Finding the Best Ford Car Insurance

May 23
04:08

2024

Tom Heath

Tom Heath

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Ford remains a beloved car brand in the UK, with the Ford Focus reigning as the most popular model. In September 2007 alone, 16,500 Ford Focuses were sold in the UK. However, the rising popularity of Ford vehicles has also led to an increase in thefts. Notably, models like the Ford Escort Mk3, Ford Orion, and Ford Fiestas Mks 1, 2, and 3 are among the top 10 most stolen cars in the UK. Therefore, securing comprehensive Ford car insurance is essential for any Ford owner.

The Popularity and Risks of Owning a Ford

Ford's popularity in the UK is undeniable. According to the Society of Motor Manufacturers and Traders (SMMT),Finding the Best Ford Car Insurance Articles Ford consistently ranks among the top car brands in terms of sales. However, this popularity comes with its own set of challenges, particularly regarding vehicle theft.

Theft Statistics

  • Ford Escort Mk3
  • Ford Orion
  • Ford Fiestas Mks 1, 2, and 3

These models are frequently targeted by thieves, making it crucial for owners to invest in robust car insurance policies.

Factors Affecting Ford Car Insurance Premiums

Insurance companies regularly assess the risk associated with insuring different car models. If your Ford model is on the list of frequently stolen vehicles, you can expect higher premiums. However, there are several strategies to mitigate these costs.

Security Measures

Enhancing your Ford with advanced security features can significantly reduce your insurance premiums. Recommended security measures include:

  • Built-in burglary alarms
  • Engine immobilisers
  • Steering wheel locks
  • Other anti-theft technologies

Parking your vehicle in a secure location, such as a locked garage or a well-lit area, can also lower your insurance costs.

Driving Record

A clean driving record is another critical factor. Insurers are more likely to offer lower premiums to drivers with no history of accidents, speeding tickets, or parking violations. Additionally, certificates from advanced driving courses can further demonstrate your responsibility as a driver.

Excess Payments

The excess is the amount you pay when making a claim. Opting for a higher voluntary excess, in addition to the compulsory excess, can result in lower premiums. This approach shows insurers that you are less likely to make small claims, thereby reducing their risk.

Loyalty Discounts

If you already have an existing insurance policy for your home or another vehicle, consider approaching the same company for your Ford car insurance. Many insurers offer loyalty discounts under group insurance policy plans.

How to Find the Best Ford Car Insurance

Obtaining quotes from multiple insurance companies is essential to find the best policy for your needs. Online applications are quick and often come with additional discounts. Here are some steps to follow:

  1. Compare Quotes Online: Use comparison websites to get multiple quotes quickly.
  2. Check for Discounts: Look for online application discounts and other offers.
  3. Visit Insurance Companies: Once you have a shortlist, visit the companies to get a detailed understanding of the policies.

Interesting Stats

  • Ford Focus Sales: In September 2007, 16,500 Ford Focuses were sold in the UK (Source: SMMT).
  • Theft Rates: Ford models like the Escort Mk3 and Orion are among the top 10 most stolen cars in the UK (Source: UK Crime Stats).

Conclusion

Finding the best Ford car insurance requires a combination of research, security enhancements, and leveraging your driving record. By taking these steps, you can secure comprehensive coverage at a reasonable cost, ensuring peace of mind as you enjoy your Ford vehicle.

For more information on car insurance and vehicle security, visit GOV.UK and SMMT.