Lower Your 2023 Ford Fiesta 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: May 9, 2024

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Trying to find the cheapest insurance coverage rates for your Ford Fiesta? Searching for the cheapest insurance for a Ford Fiesta can normally be difficult, but you can use the following methods to save time. There is a better way to find insurance coverage online so we’re going to tell you the proper way to price shop coverage on a Ford and obtain the lowest price from local insurance agents and online providers.

How do insurers determine Ford Fiesta insurance costs?

An important part of buying insurance is that you know some of the factors that help determine your policy premiums. If you understand what positively or negatively impacts your premiums, this empowers consumers to make smart changes that may result in lower premium levels.

  • Don’t skimp on liability insurance – The liability section of your policy will protect you if ever you are found liable for causing personal injury or damage in an accident. Liability provides legal defense coverage which can be incredibly expensive. This coverage is relatively inexpensive compared to comp and collision, so buy as much as you can afford.
  • Credit history impacts premium rates – Having a bad credit score factor in your rate calculation. Insureds with very high credit ratings tend to be more responsible as compared to drivers with lower credit ratings. So if your credit rating is low, you could pay less to insure your 2023 Ford Fiesta by improving your credit score.
  • Increase coverage deductibles and save – Insurance for physical damage, otherwise known as comp (or other than collision) and collision, helps pay for damage to your vehicle. Some instances where coverage would apply are a windshield shattered by a rock, damage from fire, and having your car stolen. Comprehensive and collision coverage deductibles tell how much you are required to spend out-of-pocket if a claim is determined to be covered. The more damage repair cost you have to pay, the lower your rates will be for Fiesta coverage.
  • Tickets hurt – Attentive drivers get better prices as compared to careless drivers. Having just one chargeable violation may cause rates to rise forty percent or more. Drivers who have gotten flagrant violations like DWI, reckless driving or hit and run convictions are required to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to prevent a license revocation.
  • Consolidate home and auto and save – Some insurers give discounts to buyers that purchase more than one policy in the form of a multi-policy discount. Even if you qualify for this discount already, it’s always a smart idea to get quotes from other companies to make sure you are getting the best deal.
  • Getting married pays dividends – Your spouse may earn you lower rates on your policy. Having a significant other generally demonstrates drivers are more mature than a single person and insurance companies like that being married results in fewer claims.

How much does car insurance cost?

Most major insurance companies allow you to get price estimates from their websites. Comparing rates online is quite simple as you simply enter your personal and coverage information into the form. When the form is submitted, the company’s rating system makes automated requests for your driving record and credit report and generates pricing information.

Online price quotes helps simplify price comparisons, but the time it takes to visit different websites and type in the same information is a big time waster. But it’s necessary to do this in order to find better car insurance pricing.

The better way to compare rates

A better way to locate the lowest prices requires only one form to get prices from a bunch of companies at once. The form is fast, helps eliminate repetitive entry, and makes price shopping online a lot less work. After your information is entered, your coverage is rated and you can select any one of the quotes returned. If the quotes result in lower rates, it’s easy to complete the application and buy the new coverage. It takes 15 minutes at the most and can result in significant savings.

To find out if lower rates are available, simply enter your zip code here and enter your information. If you have your current policy handy, we recommend you complete the form with your coverages identical to your current policy. Doing this assures you will receive a fair comparison for the exact same coverage.

Do drivers who switch really save $440 a year?

Consumers constantly see and hear ads that claim the lowest auto insurance rates from the likes of Progressive, GEICO, Allstate and State Farm. All the companies convey the message that drivers can save some big amount if you just switch your policy.

How is it plausible that every one can give you a better price? This is the way they can do it.

All companies have underwriting criteria for the type of driver that earns them a profit. For instance, a desirable risk might be described as a mature driver, has few claims, and drives less than 10,000 miles a year. Any customer who matches that profile gets the lowest premium rates as well as save some money.

Insureds who do not meet these standards may receive higher premium rates and this results in the customer not purchasing. If you listen closely, the ads state “drivers who switch” not “all people who quote” can save as much as they claim. That is how companies can lure you into getting a quote. Because every company is different, you really need to do a rate comparison at every renewal. It’s impossible to know which car insurance company will provide the lowest rates.

Affordable auto insurance rates with discounts

Auto insurance companies don’t always list their entire list of discounts in a way that’s easy to find, so below is a list a few of the more common and the harder-to-find discounts that you can inquire about if you buy insurance online.

  • Low Mileage Discounts – Driving less could qualify for lower rates on the low mileage vehicles.
  • Senior Citizen Discount – Mature drivers may receive a slight reduction on a insurance quote for Fiesta coverage.
  • Drivers Ed for Students – It’s a good idea to have your young drivers enroll in driver’s education in school.
  • Memberships – Being a member of qualifying employment or professional organizations could qualify you for a break on auto insurance.
  • No Charge for an Accident – Not a discount per se, but certain companies will let one accident slide before your rates go up if you are claim-free for a set time period.
  • Telematics Data Discounts – Policyholders that allow their insurance company to track driving manner through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate might see lower rates as long as they are good drivers.
  • Discounts for Multiple Vehicles – Drivers who insure all your vehicles on the same auto insurance policy can get a discount for every vehicle.

A quick disclaimer, most discounts do not apply to the whole policy. Most cut the price of certain insurance coverages like liability, collision or medical payments. So even though you would think adding up those discounts means a free policy, insurance companies wouldn’t stay in business. Any amount of discount will help lower the cost of your policy.

Some of the insurance companies who might offer these benefits include:

  • Progressive
  • Farmers Insurance
  • Farm Bureau
  • State Farm
  • Liberty Mutual

Check with each company which discounts can lower your rates. Some credits may not apply to policies everywhere.

Tailor your insurance coverage coverage to you

When buying adequate coverage, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that may help highlight if your situation could use an agent’s help.

  • When should I remove comp and collision on my 2023 Ford Fiesta?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Do I need higher collision deductibles?
  • What can I do if my company won’t pay a claim?
  • What are the best liability limits?
  • Does my car insurance cover rental cars?
  • What if I total my 2023 Ford Fiesta and owe more than it’s worth?
  • Does coverage extend to Mexico or Canada?
  • Am I covered if I drive in a foreign country?
  • I have good health insurance, so how much medical payments coverage do I need?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete your zip code. It is quick, free and may give you better protection.

The coverage is in the details

Knowing the specifics of a insurance policy can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Liability car insurance

Liability coverage can cover injuries or damage you cause to a person or their property that is your fault. This coverage protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims like legal defense fees, pain and suffering, medical expenses, medical services and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.

Uninsured and underinsured coverage

This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Ford Fiesta.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like chiropractic care, EMT expenses, dental work and ambulance fees. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants and will also cover being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive coverages

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like fire damage, a tree branch falling on your vehicle, damage from a tornado or hurricane and hitting a deer. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision insurance

This will pay to fix damage to your Fiesta resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims like sustaining damage from a pot hole, driving through your garage door and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.

Be a money saver!

You just read many ways to compare 2023 Ford Fiesta insurance rates online. It’s most important to understand that the more price quotes you have, the higher the chance of saving money. You may be surprised to find that the best price on car insurance is with a company that doesn’t do a lot of advertising.

Insureds leave their current company for many reasons like delays in responding to claim requests, high prices, extreme rates for teen drivers and even poor customer service. Whatever your reason, finding a great new company is pretty simple and you could end up saving a buck or two.

Cheaper car insurance is available online and from local agencies, so you need to shop insurance with both in order to have the best chance of saving money. Some car insurance companies may not offer internet price quotes and these smaller providers only sell coverage through independent agencies.

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