2017 Ford Focus RS Insurance Rates in 2024 – 5 Ways to Save

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 22, 2024

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Wish you could get a refund on an overpriced insurance policy? You’re preaching to the choir because there are many drivers thinking the same thing.

Lots of car insurance companies contend to insure your vehicles, so it’s not easy to compare every company and get the best coverage at the lowest rate

If you currently have car insurance, you should be able to cut costs considerably using this information. Finding affordable coverage is quite easy. But vehicle owners must comprehend the way companies price insurance differently because it can help you find the best coverage.

Insurance Discounts

Insuring your fleet can be pricey, but you might be missing out on some discounts that many consumers don’t even know exist. Larger premium reductions will be automatically applied when you purchase, but a few need to be specially asked for before you get the savings. If you aren’t receiving every discount you deserve, you’re paying more than you need to.

  • Discount for Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of 25 to 30%.
  • Student Driver Training – Reduce the cost of insurance for teen drivers by having them take driver’s ed class in school or through a local driver safety program.
  • ABS Braking Discount – Vehicles with anti-lock braking systems can avoid accidents and the ABS can save up to 10%.
  • Distant Student – Youth drivers who attend college more than 100 miles from home and do not take a car to college may be insured at a cheaper rate.
  • E-sign Discounts – Many larger companies will give a small break shop car insurance digitally online.

One thing to note about discounts is that most of the big mark downs will not be given to all coverage premiums. Most cut the cost of specific coverages such as liability and collision coverage. So even though you would think it’s possible to get free car insurance, you aren’t that lucky.

Some of the larger companies that possibly offer these money-saving discounts include:

  • State Farm
  • American Family
  • 21st Century
  • Progressive

Before buying, ask every company which discounts they offer. Some of the earlier mentioned discounts might not be available to policyholders in your area.

Compare insurance coverage quotes

Comparing insurance coverage rates can take time and effort if you don’t utilize the most efficient way. You could waste time talking about coverages with local insurance agents in your area, or you can utilize the internet for quick rates.

Many insurance companies are enrolled in a marketplace where prospective buyers send in one quote, and at least one company returns a rated price based on the submitted data. This eliminates the need for quotation requests for each company.

To submit your quote information now, enter your zip code here.

The one disadvantage to using this type of system is you don’t know exactly the providers to get quotes from. So if you want to choose specific insurance companies to request quotes from, we have assembled a list of companies who write insurance coverage in your area. Click to enter zip code for insurance companies.

It’s up to you which method you use, but try to use equivalent coverage limits on every price quote you get. If your comparisons have differing limits it’s not possible to find the best deal for your Ford Focus RS. Slightly different limits may cause a big price difference. Just keep in mind that more quotes increases the change that you will find a better price. Not every company allows you to get quotes online, so you should also compare quotes from those companies as well.

Tailor your insurance coverage coverage to you

When it comes to choosing the best insurance coverage coverage for your vehicles, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance needs to address that. These are some specific questions could help you determine whether your personal situation could use an agent’s help.

  • When can my company non-renew my policy?
  • Should I buy full coverage?
  • Are rock chip repairs covered?
  • What should my uninsured motorist coverage limits be in my state?
  • I have a DUI can I still get coverage?
  • Can my babysitter drive my car?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed agent. To find an agent in your area, complete your zip code.

Big brands don’t always mean big savings

Popular insurance coverage providers such as Allstate and Progressive regularly use ads on TV and radio. All the ads make an identical promise about saving some big amount if you get a free car insurance quote and switch to them. Is it even possible that every company can offer you a better deal? Here is how they do it.

Insurance coverage companies have underwriting criteria for a prospective insured that will generate a profit. For instance, a preferred risk might be between the ages of 30 and 50, has had continuous coverage, and has great credit. Anybody who meets those qualifications will get very good car insurance rates and as a result will probably pay quite a bit less when switching companies.

People who are not a match for the ideal profile must pay higher prices and this can result in the customer buying from someone else. The trick is to say “drivers who switch” but not “all drivers who get quotes” save money. That is how insurance companies can confidently make those claims.

That is why it’s extremely important to get car insurance quotes as often as possible. Because you never know the company that will have the best prices for your profile.

Insurance specifics

Having a good grasp of a insurance policy can help you determine which coverages you need for your vehicles. Policy terminology can be confusing and nobody wants to actually read their policy. Below you’ll find the normal coverages found on the average insurance policy.

Comprehensive or Other Than Collision – This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as theft, damage from flooding and hitting a deer. The most your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Auto liability – This coverage protects you from damage or injury you incur to people or other property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged property. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for things such as medical expenses, repair bills for other people’s vehicles and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as large an amount as possible.

Collision coverage – Collision coverage covers damage to your Focus RS resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like rolling your car, backing into a parked car and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.

UM/UIM Coverage – This coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Ford Focus RS.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Frequently these coverages are set the same as your liability limits.

Medical costs insurance – Medical payments and Personal Injury Protection insurance provide coverage for expenses like rehabilitation expenses, dental work, chiropractic care, nursing services and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Stretch your dollar

Discount 2017 Ford Focus RS insurance is definitely available from both online companies and from local agencies, so you need to quote car insurance with both in order to have the best chance of saving money. Some companies may not provide internet price quotes and many times these smaller companies sell through independent agents.

In this article, we presented some good ideas how you can shop for 2017 Ford Focus RS insurance online. It’s most important to understand that the more rate quotes you have, the better your comparison will be. Consumers could even find that the best car insurance rates are with a small local company. These smaller insurers may cover specific market segments cheaper as compared to the big name companies such as State Farm and Allstate.

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