2018 Ford Focus RS Car Insurance Quotes – 7 Discounts for Cheaper Rates

Trying to find cheaper auto insurance rates for your Ford Focus RS? No one gets a kick out of paying for auto insurance, especially when they are paying too much.

Lots of auto insurance companies contend for your hard-earned dollar, so it’s not easy to compare every provider to discover the definitive lowest price

If you currently have a car insurance policy, you will most likely be able to cut costs considerably using this information. Choosing the best insurance company for you is easy if you know what you’re doing. But consumers can benefit from knowing how big insurance companies sell online and take advantage of how the system works.

The quickest method we recommend to compare car insurance rates is to know the trick most of the bigger providers actually pay money for the chance to compare their rates. To begin a comparison, all you need to do is provide a little information including whether you are married, the make and model of your vehicles, your general credit rating, and distance driven. That information is then submitted to insurance companies and you will receive price estimates quickly.

To compare rates now, click here and complete the quick form.

Tailor your auto insurance coverage to you

When buying the right insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Everyone’s needs are different so this has to be addressed. For example, these questions can help discover whether your personal situation will benefit from professional help.

  • What is the minimum liability in my state?
  • Can I rate high risk drivers on liability-only vehicles?
  • Do I have any recourse if my insurance company denies a claim?
  • Do I have coverage when making deliveries for my home business?
  • Does liability extend to a camper or trailer?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Can my babysitter drive my car?

If you can’t answer these questions but a few of them apply, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

Insurance coverage considerations

Understanding the coverages of your insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. Insurance terms can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverages found on the average insurance policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Normally these limits do not exceed the liability coverage limits.

Liability coverage – This can cover injuries or damage you cause to people or other property in an accident. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims like loss of income, repair costs for stationary objects, attorney fees, bail bonds and court costs. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP provide coverage for immediate expenses such as nursing services, prosthetic devices, dental work and surgery. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. It covers all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Collision coverages – This coverage covers damage to your Focus RS resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like driving through your garage door, sideswiping another vehicle, colliding with another moving vehicle, backing into a parked car and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Comprehensive auto coverage – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as fire damage, a tree branch falling on your vehicle and hitting a deer. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.