Cheaper 2019 Ford Fiesta Insurance Rates in 2024

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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: May 9, 2024

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Looking for cheaper insurance coverage rates for your Ford Fiesta? No car owner loves paying for insurance coverage, especially knowing their premiums are through the roof. Popular companies such as Allstate, Liberty Mutual and State Farm continually hit you with catchy ads and it is difficult to ignore the propoganda and do the work needed to find the best deal.

Smart consumers take time to check insurance coverage prices before your next renewal because insurance coverage prices are constantly changing. Just because you had the lowest rate on Fiesta insurance a few years ago you can probably find a better premium rate now. There is a lot of bad information regarding insurance coverage out there, but you can learn some great ways to reduce your insurance coverage bill.

How to lower your car insurance cost

Shopping for lower car insurance rates can be challenging if you don’t understand the easiest way. You could waste time talking to agents in your area, or you can utilize the web to achieve your goal.

Most of the best insurance companies belong to an insurance system that allows shoppers to enter their coverage request one time, and each participating company can provide price quotes for coverage. This prevents consumers from doing quote requests for each company you want a rate for.

To find out what other companies charge enter your zip code here.

The only drawback to doing it this way is you are unable to specify which companies to receive prices from. So if you prefer to pick specific insurance companies to compare rates, we have a page of car insurance companies in your area. Click to enter zip code.

You can choose any of those ways to find more affordable coverage, but ensure you’re using equivalent deductibles and coverage limits with every price quote. If the quotes have different coverage information it’s impossible to determine the lowest rate for your Ford Fiesta.

But they said I’d save $489 a year!

Consumers can’t escape the ads for the lowest price insurance coverage by 21st Century, Allstate and State Farm. All the ads make the point that you’ll save big if you get a free car insurance quote and switch your coverage to them.

How does every company offer you a better deal? This is how they do it.

All the different companies are able to cherry pick for the right customer that makes them money. One example of a preferred risk might have to be between the ages of 30 and 50, has a clean driving record, and drives less than 10,000 miles a year. A driver that fits those parameters will qualify for the lowest premium rates and will cut their rates if they switch.

Potential insureds who may not quite match the “perfect” profile will be charged higher premiums and this can result in business not being written. The ad wording is “drivers who switch” but not “all drivers who get quotes” can get the lowest rates when switching. That’s why companies can make the claims of big savings.

Because of the profiling, you need to do a quote comparison often. It’s impossible to know which insurance companies will have better car insurance rates than you’re paying now.

The Ford Fiesta insurance price equation

Many different elements are part of the calculation when quoting car insurance. A few of the factors are predictable like an MVR report, but other criteria are less obvious such as your marital status or how financially stable you are.

  • Liability insurance limits are a factor – The liability section of your policy will afford coverage if ever you are determined to be liable for personal injury or accident damage. Your policy’s liability insurance provides for a legal defense up to the limits shown on your policy. This coverage is relatively inexpensive compared to comp and collision, so do not skimp.
  • Long commutes cost more – Driving a lot of miles each year the higher the price you pay to insure it. A lot of companies rate vehicles based upon how you use the vehicle. Cars and trucks that do not get driven very much receive better premium rates than those used for commuting. Verify your auto insurance policy is rated on how each vehicle is driven. An incorrectly rated Fiesta is throwing money out the window.
  • Raising comp and collision deductibles saves money – Physical damage insurance, also called ‘full coverage’, helps pay for damage to your vehicle. Examples of some claims that would be covered are a broken side mirror, hitting a deer, and windstorm damage. Your deductibles state the amount of money you are willing to pay before your auto insurance pays a claim. The more money you choose to pay out-of-pocket, the bigger discount you will receive on Fiesta insurance.
  • Better auto insurance rates on safer cars – Vehicles with good safety scores tend to have lower insurance rates. These vehicles reduce occupant injuries and reduced instances of injuries means less money paid by your insurance company which can mean better rates for you.
  • Your vocation can affect prices – Did you know your career choice can influence rates? Jobs like military generals, airline pilots and accountants generally pay higher average rates in part from stressful work requirements and lengthy work days. Conversely, jobs like scientists, historians and performers get better rates on Fiesta insurance.
  • Only buy add-on coverages you need – Insurance policies have a lot of extra add-on coverages that you can buy if you aren’t careful. Insurance for things like rental car coverage, accident forgiveness, and extra equipment coverage are examples of these. They may seem like a good idea at first, but if you’ve never needed them in the past consider taking them off your policy.
  • Filing insurance claims can increase rates – Insurance companies provide discounts to policyholders who do not rely on their insurance for small claims. If you frequently file small claims, you can look forward to either higher rates or even cancellation. Your insurance policy is designed for more catestrophic claims.

