Compare 2020 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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Sick and tired of sacrificing to pay your insurance coverage bill each month? You have the same problem as the majority of other drivers.

There is such a variety of insurance companies to insure vehicles with, and though it is a good thing to have a selection, so many choices can make it hard to compare rates.

Consumers need to compare prices as often as possible because prices change quite often. Just because you found the lowest rates on Fiesta insurance two years ago there is a good chance you can find better rate quotes now. Forget all the misinformation about insurance coverage because you’re about to find out the best methods to find better coverage at a better price.

Buying car insurance is not that difficult. If you have car insurance now, you will be able to lower your premiums substantially using these tips. Nevertheless, consumers benefit from understanding how companies sell online and apply this information to your search.

Save with these premium-slashing discounts

Auto insurance companies don’t always list every discount they offer very clearly, so here is a list some of the best known and the harder-to-find credits available to lower your premiums when you buy auto insurance online.

  • Multi-line Discount – Select insurance carriers reward you with a discount if you purchase a life insurance policy as well.
  • Air Bag Discount – Options like air bags may qualify for discounts up to 30%.
  • Drive Safe and Save – Insureds who avoid accidents can pay as much as 50% less on Fiesta insurance than less cautious drivers.
  • 55 and Retired – Drivers that qualify as senior citizens can get reduced rates on Fiesta insurance.
  • E-sign – Many larger companies will discount your bill up to fifty bucks simply for signing on your computer.
  • Low Miles Discount – Driving fewer miles could qualify for better rates on cars that stay parked.
  • Anti-theft System – Cars equipped with tracking devices and advanced anti-theft systems can help prevent theft so companies will give you a small discount.
  • Data Collection Discounts – Drivers that enable companies to monitor where and when they drive by using a telematic data system like In-Drive from State Farm and Progressive’s Snapshot may see discounts as long as the data is positive.
  • No Claim Discounts – Drivers who stay claim-free are rewarded with significantly better rates on auto insurance quote when compared to drivers with a long claim history.
  • Policy Bundle Discount – If you combine your homeowners and auto policies and insure them both with the same insurance company you will save 10% to 20% off each policy.

As a footnote on discounts, most of the big mark downs will not be given to the entire policy premium. Most only cut the price of certain insurance coverages like comp or med pay. Despite the fact that it seems like you can get free auto insurance, you won’t be that lucky.

Insurance companies who may offer many of the previously listed discounts include:

  • Farm Bureau
  • State Farm
  • Progressive
  • Allstate
  • Nationwide
  • MetLife

If you need inexpensive auto insurance quotes, ask every insurance company which discounts you may be entitled to. Some discounts might not be offered on policies everywhere.

Do I need special coverages?

When it comes to buying adequate coverage, there really is not 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 situation would benefit from an agent’s advice.

  • Is my camper covered by my car insurance policy?
  • Do I need added coverage for expensive stereo equipment?
  • Will I lose any money if I cancel my policy before it expires?
  • What is medical payments coverage?
  • Should I rate my 2020 Ford Fiesta as pleasure use or commute?
  • If my 2020 Ford Fiesta is totaled, can I afford another vehicle?
  • Is a new car covered when I drive it off the dealer lot?
  • Are my friends covered when driving my car?
  • Should I waive the damage coverage when renting a car?
  • Do I need an umbrella policy?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and enter your zip code.

Ads can be misleading

Progressive, GEICO, Allstate and State Farm constantly bombard you with television and radio advertisements. They all say the same thing that you can save if you change to their company. How can each company lower your prices? Here is the trick they use.

Companies have specific guidelines for the right customer that earns them the highest profit. One example of a driver they prefer might be between 25 and 40, insures multiple vehicles, and has a short commute. A customer that meets those criteria will get the preferred rates and as a result will probably save some money.

Potential customers who cannot meet these stringent criteria may be required to pay higher premiums which results in the customer not purchasing. If you pay attention, the ads say “drivers that switch” not “everyone who quotes” save that kind of money. That’s why insurance companies can confidently make the claims of big savings. Each company has different criteria, so you should compare many company’s premium rates. It is impossible to guess with any certainty which company will give you lower car insurance rates than your current company.

Auto insurance coverage breakdown

Learning about specific coverages of your policy can be of help when determining the best coverages for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverages found on most auto insurance policies.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for bills such as nursing services, prosthetic devices and chiropractic care. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Collision coverage

Collision coverage pays for damage to your Fiesta resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as sideswiping another vehicle, rolling your car and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like vandalism, damage from getting keyed and theft. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Auto liability insurance

Liability insurance protects you from damages or injuries you inflict on other people or property. This coverage protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things such as emergency aid, court costs, legal defense fees and structural damage. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as damage to your Ford Fiesta.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Money doesn’t grow on trees

Budget-conscious 2020 Ford Fiesta insurance can be found on the web in addition to many insurance agents, so you need to shop auto insurance with both so you have a total pricing picture. Some insurance companies do not provide the ability to get quotes online and usually these regional insurance providers only sell coverage through independent insurance agencies.

When buying insurance coverage, it’s a bad idea to buy lower coverage limits just to save a few bucks. There are a lot of situations where consumers will sacrifice liability limits or collision coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your goal is to buy the best coverage you can find for the lowest cost, but don’t skip important coverages to save money.

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