Free Guide to Paying Less for Ford Auto Insurance Online

Nobody I know looks forward to paying for auto insurance, in particular when the cost is too high.

Insurance companies such as GEICO and Progressive promote their brand names with fancy advertisements and it can be hard to sift through the bull and take the time to shop coverage around.

Policy discounts you shouldn't miss

Properly insuring your vehicles can get expensive, buy you may qualify for discounts to reduce the price significantly. Most are applied at quote time, but some may not be applied and must be asked about in order for you to get them.

  • Federal Employees - Simply working for the federal government may qualify you for a discount with a few auto insurance companies.
  • Anti-lock Brake System - Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
  • Discount for New Cars - Insuring a new car can save up to 30% due to better safety requirements for new cars.
  • No Claims - Good drivers with no accidents pay less when compared to frequent claim filers.
  • Low Mileage Discounts - Fewer annual miles could qualify for discounted rates on garaged vehicles.

It's important to note that most discounts do not apply to your bottom line cost. Some only apply to individual premiums such as comp or med pay. Just because you may think all those discounts means the company will pay you, you're out of luck. But any discount will reduce the amount you have to pay.

For a list of insurance companies who offer auto insurance discounts in Ford, click here to view.

Automobile Insurance Quotes in Ford, KS

The are a couple different ways of comparing rate quotes from different Ford insurance companies. The recommended way to find the cheapest insurance rates involves getting comparison quotes online. This can be accomplished in just a few minutes using one of these methods.

One of the best ways consumers can make multiple comparisons is a comparison rater form like this one (opens in new window). This easy form saves time by eliminating a different quote to each individual auto insurance company. A single form gets rate comparisons .

A less efficient way to shop for auto insurance online is spending the time to visit the website of each company to complete a price quote. For sake of this example, let's say you want to compare , and . To find out each rate you need to spend time on each company's site and enter your policy data, which is why the first method is more popular. For a list of links to companies insuring cars in Ford, click here.

It's your choice how you get your quotes, but make absolute certain that you use exactly the same information for every company. If each company quotes higher or lower deductibles it's not possible to decipher which rate is best in Ford. Quoting even small variations in limits may result in large price differences. And when quoting auto insurance, remember that comparing more company's prices will improve the odds of getting the best price.

Insurance agents can help

When it comes to choosing coverage for your vehicles, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that For example, these questions might point out whether your personal situation could use an agent's help.

  • Am I covered if I drive in a foreign country?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Can I still get insurance after a DUI?
  • Are there companies who specialize in insuring high-risk drivers?
  • Is my dog or cat covered if injured in an accident?
  • What can I do if my company won't pay a claim?
  • Does my policy cover my teen driver if they drive my company car?

If you're not sure about those questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Final considerations

As you go through the steps to switch your coverage, it's a bad idea to sacrifice coverage to reduce premiums. There are too many instances where an insured cut full coverage and found out when filing a claim that the savings was not a smart move. Your strategy should be to get the best coverage possible at a price you can afford while still protecting your assets.

Lower-priced auto insurance can be purchased online in addition to many Ford insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some auto insurance companies do not provide online quoting and these small insurance companies work with independent agents.