Save on 2018 Ford Fiesta Insurance Cost in 2024

Having to pay for pricey Ford Fiesta insurance can overdraw your savings account and possibly require postponing other expenditures. Comparing rates annually is recommended to reduce premiums and put more money in your pocket.

You have so many car insurance companies to pick from, and although it’s nice to have a selection, having more insurers makes it harder to find the best rates.

You should take the time to quote other rates on a regular basis because car insurance prices are rarely the same from one policy term to another. Just because you had the lowest rate on Fiesta coverage on your last policy you may be paying too much now. You’ll find a ton of advice on car insurance on the web, but I’m going to show you some guaranteed methods to lower your car insurance bill.

Finding the best rates is quite easy. If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using these methods. Vehicle owners only need to know the best way to compare prices on the web.

Free car insurance rate quotes

Most of the larger companies give coverage prices on their websites. Doing online quotes doesn’t take a lot of time as you simply type in as requested by the quote form. Upon sending the form, their quoting system requests your driving record and credit report and quotes a price. Online quotes makes it easy to compare insurance prices but the process of having to visit multiple sites and fill out multiple forms is repetitive and time-consuming. But it’s absolutely necessary to get many rate quotes if you want to find the lowest possible prices on car insurance.

The easiest way to compare rates uses just one form to return rates from multiple companies. It’s a real time-saver, helps eliminate repetitive entry, and makes comparison shopping much more efficient. Once the form is submitted, it gets priced with multiple companies and you can pick any of the quotes returned. If the quotes result in lower rates, you simply finish the application and buy the new coverage. This process takes just a few minutes to complete and may result in a nice savings.

To save time and compare rates now, simply enter your zip code here and input your coverage information. To compare your current rates, we recommend you type in the insurance coverages exactly as shown on your declarations page. This guarantees you will get a rate comparison using the exact same coverages.

Is there deception in advertising?

Consumers can’t escape the ads that claim the best premium rates from the likes of Allstate and Progressive. All the ads convey the message that you’ll save big just by switching your policy.

How do they all charge you less for car insurance? It’s all in the wording.

Different companies quote their best rates for the type of driver that makes them money. For instance, a preferred risk might be described as a female over age 40, has no tickets, and drives a safe vehicle. Any new insured that hits that “sweet spot” is entitled to the best price and most likely will save a lot of money.

Insureds who may not quite match these standards may be forced to pay a higher rate which usually ends up with the customer not purchasing. The ads say “people who switch” not “everyone who quotes” save that much money. This is how insurance companies can make claims that they all have the best rates. This really drives home the point why you really should get auto insurance quotes as often as possible. It is impossible to guess which company will have the lowest rates.

Six factors that affect insurance rates

It’s important that you understand the factors that help calculate insurance rates. If you have some idea of what positively or negatively impacts your premiums, this enables informed choices that will entitle you to big savings.

The items below are some of the factors used by insurance companies to determine your rates.

• Cautious drivers pay better costs – Your driving citation history can have a huge impact on auto insurance premiums. Careful drivers get better prices compared to bad drivers. Even one chargeable violation may cause rates to rise to the point where it’s not affordable. Drivers who get license-revoking tickets such as DUI or reckless driving may need to complete a SR-22 with their state in order to prevent their license from being revoked.
• Better insurance rates with anti-theft devices – Driving a car with anti-theft technology or alarm system can help lower your rates. Theft deterrent systems such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack help track and prevent vehicle theft.
• Lower prices with continuous insurance coverage – Driving with no insurance can get your license suspended and you will pay a penalty because you let your insurance coverage expire. Not only will you pay higher rates, not being able to provide proof of insurance may earn you fines or a revoked license.
• Prices can change based on your address – Living in a rural area may provide you with better prices when shopping for auto insurance. Less people living in that area means reduced accidents and also fewer theft and vandalism claims. Residents of big cities have more traffic problems and a longer drive to work. More time on the road means more chances of being involved in an auto accident.
• Older drivers pay less – Older, more experienced drivers are more responsible, tend to cause fewer accidents and receive fewer citations. Youthful drivers have a tendency to be less responsible when driving and because of this, their insurance rates are much higher.
• Amount of liability protection – Liability insurance will provide protection if ever a jury decides you are liable for an accident. Liability provides you with a defense in court to defend your case. This coverage is very inexpensive when compared with rates for comp and collision, so drivers should make sure they buy enough to cover all assets.

Save with these premium-slashing discounts

Not many people think insurance is cheap, but you might already qualify for some discounts that you may not even be aware of. Certain reductions will be credited when you complete an application, but some need to be manually applied in order for you to get them.

• Anti-theft System – Vehicles with anti-theft systems are stolen less frequently and will qualify for a discount on a auto insurance quote.
• Data Collection Discounts – Insureds that choose to allow their auto insurance company to scrutinize driving manner by installing a telematics device such as State Farm’s In-Drive may get a rate reduction if they show good driving skills.
• Distant College Student Discount – living away from home attending college and do not have a car could qualify for this discount.
• Responsible Driver Discounts – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on Fiesta coverage than less cautious drivers.
• Federal Government Employee – Having worked for a branch of the government can earn a discount up to 10% on Fiesta coverage with some auto insurance companies.
• Good Students Pay Less – Performing well in school can save 20 to 25%. This discount can apply until age 25.
• Homeowners Discount – Owning a home can earn you a little savings due to the fact that maintaining a home is proof of financial responsibility.
• Anti-lock Brakes – Cars that have anti-lock braking systems have fewer accidents and earn discounts up to 10%.
• Defensive Driver Discount – Participating in a defensive driver class could earn you a small percentage discount depending on where you live.

While discounts sound great, it’s important to understand that most of the big mark downs will not be given to the entire policy premium. Some only reduce specific coverage prices like collision or personal injury protection. So even though they make it sound like having all the discounts means you get insurance for free, you aren’t that lucky.

To locate companies who offer cheap auto insurance quotes, enter your zip code here.

Do I need special coverages?

When it comes to choosing proper insurance coverage, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. Here are some questions about coverages that may help highlight if your insurance needs may require specific advice.

• Do I have coverage for damage caused while driving under the influence?
• When should I not file a claim?
• Where can I find high-risk insurance?
• Why do I only qualify for high-risk insurance?
• Do I need rental car coverage?
• Is my babysitter covered when using my vehicle?
• Can I drive in Mexico and have coverage?
• Is other people’s property covered if stolen from my vehicle?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you don’t have a local agent, fill out your zip code. It’s fast, doesn’t cost anything and may give you better protection.

What auto insurance coverages do you need?

Having a good grasp of auto insurance can be of help when determining the right coverages for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the normal coverages available from auto insurance companies.

Liability insurance

This can cover damages or injuries you inflict on people or other property that is your fault. It protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

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 limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for things like emergency aid, medical services, court costs and structural damage. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive protection

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like hail damage, hitting a bird, vandalism and fire damage. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for things like EMT expenses, funeral costs and dental work. They are often used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Uninsured or underinsured coverage

This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Ford Fiesta.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Auto collision coverage

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things like sideswiping another vehicle, colliding with another moving vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Shop Smart and Save

We covered many ideas to save on 2018 Ford Fiesta insurance. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. You may be surprised to find that the lowest priced insurance coverage comes from some of the smallest insurance companies. These smaller insurers can often insure niche markets at a lower cost as compared to the big name companies such as Progressive and GEICO.

More affordable insurance coverage is attainable on the web and with local insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some companies may not offer the ability to get a quote online and usually these regional carriers only sell through independent agencies.