Cheapest 2014 Ford Fiesta Insurance Rates in 2023
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UPDATED: Dec 13, 2021
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Want the cheapest car insurance rates for your Ford Fiesta? Finding lower premiums on car insurance can seem to be a challenge for consumers not familiar with comparison shopping online. People have so many companies to choose from that it can be a challenge to locate the lowest price.
Smart consumers take time to shop coverage around quite often because prices change quite often. Just because you found the best rates for Fiesta insurance six months ago you will most likely find a better rate today. So just forget anything you know (or think you know) about car insurance because you’re about to learn the quickest way to find lower rates on car insurance.
Are you getting all your discounts?
Car insurance companies don’t necessarily list every discount in a way that’s easy to find, so we researched some of the more common and the harder-to-find ways to save on auto insurance.
- Drive Safe and Save – Safe drivers can pay as much as 50% less for Fiesta insurance than drivers with accident claims.
- Payment Discounts – If you pay your bill all at once instead of making monthly payments you could save 5% or more.
- Senior Discount – If you qualify as a senior citizen, you may qualify for better auto insurance rates for Fiesta insurance.
- More Vehicles More Savings – Buying insurance for multiple cars or trucks with the same company qualifies for this discount.
- Defensive Driving Course – Taking part in a course in driver safety can save you 5% or more if your company offers it.
- Student Driver Training – Have your child successfully complete driver’s ed class in high school.
- Resident Student – Any of your kids who are attending college and do not have a car may be able to be covered for less.
Consumers should know that most discount credits are not given to all coverage premiums. Some only reduce the price of certain insurance coverages like liability and collision coverage. Just because you may think you can get free auto insurance, companies wouldn’t make money that way.
Car insurance companies that may have these money-saving discounts include:
- State Farm
- American Family
- Mercury Insurance
- Farmers Insurance
It’s a good idea to ask each insurance company which discounts they offer. Savings may not be available in your area.
Can you really save $484 a year?
Companies like Allstate, GEICO and Progressive continually stream ads on television and other media. All the ads say the same thing of big savings after switching to their company. How do they all make almost identical claims? This is how they do it.
Insurance companies are able to cherry pick for the driver that is profitable for them. For instance, a driver they prefer might be between the ages of 40 and 55, has no prior claims, and has excellent credit. A propective insured that hits that “sweet spot” will get very good rates and is almost guaranteed to pay quite a bit less when switching companies.
Consumers who do not match this ideal profile must pay higher rates and this can result in the customer not buying. The ad wording is “customers that switch” not “everybody who quotes” save that much. That is how companies can make the claims of big savings. This illustrates why you absolutely need to quote coverage with many companies. It’s impossible to know which insurance companies will give you the biggest savings on Ford Fiesta insurance.
Tailor your coverage to you
When it comes to buying coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s situation is unique.
These are some specific questions might point out if your situation would benefit from professional advice.
- When should I buy a commercial auto policy?
- Who is covered by my policy?
- Does coverage extend to my business vehicle?
- Are split liability limits better than a combined single limit?
- Why is insurance for a teen driver so high?
- What can I do if my company denied a claim?
- Can I make deliveries for my home business?
- Am I covered if I hit a deer?
- Am I insured when driving a different vehicle?
- Does my medical payments coverage pay my health insurance deductible?
If you’re not sure about those questions but one or more may apply to you, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form.
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Insurance policy specifics
Learning about specific coverages of insurance helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.
Coverage for collisions
This pays for damage to your Fiesta resulting from a collision 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 things such as crashing into a building, sustaining damage from a pot hole, colliding with a tree and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.
Comprehensive coverage (or Other than Collision)
This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive coverage protects against claims such as fire damage, a tree branch falling on your vehicle and a broken windshield. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.
This coverage protects you from damages or injuries you inflict on people or other property. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged property.
Liability coverage pays for things such as court costs, medical services, repair bills for other people’s vehicles, funeral expenses and loss of income. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.
Insurance for medical payments
Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like pain medications, EMT expenses, X-ray expenses and rehabilitation expenses. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states and may carry a deductible
Uninsured Motorist or Underinsured Motorist insurance
Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Ford Fiesta.
Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.
Take this to the bank
As you restructure your insurance plan, it’s a bad idea to skimp on coverage in order to save money. Too many times, drivers have reduced liability coverage limits and found out when filing a claim they didn’t purchase enough coverage. The aim is to find the BEST coverage at the best price while still protecting your assets.
We just showed you many ways to get a better price on 2014 Ford Fiesta insurance. It’s most important to understand that the more you quote, the higher the chance of saving money. You may even find the lowest premiums are with a small mutual company.
Low-cost insurance can be purchased on the web and with local insurance agents, and you need to comparison shop both to get a complete price analysis. Some companies do not offer the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.
Additional information can be found on the following sites:
- Vehicle Insurance (Wikipedia)
- Rental Reimbursement Coverage (Allstate)
- Preventing Carjacking and Theft (Insurance Information Insitute)
- Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
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