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How to Get the Best Deal on Fiesta Auto Insurance

Hey there, looking to save some cash on your Fiesta auto insurance premiums? You’ve come to the right place. As a longtime Fiesta customer myself, I’ve learned a few tricks over the years to snag the best deals from those clever actuaries. Believe me, if there’s a way to cut costs without sacrificing coverage, I’ve found it. My goal here is simple: help you pay less for the same (or better!) policy so you can keep more money in your pocket each month.

Whether you’re a new driver, longtime policyholder, or somewhere in between, read on to discover how you can instantly drop your rates and start saving hundreds per year on Fiesta auto insurance. The actuaries don’t want you to know these money-saving secrets, but I’m spilling the beans. You’ll be glad I did!

Compare Fiesta Auto Insurance Quotes From Multiple Companies

To get the best deal on Fiesta auto insurance, you’ll want to compare quotes from multiple companies. Here are the steps to save you hundreds per year:

Check independent broker sites. Sites like NerdWallet, The Zebra and Compare.com let you enter your info once and get estimates from several insurers at once. Compare not just premiums but also coverage, discounts and customer satisfaction.

Get quotes directly from major insurers. In addition to the brokers, get quotes from companies like State Farm, GEICO, Progressive and Allstate. They often run promotions not found on the aggregator sites.

Tweak coverage and limits. Dropping optional coverages like roadside assistance or slightly increasing deductibles and limits can lower your premium. But don’t sacrifice important coverage to save a few bucks.

Ask about all available discounts. Discounts for bundling with home insurance, good student, safe driver and anti-theft devices can help reduce rates. See which companies offer you the most discounts.

Compare “apples to apples”. Make sure the quotes are for comparable coverage. Some companies may offer a lower premium by skimping on key coverages. Compare things like liability limits, comprehensive and collision deductibles and uninsured motorist coverage.

Consider the Type of Coverage You Need

To get the best deal on Fiesta Auto Insurance, you’ll want to consider what coverage you actually need. Do you want just basic liability to cover any damage you cause to other vehicles and property? Or do you need comprehensive coverage for your own vehicle too?

Think about your car’s age and value. If you’re driving an older vehicle that isn’t worth much anymore, basic liability is probably sufficient. But if you have a newer car, especially one you’re still making payments on, comprehensive coverage is a must to protect your investment.

Also consider your driving history and risk level. If you have a history of accidents or traffic violations, more extensive coverage could save you money in the long run. On the other hand, if you have a safe driving record, you may qualify for discounts that offset the cost of extra coverage.

Check for Discounts to Lower Your Fiesta Auto Insurance Premium

To get the best rate on your Fiesta auto insurance, be sure to check for any discounts you may qualify for. Insurance companies offer many ways to lower your premium, so do some digging to find ones that apply to you.

Safe driver discount

If you have a clean driving record with no accidents or tickets in the last 3-5 years, you’ll likely qualify for a safe driver discount. This can knock 10-30% off your premium. Ask your insurance agent about the details for the safe driver discount.

Bundling discount

Do you have homeowner’s or life insurance with Fiesta? Bundling multiple policies together can score you a multi-policy discount of up to 20%. Combine and save – it’s an easy way to lower your premium.

Defensive driving course

Some states allow insurance companies to offer a defensive driving course discount. Completing an approved defensive driving class can get you a 5-15% discount for 3 years. The course teaches safe driving techniques and can help reduce accidents.

Higher deductibles

Increasing your deductibles, especially for comprehensive and collision coverage, means you pay more out of pocket for claims but pay a lower premium overall. Raising your deductibles by just $250 to $500 can lower your Fiesta auto insurance premium by up to 30% . Make sure you can afford the higher deductibles if you need to file a claim.

Vehicle safety features

Does your vehicle have anti-lock brakes, air bags, anti-theft devices or other safety features? You may be eligible for additional discounts of 5-30% for vehicle safety equipment. Let your insurance agent know about any safety features in your vehicle(s) to get all the discounts you deserve.

Every dollar in discounts means more money in your pocket. Ask your Fiesta insurance agent about all potential discounts to make sure you’re getting the most affordable rate possible for the coverage you need. Savings add up, so take advantage of any opportunities to lower your premium.

Maintain a Good Driving Record to Keep Rates Low

To get the best rate on your Fiesta Auto insurance, maintaining a clean driving record is key. Your driving history is one of the biggest factors that determines your premiums.###Safe Driving

The fewer accidents and traffic violations you have, the lower your rates will be. Drive safely and obey all traffic laws to avoid tickets or claims that can increase your premiums:

  • Don’t speed or run red lights. Follow the posted speed limits and come to a complete stop at stop signs and traffic lights.
  • Avoid distracted driving. Don’t text, talk on the phone, or do anything else that takes your attention from the road.
  • Leave a safe distance between you and other vehicles. Tailgating or reckless driving puts you at higher risk of an accident.
  • Consider a safe driver discount. If offered in your state, enroll in a program that can save you up to 10% or more for staying violation-free.

Check Your Records

It’s a good idea to check your own driving record and CLUE report, which provides details about any accidents or claims associated with you or your vehicle. Look for any errors that could affect your rates and dispute them with the proper agency. Some points or claims may eventually drop off your record, so check when that will happen to get your best rate.

Improve Your Record

If you do have violations or an at-fault accident on your record, your rates may remain higher for 3 to 5 years. However, there are steps you can take to improve your record and lower premiums over time:

  1. Take a defensive driving course. Completing an approved course can reduce points and lower rates.
  2. Avoid further violations. The more time that elapses without another infraction, the more your rates should decrease.
  3. Consider dropping full coverage on an older vehicle. If the value of your vehicle has depreciated significantly, dropping to liability only coverage can lower premiums. You can add comprehensive and collision again when you get a newer vehicle.

By driving safely, monitoring your records, and taking steps to improve any problem areas, you can keep your Fiesta Auto insurance rates as low as possible over the long run. Maintaining a good driving record is the gift that keeps on giving when it comes to affordable premiums.

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