Fastest Guide to the Cheapest Ford Fiesta Auto Insurance Rates

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Trust us, there are lots of people in the same boat. There are many insurance companies to buy insurance from, and even though it’s nice to be able to choose, it makes it harder to find a good deal.

Are you getting all your discounts?

Companies that sell car insurance don’t necessarily list every available discount in a way that’s easy to find, so we researched both the well known and the more hidden auto insurance savings. If you aren’t receiving every discount you deserve, you are paying more than you should be.

• Air Bag Discount – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of more than 20%.
• New Vehicle Savings – Putting insurance coverage on a new car can be considerably cheaper due to better safety requirements for new cars.
• Military Rewards – Having a deployed family member may qualify for rate reductions.
• Payment Method – If you pay your bill all at once instead of paying each month you could save up to 5%.
• Government Employees – Active or retired federal employment could cut as much as 10% off for Fiesta insurance depending on your company.
• Discount for Swiching Early – Some insurance companies reward drivers for switching to them prior to your current policy expiration. The savings is around 10%.
• Good Student – Performing well in school can get you a discount of up to 25%. This discount can apply up to age 25.
• Use Seat Belts – Requiring all passengers to wear their seat belts could save 15% off your PIP or medical payments premium.
• Sign Online – A few companies give back up to $50 just for signing your application over the internet.
• Student Driver Training – Have your child successfully complete driver’s ed class if it’s offered in school.

Consumers should know that most credits do not apply the the whole policy. Some only apply to individual premiums such as medical payments or collision. Just because you may think you can get free auto insurance, you’re out of luck.

To choose providers who offer auto insurance discounts, follow this link.

Auto Insurance Prices Online

Most companies like Progressive, GEICO, Allstate and State Farm allow you to get price estimates on their websites. Getting online rates doesn’t take a lot of time as you simply type in the coverage amounts you desire into a form. After you complete the form, the company’s rating system collects your driving record and credit report and gives you a price quote based on many factors. Online price quotes makes it a lot easier to compare rates but having to visit different websites and complete many quote forms can be a bit tiresome and repetitive. Unfortunately, it is important to perform this step if you want to find the lowest auto insurance rates.

The better way to compare rates

A quicker way to lower your auto insurance bill uses one form to obtain quotes from a bunch of companies at once. It’s a real time-saver, requires less work, and makes price shopping online much simpler. After sending your information, your coverage is rated and you can choose any of the returned quotes. If a lower price is quoted, you simply finish the application and purchase the new policy. The whole process only takes a few minutes and may result in a nice savings.

To quickly find out how much you’re overpaying now, simply click here to open in new window and submit your coverage information. If you have a policy now, it’s recommended that you enter your coverages as close as possible to your current policy. This makes sure you’re receiving rate comparison quotes for similar insurance coverage.

Tailor your coverage to you

When buying the right insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone’s situation is a little different and your policy should reflect that. For example, these questions might point out whether your personal situation could use an agent’s help.

• Does liability extend to a camper or trailer?
• I have good health insurance, so how much medical payments coverage do I need?
• Is rental equipment covered for theft or damage?
• How do I file an SR-22 for a DUI in my state?
• Do I need roadside assistance coverage?
• Do no-fault laws apply in my state?
• What if I don’t agree with a claim settlement offer?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, free and may give you better protection.

One last thing about your coverage

Cheap Ford Fiesta insurance is attainable from both online companies and with local insurance agents, so you should compare both to get a complete price analysis. There are still a few companies who do not offer online price quotes and most of the time these regional insurance providers sell through independent agents.

In this article, we covered a lot of tips how to lower your Ford Fiesta insurance rates. It’s most important to understand that the more companies you get rates for, the higher your chance of finding lower rates. Consumers may even find the best price on auto insurance is with the smaller companies. Smaller companies may only write in your state and offer lower rates than the large multi-state companies such as Progressive or GEICO.