2007 Ford Fusion Insurance Quotes – 9 Tips to Save

Searching for cheaper insurance for your Ford Fusion can be difficult, but you can follow the following methods to make it easier. There is a right way and a wrong way to shop for auto insurance so we’re going to tell you the absolute fastest way to quote coverages on a Ford and find the lowest price.

If you have a policy now or are looking for a new policy, you can use these techniques to find better prices while maintaining coverages. Buying the lowest cost insurance coverage coverage can be fairly easy. Drivers just need to understand how to shop for insurance coverage over the internet.

Lower rates by qualifying for these nine discounts

Companies that sell car insurance don’t always list all their discounts in a way that’s easy to find, so we break down some of the more common and the harder-to-find savings tricks you should be using. If you aren’t receiving every discount available, you’re just leaving money on the table.

  • Early Switch Discount – Select companies give a discount for switching policies prior to your current policy expiring. It’s a savings of about 10%.
  • Auto/Life Discount – Some companies give better rates if you take out life insurance from them.
  • Discount for Good Grades – Performing well in school can save 20 to 25%. This discount can apply until age 25.
  • Seat Belts Save – Using a seat belt and requiring all passengers to wear their seat belts could save 15% off your PIP or medical payments premium.
  • Distant Student – Any of your kids who are attending college and don’t have a car may be able to be covered for less.
  • Employee of Federal Government – Employees or retirees of the government may qualify you for a discount for Fusion insurance with certain companies.
  • Organization Discounts – Belonging to a professional or civic organization could qualify you for a break when shopping for car insurance for Fusion insurance.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of monthly or quarterly installments you may reduce your total bill.
  • One Accident Forgiven – A handful of insurance companies will forgive one accident before hitting you with a surcharge if you are claim-free for a certain period of time.

It’s important to understand that most of the big mark downs will not be given to the entire cost. Some only reduce individual premiums such as comp or med pay. So even though they make it sound like all those discounts means the company will pay you, it doesn’t quite work that way.

To see a list of insurers with the best car insurance discounts, click here to view.

Car insurance is unique, just like you

When buying the right insurance coverage, there isn’t really a perfect coverage plan. Everyone’s situation is unique.

For instance, these questions may help highlight whether your personal situation might need professional guidance.

  • I have good health insurance, so how much medical payments coverage do I need?
  • How do I insure my teen driver?
  • What is the minimum liability in my state?
  • Does my policy cover my teen driver if they drive my company car?
  • How high should my uninsured/underinsured coverage be in my state?
  • Is business equipment covered while in my vehicle?
  • Should I buy more coverage than the required minimum liability coverage?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Do drivers who switch really save?

Consumers can’t get away from ads for cheaper car insurance from companies such as Allstate, GEICO and Progressive. All the ads make an identical promise that you can save after switching your policy.

But how can every company claim to save you money? It’s all in the numbers.

Insurance companies have a preferred profile for the driver that makes them money. An example of a preferred risk could possibly be between 25 and 40, has no tickets, and has a short commute. A propective insured that hits that “sweet spot” will get the preferred rates and most likely will save a lot of money.

Drivers who do not match these standards will have to pay higher rates and this can result in the driver buying from a lower-cost company. The ad wording is “customers that switch” not “people who quote” save that kind of money. That’s the way insurance companies can confidently claim big savings. Because of the profiling, you should get as many comparisons as possible. It’s not possible to predict the company that will give you the biggest savings on Ford Fusion insurance.

Coverage specifics

Knowing the specifics of your policy can be of help when determining the right coverages at the best deductibles and correct limits. Car insurance terms can be difficult to understand and coverage can change by endorsement.

Coverage for collisions

This covers damage to your Fusion from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like hitting a mailbox, damaging your car on a curb, crashing into a ditch and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for bills like EMT expenses, surgery and ambulance fees. They are utilized in addition to your health insurance program or if there is no health insurance coverage. They cover all vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for liability

This coverage protects you from injuries or damage you cause to a person or their property. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability can pay for claims such as medical services, repair bills for other people’s vehicles, structural damage, loss of income and emergency aid. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive auto coverage

Comprehensive insurance covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as hail damage, damage from a tornado or hurricane and damage from flooding. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Fusion.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Final thoughts

Insureds switch companies for many reasons like not issuing a premium refund, extreme rates for teen drivers, delays in responding to claim requests or policy cancellation. No matter why you want to switch, finding a great new company is easier than you think.

You just read many ways to save on 2007 Ford Fusion insurance. The key thing to remember is the more price quotes you have, the higher the chance of saving money. Drivers may discover the lowest premiums are with a lesser-known regional company.

As you restructure your insurance plan, it’s very important that you do not buy poor coverage just to save money. There are a lot of situations where an accident victim reduced comprehensive coverage or liability limits only to discover later they didn’t purchase enough coverage. The proper strategy is to buy a smart amount of coverage at a price you can afford while still protecting your assets.

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