Find Cheaper Ford Fiesta Insurance in Raleigh

Discount Ford Fiesta insuranceAre you doing reasearch to find low-cost Ford Fiesta insurance in Raleigh? Are you burned out from being strong-armed to buy car insurance? Your situation is no different than millions of other drivers.

It’s astonishing, but nearly 70% of customers have stayed with the same insurance company for more than four years, and almost half have never taken the time to shop around. Many drivers in Raleigh could save nearly 10% every year, but they mistakenly think it’s difficult to save money by comparing rate quotes. Online insurance companies like Allstate, Progressive and GEICO constantly blast consumers with catchy ads and consumers find it hard to see through the cute green geckos and mayhem and find the best price available.

Consumers need to quote other rates yearly because insurance prices go up and down regularly. Despite the fact that you may have had the best rates on Ford Fiesta insurance in Raleigh six months ago you can probably find a lower rate today. Ignore everything you know about car insurance because you’re going to get a crash course in the things you must know in order to lower your annual insurance bill.

If you have a current auto insurance policy or need a new policy, use these tips to find better prices and still have adequate protection. Buying the cheapest auto insurance in Raleigh is actually not that difficult if you follow our advice. You just need to understand the proper way to shop from many companies at once.

The most recommended method to compare insurance rates from multiple companies utilizes the fact most of the bigger providers will pay a fee to give rate comparisons. To begin a comparison, all you need to do is give them rating details including level of coverage desired, whether you are single or married, what you do for a living, and how you use your vehicles. Your details is then sent to insurance companies and you receive quotes very quickly.

If you would like to compare rates now, click here and complete the form.

The providers in the list below offer price quotes in Raleigh, NC. If you wish to find cheap car insurance in NC, it’s a good idea that you get price quotes from several of them to find the most affordable car insurance rates.

Car insurance policy discounts for Ford Fiesta insurance in Raleigh

Insurance can cost an arm and a leg, but you may find discounts that many people don’t even know exist. Many of these discounts will be applied automatically when you get a quote, but a few must be manually applied before you get the savings. If you don’t get every credit you deserve, it’s possible you qualify for a lower rate.Car insurance discounts

Policy discounts save money, but most of the big mark downs will not be given to the whole policy. Most only apply to individual premiums such as collision or personal injury protection. Just because it seems like you could get a free car insurance policy, company stockholders wouldn’t be very happy. But all discounts will lower your overall bill.

To see companies that offer the discounts shown above in Raleigh, click here.

Buying from insurance agencies

Many drivers just prefer to talk to a local agent and often times that is recommended Insurance agents can help you build your policy and will help you if you have claims. The best thing about getting free rate quotes online is that drivers can save money and get better rates and still have an agent to talk to.

By using this simple form, the coverage information is instantly submitted to participating agents in Raleigh that can give you free Raleigh car insurance quotes for your coverage. You never need to search for an agent due to the fact that quote results will go immediately to your email address. If you want to compare rates from a particular provider, feel free to find their quoting web page and give them your coverage information.

Finding the right insurance company requires you to look at more than just a cheap price quote. Below are some questions you should ask.

Raleigh auto insurance agents come in two flavors

If you would like to find a local Raleigh insurance agent, you need to know there are two types of insurance agents and how they are slightly different. Agents are classified as either independent (non-exclusive) or exclusive. Both types of agents can sell insurance policies, but we need to point out the difference in the companies they write for since it can impact the selection process.

Exclusive Insurance Agencies

Agents of this type can usually just insure with one company such as AAA, Allstate, State Farm, or Farmers Insurance. These agents are not able to compare other company’s rates so always compare other rates. They are usually well trained on their products and sales techniques which helps overcome the inability to quote other rates.

The following are exclusive insurance agents in Raleigh who can help you get price quote information.

9101 Leesville Rd Ste 111Raleigh, NC 27613(919) 846-3901View Map

5603 Creedmoor RdRaleigh, NC 27612(919) 782-6666View Map

9660 Falls of Neuse Rd #165Raleigh, NC 27615(919) 872-1225View Map

More insurance agents

Independent Insurance Agents

These type of agents are normally appointed by many insurers and that is an advantage because they can write policies with any number of different companies enabling the ability to shop coverage around. If premiums increase, your policy is moved internally and that require little work on your part.

When comparing rate quotes, you will want to get several quotes from independent agents for maximum quote selection.

Listed below are Raleigh independent agencies that can give you comparison quotes.

557 Pylon Dr aRaleigh, NC 27606(919) 833-3803View Map

4505 Falls of Neuse Rd Suite 350Raleigh, NC 27609(919) 781-0200View Map

3901 Barrett Dr Suite 312Raleigh, NC 27609(919) 772-7698View Map

More insurance agents

Your car insurance coverage should be tailored to you

When it comes to proper insurance coverage for your vehicles, there really is not a cookie cutter policy. Every situation is different.Drive safe and save

For example, these questions may help highlight whether or not you may require specific advice.

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It only takes a few minutes and may give you better protection.

