How Much Does 2017 Ford Focus ST Car Insurance Cost?

Cutting costs on insurance coverage might be frustrating for drivers who have little experience shopping for insurance online. There are so many choices that it can quickly become a real challenge to find the best coverage rates.

How to lower your auto insurance cost

Shopping for lower auto insurance rates can take time and effort if you don’t understand the easiest way. You can spend your afternoon talking to agents in your area, or you can utilize the internet to quickly compare rates.

Most major companies take part in a program that allows shoppers to submit one quote, and at least one company returns a rated price determined by their information. This eliminates the need for quote requests for every auto insurance company.

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One minor caviat to comparing rates this way is you cannot specify which carriers you will receive quotes from. So if you prefer to choose from a list of companies to compare, we have a listing of auto insurance companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but double check that you are using nearly identical coverage information for each price quote. If the quotes have differing limits it will be nearly impossible to decipher which rate is best. Even a minor difference in insurance coverages or limits may result in large price differences. And when quoting auto insurance, remember that getting more free quotes gives you a better chance of getting more affordable rates. Some smaller insurers to not give prices over the internet, so you should also compare price quotes from those companies as well.

Tailor your auto insurance coverage to you

When it comes to buying the right insurance coverage, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help you determine whether your personal situation may require specific advice.

  • Does coverage extend to a rental car in a foreign country?
  • Exactly who is provided coverage by my policy?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Can I still get insurance after a DUI?
  • When would I need additional glass coverage?
  • How does medical payments coverage work?
  • Does my policy pay for OEM or aftermarket parts?
  • Will my rates increase for filing one claim?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Car insurance coverage considerations

Understanding the coverages of a car insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like rock chips in glass, a tree branch falling on your vehicle, fire damage and vandalism. The maximum payout your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability coverage – This coverage provides protection from damage or injury you incur to people or other property in an accident. It protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage protects against claims such as funeral expenses, medical expenses, emergency aid and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

Collision coverage – This will pay to fix damage to your Focus ST from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like scraping a guard rail, hitting a parking meter, colliding with another moving vehicle and crashing into a building. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to save money on collision insurance.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like ambulance fees, funeral costs, pain medications and X-ray expenses. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants as well as being hit by a car walking across the street. PIP is not available in all states and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance – This provides protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.