Ford Fiesta Insurance – 7 Tricks to Lower Rates

Buyers have many options when searching for the best price on Ford Fiesta insurance. You can either spend your time driving around trying to get quotes or utilize the internet to compare rates.

There are more efficient ways to buy car insurance so we’re going to tell you the absolute fastest way to compare rates on a Ford and obtain the lowest possible price from both online companies and local agents.

This article will tell you the best way to quote coverages and some money-saving tips. If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using these methods. Vehicle owners only need to know how to get comparison rates on the web.

Save big with these seven discounts

Properly insuring your vehicles can get expensive, but you can get discounts to reduce the price significantly. Some trigger automatically when you quote, but a few need to be requested specifically before being credited. If they aren’t giving you every credit available, you’re just leaving money on the table.

  • Defensive Driving Course – Taking part in a driver safety course can save you 5% or more if you qualify.
  • Air Bag Discount – Factory air bags or automatic seat belts can qualify for discounts of more than 20%.
  • Student in College – Children living away from home attending college and do not have a car can receive lower rates.
  • Accident Forgiveness – Some insurance companies will forgive one accident without raising rates as long as you don’t have any claims prior to the accident.
  • No Claims – Drivers who don’t have accidents can save substantially compared to bad drivers.
  • Paperwork-free – A handful of insurance companies may give you up to $50 just for signing your application digitally online.
  • Multiple Policy Discount – If you have multiple policies with one company you will save approximately 10% to 15%.

It’s important to understand that most credits do not apply to all coverage premiums. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like it’s possible to get free car insurance, it just doesn’t work that way. Any qualifying discounts will bring down your premiums.

To choose companies with discount car insurance rates, click this link.

Compare Car Insurance Today

There are multiple methods to shop for car insurance, but some are more efficient than others. You can waste a lot of time talking to insurance companies in your area, or you could use the internet to maximize your effort.

The majority of car insurance companies participate in an industry program that enables customers to complete one form, and at least one company provides a quote for coverage. This system prevents you from having to do quote requests to each individual car insurance company. To find out how much you’re overpaying now click here to open in new window.

The one disadvantage to using this type of form is you don’t know exactly the companies you want pricing from. If you prefer to choose from a list of companies to request quotes from, we have a page of the cheapest car insurance companies in your area. Click to view list.

It’s up to you which method you use, but be sure to compare identical coverage limits on every quote. If you are comparing different deductibles it will be impossible to decipher which rate is best. insurance banner

Learn about car insurance coverages for a Ford Fiesta

Having a good grasp of a car insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Comprehensive insurance – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things such as a broken windshield, fire damage, damage from flooding, hitting a deer and damage from getting keyed. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP kick in for bills for things like dental work, hospital visits, doctor visits and nursing services. They are used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverages – Collision coverage will pay to fix damage to your Fiesta resulting from a 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 can pay for claims like hitting a mailbox, rolling your car, colliding with another moving vehicle and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Liability – Liability coverage will cover damage or injury you incur to people or other property. It protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, 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 that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like bail bonds, medical services and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Ford Fiesta.

Since many 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 is a good idea. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

More effort can pay off

We covered some good ideas how you can lower your Ford Fiesta insurance rates. It’s most important to understand that the more companies you get rates for, the better chance you’ll have of finding lower rates. You may even find the lowest rates come from a lesser-known regional company.

People leave their current company for many reasons like delays in responding to claim requests, being labeled a high risk driver, not issuing a premium refund or even poor customer service. Regardless of your reason for switching companies, switching companies can be pretty painless.

As you shop your coverage around, don’t be tempted to skimp on critical coverages to save a buck or two. There are a lot of situations where an insured dropped liability limits or collision coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to buy a smart amount of coverage at the best price.