Cheapest 2015 Ford Focus ST Insurance Rates 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: Jun 5, 2023

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Having to pay for overpriced Ford Focus ST insurance can overdraw your personal savings and make it impossible to make ends meet. Comparison shopping is a great way to tighten up your finances. Insurance companies such as Allstate and Progressive continually bombard you with TV and radio ads and it can be hard to see past the geckos and flying pigs and do the work needed to find the best deal.

It’s important to check auto insurance prices quite often because rates change regularly. Just because you had the best deal on Focus ST insurance a year ago you will most likely find a better rate today. Block out anything you think you know about auto insurance because we’re going to demonstrate the tricks you need to know to find great coverage at a great price.

If you are insured now or need new coverage, you can use these tips to find better prices and still get good coverage. Buying car insurance is not rocket science. Drivers only need an understanding of the most effective way to compare prices online.

Don’t pay full price with these discounts

The cost of insuring your cars can be expensive, but there are discounts available that you may not know about. Larger premium reductions will be automatically applied at quote time, but some may not be applied and must be asked for before being credited. If you’re not getting every credit you qualify for, you’re just leaving money on the table.

  • Military Discounts – Being on active duty in the military could be rewarded with lower premiums.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
  • Memberships – Participating in a professional or civic organization is a good way to get lower rates when shopping for car insurance on Focus ST insurance.
  • Paperless Signup – Some insurance companies give back up to $50 for buying a policy and signing up online.
  • More Vehicles More Savings – Insuring multiple cars or trucks on one policy qualifies for this discount.
  • Discount for Life Insurance – Companies who offer life insurance give better rates if you take out life insurance.
  • Bundle and Save – If you have multiple policies with one company you will save approximately 10% to 15%.
  • Discount for New Cars – Adding a new car to your policy can be considerably cheaper because new vehicles have to meet stringent safety requirements.

It’s important to understand that most discounts do not apply to the entire cost. Most cut the price of certain insurance coverages like comprehensive or collision. Just because it seems like adding up those discounts means a free policy, companies don’t profit that way. Any amount of discount will help reduce the amount you have to pay.

For a list of insurance companies with the best car insurance discounts, click here.

Comprehensive Car Insurance Comparison

All the larger car insurance companies give coverage price quotes directly from their websites. Getting online rates doesn’t take much effort as you simply enter your coverage information as requested by the quote form. After you complete the form, the company’s rating system automatically orders information on your driving record and credit history and generates a price based on many factors. Online quotes streamlines rate comparisons, but the process of having to visit many different websites and fill out multiple forms is repetitive and time-consuming. Unfortunately, it is important to perform this step if you are searching for a better rate.

Isn’t there an easier way to compare rates?

A less time-consuming method to find lower prices uses one simple form that gets prices from more than one company. This type of form saves time, reduces the work, and makes online shopping much more efficient. As soon as the form is sent, it gets priced and you can select your choice of the quote results.

If the quotes result in lower rates, you can click and sign and purchase the new policy. The entire process takes less than 15 minutes and may result in a nice savings.

If you want to fill out one form to compare multiple rates now, click here to open in new window and fill out the form. If you currently have coverage, we recommend you enter your coverages identical to your current policy. Using the same limits helps guarantee you’re receiving a price comparison for exact coverage.

Ford Focus ST rates are complex

Consumers need to have an understanding of the different types of things that play a part in calculating car insurance rates. Understanding what determines base rates allows you to make educated decisions that can help you get better car insurance rates.

  • Liability coverage is cheap – Liability insurance is the protection in the event that you are found to be at fault for personal injury or accident damage. It will provide legal defense up to the limits shown on your policy. Liability is cheap compared to physical damage coverage, so buy as much as you can afford.
  • Credit scores impact car insurance rates – Credit score is a big factor in calculating your car insurance rates. If your credit score is lower than you’d like, you could be paying less to insure your 2015 Ford Focus ST by repairing your credit. Drivers with good credit tend to file fewer claims and have better driving records than drivers with poor credit.
  • Don’t get talked into coverage you don’t need – There are a ton of additional coverages that can waste your money when buying car insurance. Insurance for vanishing deductibles, accident forgiveness and membership fees may be costing you every month. These coverages may sound good initially, but your needs may have changed so eliminate the coverages to reduce your premium.
  • Equipment add-ons that lower car insurance rates – Driving a car with anti-theft technology or alarm system can help bring down rates. Theft prevention devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder car theft.
  • Do you qualify for a multi-policy discount? – The majority of car insurance companies give discounts to policyholders who carry more than one policy in the form of a multi-policy discount. Even with this discount, it’s in your best interest to compare rates to confirm you are receiving the best rates possible.
  • Careful drivers pay lower rates – Your driving citation history has a huge affect on how much you pay. Just one citation may increase your cost twenty percent or more. Drivers with clean records get better rates compared to drivers with tickets. Drivers who have flagrant citations like hit and run, DWI or reckless driving convictions may need to file a SR-22 with their state DMV in order to keep their license.

