Beginners Guide to Shopping for Auto Insurance for a Ford Festiva

Are you irritated from sacrificing to pay auto insurance each month? You’re in the same situation as many other consumers. Numerous car insurance companies battle for your insurance dollar, so it can be very hard to choose a provider to get the lowest price

Smart Buyers Can Slash Their Insurance Premiums

Part of the auto insurance buying process is learning the different types of things that help calculate the price you pay for auto insurance. When you know what positively or negatively determines premiums, this enables informed choices that may reward you with lower premium levels.

• Liability limits are a factor – The liability section of your policy is the protection if a court rules you are at fault for damages from an accident. Liability provides legal defense to attempt to prove you were not liable. Liability is cheap as compared to coverage for physical damage, so do not skimp.
• Urban areas may pay more – Being located in smaller towns and rural areas of the country can be a good thing when talking about auto insurance. Residents of big cities regularly have more traffic problems and longer commute times. Fewer drivers on the road means a lower chance of having an accident and also fewer theft and vandalism claims.
• Stay claim-free and save money – Companies generally give better rates to insureds who are not frequent claim filers. If you file a lot of claims you can pretty much guarantee higher premiums or even policy non-renewal. Your insurance policy is designed for larger claims.
• Increase comp and collision deductibles and save – Physical damage coverage, aka comp and collision, is used to repair damage to your Ford. Some examples of covered claims would be colliding with a building, vandalism, or theft. The deductibles define how much you are required to spend out-of-pocket in the event of a claim. The larger the amount you are required to pay out-of-pocket, the lower your rates will be on Festiva insurance.
• Insurance premiums and driver gender – Statistics show females are less aggressive when driving. The data does not necessarily mean that females are better at driving than males. Men and women get in fender benders in similar percentages, but the men have costlier accidents. They also get cited for more serious violations such as reckless driving. Male teenagers cause the most accidents and therefore have the most expensive auto insurance rates.
• Drive a fast car, truck or SUV and pay more – The performance of the car, truck or SUV you own makes a huge difference in your auto insurance rates. Due to the fact that the Ford Festiva is considered a passenger car, rates will be similar in price or lower than the average rate where you live. Small economy passenger cars normally have pretty low rates, but there are many factors that impact the final cost.
• Having a spouse can save you money – Getting married actually saves money when buying auto insurance. Having a spouse means you’re more responsible and it’s statistically proven that being married results in fewer claims.

Compare free auto insurance price quotes

Shopping for lower auto insurance rates is a ton of work if you don’t understand the most efficient way. You can spend countless hours talking about coverages with agents in your area, or you can stay home and use online quotes to maximize your effort.

Many insurance companies belong to an insurance system that enables customers to submit one quote, and at least one company can give them a price based on the submitted data. This system prevents you from having to do quote forms for each company you want a rate for. To enter your information into the quoting system, click here to open in new window.

The only drawback to pricing coverage this way is you are unable to specify the insurers you want to price. So if you want to select from a list of companies to compare prices, we have a page of auto insurance companies in your area. View list of insurance companies.

Which method you use is up to you, but make absolute certain that you use the exact same quote data with every price quote. If you compare different data you will not be able to get a fair rate comparison. Slightly different coverages can result in a big premium difference. Just remember that comparing more rates from different companies increases the change that you will find the best price. Some smaller insurers to not give online quotes, so you need to compare rates from them as well.

auto insurance discounts

Buying auto insurance is not cheap, but companies offer discounts that many consumers don’t even know exist. Some trigger automatically when you purchase, but a few must be specially asked for prior to getting the savings.

• Discount for Life Insurance – Insurance carriers who offer life insurance give lower rates if you buy a life policy as well.
• Drivers Education – It’s a good idea to have your young drivers successfully complete driver’s ed class in school or through a local driver safety program.
• Onboard Data Collection – Drivers who elect to allow their company to analyze driving manner by using a telematics device in their vehicle like Drivewise from Allstate or In-Drive from State Farm could save a few bucks if they are good drivers.
• Multi-car Discount – Buying coverage for multiple cars or trucks on a single policy could earn a price break for each car.
• Claim Free – Drivers with accident-free driving histories pay much less in comparison with bad drivers.
• Bundled Policy Discount – If you have multiple policies with one company they may give you a discount of approximately 10% to 15%.
• ABS and Traction Control Discounts – Vehicles with ABS and/or traction control are much safer to drive so companies give up to a 10% discount.
• Drive Safe and Save – Drivers without accidents can get discounts for up to 45% lower rates on Festiva insurance than less cautious drivers.
• Homeowners Savings – Simply owning a home can save you money because it is proof of financial responsibility.

Drivers should understand that most discount credits are not given the the whole policy. A few only apply to specific coverage prices like collision or personal injury protection. So even though they make it sound like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

Large auto insurance companies and some of the discounts are outlined below.

• State Farm has discounts for safe vehicle, driver’s education, Drive Safe & Save, Steer Clear safe driver discount, passive restraint, and good student.
• American Family includes discounts for bundled insurance, defensive driver, TimeAway discount, Steer into Savings, and good student.
• GEICO may offer discounts for daytime running lights, air bags, federal employee, defensive driver, driver training, and anti-theft.
• 21st Century policyholders can earn discounts including air bags, automatic seat belts, driver training, anti-lock brakes, early bird, and 55 and older.
• Progressive has savings for online signing, online quote discount, multi-vehicle, multi-policy, and homeowner.

If you are trying to find , ask each insurance company which discounts can lower your rates. Some of the discounts discussed earlier might not be offered in your area. If you would like to view insurance companies that offer many of these discounts, click this link.

Auto insurance savings summarized

Some auto insurance companies may not have the ability to get quotes online and usually these regional carriers provide coverage only through independent agents. Low-cost Ford Festiva insurance can be found from both online companies and from local agencies, and you need to comparison shop both to have the best chance of lowering rates.

When buying insurance coverage, don’t be tempted to buy less coverage just to save a little money. There are too many instances where someone sacrificed liability coverage limits and found out when filing a claim that they should have had better coverage. Your aim should be to purchase plenty of coverage for the lowest cost.