Get Cheaper Insurance Premiums by Understanding These Factors

Part of the insurance buying process is learning the factors that play a part in calculating the price you pay for insurance. When you know what positively or negatively controls the rates you pay, this allows you to make good choices that may result in cheaper rates.

The itemized list below are some of the factors companies use to determine prices.

Vehicles with better crash test results cost less to insure – Safe vehicles tend to have better insurance rates. These vehicles have better occupant injury protection and any reduction in injury severity translates directly to fewer claims and more competitive rates for policyholders. If the Ford Fiesta is rated at a minimum four stars on you may qualify for a discount.

Drive fewer miles and save – Driving more miles in a year’s time the more you’ll pay to insure it. Most insurance companies price each vehicle’s coverage based on their usage. Cars that are left in the garage qualify for better rates than those that get driven frequently. An improperly rated Fiesta is throwing money out the window. It’s always a good idea to double check that your insurance coverage properly reflects the correct usage for each vehicle, because it can save money.

Drivers with excellent credit save – Having a good credit score is a big factor in determining what you pay for insurance. Insureds that have high credit ratings tend to be better risks to insure than drivers who have worse credit. If your credit is lower than you’d like, you may save money insuring your Ford Fiesta by repairing your credit.

Men pay higher premiums – Over the last 50 years, statistics have shown that men are more aggressive behind the wheel. However, don’t assume that men are worse drivers. Both sexes are responsible for at-fault accidents at about the same rate, but guys cause more damage. Men also have more aggressive citations such as reckless driving. Youthful male drivers cause the most accidents so it costs more to insure them.

Being married reduces risk – Walking down the aisle may earn you lower rates when buying insurance. Having a significant other generally demonstrates drivers are more mature and responsible and insurance companies like that married drivers tend to file fewer claims.

Lower performance equals lower insurance rates – The type of car, truck or SUV you own makes a substantial difference in your car insurance bill. Lower performance four cylinder passenger models usually have the lowest rates, but the cost you end up paying is determined by many additional factors.

Cheaper rates for prior coverage – Letting your insurance expire will be a quick way to increase your insurance rates. And not only will insurance be more expensive, getting caught without coverage can result in a revoked license or a big fine.

Higher rates for specific occupations – Occupations such as fire fighters, police officers, and medical professionals are shown to have higher average rates due to high stress and incredibly demanding work hours. Conversely, careers such as professors, athletes and performers get better rates.

Ford Fiesta insurance loss probability – Companies factor in historical loss data when setting rates for each model. Models that the statistics show to have higher claim amounts or frequency will have higher rates. The table below demonstrates the loss history for Ford Fiesta vehicles.

For each policy coverage, the claim probability for all vehicles as a whole is represented as 100. Values that are 100 or less suggest losses that are better than average, while values over 100 indicate a higher chance of having a claim or statistically larger claims.

Insurance Loss Ratings for Ford Fiesta Vehicles
Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Ford Fiesta 96 91 73 115 123 113

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Car insurance protects more than just your car

Despite the high cost of buying insurance for a Ford Fiesta in Raleigh, insurance is required in North Carolina but also provides important benefits.

First, almost all states have compulsory liability insurance requirements which means state laws require a minimum amount of liability insurance coverage in order to drive the car legally. In North Carolina these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you bought your vehicle with a loan, more than likely the lender will have a requirement that you buy full coverage to ensure loan repayment if the vehicle is totaled. If you cancel or allow the policy to lapse, the lender may have to buy a policy to insure your Ford for a much higher rate and force you to pay for the much more expensive policy.

Third, car insurance preserves both your vehicle and your personal assets. It will also pay for medical expenses for yourself as well as anyone injured by you. Liability insurance, one of your policy coverages, also covers legal expenses if you are sued as the result of an accident. If your car is damaged in a storm or accident, collision and comprehensive coverages will pay to repair the damage.

The benefits of carrying adequate insurance definitely exceed the cost, especially with large liability claims. But the average American driver is wasting up to $865 each year so shop around at least once a year to ensure rates are competitive.

Be persistent to save money

As you prepare to switch companies, never buy poor coverage just to save money. In too many instances, drivers have reduced full coverage only to regret at claim time they didn’t purchase enough coverage. Your aim should be to buy a smart amount of coverage for the lowest cost, but do not sacrifice coverage to save money.

We just covered a lot of techniques to lower your Ford Fiesta insurance prices in Raleigh. It’s most important to understand that the more rate quotes you have, the better chance you’ll have of finding affordable Raleigh car insurance quotes. You may even find the biggest savings come from a small mutual company.

Consumers leave their current company for a variety of reasons including being labeled a high risk driver, high rates after DUI convictions, policy cancellation and even lack of trust in their agent. Whatever your reason, finding a new company is pretty easy and you might even save some money in the process.

How to buy low-cost Ford Fiesta insurance in Raleigh

The easiest way to find better pricing on Ford Fiesta insurance is to regularly compare quotes from providers in Raleigh.

The most important part of this process is that you’ll want to make sure you compare the same coverage limits and deductibles on each price quote and and to get rates from as many companies as possible. Doing this helps ensure a fair price comparison and a complete price analysis.

More information can be read at the links below