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Your personal situation dictates your coverage

When it comes to choosing coverage, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs so this has to be addressed. For instance, these questions can help discover whether you will benefit from professional help.

  • Am I insured when driving a different vehicle?
  • When should I not file a claim?
  • What is high-risk coverage and where do I buy it?
  • What if I owe more than I can insure my car for?
  • Do I need roadside assistance coverage?
  • How much underlying liability do I need for an umbrella policy?
  • Are there companies who specialize in insuring high-risk drivers?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Car insurance 101

Knowing the specifics of your policy can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverages found on the average auto insurance policy.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Ford Focus ST.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Normally the UM/UIM limits do not exceed the liability coverage limits.

Auto liability insurance

This protects you from damages or injuries you inflict on other’s property or people that is your fault. It protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as bail bonds, repair costs for stationary objects, medical services, legal defense fees and medical expenses. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive auto insurance

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hitting a deer, hail damage, vandalism and damage from a tornado or hurricane. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto collision coverage

This coverage will pay to fix damage to your Focus ST caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like driving through your garage door, rolling your car and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as chiropractic care, EMT expenses, X-ray expenses and dental work. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Shop around and save

While you’re price shopping online, it’s a bad idea to buy less coverage just to save a little money. There have been many cases where an insured dropped collision coverage only to regret that it was a big mistake. The proper strategy is to find the BEST coverage at an affordable rate.

Low-cost 2015 Ford Focus ST insurance is definitely available online as well as from independent agents, and you should be comparing both in order to have the best price selection to choose from. Some insurance providers don’t offer online quoting and many times these small insurance companies only sell through independent insurance agents.

To learn more, feel free to visit these articles:

Use our FREE quote tool to compare rates now!

Frequently Asked Questions

What factors affect the insurance rates for a 2015 Ford Focus ST?

Several factors can influence the insurance rates for a 2015 Ford Focus ST, including the driver’s age and location, the vehicle’s model and trim level, the driver’s driving history, the level of coverage chosen, and the insurance provider’s specific criteria.

Is the 2015 Ford Focus ST considered an affordable vehicle to insure?

The insurance rates for a 2015 Ford Focus ST can vary depending on various factors. While it may have higher insurance rates compared to a standard Ford Focus due to its sportier performance and higher value, it’s important to compare quotes from different insurance providers to find the most affordable rates.

What are some tips to obtain cheaper insurance rates for a 2015 Ford Focus ST?

To potentially secure cheaper insurance rates for a 2015 Ford Focus ST, you can consider the following tips:

  • Shop around and compare quotes from multiple insurance providers.
  • Maintain a clean driving record with no accidents or traffic violations.
  • Inquire about available discounts, such as safe driver discounts, multi-policy discounts, or discounts for having safety features like anti-lock brakes and airbags.
  • Consider increasing your deductibles, which can lower your premiums. However, make sure you can afford the deductible amount in case of a claim.

How can I find the cheapest insurance rates for my 2015 Ford Focus ST?

To find the cheapest insurance rates for your 2015 Ford Focus ST, it’s recommended to gather quotes from various insurance providers. You can do this by contacting different insurers directly, using online insurance comparison tools, or consulting with an independent insurance agent who can help you explore multiple options.

Are there any specific insurance providers known for offering competitive rates for a 2015 Ford Focus ST?

Insurance rates can vary significantly between providers, and what may be considered competitive for one person might not be the same for another. It’s essential to compare quotes from multiple insurance companies to determine which one offers the most affordable rates for your specific circumstances and coverage needs.

Are there any specific features of the 2015 Ford Focus ST that may impact insurance rates?

The 2015 Ford Focus ST is a high-performance variant of the Ford Focus, which can impact insurance rates. Its sporty nature and increased power may lead to higher rates compared to a standard model. Additionally, features like turbocharging or modified exhaust systems may be factors that insurers take into consideration when calculating premiums.

Can I change my insurance coverage to lower my rates for a 2015 Ford Focus ST?

Adjusting your insurance coverage can be a viable way to potentially lower your rates for a 2015 Ford Focus ST. However, it’s important to ensure that the coverage still meets your needs and provides adequate protection. Before making any changes, it’s recommended to consult with your insurance provider or agent to understand the potential impact on coverage and premiums.

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