Compare 2016 Ford Focus ST Car Insurance Rates in 2024

Consumers have options when looking for the lowest priced Ford Focus ST insurance. They can either waste time contacting agents to get rate comparisons or leverage the internet to make rate comparisons.

There are both good and bad ways to shop for car insurance so you’re going to learn the quickest way to compare rates for a new or used Ford and get the best price possible either online or from local insurance agents.

It’s a good idea to do price comparisons before your next renewal since rates change regularly. Despite the fact that you may have had the best premium rates for Focus ST coverage two years ago you will most likely find a better price today. Ignore everything you know about car insurance because you’re about to learn how to use online quotes to get good coverage at a lower rate.

Discounts can really help lower premiums

Properly insuring your vehicles can get expensive, but there’s a good chance there are discounts that can help lower your rates. Many discounts should be triggered when you purchase, but some need to be asked for before they will apply.

• Early Signing – Some insurance companies give discounts for buying a new policy early. You could save around 10% when you buy insurance coverage online.
• Discounts for Multiple Vehicles – Drivers who insure several vehicles on one policy qualifies for this discount.
• Life Insurance Discount – Companies who offer life insurance give better car insurance rates if you take out life insurance from them.
• Theft Deterrent Discount – Cars and trucks equipped with anti-theft or alarm systems can help prevent theft and will save you 10% or more.
• Accident Forgiveness – This isn’t a discount exactly, but certain companies will forgive one accident before hitting you with a surcharge as long as you don’t have any claims for a specific time period.
• Government Employees – Employees or retirees of the government could qualify for a slight premium decrease for Focus ST coverage with some car insurance companies.

One last thing about discounts, most discounts do not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears it’s possible to get free car insurance, you won’t be that lucky.

To view insurance companies that offer many of these discounts, enter your zip code here.

Insurance coverage quotes comparison

Getting a low cost price on 2016 Ford Focus ST insurance is a fairly straight forward process. Just invest a little time comparing rates to find. This can be accomplished by using one of the methods below.

The most recommended method to compare a lot of rates at once would be an industry-wide quote request form. This method eliminates the need for separate quotes for each company you want a rate for. Filling out one form will return price quotes from insurance coverage companies with the best prices. This is by far the quickest method.

A more difficult way to analyze rates is spending the time to visit each company website and request a quote. For example, we’ll pretend you want to view quotes from Auto-Owners, Liberty Mutual and State Farm. You would have to take the time to go to each site to enter your coverage information, which is why first method is recommended.

The most difficult way to shop rates is physically going to insurance agencies in your area. Doing it all online makes this process obsolete unless your situation requires the professional advice only provided by licensed agents. Although, it is possible obtain prices from the web but have a local agent actually write the policy.

It’s your choice how you get your quotes, but make sure you compare the same quote data for every quote you compare. If each company quotes mixed coverages it’s impossible to make an equal comparison.

Smart consumers save more

Multiple criteria are taken into consideration when you get a price on insurance. Some of the criteria are obvious like a motor vehicle report, although some other factors are more transparent like where you live or how safe your car is.

• Do you save by driving less? – The more you drive each year the more you’ll pay to insure it. A lot of insurance companies rate vehicles based upon how the vehicle is primarily used. Cars used primarily for pleasure use receive lower rates than cars that get driven a lot. Having the wrong rating on your Focus ST can cost quite a bit. Verify your auto insurance coverage properly reflects the correct driver usage, because it can save money.
• Less chance of injury means lower premiums – Safe vehicles can get you lower premiums. Safer cars protect occupants better and any reduction in injury severity means lower claim amounts which can mean better rates for you. If the Ford Focus ST earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may be receiving a better rate.
• Liability protection is critical – The liability coverage on your policy provides coverage in the event that you are ruled to be at fault for personal injury or accident damage. Liability provides legal defense which can cost thousands of dollars. Liability insurance is pretty cheap compared to insuring for physical damage coverage, so do not cut corners here.
• Is your vehicle theft-ready? – Choosing a vehicle that has an advanced theft prevention system can help lower your premiums. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help stop car theft and help bring rates down.

Will just any policy work for me?

When choosing the right insurance coverage, there is no “perfect” insurance plan. Each situation is unique.

Here are some questions about coverages that could help you determine whether or not you may require specific advice.

• Is my business laptop covered if it gets stolen from my vehicle?
• Am I covered if I wreck a rental car?
• Do I need PIP coverage since I have good health insurance?
• Should I file a claim if it’s only slightly more than my deductible?
• Do I need more liability coverage?
• Am I covered when delivering products for my home-based business?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out your zip code. It’s fast, free and you can get the answers you need.

Insurance policy specifics

Having a good grasp of insurance can be of help when determining which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Medical costs insurance – Med pay and PIP coverage pay for immediate expenses for things like pain medications, ambulance fees, dental work, rehabilitation expenses and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible

Comprehensive or Other Than Collision – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like hitting a deer, hitting a bird, theft, damage from a tornado or hurricane and damage from flooding. The maximum amount your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision – Collision insurance pays for damage to your Focus ST caused by collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims like scraping a guard rail, crashing into a ditch, sideswiping another vehicle and driving through your garage door. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to bump up the deductible to save money on collision insurance.

Liability coverages – Liability insurance protects you from injuries or damage you cause to a person or their property that is your fault. This insurance protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers things like loss of income, medical services, structural damage, legal defense fees and attorney fees. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Shop. Compare. Save.

Consumers switch companies for any number of reasons including high prices, delays in paying claims, unfair underwriting practices and even denial of a claim. Regardless of your reason for switching companies, switching companies can be easy and end up saving you some money.

As you prepare to switch companies, don’t be tempted to reduce coverage to reduce premium. Too many times, drivers have reduced comprehensive coverage or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy a smart amount of coverage at an affordable rate but still have enough coverage for asset protection.

We just showed you many ideas to shop for 2016 Ford Focus ST insurance online. The key concept to understand is the more companies you get prices for, the better your comparison will be. You may be surprised to find that the lowest premium rates come from the smaller companies.