Compare 2013 Ford Focus ST Car Insurance Quotes 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 4, 2024

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Looking for cheaper auto insurance rates for your Ford Focus ST? No one in their right mind looks forward to buying auto insurance, especially when they know they could get a better deal.

Drivers have so many insurance companies to choose from, and even though it’s nice to have a choice, it makes it harder to find the best rates.

Consumers should take time to take a look at other company’s rates before your policy renews due to the fact that insurance prices trend upward over time. Just because you had the best rates on Focus ST insurance a couple years back a different company probably has better rate quotes today. Don’t believe everything you read about auto insurance on the web, but in just a couple of minutes you can learn some good information on how to find affordable auto insurance.

Low cost insurance coverage prices

To find cheap quotes, there are a couple of ways of comparing rates from different insurance companies. The easiest way by far to lower the rate you pay for Ford Focus ST insurance is to use the internet to compare rates. This can be accomplished by using one of the methods below.

  1. If you’re in a hurry, the quickest way consumers can make multiple comparisons is an all-inclusive rate comparison. This form prevents you from having to do separate quote forms for each company. One quote request gets coverage cost estimates from insurance coverage companies with the best prices.
  2. A slightly less efficient method to get comparison quotes is going to the website for each individual company to complete their respective quote request forms. For sake of this example, let’s assume you want to get rates from GEICO, Safeco and Farmers. You would be required to spend time on each company’s site and repeatedly type in your coverage information, and that’s why the first method is more popular.
  3. The most time-consuming method to find lower rates is to spend your day driving to each insurance agency near you. Comparing online rate quotes makes this process obsolete unless you have a need for the advice and guidance of a local agent. You can, however, compare online quotes but still have the advice of a local agent.

The approach you take is up to you, just be sure you’re using the same deductibles and coverage limits on every price quote you get. If the quotes have differing limits it’s impossible to determine the lowest rate for your Ford Focus ST. Having just a slight variation in insurance coverages may cause a big price difference. And when comparing insurance coverage rates, know that getting more free quotes will enable you to find the best price. Some regional insurers cannot provide rate quotes online, so it’s important to also get quotes from those companies as well.

Do you qualify for discount car insurance?

Not too many consumers would say car insurance is affordable, but you may be missing some discounts that can drop the cost substantially. Some discounts will apply at the time of purchase, but once in a while a discount must be asked about prior to getting the savings.

  • Auto/Home Discount – When you combine your home and auto insurance and insure them both with the same insurance company you may earn at least 10 to 15 percent or more.
  • Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn a lower premium rate if you buy life insurance.
  • Student Discounts – A discount for being a good student may save you up to 25%. Many companies even apply the discount to college students well after school through age 25.
  • Senior Discount – Drivers that qualify as senior citizens may receive reduced rates on Focus ST insurance.
  • No Claims – Drivers who stay claim-free get the best car insurance rates as opposed to accident-prone drivers.
  • E-sign – A handful of larger companies may give you up to $50 for signing up over the internet.
  • Drive Less and Save – Driving less can qualify you for slightly better car insurance rates than normal.
  • Passenger Safety Discount – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of up to 25% or more.
  • College Student – Older children who live away from home at college and don’t have a car may be insured at a cheaper rate.

A little disclaimer on discounts, some credits don’t apply to the entire cost. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates you can get free auto insurance, you won’t be that lucky.

Companies that may include most of these discounts are:

  • The Hartford
  • American Family
  • Progressive
  • Travelers
  • Farmers Insurance
  • USAA
  • Liberty Mutual

Check with all companies you are considering which discounts you qualify for. Some of the discounts discussed earlier may not apply to policies in your area.

What insurance coverages do I need?

When it comes to choosing the best insurance coverage, there is no cookie cutter policy. Every situation is different so your insurance should reflect that For instance, these questions can aid in determining if your situation might need professional guidance.

  • Am I covered if I break a side mirror?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Which companies will insure high-risk drivers?
  • Should I carry comprehensive and collision coverage?
  • Can I still get insurance after a DUI?
  • What vehicles should carry emergency assistance coverage?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete your zip code.

Insurance policy specifics

Learning about specific coverages of your insurance policy can help you determine appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement. Listed below are the usual coverages available from insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Ford Focus ST.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Medical payments and PIP coverage

Med pay and PIP coverage pay for expenses for surgery, X-ray expenses, EMT expenses, funeral costs and pain medications. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover you and your occupants and also covers if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

This covers damage to your Focus ST caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like backing into a parked car, rolling your car, sideswiping another vehicle, hitting a mailbox and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Liability coverage

This coverage provides protection from damages or injuries you inflict on other people or property that is your fault. This insurance protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like court costs, medical expenses, pain and suffering, bail bonds and emergency aid. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like a broken windshield, a tree branch falling on your vehicle, falling objects, fire damage and hitting a deer. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

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