No one cherishes buying car insurance, in particular when the price is too high.
Because there are so many insurance providers from which to choose, it’s difficult to find the lowest cost insurance company.
Compare Quotes for Car Insurance
There are multiple methods to shop for car insurance, but one way is less time-consuming than others. You can spend countless hours talking to insurance agencies in your area, or you could save time and use online quoting to achieve your goal.
Most major companies take part in a program where prospective buyers submit one quote, and each company returns a competitive quote based on that information. This saves time by eliminating repetitive form submissions to each individual car insurance company. To use this form to compare rates click here (opens in new window).
The one downside to using this type of form is that consumers can’t choose the companies to get pricing from. If you wish to select specific insurance companies to compare prices, we put together a list of companies who write car insurance in your area. Click to view list.
It’s up to you how you get prices quotes, just make sure you use exactly the same coverages and limits for each price quote. If the quotes have different liability limits it will be very difficult to truly determine the lowest rate. Quoting even small variations in limits can result in a big premium difference. Just keep in mind that comparing more company’s prices will improve the odds of getting the best price.
Do drivers who switch really save $491 a year?
Progressive, GEICO, Allstate and State Farm constantly bombard you with ads in print and on television. All the companies make an identical promise about savings if you switch your policy. But how can every company claim to save you money?
All companies can use profiling for the driver that makes them money. For instance, a driver they prefer might be profiled as a mature driver, owns a home, and has excellent credit. Any driver who fits that profile will qualify for the lowest rates and most likely will save quite a bit of money when switching.
Potential insureds who do not match these standards must pay more money and this can result in business going elsewhere. Company advertisements say “people who switch” not “people who quote” save that much. That’s why companies can make the claims of big savings.
This illustrates why it is so important to get a wide range of price quotes. Because you never know which insurance companies will fit your personal profile best.
Don’t overlook these discounts
Properly insuring your vehicles can get expensive, buy you may qualify for discounts that you may not know about. Larger premium reductions will be automatically applied at the time of purchase, but a few must be asked about in order for you to get them.
- College Student – Children who attend school more than 100 miles from home without a vehicle on campus may be able to be covered for less.
- Senior Citizens – If you’re over the age of 55, you may qualify for a small decrease in premiums for Fiesta coverage.
- New Vehicle Savings – Putting insurance coverage on a new car can save up to 30% compared to insuring an older model.
- Anti-theft System – Anti-theft and alarm systems help deter theft and will save you 10% or more.
- Air Bag Discount – Vehicles equipped with air bags or motorized seat belts may earn rate discounts up to 30%.
- Payment Discounts – If paying your policy premium upfront instead of paying each month you could save up to 5%.
- Homeowners Pay Less – Simply owning a home may earn you a small savings because of the fact that having a home demonstrates responsibility.
- Low Mileage Discounts – Fewer annual miles on your Ford could be rewarded with a substantially lower rate.
- Defensive Driver – Completing a defensive driving course could possibly earn you a 5% discount if your company offers it.
- No Accidents – Claim-free drivers pay less compared to drivers who are more careless.
Drivers should understand that most of the big mark downs will not be given to all coverage premiums. Most only apply to the cost of specific coverages such as liability and collision coverage. Just because it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way. But all discounts will help reduce the cost of coverage.
To choose insurance companies with the best car insurance discounts, click here.
One last thing about your coverage
Cheaper Ford Fiesta insurance is definitely available online as well as from independent agents, and you need to price shop both to have the best rate selection. Some car insurance companies don’t offer online price quotes and many times these regional insurance providers only sell through independent insurance agents.
In this article, we covered a lot of ways to lower your Ford Fiesta insurance rates. The key concept to understand is the more quotes you get, the higher your chance of finding lower rates. You may even find the lowest rates come from a lesser-known regional company. These smaller insurers may cover specific market segments cheaper as compared to the big name companies such as Allstate, GEICO and Progressive.
