Ford Fiesta insurance cost image courtesy of QuoteInspector.com
Are you sick and tired of not being able to afford to pay your insurance bill each month? You are no different than many other California consumers.
It's hard to believe, but about 70% of customers have been with the same company for well over three years, and about 40% of consumers have never shopped around. The average driver in Santa Ana could save an average of nearly 35% each year just by shopping around, but they just don't want to compare rate quotes online.
Multiple auto insurance companies compete to insure your vehicles, and because of this it can be hard to compare insurers and get the best coverage at the best rate on Ford Fiesta insurance in Santa Ana.
You should make it a habit to do rate comparisons at least once a year because insurance rates change quite often. Even if you got the best premium rates on Ford Fiesta insurance in Santa Ana a few years ago the chances are good that you can find a lower price today. There is lot of inaccurate information about Fiesta insurance on the internet, but in a few minutes you can learn the easiest ways to buy insurance cheaper in Santa Ana.
To find low cost quotes, there are a couple of ways to compare rate quotes from many available insurance companies in California. The easiest way by far to find cheaper Ford Fiesta rates is to jump online and get quotes.
It's so easy to compare price quotes online that it replaces the need to go to different Santa Ana agent offices. Buying insurance online has reduced the need for local agents unless you're the type of person who wants the extra assistance of an agent trained in personal lines coverage. However, consumers can price shop online and have a local agent actually service the policy.
Just keep in mind that comparing more rates from different companies helps locate the best offered rates.
The providers in the list below can provide free quotes in Santa Ana, CA. If multiple companies are shown, we suggest you get rate quotes from several of them in order to get a fair rate comparison.
Why you need to buy car insurance
Even though Santa Ana Fiesta insurance rates can get expensive, car insurance may not be optional for several reasons.
First, the majority of states have compulsory liability insurance requirements which means it is punishable by state law to not carry a specific minimum amount of liability insurance coverage in order to drive the car. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if you bought your Ford Fiesta with a loan, it's most likely the lender will require you to buy full coverage to ensure loan repayment if the vehicle is totaled. If you do not pay your insurance premiums, the lender may insure your Ford for a much higher rate and require you to pay a much higher amount than you were paying before.
Third, car insurance protects not only your car but also your assets. It will also cover many types of medical costs for you, your passengers, and anyone else injured in an accident. One policy coverage, liability insurance, will also pay for a defense attorney if someone files suit against you as the result of an accident. If damage is caused by hail or an accident, collision and comprehensive (also known as other-than-collision) coverage will cover the repair costs.
The benefits of having car insurance definitely exceed the cost, particularly for liability claims. The average driver in California is wasting up to $800 each year so you should quote and compare rates every year to help ensure money is not being wasted.
How Your Fiesta Insurance Costs are Determined
One of the most helpful ways to save on insurance is to to have a grasp of the different types of things that are used to determine your policy premiums. When consumers understand what positively or negatively impacts your premiums, this allows you to make good choices that can help you get better insurance rates.
Liability protection is important - Liability insurance is the protection when you are found liable for causing damage or personal injury in an accident. Your policy's liability insurance provides for a legal defense which can cost a lot. This coverage is relatively inexpensive compared to other policy coverages, so buy as much as you can afford.
Alarm systems lowers prices - Choosing to buy a car with an alarm system can save you a little every year. Systems that thwart thieves like GM's OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your vehicle from being stolen.
Less chance of injury means lower prices - Vehicles that have high safety ratings tend to have lower insurance rates. Vehicles engineered for safety reduce injuries and reduced instances of injuries means less claims paid which can mean better rates for you. If the Ford Fiesta scored at minimum an "acceptable" rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
Is insurance cheaper for men or women? - Statistics have proven that men are more aggressive behind the wheel. However, don't assume that men are WORSE drivers than women. Women and men cause auto accidents at a similar rate, but the males tend to have higher claims. They also receive more costly citations such as DWI and reckless driving. Teenage male drivers are several times more likely to be in an accident and are penalized with high insurance rates.
Ford Fiesta statistical loss data - Car insurance companies analyze historical claim data to help determine the rate you pay. Vehicles that the data determines to have higher prevalence or dollar amount of losses will have higher rates. The next table shows the insurance loss data used by companies for Ford Fiesta vehicles.
For each type of coverage, the loss probability for all vehicles, as a total average, is set at 100. Numbers shown that are under 100 are indicative of better than average losses, while percentage values above 100 show a trend for more claims or an increased likelihood of larger losses.
| Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Ford Fiesta | 96 | 91 | 73 | 115 | 123 | 113 |
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
How much can you save?
Affordable Ford Fiesta insurance in Santa Ana can be purchased from both online companies in addition to many Santa Ana insurance agents, and you should compare rates from both to have the best selection. Some insurance companies do not provide online rate quotes and most of the time these smaller providers work with independent agencies.
You just learned a lot of ways to find affordable Ford Fiesta insurance in Santa Ana. The key thing to remember is the more price quotes you have, the better your comparison will be. You may even be surprised to find that the lowest priced insurance comes from some of the lesser-known companies. Some small companies can often insure niche markets at a lower cost as compared to the big name companies such as Progressive and GEICO.
Steps to finding lower priced Ford Fiesta insurance in Santa Ana
The easiest way to find discount Ford Fiesta insurance is to start doing a yearly price comparison from insurance carriers in Santa Ana. Rate comparisons can be done by following these guidelines.
- Take a little time to learn about the different coverages in a policy and the things you can control to drop your rates. Many factors that result in higher prices such as speeding tickets, careless driving and a not-so-good credit score can be rectified by paying attention to minor details.
- Request rate estimates from direct, independent, and exclusive agents. Direct and exclusive agents can only give prices from one company like Progressive and State Farm, while independent agents can give you price quotes from multiple companies. View rates
- Compare the new rate quotes to your existing coverage to see if cheaper Fiesta coverage is available in Santa Ana. If you find better rates and switch companies, make sure there is no lapse in coverage.
The most important part of shopping around is to try to use identical coverage information on each price quote and and to get price quotes from as many companies as possible. This provides a fair rate comparison and a thorough selection of prices.
For more information, take a look at the articles below:
- Collision Coverage (Liberty Mutual)
- Who Has the Cheapest Santa Ana Auto Insurance Rates for Teachers? (FAQ)
- Who Has Affordable Auto Insurance for a Ford Explorer in Santa Ana? (FAQ)
- How Much are Car Insurance Rates for Good Drivers in Santa Ana? (FAQ)
- Older Drivers FAQ (iihs.org)
- Young Drivers: The High Risk Years Video (iihs.org)