Guide to Insuring your Ford Fiesta for Less
If shopping your car insurance around was fun, we'd do it much more often. But most likely we pay more than we want to and don't really enjoy the buying process. You probably feel the same way about finding lower cost coverage for your Ford Fiesta.
Step One: Insurance Rate Comparison Quotes
The antiquated method of shopping for car insurance included a high pressure visit to the office of your local insurance agent. Life has gotten easier!
The best car insurance companies offer online quoting for a Ford Fiesta and it's very easy to compare different rates by only using one form.
To start saving, have your current policy handy and click the link below. Our short form makes it easy to enter your information and compare rates.
Quoting Tip! The only way to compare rates from multiple companies is to use identical coverage amounts and deductibles on each quote. If you use different limits on quotes, you cannot accurately determine which company has the best rates for your Fiesta.
Step Two: How to Lower your Fiesta Insurance Premium
There are many contributing factors that determine what you pay to insure your Ford. You can help yourself (and your wallet) by paying attention to the following rate factors.
- If your city or county offers a driver's safety course, find out if your insurance company will give you a discount to complete it. It could save you up to 10%.
- If you belong to a professional organization, check to see if that can earn you a discount. If you're over the age of 55, check to see if they have a senior citizen discount as well.
- Car insurance rates for a teen driver on a Ford Fiesta will be expensive no matter what kind of coverage you have. But if you don't need comprehensive and collision, consider dropping those to save money.
- To keep your rates low, don't file excessive claims on your policy. Insurance is meant to cover large losses, not small damage that you can pay for out-of-pocket.
- Do you keep your credit rating in good shape? If you do, you will get a better rate than if you let your credit score slide. Check your credit score regularly to make sure there are few blemishes on your record.
- Owning a home takes financial responsibility, and car insurance companies will often give you a break just for being a homeowner.
- One of the easiest ways to cut your rates is to increase your comprehensive and collision deductibles. By having a higher deductible like $500 or even $1,000, you can save 30% or more on physical damage coverage.
- If your vehicle comes with safety features such as electronic stability control, head restraints, all-wheel drive or air bags, these all help keep insurance costs down by helping reduce accident injuries.
- Minor driving violations such as speeding tickets can cause your rates to go up. Too many violations in a short period of time will cause your policy to be non-renewed.
- It's very important that you allows keep coverage effective on your vehicles. Having even a one-day lapse in coverage can make your premiums jump higher.
- Particular years and models of cars tend to be frequently stolen, and if your Fiesta is on that list, chances are your insurance company knows it and will ding you a little extra because of it.
Step Three: Select the Best Company for Your Needs
Choosing a new car insurance company is not easy. But hopefully you have a handful of quotes for your Fiesta that will give you a good idea of how much it will cost, as well as some idea of any coverage changes you may want to make.
It's easiest to cancel an old policy at the renewal date, but you can cancel it anytime. Just make sure you have the new policy effective the date you cancel your old policy in order to avoid any lapse in coverage.
When buying a new vehicle, coverage will extend from your existing policy. But if you don't have a car insurance policy, you will want to make sure you have coverage BEFORE you drive off the lot. Be sure to have a new policy ready to go if you are buying a new Fiesta. If you've never had car insurance or don't have a policy now, you won't have any protection on the vehicle until you add it to your policy.
Once your new policy has been purchased, you are required to keep the proof-of-insurance card in your vehicle at all times. This is required by state law and you can receive a citation if you cannot provide it. An SR-22 filing may be required by your state's DMV if you've been convicted of a serious driving offense such as DUI, DWI or reckless driving. If this applies to you, make sure the car insurance company complies with the SR-22 requirement.
Car Insurance Resources
To read more about topics such as how to file a claim, replacement auto parts and mistakes to avoid, visit the Insurance Information Institute website.
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