Cheaper 2013 Ford Fiesta Car Insurance Quotes

No one likes paying for insurance, especially when their premiums are too high. Having so many choices of insurance companies, it’s nearly impossible to find the most cost effective car insurance company.

It’s smart to compare prices quite often because prices are variable and change quite frequently. Just because you found the lowest price on Fiesta coverage a few years ago a different company probably has better rates today. There is too much inaccurate information about insurance online, so with this article, you’re going to get some of the best ways to buy insurance cheaper.

Finding affordable coverage is easy if you know what you’re doing. If you have a current insurance coverage policy or need a new policy, you will benefit by learning to reduce the price you pay and still get good coverage. Vehicle owners just need to learn how to buy insurance coverage online.

Compare Car Insurance Costs

Finding cheaper 2013 Ford Fiesta car insurance prices is not a difficult process. You just need to spend a few minutes to compare quotes online with multiple companies. This can be accomplished in just a few minutes using one of these methods.

The first (and easiest) way to compare a lot of rates at once is to use a rate comparison form click here to open form in new window. This method saves time by eliminating separate quotes to each individual car insurance company. A single, simple form gets rate comparisons from several companies.

Another way to compare rate quotes is going to each individual company website and request a quote. For sake of this example, let’s say you want comparison quotes from Nationwide, State Farm and Progressive. To find out each rate you need to visit each site to enter your coverage information, and that’s why the first method is more popular.

For a list of links to companies insuring cars in your area, click here.

It’s your choice how you get your quotes, but ensure you’re using identical deductibles and coverage limits with every price quote. If each company quotes different deductibles then you won’t be able to make a fair comparison for your Ford Fiesta.

Don’t overlook these discounts

Companies that sell car insurance don’t necessarily list all available discounts very clearly, so we break down both the well known and also the lesser-known insurance savings. If you’re not getting every credit possible, you are paying more than you should be.

  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can reduce accidents and earn discounts up to 10%.
  • More Vehicles More Savings – Insuring multiple cars or trucks with the same company could earn a price break for each car.
  • New Vehicle Savings – Putting insurance coverage on a new car can save up to 30% since new cars are generally safer.
  • Sign Online – A few companies will give a small break just for signing your application digitally online.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in school.
  • Memberships – Affiliation with a qualifying organization could qualify you for a break when shopping for insurance on Fiesta coverage.
  • Discount for Swiching Early – Some insurance companies reward drivers for buying a policy prior to your current policy expiring. The savings is around 10%.
  • Auto/Life Discount – Larger companies have lower rates if you buy auto and life insurance together.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire policy premium. The majority will only reduce specific coverage prices like liability, collision or medical payments. So even though it sounds like it’s possible to get free car insurance, companies don’t profit that way.

For a list of providers with discount insurance rates, click here.

Complexity of Ford Fiesta insurance rates

Smart consumers have a good feel for the different types of things that come into play when calculating the price you pay for insurance. Knowing what influences your rates allows you to make educated decisions that could result in much lower annual insurance costs.

  • The more you drive the more you pay – Driving more miles every year the higher your rate. Most companies charge to insure your cars determined by how the vehicle is used. Cars and trucks left parked in the garage get more affordable rates than vehicles that are driven to work every day. Make sure your insurance coverage is rated on the proper vehicle usage. If your policy improperly rates your Fiesta may be costing you.
  • Do you qualify for a multi-policy discount? – Most companies will award you with lower prices to insureds who carry more than one policy in the form of a multi-policy discount. Even though this discount sounds good, you may still want to shop around to make sure you are getting the best deal.
  • Rates may be higher depending on your occupation – Did you know your job can affect your rates? Occupations such as doctors, business owners and financial analysts are shown to have higher average rates due to high stress levels and long work hours. Conversely, occupations such as farmers, engineers and performers pay the least on Fiesta coverage.
  • Your location affects your rates – Residing in small towns and rural areas is a positive aspect when buying insurance. Fewer people means reduced accidents as well as less vandalism and auto theft. City drivers tend to have more traffic problems and longer commute times. Longer commute distances translates into higher accident risk.
  • Women pay lower rates – The statistics show that women are safer drivers than men. Now that doesn’t mean men are worse drivers. Women and men cause accidents at about the same rate, but men tend to have more serious accidents. Men also have more aggressive citations such as DWI and reckless driving.
  • Choose a safe vehicle and save – Vehicles with good safety scores get lower rates. The safest vehicles result in less severe injuries and fewer injuries translates into savings for insurance companies and more competitive rates for policyholders. If your Ford Fiesta has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
  • Equipment add-ons that lower insurance rates – Purchasing a vehicle with anti-theft technology or alarm system can get you a discount on your insurance. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping car theft.
  • No coverage gaps is important – Driving without insurance is against the law and your next policy will cost more because you let your insurance expire. Not only will rates go up, failure to provide proof of insurance might get you a revoked license or a big fine.You may have to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.

Is my situation unique?

When it comes to buying adequate coverage for your vehicles, there isn’t really a “perfect” insurance plan. Every insured’s situation is different so this has to be addressed. These are some specific questions may help you determine whether your personal situation could use an agent’s help.

  • Is my 2013 Ford Fiesta covered for smoke damage?
  • Can I afford to pay high deductible claims out of pocket?
  • Do I need roadside assistance coverage?
  • Can I afford to buy a different vehicle if my 2013 Ford Fiesta is totaled?
  • Should I have a commercial auto policy?
  • What are the financial responsibility laws in my state?
  • Is my ex-spouse still covered by my policy?
  • Is my dog or cat covered if injured in an accident?
  • How much can I save by bundling my policies?
  • Are my tools covered if they get stolen from my vehicle?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of auto insurance companies in your area. It’s fast, free and may give you better protection.

Insurance policy coverages for a 2013 Ford Fiesta

Having a good grasp of a insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Listed below are typical coverage types available from insurance companies.

Comprehensive auto coverage – This will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like damage from a tornado or hurricane, vandalism, a tree branch falling on your vehicle and hitting a bird. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability – This coverage will cover damages or injuries you inflict on other’s property or people. It protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/25 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability insurance covers things such as pain and suffering, bail bonds, repair costs for stationary objects and medical services. The amount of liability coverage you purchase is your choice, but consider buying as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Ford Fiesta.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision coverage – Collision insurance pays for damage to your Fiesta resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like scraping a guard rail, colliding with another moving vehicle, crashing into a ditch, damaging your car on a curb and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Medical payments and PIP coverage – Med pay and PIP coverage pay for bills for things like chiropractic care, pain medications and hospital visits. They are utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

In any little way, save everyday

Discount 2013 Ford Fiesta insurance is definitely available on the web as well as from independent agents, and you need to comparison shop both to get a complete price analysis. Some insurance companies don’t offer online quoting and many times these smaller companies only sell through independent insurance agents.

As you go through the steps to switch your coverage, it’s very important that you do not buy lower coverage limits just to save a few bucks. Too many times, someone sacrificed physical damage coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to find the BEST coverage at an affordable rate while not skimping on critical coverages.

In this article, we presented a lot of techniques to get a better price on insurance. The key thing to remember is the more providers you compare, the better your comparison will be. Consumers may even find the biggest savings come from some of the lesser-known companies. Regional companies may often insure only within specific states and give getter rates as compared to the big name companies such as Progressive or Geico.

For more information, take a look at the following helpful articles: