defense in court starting from day one. This coverage is very inexpensive compared to insuring for physical damage coverage, so drivers should carry high limits.
  • Proper usage rating affects rates – The more miles you rack up on your Ford each year the more you will pay for auto insurance. Almost all companies apply a rate based on how the vehicle is used. Cars left parked in the garage can get a lower rate compared to those used for work or business. Having the wrong rating on your Fiesta may be wasting your money. Make sure your auto insurance policy is rated on how each vehicle is driven, because it can save money.
  • Optional equipment can affect rates – Driving a car with an alarm system can help lower your rates. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder auto theft.
  • Being married is a good thing – Being married actually saves money when buying auto insurance. Marriage translates into being more mature and it’s proven that being married results in fewer claims.
  • Males pay more for insurance – Statistics show that men are more aggressive behind the wheel. That doesn’t necessarily mean that men are worse drivers. Both sexes are in accidents in similar numbers, but men cause more damage. Men also get more serious tickets like reckless driving and DUI. Teenage male drivers are several times more likely to be in an accident and are penalized with high auto insurance rates.
  • Where you live is a factor – Residing in a small town can be a good thing when insuring your vehicles. Fewer drivers means reduced accidents. City drivers regularly have much more traffic to deal with and a longer drive to work. Higher commute times can result in more accidents.
  • Older drivers pay less – More mature drivers are more responsible, tend to file fewer claims and tend to be better behind the wheel. Teenage drivers have a tendency to be careless and easily distracted when driving therefore auto insurance rates are much higher.

Which insurance is the “right” coverage?

When choosing proper insurance coverage, there really is not a single plan that fits everyone. Everyone’s situation is unique.

Here are some questions about coverages that could help you determine whether your personal situation would benefit from an agent’s advice.

  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Am I covered when driving someone else’s vehicle?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Can I drive in Mexico and have coverage?
  • Is other people’s property covered if stolen from my vehicle?
  • How high should my medical payments coverage be?
  • Am I covered if I wreck a rental car?

If you can’t answer these questions, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and can provide invaluable advice.

The insurance bait and switch

Drivers can’t get away from ads for cheaper car insurance by Allstate, GEICO and Progressive. They all make an identical promise that you’ll save big if you move to their company.

How does each company say the same thing?

Different companies can use profiling for the type of customer they prefer to insure. For example, a driver they prefer could be between the ages of 30 and 50, a clean driving record, and drives newer vehicles. A driver that hits that “sweet spot” is entitled to the best price and therefore will save when switching.

Potential insureds who do not match these standards will be charged higher premiums which leads to business going elsewhere. Company advertisements say “customers that switch” not “everybody who quotes” save money. That’s why companies can truthfully make those claims. That is why it’s extremely important to get as many quotes as possible. You cannot predict which company will give you the biggest savings on Ford Fiesta insurance.

Auto insurance specifics

Understanding the coverages of your auto insurance policy aids in choosing which coverages you need for your vehicles. Auto insurance terms can be confusing and reading a policy is terribly boring.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Ford Fiesta.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive insurance

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as fire damage, rock chips in glass, hail damage and damage from flooding. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability coverages

This protects you from damage that occurs to a person or their property by causing an accident. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things like funeral expenses, repair costs for stationary objects and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for expenses such as X-ray expenses, pain medications and hospital visits. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers you and your occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Collision insurance

Collision insurance covers damage to your Fiesta resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things like sustaining damage from a pot hole, driving through your garage door, backing into a parked car, scraping a guard rail and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also bump up the deductible to get cheaper collision coverage.

Save for a rainy day

In this article, we presented some good ideas how to shop for 2016 Ford Fiesta insurance online. The most important thing to understand is the more price quotes you have, the higher your chance of finding lower rates. Consumers could even find that the lowest rates come from some of the smallest insurance companies.

Cheap insurance is definitely available from both online companies in addition to many insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. A few companies do not provide the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

Drivers switch companies for any number of reasons including high prices, denial of a claim, being labeled a high risk driver or not issuing a premium refund. Regardless of your reason for switching companies, switching companies can be easier than you think.

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