Save a ton by taking advantage of discounts

Car insurance companies don’t always advertise the entire discount list in a way that’s easy to find, so the below list has some of the best known in addition to some of the lesser obvious insurance savings. If you do not double check each discount you qualify for, you could be paying more than you need to.

  • Defensive Driver Discounts – Taking part in a class that teaches defensive driving techniques could earn you a small percentage discount if you qualify.
  • Online Discount – Certain companies give back up to $50 simply for signing on their website.
  • Pay Now and Pay Less – By paying your policy upfront rather than paying in monthly installments you could save 5% or more.
  • Multiple Policy Discount – If you insure your home and vehicles with the same company you could save at least 10% off all policies.
  • Multi-car Discount – Purchasing coverage when you have more than one vehicle with one company can reduce the rates for all insured vehicles.
  • Clubs and Organizations – Being a member of certain professional organizations could earn you a nice discount on your bill.
  • Distant Student Discount – Children living away from home attending college and won’t have access to an insured vehicle may qualify for this discount.

One last thing about discounts, some credits don’t apply to all coverage premiums. Some only reduce specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like adding up those discounts means a free policy, insurance companies wouldn’t stay in business.

To locate providers that offer the discounts shown above, enter your zip code here.

How much car insurance do I need?

When choosing adequate coverage, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s and your policy should reflect that. For instance, these questions may help you determine if you could use an agent’s help.

  • Is pleasure use cheaper than using my 2019 Ford Fiesta to commute?
  • Where can I get insurance after a DUI in my state?
  • Is my state a no-fault state?
  • Do I have coverage for damage caused while driving under the influence?
  • Do I need higher collision deductibles?
  • Will I lose any money if I cancel my policy before it expires?
  • Can my babysitter drive my car?
  • Do I need roadside assistance coverage?
  • What exactly is covered by my policy?
  • I have health insurance so do I need medical payments coverage?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete your zip code. It’s fast, free and can provide invaluable advice.

Car insurance 101

Understanding the coverages of insurance aids in choosing which coverages you need for your vehicles. Insurance terms can be difficult to understand and coverage can change by endorsement. Below you’ll find the normal coverages offered by insurance companies.

Collision insurance

This pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as sustaining damage from a pot hole, sideswiping another vehicle and scraping a guard rail. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to increase the deductible to save money on collision insurance.

Medical costs insurance

Coverage for medical payments and/or PIP pay for expenses for things like nursing services, prosthetic devices and dental work. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Auto liability insurance

This protects you from damage or injury you incur to a person or their property in an accident. This coverage protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged property. Some companies may use a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims like attorney fees, pain and suffering, legal defense fees and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but you should buy as much as you can afford.

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as damage from getting keyed, falling objects, a tree branch falling on your vehicle, vandalism and fire damage. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

This gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and also any damage incurred to your Ford Fiesta.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Frequently these coverages do not exceed the liability coverage limits.

More choices the merrier

In this article, we presented a lot of tips how to lower your 2019 Ford Fiesta insurance premium rates. The key concept to understand is the more providers you compare, the better likelihood of getting cheaper car insurance. You may even discover the lowest premium rates come from a small mutual company. These smaller insurers may often insure only within specific states and give getter rates than their larger competitors like State Farm or Progressive.

When getting car insurance quotes online, it’s not a good idea to skimp on coverage in order to save money. There are too many instances where someone dropped comprehensive coverage or liability limits only to find out they didn’t purchase enough coverage. Your aim should be to get the best coverage possible at the best cost.

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